vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I was given a retention offer of XXXX XXXX miles on XX/XX/XXXX. It is now XX/XX/XXXX. I have called five times, been on hold/asked about this for a minimum of 6 hours, to be told today " it is a known problem and we are working on it. '' Please give me what you said you would give me without me having to call five times ( and still not have it ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Company : XXXX  XXXX Account # XXXX Description : Inaccurate because the 2-year payment history for XXXX, Equifax, and XXXX are reporting different dates and inconsistent payment history for the dates between XX/XX/XXXX - XX/XX/XXXX. Also, the date last active reports XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, and XXXX XX/XX/XXXX. All 3 bureaus can not be right. All reporting must be 100 % accurate. 
I submitted this dispute with Equifax online on XX/XX/XXXX. And their investigation was complete on XX/XX/XXXX. Which makes me believe all my documentation submitted for evidence was not considered. Also, the Equifax upload portal is always conveniently having issues when documentation is uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was alerted by the credit monitoring service XXXX that a hard pull was done at TransUnion ; the name of the creditor doing the pull was not disclosed. I should also say that I have been getting a lot of mysterious calls from what appears to be scammers asking me for a bank account to deposit funds into, but that is another matter. 

In any case, I contacted first TransUnion customer service, and then executives of TransUnion : XXXX XXXX XXXX XXXX to get this removed, but these executives have refused to assist me after repeated attempts to contact them, only giving me a telephone number which is basically customer service ( and thus useless ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: CO

Complaint narrative:
Receivable Management Partners, LLC, attempted an unsolicited telephone call to my mother to collect a debt that they reported I owe, which does not exist. They said the debt was from an insurance company and medical company that we do not have affiliation with. I could not obtain solid information on what companies those were. The debt collector was purposefully mumbling their company title, so I XXXX  the phone number and many reports came up that their company commits this type of fraud repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I called and spoke to Capital One on the XXXX of XXXX explaining that I had difficulty paying the bill because I lost my father due to XXXX and I had to pay for his funeral expenses and the representative told me that she will work with me so you gave me three different options and I chose one of them and it was for 3 payments of XXXX for the next 3 months, so I went online to check my balance and I see that I was charged a late fees and Im like why would I asked for help and still get punished with a lot of fees that will accumulate on the account this company is really making things hard for me and my time of bereavement and I called and it was no help at all with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I sold my home and closed early XXXX. I had over {$2500.00} paid into escrow that needed to be refunded. I called my servicer and I was told the check was cut on the XXXX of XXXX. Ive called 3 times to ask for an update and today ( XX/XX/22 ) I was told I should wait another 2 weeks. I feel like there should be some kind of maximum time frame a bank has to refund money and if they dont, I should be paid interest.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING INQUIRIES ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received poor information from the customer service at Navient regarding my FFELP loans that financially benefited Navient and harmed me financially. I have been paying my loans for over 20 years ... paying interest. During the years, they recommended that I put my account on forebaranc and pay interest only. The information I received directed me to pay off the interest, rather than the principal. 
My loan was consolidated into two loans : 1. I borrowed {$17000.00} and have repaid a total of {$17000.00} ( {$12000.00} in interest ; {$5400.00} in principal ). I currently owe {$14000.00} on this loan..

2. I borrowed {$24000.00} and have repaid a total of {$24000.00} ( {$20000.00} in interest ; {$4200.00} in principal ) and still owe {$20000.00}.

The poor information I received after I graduated my MA program in Social Work disadvantaged me and has put me in a position where I have repaid my loan in interest, and still owe in principal. 

Also, Navient makes it incredibly difficult to find account payment and messages on their website. Their telephone representative couldn't show me ( online ) detailed information on my loan, individual payments, when they were paid, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I sent letters on XXXX, XX/XX/21, XX/XX/21 and sill have these incorrect items. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation, and you did not notate this debt was in dispute. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. I know by law these must be deleted and I am owed {$1000.00} per violation. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

XXXX  XXXX XXXX There are several inconsistencies across all 3 bureaus- High balance, last verified but the bureaus are saying they verified it, date of last activity, date reported, date opened, closed date, not showing a in dispute status, last payment, and credit limit. 

XXXX  - There are several inconsistencies across all XXXX bureaus- Account #, High Balance, Date of last activity, date reported, date opened, last payment and credit limit. Also, XXXX is showing a late payment after a charge off which is a violation, how am I late if they have sold off the debt? 

