vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: IL

Complaint narrative:
I received a certified letter stating that my loan was finally paid off on XX/XX/XXXX! This was after they dated and sent out the letter on XX/XX/XXXX! I contacted the company on XX/XX/XXXX to find out that my loan had been paid off and I no longer owed Advanced America. I have since had to contact them 2-3 times a week to see if they have received my over payment check back in the mail. I contacted the company on XX/XX/XXXX to receive an attitude for the worker. I was told that they can cancel the check that was mailed to me after it was sent to an address no longer used. I received the letter stating that my loan was paid off at one address but they mailed a check to another address! 

It would then take 2 months for them to issue me a new check! That is completely unacceptable as they didn't think twice about receiving the money from them so why should they need this long to issue a new check? 

I do not appreciate getting an attitude when I am asking because I need the money as once again I am hurting for cash but I refuse to take out another payday installment loan! There are other ways of handling things when I am not even giving you an attitude. Since XX/XX/XXXX I have had to contact the company and contact the post office to see what is going on! I have wasted more of my time than should've been needed to correct this in result of using this company. 

I was indirectly called a lier as Advanced America does not send out certified letters however I received a certified letter in the mail at my home stating that my loan payments were completed. The employee continued to give me an attitude and state that they do not send out certified letters when loans are paid off but I can be sure to bring it into the location just to prove that I received it. 

I am unsatisfied with the treatment I have received from the employees at this company. There has been no problem up until now ... .why? Because my loan is paid off?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: NC

Complaint narrative:
XXXX and Experian are taking too long to respond to an investigation I requested on XX/XX/XXXX. They were supposed to respond within 30 days.

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 2018-12-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Unauthorized inquiries applied to my credit file. I contacted Equifax 3x and every time I am told to contact the creditors which I have done to no avail. It is a never ending cycle of being told the same thing over and over again to no avail. It has affected me personally and I intend to pursue litigation and hold Equifax liable as they have offered me no recourse. If the inquiries are a " matter of fact '' and the companies were doing account reviews they should be coded as " soft '' not hard inquiries. Under no circumstances are unauthorized " hard inquiries '' allowed to remain a fact of record. Equifax continues to tell me that and that is not true. I have attached the letter of the unauthorized inquires which has been previously sent to Equifax which they have completely ignored. You are told to contact the creditor over and over again and they know that gets no results. If the inquiries are fraudulent, then of course the companies have documentation because they think you authorized it. That does not mean its authorized. Additionally, several companies indicated they were account reviews. If they were account reviews then they should be coded as such. The companies then lie and say they will contact Equifax to remove it or code it as soft but it never happens. This has been going back and forth far too long. I will absolutely take legal action if Equifax ignores my 4th request to remove or correct inaccurate information. If the creditors have been negligent in correcting this information Equifax has a duty to remove it or correct it. This is becoming a little ridiculous. Please see the attachment below to be forwarded to Equifax. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: NC

Complaint narrative:
Equifax and XXXX are taking too long to respond to an investigation I requested on XX/XX/XXXX. They were supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I purchased my Family home from my Mother giving her a life estate, in XX/XX/2016 my Mother Died, the bank was notified with death certificate and at that time I presented the bank with my registered deed and my intentions to keep the house as its my primary residence. I ask BB & T what the payoff is, BB & T refused to talk to me. so I withheld payment and told BB & T I wanted to pay off mortgage BB & T still refused to acknowledge the interest I had in the property as a heir and owner. I called almost weekly for a time trying to find out information when foreclosure proceeding started my Attorney ask for payoff he was not able to get a correct answer from the Trustee ( XXXX, XXXX XXXX ) for over a year this continues, BB & T got the foreclosure so I appealed the decision which is where we are at now. Finally the bank recognizes I am owner and heir, ( Attached ) I do not think BB & T followed the Guidelines of the current regulations. 
if the bank had followed the guidelines the house would have never gone into foreclosure thank you for any assistance you can provide. 

Loan number : XXXX XXXX XXXX XXXX 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 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I locked my Equifax report via XXXX a while ago per the Equifax hack ... I recently began applying for mortgages, and was told by my brokers that I need to unlock my Equifax report to proceed ... I submitted an unlock request on the XXXX website, which states they try to do it in real-time, but gave me a message that it would take 48 hours. It has been over 48 hours, and I was hoping to get my mortgage approval in time to make an offer on a property, but the banks need the Equifax report to complete the process. 

I called Equifax, they said that the XXXX is a third party and I had to contact them to unlock. They essentially claimed they have no power to unlock their own credit reports, and shifted responsibility to XXXX  and said they are not affiliated with them, which is an obvious lie. 

