vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 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: Mobiloans, LLC
State: NV

Complaint narrative:
On or around XX/XX/2021 I took out a loan with Mobiloans in the amount of {$1800.00}. I was making regular payments until XX/XX/2021 when I made a payment in the amount of {$1700.00}. I had two " fixed finance charges '' still left to pay at this time. On or about XX/XX/2021 I got an alert from XXXX XXXX that my credit score had gone down due to a 30 Day delinquent payment from Mobiloans. On XXXX XXXX I received an email from Mobiloans informing me that I am not 30 days late, I am only 24 days late ( attached hereto ) at the time of the reporting I would have only been 12 days past due, yet they still reported to both XXXX and XXXX that I was 30 Days or more delinquent. It should be noted that you can not make ANY payments on their website if you are more than 1 day late, calling them gets you put on hold for an indefinite amount of time, and emailing them gets you an automated response telling you they believe they have resolved the issue. I have been calling and emailing since Early XXXX trying to get my account figured out and they refuse to communicate and do things like report you to the CB 's. When you do get someone on the phone or by email, they tell you they " can't help you because it's only been x amount of days '' the second time I reached out I was only 9 days past due and they refused to assist me. I can't attach the emails I sent because they are all done through their website and you don't get copies of those. This is not the first time they have screwed up with my account.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself without any help from a Credit Repair Company and this is about addressing the inaccuracies on my Credit Reports. I have a loan with XXXX XXXX XXXX with account number XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and the information provided by this reporting is inaccurate. I am currently struggling because of the situation. As you can see, I have always had a terrific payment record with this company. I tried contacting XXXX, XXXX, and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I just Got a Modification in the mail my payment went up XXXX and my principle has never gone down. My Mortgage Account number is XXXX. My interest has not gone down

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX XXXX consumer natural person and original creditor of an open end credit plan was denied my right of credit by Wells Fargo. I was notified of this transgression specifically 15 USC 1601- The Truth in Lending Act by Well Fargo via USPS mail on XX/XX/2021 after completing my pre-approved online application. I as a natural person was harmed by Wells Fargo 's adverse action taken against me denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) states are up to ( {$5000.00} ) XXXX is now civilly liable to pay me for the damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: UT

Complaint narrative:
I have disputed two accounts with XXXX XXXX XXXX. Please see attached file. The account was closed and paid on XX/XX/XXXX. The statute of limitations on PAYED AS AGREED trade lines is 10 years from the final payment & date closed. On XX/XX/XXXX there was an unauthorized updated which should never have happened to begin with. As a result, the account will continue past the statute of limitations of 10 years. 

I tried to call but the Equifax telephone system is programmed in such a way, that me, the consumer, can not connect with a live person. 

I need all my recent disputes gone over with me by a live person from Equifax so that all the disputes can be addressed. No one has the right to do an update or change a status date to keep information in my credit profile longer than allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
I sent a letter on XXXX to Mid-South Adjustments specifically asking for verifiable proof ( an original contract with my signature on it ) They were unable to provide it but I was sent a letter asking for me to send in my Drivers License so they can match the signature. I called Mid- South and talked to Mrs XXXX on XXXX. I asked Mrs XXXX if she could send me the the contract with my signature on it and she told me no that they are unable to send the original contract but insisted that I needed to send my drivers License instead. How is it that Im supposedly to be the one that owe the debt but being told basically send my Drivers License so they can match the signature. Mid-South is unable to validate the account. Why must I send in additional information? When they are the ones reporting it. I also have in an attachment the letter they sent me saying to send my Drivers License. If they want me to move that I'm me. my question is how can you say someone owe debt if thats the case. Mid -South should be able to validate without my assistants. Please validate with ORIGINAL CONTRACT with MY SIGNATURE. Also attached is my Original Letter as well asking for validation that I sent MId South.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
This loan was deemed fraudulent it was taken out with my father who had XXXX at the time there was six loans taking out within less than six months within the back bank it was claimed to be fraudulent and everything was OK going along then my father passed away the house was given to me and now the loan was sold to another loan company and now theyre for closing on the house I really do need some help and I do have paperwork I need to talk to somebody I feel like I am being taken advantage of just like my father this house was bought in 1980 and my family live in it my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX my email is XXXX Telephone number is XXXX I can Explain mychbetter but Im just getting over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: MS