XXXX  XXXX There are several inconsistencies across all 3 bureaus- High balance, date of last activity, date opened, dispute status, last payment, credit limit. Also, XXXX and XXXX are showing different days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
On XX/XX/2021 my mortgage was sold to PHH mortgage from another lender. While I understand this is a common process, I was told on XX/XX/2021 that I was going to be charged a servicing fee of XXXX for online payments. Given I wasn't originally charged this fee from my other servicer this seems like consumers holding the bag for business transactions. I had no interest in playing fees on something that they can't provide a clear explainable reason as to why those fees are necessary for online payments. They said those fees would disappear if I opted in to autopay or if I went paperless. This is a blatant disregard of consumer fairness in a process I am completely unable to play a part in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: College Ave Student Loan Servicing, LLC
State: FL

Complaint narrative:
College Ave has reported that I have a loan past due more than 30 days and this incorrect. It is negatively impacting my credit and causing me housing issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
The Mr.Cooper loan collection company has been mailing my law office bills for a former client that is now deceased. I've called the loan collection company multiple times and explained to them that this is no longer my client, and that he is now deceased, but they continue to send all of his bills to my office. The latest bill is in the amount of {$13000.00} and is dated XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/21 I spoke to XXXX XXXX XXXX XXXX and XXXX to close my paypal account and they did not close the account. XXXX stated i did not verify my identity. 
I want my account closed {$25.00} for my time and trouble The {$32000.00} refund sent to my bank, cryptocurrencies sold and proceeds mailed to me by check. I can not and will not do business with paypal as they repeatedly have failed to cooperate in good faith. If they try to cheat me on the cryptocurrency sale or proceeds i will coplain to the federal government.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc.
State: NC

Complaint narrative:
COMPLAINT BASIS : I am having severe issues with a Collection Company that has been attempting to collect on a debt that I am NOT LEGALLY RESPONSIBLE for paying.

It may have even already been paid by the Responsible Party involved.

My Name/Credit should NOT be involved regardless.

The Collection Company involved has been repeatedly notified via multiple Credit Reporting Disputes of this situation & refuses to correct it.

Now, on a least one of my Credit Reports they have RETALIATED against me for filing a Fraud Dispute against them, by then literally DUPLICATING a Collection originally posted under a different Collection Company name ( which they may even own ) under their OWN NAME as an Additional Collection Account with literally the SAME Account Number, Amounts, Original Creditor, etc. but strategically changing just the filing date numerals to DEFEAT the Reporting Companys computers from identifying the clearly intentional duplication. The Credit Reporting Company involved even identified this duplication attempt. 
This Company believes it can violate Federal and/or State Regulations at will, & attempt to retaliate/ intimidate consumers trying to get them to comply.

Therefore, I am filing a Federal Complaint against the Company involved, to make your Agency aware of their improper, threatening tactics, in order for ALL appropriate corrective actions to be enacted against them, so that ALL consumers are protected from them. I reserve the right to also file State level action/s with the Attorney Generals Office as well. As well as Civil Damages resulting to me from these improper acts.

BACKGROUND : I suffered a XXXX  XXXX  with XXXX XXXX XXXX ( including an XXXX  ) THROUGH NO FAULT OF MY OWN at a Restaurant due to a defective step, No Warning Signs, & no lighting. 
The RESTAURANT INVOLVED & THEIR INSURANCE COMPANY WERE LEGALLY RESPONSIBLE FOR PAYING ALL MY MEDICAL BILLS from this Incident as part of their Settlement to Avoid Lawsuit. 
ALL the Bills were Submitted to the Restaurant & their Insurer including the Bill/s in question. Bills were clearly paid by the Restaurant & its Insurer. Why these ones were not credited paid and attached to me as Collections at all is clearly due to IMPROPER actions by the Collectors involved. Since I am NOT LEGALLY RESPONSIBLE for any payments. 
DOCUMENTATION : I have attached copy of a Letter from my Attorneys Office ( XXXX XXXX XXXX, Attorney XXXX XXXX XXXX, XXXX, NC XXXX ) attesting to & fully detailing the foregoing. The Attorney can verify the accuracy & truth of the Letter & Facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: CT

Complaint narrative:
Hunter Warfield, Inc. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX  
XX/XX/2021 
Account Number: XXXX

XXXX XXXX XXXX XXXX XXXX XXXX CT, XXXX

Original Creditor: XXXX XXXX 
Consumer Number: XXXX

Current Balance: XXXX

* THIS BALANCE WAS PAID IN FULL AND MS. XXXX XXXX CONSUMER COLLECTIONS MANAGER WAS GOING TO REACH OUT TO XXXX  AND CLOSE OUT MY COLLECTION ACCOUNT. I NEVER HEARD BACK AND THIS ACCOUNT IS STILL OPEN WITH HUNTER WARFIELD. I JUST TESTED THEIR SYSTEM.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota Financial Services. We leased a XXXX XXXX. When the lease was ending we got the pay-off and it was for XX/XX/XXXX. We paid it off ( which Toyota states we received your payment of {$11000.00} on XX/XX/XXXX ) and figured that was that. However, in XXXX we found out they were marking our account delinquent which made no sense as they had our {$11000.00} since XX/XX/XXXX. Even charged us some kind of tax we paid in full AFTER we paid off the car. XXXX - Toyota Account Manager XXXX reached out to me from XXXX and said there was some paperwork we had to sign to get the title. I asked if our credit would be cleared up once completed and we were told yes. However, they never cleared it up and are refusing to still clean it up. We were NEVER late, in fact, they owed us a refund after it was all said and done. They owed US money. 

XXXX has not reviewed the verifiable information that Toyota had our money in hand. If there was an issue... Toyota should have sent us back OUR money and that would have alerted us there was an issue. They did not give us back OUR money NOR did they inform us of any issues. As soon as we were aware there was an issue XX/XX/XXXX ( Friday ) we returned the paperwork XX/XX/XXXX ( Monday ). There were no late payments. XXXX- when I spoke with her - assured me once they paperwork was filled out - our credit would be corrected. We asked multiple times ( through their " Secure Messages that are no longer " accessible '' nor can you see any YOU send ) about them fixing our credit and that XXXX assured us they would fix this. On top of that they had to pay us monies BACK ( over {$300.00} ) and probably actually owe us more. I wonder if it was legal for them to charge us additional amounts AFTER they took our {$11000.00} that we *also* paid for some kind of tax on the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I noticed that Equifax is reporting one inaccurate negative item in my account from XXXX, one inaccurate negative from XXXX, two inaccurate negatives from XXXX XXXX  , two inaccurate negatives from XXXX  XXXX, and two inaccurate negatives from XXXX XXXX XXXX All negative accounts are showing that I have several chargeoff accounts that have a balance on them. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The data furnisher failed to provide correct and accurate contact information on the consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
I haven't heard back about my XXXX verification wallet. It says it is still pending, and I will hear back about it in 1 or 2 business and 1 and 2 business days have been passed. My cash app tag is $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The data furnisher failed to provide correct and accurate contact information on the consumer credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I HAVE AN ADJUSTABLE RATE MORTGAGE ( ARM ) THAT RESET ON XX/XX/XXXX. THE LENDER, FIFTH THIRD MORTGAGE ONLY PROVIDED ME WITH A 1 PAGE DOCUMENT STATING THE NEW RATE & MONTHLY PAYMENT. I CONTACTED THEM TWICE REQUESTING ADDITIONAL DOCUMENTATION, SUCH AS AN AMORTIZATION SCHEDULE, AND WAS FIRST TOLD THAT THEY COULD NOT PROVIDE IT. WAS THEN TOLD IT WOULD BE MAILED TO ME ON XX/XX/XXXX & HAVE NEVER RECEIVED IT. 
THE PAYMENT QUOTED ON THEIR DOCUMENT DOESN'T APPEAR TO BE CORRECT. BASED ON THE OUTSTANDING PRINCIPAL BALANCE OF {$81000.00} WITH A RATE OF 2.5 %, THE PAYMENT SHOULD BE CONSIDERABLY LOWER THAN QUOTED ACCORDING TO A STANDARD 30 YR. MORTGAGE CALCULATOR. I AM UNCERTAIN AS TO HOW THEY ARRIVED AT THEIR FIGURES. I ALSO AM UNSURE AS TO HOW & WHETHER MY MONTHLY PAYMENST ARE BEING APPLIED AGAINST THE OUTSTANDING PRINCIPAL BALANCE. 
UNDER THE TRUTH IN LENDING DISCLOSURE ACT THEY ARE REQUIRED TO PROVIDE ME WITH DETAILS OF ALL FINANCE CHARGES, PAYMENT SCHEDULE, TOTAL OF PAYMENTS & ANY OTHER PERTINENT INFORMATION, THEY HAVE NOT. 
THEY ARE IN VIOLATION OF THE TRUTH IN LENDIGN DISCLOSURE ACT & SHOULD PROVIDE ME WITH ALL THE REQUIRED DOCUMENTATION UNDER THE LAW. I SHOULD NOT BE UNAWARE OR UNINFORMED ABOUT HOW MY MORTGAGE WAS CALCULATED OR HOW PAYMENTS ARE BEING APPLIED.

Company response to consumer: Closed with explanation