vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-21 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: NY

Complaint narrative:
I forgot to make my min payment on time this month. I think I paid it late at night after the cut off time. Cut off times are ridiculous in this day and age and I don't know why or how these banks are even getting away with it. i wanted to speak with this bank in regard to this late fee and there is no way to contact them online directly in regard to a question specifically on your credit card. Most have a quick contact us button for this. They do not. You are forced to call in and the phone/automatic system is set up to make your life difficult, forcing you to enter all your personal info and then still asking for an account number!! Then, of course, the hold times are terrible as well during this time. 

I am literally carrying a balance for years that I can not pay down. For the entire first half of 2019 we had experienced a severe hardship when my husband got laid off for over two months. I was awaiting SS XXXX for going on two years at the time. We were terribly backed up on all our bills including our mortgage. I did everything I can to meet our minimum monthly payments and not mar our credit and we barely came through unscathed. This of course caused us to accumulate a lot of interest on all our cards. I did close this account due to the frustration of getting hit with a few late fees during this hard time that i was forced to pay of course. Since then I have made a monthly payment on time, for a long time until this month. 

I think the interest is unreasonable and I would like to request that at least one year interest be waived as well as the current late fee, if I could get through to them! Times are hard right now. People are struggling. I made my payment. I'm sure there are many who aren't even able to do that. I don't think it's fair that I have to pay a late fee and I would like to request a credit on some of the interest. maybe I can finally clear up this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I have disputed with Equifax, XXXX  and XXXX  erroneous item on my report. They have not corrected the problem. 

All three are erroneously reporting that my overall debt is {$9000.00}. That is inaccurate. I owe {$4000.00}. 
This grave mistake on reporting agencies makes it look as though my debt is higher than it is and reduces my rating enormously. This is a horrible unfair practice. 
I have been working diligently to get this resolved since XX/XX/2019 both with my personal banker and each reporting agencies without any resolution. 

Now the impact of Covid 19 is escalating the need for excellent customer service into a matter of dire emergency for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
To whom it may concern, WAKEFIELD & ASSOCIATES This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt.

Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX  and XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In moving documents from an office space that I used to occupy to my home office, I found stub to a Wells Fargo cashiers check payable to me from XX/XX/2017. I had accounts at Wells Fargo at the time but never received the check in question. I have now asked a banker at the Wells Fargo XXXX XXXX. XXXX branch, XXXX XXXX, to provide me with information on the amount and disposition of the check now on three occasions. Getting absolutely nothing from Mr. XXXX ( actually telling me that the check stub was only a piece of paper and asked to leave his office ) I solicited the same information from XXXX XXXX at the nearby Wells branch at XXXX and XXXX and have received no feedback from him either.

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 2020-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: GA

Complaint narrative:
In XXXX of 2020, I had four discrete Cash App transactions where funds for the transactions were both debited from my Cash App cash balance and also from my linked checking account # XXXX at XXXX XXXX. Transactions as follows : XX/XX/XXXX XXXX XXXX {$7.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX ATM {$25.00} XX/XX/XXXX XXXX XXXX {$50.00} Total {$180.00} I paid twice ( XXXX +XXXX = XXXX ) the payees received payment once ( XXXX ). leaving Cash App with ( XXXX -XXXX = XXXX ) as surplus  which should be refunded to my Cash App cash balance as I no longer have the linked XXXX XXXX checking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/2020 funds were paid to XXXX  XXXX for {$21.00} on XX/XX/2020 funds were paid to XXXX XXXX   for {$21.00} and on XX/XX/2020 {$59.00} was paid to XXXX I provided documentation to direct express that I canceled these accounts but direct express did not credit my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-21 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 — Their investigation did not fix an error on your report
Company: Allied Account Services, Inc.
State: MA

Complaint narrative:
I do not know this account reporting with balance that they said I owe. I have no affiliation or any participation with them that is why I am trying seek help from you guys to help me resolve this by removing their reported account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center
State: VT

Complaint narrative:
PREMIER STUDENT LOANS CENTER ABOUT TWO YEARS AGO SAID THEY PAID OFF MY LOANS I HAVE NOT HEARD FROM XXXX XXXX  UNTIL THIS MONTH AND THEY SAY I HAVE A PASS DUE PAYMENT WHY HAS THIS HAPPENED AND WHERE DO I GO NEXT ... I PAID FOR THEIR SERVICE TO HAVE THIS TAKEN CARE OF I AM XXXX AND ONLY GET {$900.00} A MONTH NO WAY I CAN AFFORD STUDENT LOAN PAYMENTS MY DR EVEN SENT THEM PAPER WORK TO GET THIS TAKEN CARE OF PLEASE LET ME KNOW WHAT IA NEED TO DO NEXT ... I AM SO CONFUSED

Company response to consumer: Untimely response
Consumer complaint received 2020-03-21 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:
Hello, I have disputed with XXXX, TransUnion and XXXX erroneous item on my report. They have not corrected the problem. 