Complaint narrative:
I declare that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to file this dispute. The items found within my credit report that I listed on the following pages are not related lo any transaction that I made, I am alleging that a person or company without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the Federal Trade Commission which I have attached to this letter. In addition, I have also corresponded with the agencies and creditors listed. The respective agencies have been very cooperative with me and have guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items I'm requesting you do so for. I want to make it clear that I am not making this request in error I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau of Carbon County
State: CO

Complaint narrative:
I had a credit card with XXXX XXXX XXXX It ended up in collections. I was not able to pay the debt at the time. I was served with court papers through the mail regarding this debt. 
The Court Date was set for XX/XX/2021 I was not able to make it. I found out XX/XX/2021 that my bank account was being garnished for the amount of the Judgement which was {$740.00}. in the court writ of garnishment. 
1- Original amount of judgement entered on XX/XX/2021 for original amount of {$620.00} 2- Plus Any interest due on judgement ( currently 8 % per annum ) in the amount of {$9.00} 3- taxable costs ( including estimated costs of service of the Writ ) in the amount of {$100.00} 4- Less any amount paid or adjustments in the amount of {$0.00} 5- Principal balance/Total amount Due and Owing in the total balance of {$740.00} The Canvas Credit Union released the money to the collection agency XX/XX/2021 in the amount of {$740.00} As of today XX/XX/2021 they HAVE NOT reported it to the Credit Bureau I called them to ask why this debt has not been reported paid and they told me that it wasn't paid there was still a balance of {$11.00} in interest that was accrued. when asked why there was still a balance of {$11.00} in interest when the Credit union released the money XX/XX/XXXX, XXXXthe could not tell me why. 

I spoke to the and she couldn't tell me there was interest accrued that I had to pay the amount of {$11.00} for the debt to be settled. 

I asked why I was not called or informed of this extra amount. They could not tell me. 

I have the Court Document And I should not have to pay anything more than what was in that court document. 

I paid the amount but do not believe I owed them any more that the {$740.00} on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX XXXX XXXX Bank contacted my wife and I via a letter stating that our home we closed on XX/XX/XXXX required a flood insurance policy that was either cancelled, expired, or was unacceptable as of the afformentioned close date. Additionally, the letter stated that if the bank did not receive replacement or renewal flood coverage within 45 days of this notice, they will charge us {$2600.00} annually for insurance that they will buy. We then called the bank to discuss this, and they claimed that FEMA 's map changed on 11/6/2021 and that we were now in a new flood zone. When we called FEMA, they stated that their map had not been updated since XXXX and we were not in a flood zone, which we also confirmed via an online search. Attached is a screenshot of FEMA 's website showing we are not in a flood zone. 

Our complaint is the following : 1. The bank stated in a letter that we should have had flood insurance as of XX/XX/XXXX, the date we closed on the house, but then contradicted themselves on the phone and stated that we were recently included in a flood zone on XX/XX/XXXX. Which one is it, and why do they not have more specific letters for zone changes? 

2. If we were in a new zone as the bank claimed, they should have provided a letter stating that fact, along with some sort of proof that the zone had changed instead of a false letter stating that we were non-compliant as of our closing date. If we were non-compliant when we closed, how did they let us close? 

