vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AUTOMOTIVE CREDIT CORPORATION
State: CO

Complaint narrative:
XXXX and XX/XX/2020. They show me late once on my auto loan.i take my credit very seriously .I was never late.they had a billing error taking out my automatic drafts that month.i even sent them emails showing that I was in contact with them the day after the payment was not taken and was assured it would be ok.They never removed the one late payment from my 3 credit reports.I have since paid off this vehicle, but this is unfair and deceptive tactics.this is bad business and they need to fix their mistake. My ss # is XXXX dob XXXX

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 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
When I got the card, I was happy to use the card. After I used it outside the XXXX store my fees were up to 29 % and I decided to pay it in full, unfortunately I am not agreeing on having a late payment reporting in my credit history

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 2021-05-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On multiple occasions I have reached out to Bank of America pre-paid account representatives who have unfortunately been less than helpful in assisting me to resolve the issues with the EDD debit card. On XX/XX/2021 I had a debit card purchase attempt and failed to reply to the text in a timely fashion. Since then, it has been a nightmare. I have no access to my online account and am being told that my card is closed. Bank of America reps tell me continuously to refer to my sponsor ( EDD ) who have attempted to no avail, both verbally and electronically to confirm with Bank of America there are no security issues, no request to close my account and so on. 

Quite naturally this has placed me in a compromising position as bill payments have been rejected and I am unable to receive the funds that were on the card as well as the new benefits payments. As recent as today, I spoke to XXXX at XXXX XXXX and was advised Sorry, we are working on it. Just be patient. A supervisor XXXX that I was transferred to states the card was closed on XX/XX/2021 by the fraud department the same date the transaction was attempted at XXXX XXXX. She confirmed that EDD played no role in this and no check has even been sent out for the credit balance that has now been essentially stolen, seeing as though I cant even access my online account nor the statement sent XX/XX/2021. 

I have been repeatedly lied to, and told there is a so called investigation ongoing. No-one, has been investigating this matter ( as there is nothing to investigate ) and at the end of today 's call as a show of understanding at XXXX, XXXX advised me that some customers have been waiting longer than a month for similar issues to be resolved. That is absolutely horrific and I need immediate resolve.

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 non-monetary relief
Consumer complaint received 2021-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX, I opened a Checking Account in branch with Union Bank. At the time of account opening, I took advantage of a {$300.00} " refer a friend '' promotion incentive. This promotion required three $ XXXX direct deposits or 10 debit card transactions totaling at least {$1000.00}. During the month of XXXX, I received three direct deposits of at least {$500.00}. Unfortunately, I received a letter in early XXXX ( dated XX/XX/XXXX ) that Union Bank would be closing my account XX/XX/XXXX. I've reached out repeatedly to Union Bank ( customer service, local branch manager, and the customer advocacy department ) in hopes of getting this issue resolved ; however, none of these individuals have been able to resolve this issue. As of today, Union Bank has still yet to pay my " refer a friend '' incentive and has not adjusted their decision to close my account on XX/XX/XXXX. This entire experience feels like such a bait and switch. I completed the bonus terms and then Union Bank decides to close my account vs. paying out to account incentive as promised at the time of opening.

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 non-monetary relief
Consumer complaint received 2021-05-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

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 2021-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We ( I & my wife ) are both retired, and a month and half ago my wife contacted our mortgage bank ( Wells Fargo ) to see if they forgive our remaining mortgage ( very little left ) since we have always paid on time and also finished most of the interest for the loan. The bank did not have any programs, but they mentioned " loan modification '' plan which we did not apply for it. They sent the application through the mail, anyway. A few weeks later, we received another package that indicated the bank had opened an escrow without our knowledge, had paid the XXXX County Tax ( for the property ) that we had already paid ourselves a few days earlier, and appraised the property. We contacted the W.F and expressed our shock and dismay with the steps they had taken on their own without our consent. They designated a case specialist and after going back and forth she informed us that the case is dropped and the bank would withdraw the escrow documents. Today ( XX/XX/21 ), I found out that we were overcharged in our bi-weekly mortgage payment by WF. I contacted the officials of the bank and to my surprise I discovered they had not withdrawn their escrow papers ; instead, they had charged us for their fees.

