vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-22 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I moved out on XX/XX/XXXX from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ). Approximately XXXX XXXX, I received notification in my credit report an account in collections with XXXX  in the amount of {$430.00}. I contacted XXXX XXXX in person and spoke to one of the leasing consultants ( XXXX ) to get more information about this amount owed as I NEVER received notification or a statement of charges after moving out. On the day I spoke with XXXX, the office computers were down and she was not able to look up my account information but she informed me that she will look into it and get back to me. A follow up from leasing office never occurred. I phone the leasing office multiple times and left messages requesting a return call but all my calls and messages were ignored. Things were put on hold during the COVID-19 pandemic months as the leasing office was closed and re-opened on XX/XX/XXXX. I was finally able to speak to the property manager " XXXX '' who emailed me a copy of the Final account statement reflecting the charges on XX/XX/XXXX that include {$200.00} for repair vinyl flooring, {$75.00} for repair damaged blinds, and {$100.00} trash out of apartment. I am disputing these charges as the blinds were already damaged upon move in which is noted in the lease contract. In addition, the flooring damages were from existing mold in the apartments which the leasing office was already aware of. These charges were hidden from me for almost a year even though I requested in different occasions to provide a statement of charges so that I can not object the charges for repairs. As a result, these charges were forwarded to a collection agency FCO ( Fair Collections & OutsourcingXXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX ) and have negatively impacted my credit. I have attached a copy of the email I received the leasing office along with a copy of the certified mail receipt showing that I never received the certified mail. These charges are unfair and fraudulent in nature and I am requesting assistance to have these charges remove from all 3 credit bureaus ( XXXX, XXXX, and XXXX  ). I have contacted FCO to remove this amount from collections and to remove it from my credit report without any success.

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 2020-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had my credit ran today XX/XX/20 to see if I pre-qualified for a home loan however, when my report came back I was told I wouldnt qualify for a home loan due to some accounts in negative standing appearing on my credit report. I wasn't aware that there were accounts in negative standing on my credit so I looked over my report and there were two accounts from XXXX XXXX XXXX XXXX and one from XXXX  XXXX XXXX that are not mine. I have no idea who these accounts belong to or why they're on my credit but I never allowed anyone to use my personal information such as my name, social security number, DOB or address. I did not receive anything from these accounts being open in my name and I did not make any payments towards these accounts. I do not have any written/verbal contract with those companies and I never gave them access to my credit information. I have already filed a police report as well as a complaint with the CFPB regarding these suspicious accounts.

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 2020-05-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had my credit ran today XX/XX/20 to see if I pre-qualified for a home loan however, when my report came back I was told I wouldnt qualify for a home loan due to some accounts in negative standing appearing on my credit report. I wasn't aware that there were accounts in negative standing on my credit so I looked over my report and there were two accounts from XXXX XXXX XXXX XXXX and one from XXXX  XXXX XXXX that are not mine. I have no idea who these accounts belong to or why they're on my credit but I never allowed anyone to use my personal information such as my name, social security number, DOB or address. I did not receive anything from these accounts being open in my name and I did not make any payments towards these accounts. I do not have any written/verbal contract with those companies and I never gave them access to my credit information. I have already filed a police report as well as a complaint with the CFPB regarding these suspicious accounts.

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 2020-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX and XXXX I sent payments totaling {$380.00} and was scammed. I never received the items or a tracking number and the merchant never responded to anymore texts when I kept inquiring. I attempted to contact Cash App support on numerous occasions but the only options they gave were to request a refund from the merchant. Which I did, they clearly scammed me and common sense they would not return the money. I disputed the transactions with my bank but XXXX XXXX/cash app refused to return the money to the bank. I have text messages and proof that the money was sent for goods that werent received or ever sent out. Cash app support is by email only and when they finally did respond they said they cant help with fraud even though the terms and policies on their website says otherwise. They never tried to investigate this fraud. Even though in order to open a cash app account social security numbers must be provided they are allowing thousands of customers to be scammed and providing no customer protections. This is the SECOND complaint from me. The first complaint was closed after this incompetent company responded to my complaint with another customers response letter. With her personal information and address and everything! Now shes compromised. Forcing me to have to open this second complaint because that incorrect response closed my initial complaint. ( I attached a picture of the letter they sent as a response to the first complaint with all of this womans information. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: OR