All three are erroneously reporting that my overall debt is {$9000.00}. That is inaccurate. I owe {$4000.00}. 
This grave mistake on reporting agencies makes it look as though my debt is higher than it is and reduces my rating enormously. This is a horrible unfair practice. 
I have been working diligently to get this resolved since XX/XX/2019 both with my personal banker and each reporting agencies without any resolution. 

Now the impact of Covid 19 is escalating the need for excellent customer service into a matter of dire emergency for me and my family.

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 2020-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC
State: NC

Complaint narrative:
I received this debt collection of XXXX letter for a service I didn't received from XXXX XXXX XXXX company on my rental. I cancel my agreement with this company. When I look at her reviews XXXX XXXX reviews it says I owe them XXXX when I place my comments on there website to inform people of this unfairly business that's doing people wrong I will attach everything. I was soo upset that this debt collector has contacted me about a debt I dont owe, and threatened to ruin my credit. I have not received any notification from XXXX XXXX XXXX about what I owe. Just seen her response on the reviews in over a year ago. Now they and this debt collector tries to reuin my credit it's not fair. I call this debt collection they told me to call XXXX. I did but it did not get settled they are just so wrong for doing this especially without me knowing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc.
State: FL

Complaint narrative:
In XXXX of XXXX had to visit the XXXX XXXX XXXX XXXX XXXX XXXX for a life threatening emergency. 

On XX/XX/XXXX, I receive an alert stating that a new collection account was added to my credit report. After, reviewing my credit file, I noticed that a collection company named PROFESSIONAL FINANCE CO falsely reported incorrect information to my credit file. I never reveived a statement XXXX XXXX XXXX XXXX stating that I had an outstanding balance. My notice of a balance was the alert I received from my credit monitoring service. According to the false information that PROFESSIONAL FINANCE CO entered on to my credit file, the balance owed is {$1600.00} and they are reporting that account was opened XX/XX/XXXX. 

Finally on XX/XX/XXXX at XXXX, a rep from PROFESSIONAL FINANCE CO finally calls me about the account. I asked them to explain to me how is my 1st notice of this possible outstanding balance coming from a collection agency and not XXXX XXXX XXXX XXXX? The only explanation the rep was able to offer was an apology. 

My wife and I have been the market looking for a house since XXXX of XXXX. We had been literally checking and verifying our credit file 6 to 10 times a month. During this time, this illegitimately reported account ( XX/XX/XXXX ) never showed on my report until XX/XX/XXXX. So not only was the collection agency my 1st only notice of this possible debt, they also incorrectly reported that delinquent debt has been on my credit since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I have previously submitted a complaint under XXXX explaining that Medical Data Systems has repeatedly dropped themselves from my credit report only to reinsert themselves within a 30 day window impacting my credit. I have indicated that these are re-aged as they are being reinserted because it is impacting my credit score every time it is reinserted. This year I was able to catch these trade-lines as they were deleted form my report and took the opportunity to inform your agency that I was expecting these to be yet re-inserted again. Well, that is exactly what they have done since my last complaint to you. I have shown you where Medical Data Systems were on my report, removed and now attaching where they have since re-inserted al four trade-ins just as I predicted. By next month, one my scores have loaded to my subscription my score will have dropped. I have already explained that I was expecting them to do this again and they have. They have sent me a written reply expeditiously and closed this case acknowledging removal of four trade-lines names in CFPB complaint # XXXX. They made me aware that they had a fifth   account that apparently was not reporting to the credit bureau and wanted me to know that it will be inserted to the credit bureau. They did not do that. They reinserted the same four tradelines again.I have attached my credit report showing them on there in one month, removed in XXXX and added all over again in XXXX. Someone has to be able to do something about having them blocked form report, They cant keep doing this. It has been repetitive, and they have further argued my claim of repetitive re-aging, they have re-inserted them with the original dates. I need them blocked from being able to report or give these to another one else to report, It goes against Fair Credit Reporting Act. I plan to reintroduce this claim to every agency governing the Fair Credit Reporting Act. 