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 non-monetary relief
Consumer complaint received 2021-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: OH

Complaint narrative:
I have been getting different information from FedLoan Servicing regarding the public service loan forgiveness ( PSLF ) program. There have been problems throughout the entire term of the loans with respect to how payments have been calculated, but I have been employed with a qualifying employer for well over 120 payments at this point. I called to inquire about how to submit for loan forgiveness. I was told that I would need to submit the PSLF Certification and Application form once to certify my continued employment and calculate qualifying payments, and then submit it again for the process of loan forgiveness. I submitted the application form ( as I have done annually for years ) on XX/XX/21 and had no response with regard to qualifying employment status or payment counts. When I called to follow up on this on XX/XX/21, I was told that because it was submitted via means other than the PSLF Help Tool that processing would likely be delayed, and could be given no time frame on when this would be reviewed. There was never any indication that one modality of submission would result in any difference in processing time. I still had no update through XX/XX/21 and contacted FedLoan Servicing again. At that time they suggested that it would be faster to resubmit the application through the PSLF Help Tool, which I have since done on XX/XX/21. I was also informed at that time that the form would only need to be submitted once, and that I would be automatically submitted for loan forgiveness if I had 120 qualifying payments on the loans. The inconsistency of information provided leads to confusion and increase potential for errors/further delays. I am also concerned that this could lead to a denial in loan forgiveness if submitted incorrectly. If payments resume in XXXX, this could translate to thousands of dollars in unnecessary costs to me due to delays and misinformation, which is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21 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: Nicholas Financial Inc.
State: SC

Complaint narrative:
Car was repossessed and sold at auction. The original debt is 6yrs 4 months old and they reached it to 4 yrs .Balance on one credit report shows paid the other is reporting original debt. I have submitted several verification of debt and request for inaccuracies to be corrected or deleted to both creditor and all credit bureaus. Its deleted off one and remains inaccurate on others. Neither the creditor or credit bureaus have taken my phone calls or letters seriously and has caused severe damage to my credit. When I have tried to point out inaccuracies and request my right for accurate data or deletion as my consumer rights provide me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE Financial Services , Inc has committed multiple violations and mistakes in my credit reports. CMRE has damaged me being NEGLIGENT AND UNFAIR. This company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. 

Accounts information : 1. Account number : XXXX, date opened : XX/XX/2018, original balance : {$2700.00}. 
2. Account number : XXXX, date opened : XX/XX/2018, original balance : {$260.00}. 

CMRE is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : The hospital failed to bill Medicare insurance. 
There were unnecessary procedures that I was put through that were not necessary. 
Hospital overbilled and made me agree to take more expensive procedures than needed. 
I was grossly overbilled for what was one hour visit. 
Unfair business practices and negligence. 

I just want a fair solution and get these accounts removed from all 3 credit bureaus asap. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
person texted me about possible fraud with my debit cardstating they were with Wells Fargo then they called about the same situation ... they kept me on the phone for 20 min they listed phone number XXXX which was one digit off from the number on the back of my wells fargo debit card there were also texts from XXXX

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 2021-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
On XX/XX/21 we spoke to manager XXXX regarding a XXXX late fee on our account. We were never late as it is set to auto pay electronically. We were told their bank was closed that day and that is why the payment did not post until one day later. We were told if we paid XXXX that day that they would waive the other late fee. Our payments were only XXXX and we had another payment coming out autmatically for XXXX put we paid via phone that day the extra XXXX. That would put us a month ahead, but that was fine so that this did not happen again. Now in XXXX we are turned over to collections and they say that we owe XXXX because we did not pay the XXXX late fee and it has accumulated another XXXX. We sent a print out of all of our electronic payments and none have been late. We are refusing to pay the late fee and they are saying that they can not waive them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home American Mortgage Corp
State: NV

Complaint narrative:
In XXXX I applied for a mortgage to buy a new construction home in XXXX California. Months have gone with little contact. I inquired about the status of my loan and has been given the run around. The loan is supposed to close on XX/XX/2021 but I still dont have an approval or denial its XXXX XXXX. Im also supposed to do a walk-through on XX/XX/XXXX not knowing whether or not my loan is approved or not. In the process of reviewing my loan the lender has violated HIPPA and fair housing laws. And I am being treated differently from other borrowers. The lender has contacted my employer and the department of treasury to get far more personal and detailed information that they need in order to determine whether or not I qualify for the loan they are questioning whether or not Im going to return to work because Im on vacation at this time. I have explained to them they I will return to work. They inquire about whether or not I am on sickleave or whether or not I have FMLA. They accuse me of lying when they make a mistake. they appear to be trying to find a reason to deny this loan because the property has gone up so much since I first applied for the loan. They have shared details with the builder realtor asking me again about my health.

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 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
NATIONAL CREDIT ADJUSTERS , LLC is a debt buyer who previously bought an account from the original creditor. The account was disputed back in 2018 with the original creditor due to identity theft. My Information was stolen during the XXXX data breach and it was resolved and removed from my credit but now the debt buyer has reported the account on my report. I have not received any proof of debt which includes the original application of such credit card with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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