Complaint narrative:
The original price for this XXXX XXXX  XXXX is about {$14000.00}. The car was leased around XXXX and up to date the balance is around {$11000.00}. So far I think I have paid over {$28000.00} for this car. Something is not right. I want a thorough investigation on this. Even when I just paid about {$2000.00} few days ago to get my car back the amount still remain the same. I want all records of payments. No late fee will amount to almost {$20000.00}. Something is not right here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have attempted to settle this issue with the credit card company and I spoke with an agent ( XXXX ). The credit card is a Wal-Mart card that used to be with XXXX XXXX. Capital One bought the account in XXXX of 2019 but the automatic payment information was not transferred. I am willing to make up some kind of payment plan but COVID-19 IF IT TAKES INTO ACCOUNT THE CURRENT COVID-19 IMPACT THAT HAS REDUCED MY INCOME IN THE STATE OF MARYLAND, XXXX XXXX COUNTY. I HAVE DISPUTED THE PAST DUE FEES AND THIS IS A DISPUTE OF THE PAST DUE FEES. ANOTHER CONVERSATION WITH XXXX SAID THAT THEY WOULD REDUCE ANY AGREEMENT TO WRITING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
ON XX/XX/XXXX I CALLED EXPERIAN TO DISCUSS A NEGATIVE ACCOUNT FROM STATE OF MD XXXX XXXX XXXX  XXXX. THIS WAS DISPUTED IN XX/XX/XXXX AND THE OUTCOME WAS IT WAS REMOVED BY XX/XX/XXXX.THE CREDIT BUREAU REFUSED TO HELP ME AND SAID IT HAD TO BE RE DISPUTED AND NO REMOVAL OF ANY KIND WAS DONE ON THEIR END. I HAVE THE REPORT WITH THE DISPUTE ON MY CREDIT REPORT I WILL FORWARD IN A PDF FILE. AND I ALSO HAVE THE REPORT WITH THE REMOVAL IN PDF. I PAY MONTHLY FOR MY FICO AND NOTICED ON XXXX/XXXX/XXXX REPORT EXPERIAN ADDED A DELETED ACCOUNT BACK WITHOUT SENDING ME THE 5 DAY INSERTION LETTER. I DISCUSSED THIS WITH XXXX AT EXPERIAN ON XX/XX/XXXX AFTER SEVERAL ATTEMPTS TO DISPUTE ONLINE FAILED. HE REFUSED TO DEAL WITH THE ISSUE AND AFTER READING THE VIOLATION HE REFUSED TO ACCOUNT FOR THE STATUS AND ENDED THE CALL. I HAVE ALSO SENT A 5 DAY REINSERTION LETTER TO EXPERIAN. I HAVE ALSO INCLUDED THE VIOLATION THEY VIOLATED 15 u.s. Code 1681i-FCRA 611 ( a ) ( 5 ) ( B ) ( ii )

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 2020-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: CA

Complaint narrative:
Plaza Home Mortgage, my loan servicer, bought insurance on my behalf last year for no apparent reason. I own a duplex that had insurance with XXXX through a reputable broker, XXXX XXXX. I do not have impound accounts. It was the same insurance I had when I financed the property, nothing had changed, they just bought insurance for me for no reason. I received a letter from Plaza Home Mortgage XXXX of 2019 saying that they were charging me for this insurance. 
I immediately contacted Plaza Home Mortgage with a copy of my policy, but they sent me a letter saying because the address on the policy was only half of the property address it was not valid. I contacted my insurance broker and XXXX and both send Plaza Home Mortgage a copy of the policy, that it covered the whole dulplex, and the main insurance brokers copy of the policy that we provided had both addresses. 
They still charged me month after month, I had my broker send emails and faxes month after month. I am still having to pay for this. 
Plaza Home Mortgage refuses to let anyone speak with the people who review the insurance, every month they just open the case and close it. They now owe me HUNDREDS of dollars. 
They are stealing from me. Please help, they are incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX. My customer number is XXXX. I have attempted to speak to a XXXX   regarding my request to reduced my payoff amount since XX/XX/2012. Each time I have called the rep that took my call has stated/offered one of the following response .... 

1. " We do not reduce settlement offers '' 2. " I will transfer you ''.

3. The call is mysteriously ended.

4. Placed on hold indefinitely.

5. " We will get back to you '' I have left several messages with managers without a returned phone call. I have not yet been able to speak to an AVP. This is unacceptable treatment. They have ruined my credit. It shows a charge off and delinquent payments. I am an XXXX  and this has caused me to be denied for business loans, personal loans, credit cards and mortgages. I had to get another vehicle with a high interest rate because of their actions. 

During this time I was in negotiations with State Wide ( the third party insurance company ) attempting to increase the amount they have offered for my totaled vehicle. 
On XX/XX/2012 I received a letter from Santander stating they have accepted an offer that is over {$4000.00} LESS then my payoff amount. I am confident I would have been able to get Statewide  to increase the amount offered as they had not included over {$4000.00} in extra accessories which I have receipts for. 

Now that the your total loss department has prematurely accepted and offer, all negotiations has ceased. 

I am requesting that Santander close out my account in good standing with a {$0.00} balance. 

I can be reached @ XXXX XXXX XXXX I am requesting a response within 24 hours or further action will be taken. 
Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: PA

Complaint narrative:
I had unexpected XXXX XXXX, 2019 and fell behind on payments when I realized that XXXX payments are erratic. I applied for assistance with Midland Mortgage, and after months of back and forth, I was told that I did not make enough. I returned to work in XXXX of 2019, and reached out to XXXX, and was instructed to reapply using my income, which is {$91000.00}, and that I could also include the money that was given to me monthly by my sister. XXXX, which was an additional {$400.00} a month. In was again told by Midland I did not make enough money. I was told I could appeal and use my pension which I did to day.