I called XXXX, they said they do not know why it's taking so long, and submitted a service request that will take up to 5-7 days ... the property I'm looking to offer on will likely be sold in that time. The call with them ended with " thank you for calling Equifax ''. So they are affiliated after all. 

XXXX  was offered for free because of the Equifax hack that put their customers at risk, and Equifax continues to treat its customers as products ( products they can't even exert control over its seems ).  Why the government allows this incompetent firm to continue extracting rents from American consumers is beyond me. This company makes the DMV and the Post Office look like well tuned operations. 

Warning to all, do not use XXXX  and avoid any and all services from Equifax where possible, as they can not do the simplest of tasks and do not care about you ( the product ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: CA

Complaint narrative:
I am a veteran who uses XXXX 's free credit monitoring service. On XX/XX/2018, I received an email from XXXX that my credit report had changed. I logged in to see an inquiry from " EXPERIAN XXXX XXXX  '', posted on XX/XX/2018. I have no business with such an entity and did not authorize it. I also noticed an identical one on XX/XX/2018 that I also did not authorize. I called the phone number indicated and it turned out to be a XXXX number. They transferred me to Experian. I was transferred 3 times by Experian, each time having to give my full SSN, DOB, address, etc. Each time, after all that, no one knew what to do. I asked to speak to a supervisor and was place on a terminal hold, where I remain right now as I am typing this. Furiously.

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 2018-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My name is XXXX XXXX My mortage loan number is : XXXX with wells fargo home mortgage. I made 2 mortgage payments on XX/XX/2018, payments were processed at the Wells Fargo Branch. I have spent almost 3 months trying to get both mortgage payments applied to my mortgage balance. 

Wells Fargo has now transferred my mortgage to a debt collections agency called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has called me 3 times on XX/XX/2018 for the puropose of collection a delinguent debt. XX/XX/2018 & XX/XX/2018 I received in the mail a mortgage default/foreclosure notice from XXXX XXXX XXXX. 

Wells Fargo cant seem to get my 2 missing payments applied to my mortgage balance and has now transfferred my mortgage to a debt collections agency. I have lost a great deal of sleep and personal time and effort with providng bank statements, cancelled checks and numerous phone calls daily in an effort to get this correct. Now my house is in defualt and possible foreclusre as a result of Wells Fargo errors.

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 2018-12-19 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: NC

Complaint narrative:
I sent a letter to the credit bureaus on XX/XX/XXXX, disputing 3 errors on my credit report. THey were supposed to investigate and respond by early XX/XX/XXXX, but they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been a Capital One Visa Credit Card customer for over 25 years and I have always been satisfied with the customer service. As a matter of fact, my partner signed up for a Capital One Visa Credit Card card after I recommended it to her. I am also an XXXX XXXX and have recommended the card to many of my guests who travel a lot. However, on XX/XX/XXXX I had a very disappointing interaction with Capital One customer representatives over the phone. 
For some reason I missed my XX/XX/XXXX payment of {$1300.00} by a few hours. I think it was because of a software change on the bill payment website at my bank which now requires repeated confirmation of an electronic payment and I may have closed the website too early. I got an e-mail from Capital One on XX/XX/XXXX that I missed my payment. I quickly checked my payment history and found that the payment had not been made. I immediately called Capital One and asked if I could pay it right away and if they could waive all the late charges. I was assured by the operator that the charges were cancelled and that I was clean. 
I did not think anything of it and made my XX/XX/XXXX payment of {$4100.00} without scrutinizing the bill very carefully. When the bill due on XX/XX/XXXX arrived on XX/XX/XXXX I was shocked when I saw that I was charged {$51.00} interest. After all, I had payed all my bills in full and only the payment due on XX/XX/XXXX was a few hours late. Then I went back and reviewed the timing of the events and the bills and realized that I was charged {$64.00} in the bill due on XX/XX/XXXX. 
I was outraged when I realized that only the late fee of {$25.00} had been dropped but not the interest charges of {$100.00} for being a few hours late on a payment of {$1300.00}. I find this unacceptable especially because I immediately took care of the problem as soon as I knew about it. 

In summary I am asking Capital One to credit my account with all the interest charges that were caused by the delayed payment on XXXX XXXX. These charges were listed on the bills due on XX/XX/XXXX ( {$51.00} ) and XX/XX/XXXX ( {$64.00} ). I am also asking you to eliminate any additional charges that may be on future bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-19 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: NC

Complaint narrative:
I sent a letter to the credit bureaus on XX/XX/XXXX, disputing 3 errors on my credit report. THey were supposed to investigate and respond by early XX/XX/XXXX, but they have not.

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 2018-12-19 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: NC

Complaint narrative:
I sent a letter to the credit bureaus on XX/XX/XXXX, disputing 3 errors on my credit report. THey were supposed to investigate and respond by early XXXX, but they have not.

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 2018-12-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2018 I contacted Equifax at XXXX about a error shown on my credit report confirmation # XXXX, the disputed item is not currently reporting on the Equifax credit file : Company Name : XXXX XXXX  Account Number XXXX 2. The disputed item is not currently reporting on the Equifax credit file : Company Name : XXXX XXXX XXXX : Account Number XXXX 3. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX Account Number : XXXX 4.The disputed item is not currently reporting on the Equifax credit file : XXXX XXXX. 
I talked to a lady from Equifax by the name of XXXX she refuse to listen to me about the error on my credit report and Stated to me 1st of  all I am not your baby girl! I then told her i was telling that to my grand daughter i just got off the school bus then asked her did she wan na carry on with the items in error that i am called about she pulsed ( then she hung up on me in the middle of trying to solve a issue with my credit report ). A hour later i was transferred back to the supervisor XXXX who hung up on me she stated to me that the phone call was dropped or lost i said to her that is not true you hung up on me and that is against the law according to the FRCA and CFPB she then asked me if i would like her supervisor i said no i would like to carry on from where we left off, without hesitation she transferred me to her supervisor XXXX Employee # XXXX, XXXX investigated the error and stated to me he see the error but don't know what happened he said to me all he can do is re-open another investigation i told him no i refuse the item should be removed at once the XXXX accounts as well as the XXXX XXXX account due to a error Equifax made, he told me he don't have the authority to remove the error all he can do is re-open a new investigation, once again i told him no I want these accounts removed at once, so he transferred me to his manager, I waited on hold 4-6 min and got a voicemail telling me he will call me within 24 hours i left a massage to a manager voice mail in another country.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  - XXXX has transfferred my mortgage too : Select Portfolio Servicing. I am receiving mortgage default phone calls from Select Portofilio advising they are collectiong on a debt for a default mortgage. I received 3 phone calls  on XX/XX/2018 from Select Portfolio Servicing demaning mortgage payments that are delinquent and the respective late payment charges & interst amounting too {$15000.00} plus 2 past due mortgage payments in the amounts of {$1300.00} & {$1300.00}. 

I am not in default of my mortgage payments ; I am not behind in my payemnts. Why is a debt collections agency calling and sending me written mortgage default requests for payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
When trying to check the status of a dispute with Equifax, they require me to answer questions supposedly taken from my credit report. When I answer the questions correctly, they say my answers do not match their records and refuse me access. I understand the need to protect my information, but of course my answers may not match because THEY have the incorrect information. And now I can't access my report to correct THEIR incorrect information, which appears to violate federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I opened up an account on XX/XX/2018 and it is only one account an they have have it listed as two synchrony bank accounts, I have attached a copy of my credit report and XXXX  is showing this, I want this corrected 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 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I tried disputing this online through the credit bureaus and Bank of America response was not accurate. The info reported was during the time of refinancing in which Bank of America was aware because I hired attorneys for the transaction which notified them accordingly. The time period reported is not consistent and Bank of America and I was represented by my attorneys. The delinquent payments are not accurate. Bank of America has reported some payment history as No Record and  some as 30 days Late. The This info is scattered over the years and not consistent which is completely false. Also, XXXX XXXX  has purchased my mortgage in XX/XX/2018 thru Bank of America. I don't understand why XXXX is reported ownership of my mortgage as if they were Bank of America. Bank of America is still reporting info to the bureaus as of XX/XX/2018. My mortgage was acquired by XXXX in XX/XX/2018. 

I am respectfully requesting that the Bank of America be removed from my credit report from each bureaus.

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 2018-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DCI Credit Services, Inc.
State: MT

Complaint narrative:
I was called on a debt that was owed back in XX/XX/XXXX on XX/XX/XXXX for XXXX dollars. They said they mailed one notice out to a address that I havent live at since XX/XX/XXXX. I kindly asked them to mail another notice out so I can pay it. They refused and said they dont have too. I said Id pay it over the phone. Then they refused to use my debit card and said I can only pay with a checking account. They finally took my debit card after Arguing with them. They wouldnt even mail me a proof of payment.

Company response to consumer: Closed with explanation