All four accounts are as named : # XXXX # XXXX # XXXX # XXXX ( the fifth   account names in their letter dated and stated as attached,

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 2020-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
My household income decreased in XX/XX/XXXX. As a result, I fell behind on mortgage payments beginning XX/XX/XXXX. I began working with the XXXX XXXX in XX/XX/XXXX for mediation in efforts to get a loan modification and continue with mortgage payments. All requested paperwork required for the mediation review was submitted to the lender ( Loan Depot ) through the XXXX XXXX  multiple times. Loan Depot would respond requesting updated paperwork after 1 month had passed. XX/XX/XXXX I attended mediation with the XXXX County court leaving with the understanding I would receive a plan from the mortgage company within 30 days. XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX again requesting new pay stubs, new hardship letter, copies of all bills, copies of bank statements, a new uniform borrowers assistance form and another copy of my husbands drivers license. All of these documents have been submitted 3-4 times since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
IN XX/XX/2019, I WAS VICTIM OF FRAUD ON MY BANK OF AMERICA VISA CREDIT CARD FOR USD XXXX. I TALKED TO THE BANK ONCE I HAD NOTICE FOR THIS LARGE AMOUNT OF THE CHARGE AND THEY OPEN AN INVESTIGATION AND COUPLE OF DAYS AFTER THEY FAILLED CLOSING THE CASE SAYING THAT THEY NOT REVERSE THE MONEY BECAUSE WHO DID THE CHARGE HAD THE CHIP AND THE PIN NUMBER OF THE CARD. THAT STATEMENT IS FALSE BECAUSE I NEVER GIVE THE CARD TO ANYONE, AND ALL THE TIME THE CARD HAS BEEN IN MY HANDS.

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 2020-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this report because I was at the XXXX dealership today XX/XX/2020 and when they ran my credit to see if I qualified for the car loan I wanted, I was told that I did not get approved because there are two accounts in negative standing as well as several inquiries. I looked through my credit report and those two accounts as well as the inquires do not belong to me and I did not allow anyone to open them in my name. The accounts are from XXXX XXXX and XXXX. I do not have any written/verbal contracts with those companies nor have I ever opened an account with those companies. I did not benefit anything from those accounts and inquiries that were made in my name without my permission such as money, goods, services or any other benefit nor have I ever made any purchases or payments towards any of those accounts. I have already filed a police report as well as a complaint with the consumer financial protection bureau regarding these unauthorized accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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 am filing this report because I was at the XXXX dealership today XX/XX/2020 and when they ran my credit to see if I qualified for the car loan I wanted, I was told that I did not get approved because there are two accounts in negative standing as well as several inquiries. I looked through my credit report and those two accounts as well as the inquires do not belong to me and I did not allow anyone to open them in my name. The accounts are from XXXX XXXX and XXXX. I do not have any written/verbal contracts with those companies nor have I ever opened an account with those companies. I did not benefit anything from those accounts and inquiries that were made in my name without my permission such as money, goods, services or any other benefit nor have I ever made any purchases or payments towards any of those accounts. I have already filed a police report as well as a complaint with the consumer financial protection bureau regarding these unauthorized accounts and inquiries.

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 2020-03-21 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 am filing this report because I was at the XXXX dealership today XX/XX/2020 and when they ran my credit to see if I qualified for the car loan I wanted, I was told that I did not get approved because there are two accounts in negative standing as well as several inquiries. I looked through my credit report and those two accounts as well as the inquires do not belong to me and I did not allow anyone to open them in my name. The accounts are from XXXX XXXX and XXXX. I do not have any written/verbal contracts with those companies nor have I ever opened an account with those companies. I did not benefit anything from those accounts and inquiries that were made in my name without my permission such as money, goods, services or any other benefit nor have I ever made any purchases or payments towards any of those accounts. I have already filed a police report as well as a complaint with the consumer financial protection bureau regarding these unauthorized accounts and inquiries.

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 2020-03-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
The collection agency Transworld Systems Inc is claiming that I owe a balance from a lease agreement that I never signed. I tried disputing this information with XXXX  with no resolution. I advised XXXX that the signature is fraudulent, and that if they review my license, it will be clear that it is not my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital one has made it almost impossible to dispute transactions. I disputed poor product delivered from a restaurant on XX/XX/2020 from XXXX XXXX and I provided the card company with the information they requested. However, they responded by saying I did not provide them with the information. I received poor service and was overcharged for an amount different from the restaurant menu, but the credit card company is refusing to help me. They make it impossible for customers to get their money back from fraudulent and misrepresented products and services, by making the process very difficult to go through. We can't even initiate this type of dispute on line and once I called them, I had to be on the phone for a long time and then they mailed in paperwork for information and still didn't help me resolve my dispute. Wasting of my time on a XXXX dollar dispute which should be resolved easily, but capital one makes you go through all these hoops that other card companies don't and still don't help resolve the dispute.

Company response to consumer: Closed with monetary relief