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 2020-05-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Per the direction of a phone message left by a customer advocacy manager at Wayfair on XX/XX/2020, I am supposed to initiate a dispute directly with Comenity Bank, who in turn, will notify Wayfair. At which point, Wayfair will authorize the change to take place. Please be advised of a dispute as to how the below transactions posted to my account. 

1. ) XXXX {$380.00} should have posted on the 6 month no interest plan. 
2. ) XXXX {$1300.00} should have posited on the 24 month no interest plan ( I did not select the low APR plan ). 
3. ) XXXX {$3.00} finance charge removed, if transactions processed properly, never would have been billed this amount. 

At checkout, I selected the 6 months/24 months plan. Obviously, I understand if not paid in full during this time frame that interest will accrue back to the original payment date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
MY COMPLAINT IS AGAINST USAA : ** BLATANT DISHONESTY!!! See attatched XX/XX/XXXX USAA CREDIT CARD FRAUD CLAIM Claim Date XX/XX/XXXX Amount {$470.00} ****** UNAUTHORIZED*****. USAA has never provided credit for this fraud of XXXX. I SUBMITTED A WORK ORDER TO REVIEW 18 Xs over past two years. See attatched USAA : REVIEW OF YOUR CLAIM IS COMPLETE dated XX/XX/XXXX XXXX NO FRAUDULENT ACTIVITY FOUND AFTER REVIEW OF YOUR CLAIM what?? ****** see attatched USAA XX/XX/XXXX STATEMENT **** NO USAA CREDITS**** MY OPINION USAA ARE CRIMINALS. I AM AN ID THEFT *VICTIM XXXX YR OLD *DISABLED XXXX YR MEMBER *ABUSED BY USAA. ( USAA HAS DESTROYED MY EXCELLENT CREDIT WITH USAA DISHONESTY. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America offered me an auto loan at 2.75 % interest since I am a Preferred Rewards customer. A pre-approval letter was provided after they checked my credit. However the letter stated New Vehicle instead of Used, and they never corrected it. When the first auto deal fell through, and we decided to get a different vehicle from the dealer for a higher amount, the Bank asked for 8 % interest. No explanation was given, and no further phone calls returned. We ended up getting the loan from our credit union instead at 2.74 % interest. This is not the first time we have had issues with Bank of America when it comes to lending. They do a very sloppy job, and don't hold their loan officers accountable for such misconduct.

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 2020-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was banking with Chase Bank. On XX/XX/XXXX, I was got until XX/XX/XXXX. 
when I came back I went to the back to check my balance, I was told my account was closed up because of efficient fund. the fund was taken for services to the last penny. 
I did complain to the bank, but, the respond was I can not get my money back. it was used for services. 
I filled complaint with Texas office of the comptroller of the currency. nothing was don. 
the amount was between XXXX to XXXX dollar. 
and this is the JPMORGAN CHASE BANK who took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I HAVE SENT SEVERAL COPIES OF A CANCELED DEBT FROM XXXX XXXX XXXX XXXX  SENT TO ME FROM THE IRS TO XXXX  CREDIT REPORTING AGENCY. THE COMPANY TELLS ME THEY HAVE NOT RECEIVED ANY OF THE LETTERS OR FAX COPIES I HAVE SENT THEM. THEY REFUSE TO REMOVE ACCOUNT BECAUSE IT'S BEEN INVESTIGATED SO MANY TIMES ALREADY AND REFUSE TO ACCEPT THE LETTER FROM THE IRS THAT IT WAS CANCELLED AND REMOVE FROM MY CREDIT REPORT. THEY WILL NOT SEND ME PROOF THAT I ASKED FOR THAT A REINVESTIGATION HAD BEEN DONE AND ONLY GO ON THE DISPUTES FROM 2018. I HAVE MADE SEVERAL ATTEMPTS THIS WEEK TO GET THROUGH TO THE CREDIT REPORTING AGENCY WITH NO HELP OR ACKNOWLEDGEMENT THEY HAVE AN UPDATE ON A PREVIOUS DISPUTE WITH EVIDENCE IN HAND.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am constantly at odds with my mortgage company about accurately and timely reporting to the credit agencies. My mortgage company is adversely effecting my credit score by not reporting in a time manner. They consistently wait up to 90 days or more to report. I am currently missing entries for the month of XX/XX/XXXX ( no data ), XX/XX/XXXX ( no data ), XX/XX/XXXX ( Incorrect data ), XX/XX/XXXX, and XX/XX/XXXX are missing. I have filed so many disputes with the credit entities about this situation they have stop accepting my disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The following is incorrect personal information. Please remove the following items : Incorrect Address : XXXX XXXX XXXX ( XXXX, XXXX, and Equifax ) Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX Names : XXXX ( XXXX  ) Incorrect Names : XXXX ( XXXX ) XXXX XXXX XXXX  - Open XX/XX/XXXX is showing that XXXX  is Inaccurately reporting late payment on XX/XX/XXXX. 

The following items is the result of error or identity theft. Please remove the following items : XXXX XXXX XXXX  is not my account XXXX XXXX is not my account XXXX  The following are unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation