vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Please correct my credit was paid in full and/or is being paid on. Currently it shows on my credit report as closed bad debt which isnt true.

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 2019-11-03 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I paid this account in full in 2016 but Wells Fargo refused to update my credit report reflecting this. I never closed this account as it states on credit report. This account should still be open and active and it should show that the account was paid in full and on time. Well fargo refuses to provide me with the account information.

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 2019-11-03 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: SC

Complaint narrative:
I obtained a personal loan from security finance in XX/XX/2018 with all intent to pay. I paid on my account twice and contacted them to let them know I lost my then job. The guy had an attitude so I decided not to go back. He then did 11 hard inquiries on my credit. I contacted him to let him know that his actions was illegal and it needs to stop.he stated that he didnt know a better way to reach me. He didnt call me once before I contacted him. He has since charged the account off and left a derogatory remark on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I spoke with XXXX ( said she was a manger ), XXXX ( Manager ) and all three have told me they would remove the 30 day late several times but did not. I then called back and spoke to a manager named XXXX after being on hold for over an hour. They are saying when I made my payment though my mobile app it did not go through and they realize it was in fact a mistake they made but still refused to removed the 30 day late after they submitted my information to there credit department. 

At this point I do not trust anything they tell me as when you speak to them it's as if they will tell you what you want to hear then nothing changes. I have been on time with them since I opened my account with them which was XX/XX/2018 and my score has gotten much better and not that I am getting close to fixing my credit this happens. 

They refuse to remove the 30 day late and I feel they are doing this on purpose to tarnish my credit in order for me not to close them and get an opportunity to get a better rate switch to a better credit company. 

I am XXXX years old and I am a male XXXX and I feel that they are discriminating against me and preventing me from improving my credit in order for me to eventually purchase a home.

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 2019-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST
State: AZ

Complaint narrative:
This bank is acting in a fraudulent manner and discriminating against peoples with disabilities. See documents enclosed.

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 monetary relief
Consumer complaint received 2019-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a unused credit card from Capital One for which I was paying a lot of money on Membership Fees. OnXX/XX/XXXX I called Capital One ( at around XXXX XX/XX/XXXXPDT ) and asked them to close my credit card. There was no option to close the credit card from the online site. This is a very deceptive and dubious practice. I spoke to the customer service person for more than 15 minutes who tried various ways to keep the account active which I declined. I asked them to close the account immediately. On XXXX I found through credit reporting agency that my card was still open and I was being charged Annual Membership fees + Interest charges and I was missing payments for the same. I did not receive a paper statement it nor did I receive an email. I was under the impression that my card was closed. Today I chatted with Capital One online so that I can keep a record of my chat. They told me that they can not help if the account was not closed and can waive the fees if I pay the membership fee. This is extortion in broad day light with the help of the Government. Why they don't have an option to close account online as that would give us a clear record and a transaction ID? Basically they want you to call them so that they can keep your cards open. Capital One has ruined my credit report and they should pay for it. 

This is the same practice XXXX XXXX did with me few months ago and the same practice by Capital One. 

I don't think CFPB will do anything ( as they did not do anything regarding similar complaint against XXXX XXXX ) but I am recording this complaint anyway so that I can reach out to our congressman and senators with the same complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am making this statement as a Notary Public ( CA # XXXX ) for and by the State of California : On XX/XX/2019 my family 's XXXX XXXX XXXX was illegally repossessed from our front driveway without prior notice, either in written or verbal format, from Toyota Financial Services ( TFS ). To wit, TFS has admitted that they withheld said communications under the guise that my family was somehow on a, '' Do Not Call '' list ( false ). In any case, we have redeemed that said repossession and gotten the XXXX XXXX XXXX returned to us on XX/XX/2019. However, TFS still wants {$280.00} in " Late Charges '' by XX/XX/2019 in addition to the regular monthly payment. It is my assertion that TFS is simply trying to reconcile their accountancy system of my car 's record by getting the payment current in all costs and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
I met all the steps to receive an HSBC bonus. As soon as I told them I was XXXX they denied my bonus even know the data showed I fully qualified. I spent months of my time, well over forty phone calls, over ten emails and around forty hours of my time to fight to get the bonus that qualified for in the first place. This firm is acting in a fraudulent manner and discriminating against peoples with disabilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My second mortgage with XXXX XXXX XXXX was charged off XX/XX/XXXX. At that time we agreed to a settlement amount of {$25000.00} with a initial down payment of {$10000.00} with a monthly payment of {$310.00} to be withdrawn directly from our XXXX XXXX XXXX account on the XXXX of every month. We have been making this payment since XXXX and have NEVER been late. I checked my Experian account and it shows that there is a XXXX XXXX XXXX charge off  listed with an amount of {$75000.00} with a balance of {$47000.00}. It also shows on our credit report that we have been listed as FP failed to pay for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and FP for XXXX, XXXX and XXXX of XXXX. We have bank statements and the original settlement agreement with XXXX XXXX XXXX that prove we have NEVER failed to pay the agreed amount. The XX/XX/XXXX FP failed to pay report lowered our credit score 11 points, right at the time we are trying to refi our current mortgage. We would like the FP failed to pay be removed from all credit reports for all months starting in XXXX up to XX/XX/XXXX and for XXXX XXXX XXXX to show the settlement amount and the balance.

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 2019-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I believe I opened a secure credit card on XXXX or XXXX of 2014. When I was misled and pushed by the bank officer, after assuring and promising that I will have absolutely right to get unsecured credit card within 6 months time under Wells Fargo business policy. However, I have learned in a hard way that it was not true. Even though, I have never late or miss my payment for a single day since the opening of this account, and also the APR is close to 25 %, I have not gotten yet to this day what I was promising more than 6 years ago. This simply makes me mad as XXXX, because what the bank promising was simply untrue, even I have a credit score between very good and excellent. This is very depressing, because they don't really care, for something that I can not explain and understand. This is unacceptable, unfair and unethical. The opportunity cost of 6 years is beyond incalculable financially and emotionally. Of course, I got a negative yield by any measure. Today, this is particularly true for me, after wating for 6 years. 

Over the entire 6 years period, I spoke with different customer services regarding this issue more than 40 to 50 times, but I have only gotten a lip service saying " you are not graduating yet, wait a little bit, we will let you know when the time is right ''. I was constantly pleading with them to stop this trend of misleading not to continue forever, but anyone they are doing it. 

Not only this but also they opened awhile ago a new account without my consent, when I found out, they apologize over the phone, and I moved on. Despite of all the bad things, I have continued my business. Now, almost my faith is collapsed. 

Now, I realized that Wells Fargo system becomes a grave concern to me. That is why I am desperately seeking your assistance. 

Sincerely, 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 monetary relief
Consumer complaint received 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My second mortgage with XXXX XXXX XXXX was charged off XX/XX/XXXX. At that time we agreed to a settlement amount of {$25000.00} with a initial down payment of {$10000.00} with a monthly payment of {$310.00} to be withdrawn directly from our XXXX  XXXX XXXX account on the XXXX of every month. We have been making this payment since XXXX and have NEVER been late. I checked my XXXX   account and it shows that there is a XXXX  XXXX XXXX charge off listed with an amount of {$75000.00} with a balance of {$47000.00}. It also shows on our credit report that we have been listed as FP failed to pay for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and FP for XXXX, XXXX and XXXX of XXXX. We have bank statements and the original settlement agreement with XXXX XXXX XXXX that prove we have NEVER failed to pay the agreed amount. The XX/XX/XXXX FP failed to pay report lowered our credit score 11 points, right at the time we are trying to refi our current mortgage. We would like the FP failed to pay be removed from all credit reports for all months starting in XXXX up to XX/XX/XXXX and for XXXX  XXXX XXXX to show the settlement amount and the balance.

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 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My second mortgage with Bank of America was charged off XX/XX/XXXX. At that time we agreed to a settlement amount of {$25000.00} with a initial down payment of {$10000.00} with a monthly payment of {$310.00} to be withdrawn directly from our Bank of America account on the XXXX of every month. We have been making this payment since XXXX and have NEVER been late. I checked my XXXX  account and it shows that there is a Bank of America charge off listed  with an amount of {$75000.00} with a balance of {$47000.00}. It also shows on our credit report that we have been listed as FP failed to pay for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and FP for XXXX, XXXX and XXXX of XXXX. We have bank statements and the original settlement agreement with Bank of America that prove we have NEVER failed to pay the agreed amount. The XX/XX/XXXX FP failed to pay report lowered our credit score 11 points, right at the time we are trying to refi our current mortgage. We would like the FP failed to pay be removed from all credit reports for all months starting in XXXX up to XX/XX/XXXX and for Bank of America to show the settlement amount and the balance.

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 2019-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
The Carrington mortgage servicing department, has created this problem. The first item which happened was the company placed me on the certified funds only payment plan. It takes two returned items to be placed on this list. The first time was substantiated to be a bank error approximately XX/XX/19, yet Carrington mortgage servicing choose to apply this to my record. Then I was told not to make a payment during a refinance process. So I set up a promise to pay on XX/XX/19, and there were not instructions to stop the direct payment when doing this process, at least in an area readily seen when doing this process. This process resulted in a 30 day late notation on my credit. So Carrington mortgage servicing department told me I need to western union my payments, this was an immediate posting process according to Carrington, and for a few payments it was. So with their actions another payment needed to be made due to another error in the refi process at Carrington mortgage, I had to make another payment via western union ( which I shouldnt be doing anyway ) which was made on XX/XX/19 and Carrington is posting on XX/XX/19, resulting in another 30 day infraction. This being said I attempted to resolve these issues with Carrington mortgage servicing department with extreme resistance on every level the errors were made. Carringtons actions have resulted in extreme issues further damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
The Carrington mortgage servicing department, has created this problem. The first item which happened was the company placed me on the certified funds only payment plan. It takes two returned items to be placed on this list. The first time was substantiated to be a bank error approximately XX/XX/19, yet Carrington mortgage servicing choose to apply this to my record. Then I was told not to make a payment during a refinance process on my fha loan. So I set up a promise to pay on both of my loans approximately XX/XX/19 to figure out what was needed on my accounts, and there were not instructions to stop the direct payment when doing this process, at least in an area readily seen when doing this process. This process resulted in a 30 day late notation on my credit. So Carrington mortgage servicing department told me I need to western union my payments, this was an immediate posting process according to Carrington, and for a couple of payments it was. So with their actions another payment needed to be made due to error in the reporting process at Carrington mortgage, I had to make another payment via western union ( which I shouldnt be doing anyway ) which was made on XX/XX/19 and Carrington is  posting on XX/XX/19, resulting in another 30 day infraction. This being said I attempted to resolve these issues with Carrington mortgage servicing department with extreme resistance on every level the errors were made. Carringtons actions have resulted in extreme issues further damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: AL

Complaint narrative:
I have filed two disputes with Diversified Consultants/XXXX for reporting false information on my credit report. I have spoken with them after first dispute was turned down. I have emailed them proof debt is not owed and tried to call them again and have been unsuccessful in getting through to them, I filed a second dispute and was turned down a second time in having this removed from my credit after providing proof that the account was paid in full and all equipment returned when it was closed on XX/XX/2018 at XXXX XXXX   at the XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL. 
This should never have been placed on my credit and it is wrong in so many ways how much of my time is having to be used to have this fraudulent claim removed from my credit because it was never owed and was satisfied the day account was closed. However, it was so easy for them to put it on my credit, without so much as a warning to me. I was never even notified that XXXX was claiming a bill because I was never notified by phone or mail of this claim until it was placed on my credit. They have received proof nothing is owed but it is still fraudulently on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I received a loan for a new car from my bank Navy federal credit union. ( in which they claim not to have copies of my sale of contract ) My bank has reposed my vehicle when they werent supposed to I had till XX/XX/2019 to make a payment per my bank. They repossessed my vehicle before the date provided to me. They then provided me with a repo account stating I needed to pay passed due amount of XXXX and fees for towing and storage fees. I went to branch to make that payment which went to a repossession account. I was suppose to get word where my vehicle was. Later to find out I had to go to the tow yard and pay the exact fees to tow company. Two month later they lost a payment I made to my loan later to find out it  was applied to another persons loan in which I had no affiliation with. My bank had been stealing money from me for my loan and I dont know where some of these payment I made went. Every time I try to resolve these problems I get the run around and am never able to speak with the department that is supposably responsible. Either the department is closed for the day or they start making up things to confuse me. I began a hardship program starting XX/XX/XXXX was supposed to be on this program for 4 months however they are still pulling funds from my account just to pay the interest on the vehicle and late fees. My vehicle is now a lemon and without the sale contract I am unable to get the vehicle bought back or replaced. The old dealer ship quality XXXX of XXXX got bought out by XXXX XXXX, I am unable to get the document from the new owner. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
It shows that I owe {$120.00} to Wells Fargo Credit Services however that account has been closed for over 4 years. I would like this removed from my credit report or updated so it does not reflect unpaid.

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 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NH

Complaint narrative:
I continue to request bankruptcy reports to be removed, due to they were terminated, now dismissed.

Company response to consumer: Closed with explanation