3. When asking to speak to a manager or supervisor, we were told there was no one else to talk to. Why is the burden of proof on the consumer to dispute an upcoming forced {$2600.00} charge, and not on the institution?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NV

Complaint narrative:
We refinanced our home in XX/XX/XXXX. BSI Financial was assigned to service the loan. The first property tax they were responsible for paying was due XX/XX/XXXX, in the amount of. They failed to pay the tax and I had to call them twice. The bill was finally paid on XX/XX/XXXX. BSI did cover the delinquent penalty of {$56.00}. XXXX did pay the next quarterly installment of {$1400.00} due on XX/XX/XXXX, posted by the County on XX/XX/XXXX. The next quarterly installment, {$1300.00}, was due XX/XX/XXXX, and deducted from our escrow account on XX/XX/XXXX. The County never received the payment. I called BSI on XX/XX/XXXX, was told they mailed the check on XX/XX/XXXX and they would look into it. I checked the County website again on XX/XX/XXXX, the taxes had still not been received. I called BSI again after I checked the County website and spoke to XXXX, who put me on hold to go talk with someone in the Escrow Div. She told me they were aware the County did not receive the payment and that a check would be expedited. I kept checking the County website, no payment received. Waited two weeks, called BSI, XXXX on XX/XX/XXXX. She put me on hold and pretty much lied to me that they just became aware of the problem. Today XX/XX/XXXX, no payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On or around XX/XX/2021 I took out a loan with XXXX in the amount of {$1800.00}. I was making regular payments until XX/XX/2021 when I made a payment in the amount of {$1700.00}. I had two " fixed finance charges '' still left to pay at this time. On or about XX/XX/2021 I got an alert from XXXX XXXX that my credit score had gone down due to a 30 Day delinquent payment from XXXX. On XXXX XXXX I received an email from Mobiloans informing me that I am not 30 days late, I am only 24 days late ( attached hereto ) at the time of the reporting I would have only been 12 days past due, yet they still reported to both Transunion and XXXX that I was 30 Days or more delinquent. It should be noted that you can not make ANY payments on their website if you are more than 1 day late, calling them gets you put on hold for an indefinite amount of time, and emailing them gets you an automated response telling you they believe they have resolved the issue. I have been calling and emailing since Early XXXX trying to get my account figured out and they refuse to communicate and do things like report you to the CB 's. When you do get someone on the phone or by email, they tell you they " can't help you because it's only been x amount of days '' the second time I reached out I was only 9 days past due and they refused to assist me. I can't attach the emails I sent because they are all done through their website and you don't get copies of those. This is not the first time they have screwed up with my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
I pulled my credit report and discovered these accounts as collections on my credit report. I sent a written dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information to validate the debt, you are by law required to delete all entries off my credit report ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
While in the process of purchasing an airline ticket on XXXX XXXX, an offer from Citibank appeared stating that I could apply instantly for a AA Rewards card with a {$250.00} credit and 40,000 rewards miles. It stated, " Don't worry, you will be able to continue your ticket purchase using the new card. '' In reality, a week went by before I was phoned and given approval and told that I could not use the card until I received it by mail in two weeks. I contacted customer service and asked if they could a ) provide the number and expiration date so I could use the card b ) allow me to temporarily purchase the ticket with my other Citibank card and then switch the payment or c ) expedite my receiving the card by sending it overnight. I was advised that no one knows my card number or can convey it to me, and no expedited mailing is possible. The ticket I planned to purchase will increase in price if I wait two weeks to buy it. Citibank offered no resolution after I suggested the solutions I would have accepted as a resolution to this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Sequoia Financial Services
State: CA

Complaint narrative:
I have been trying to open a bank account and have been un able to do so due to my credit report in were I have documentation showing that I am been billed and in were my credit is being effected due to 3 bills from the XXXX XXXX XXXX since XXXX and this is not my debt what so ever and I am requesting to please remove this from my credit file the name of this collector is Sequoia Financial Services it is located in XXXX XXXX, CA and I have already made 3 attempts to get this removed and was not successful due to the very rude collectors that said that they had to be paid in full I tried explaining that these debts were not mine and that they had been effecting my credit since XXXX and that this was a act of illegal and unfair credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf and it was determined that the credit furnisher was verified. These reports are misleading and suspicious. Below are the federal law violations that these companies are committing. If this doesn't get resolved I will seek litigation and charge {$1000.00} per violation. 

However, All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
Tried to cancel membership due to the fact that I have no products with the company. All I wanted was a quote and they are saying I have a " lifetime '' membership! Can't cancel my information from their system. Tried multiple times and get put on hold for hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation