vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-18 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: LD Holdings Group, LLC
State: FL

Complaint narrative:
I AM FORMALLY DISPUTING AN ERRONEOUS REPORT MADE TO THE CREDIT BUREAUS BY LOANDEPOT ON MORTGAGE ACCT # : XXXX On XX/XX/XXXX I enter a 3 month forbearance program offered by LoanDepot to the Florida residents affected by hurricane Irma. As such, I did not have to make payment for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I contacted LoanDepot to make payment arrangements to bring my account up to date. Along with the assurance of not reporting any negative information to the credit bureaus a loan modification was tentatively offered to me after a 3 month trial period in which I would have to pay the amount of {$1600.00} every month from XX/XX/XXXX to XX/XX/XXXX. 
After making all 3 payment ( XX/XX/XXXX XX/XX/XXXX ), I contacted Loandepot on XX/XX/XXXX to ask why my account was reported 90 days delinquent to the credit bureaus. LoanDepot representative told me that it had been a mistake on their part and that the account shouldnt have been reported late or delinquent. LoanDepot also stated they were going to report back to the credit bureaus to correct the erroneous report. On the same call a payment for the amount of {$4700.00} was made to bring the account to current ; therefore, the previously offered loan modification was not utilize. 
To this day two credit bureaus ( XXXX and XXXX ) are showing my LoanDepot account as 90 days delinquent ; consequently, significantly dropping my credit scores ( in the case of XXXX almost 200 points ) which in turn affects my ability to make significant purchases and investments previously planned. More importantly affecting my XXXX XXXX status. I am a XXXX XXXX and XXXX XXXX XXXX subject to periodic background investigations in which credit history is given serious consideration and attention when determining the ability to maintain a trusted position such as mine.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: GA

Complaint narrative:
THE WELLS FARGO WAS PAID OFF YEARS AGO IN A BANKRUPTCY. THEY HAVE ON MY XXXX AND XXXX REPORTS CLOSED, XXXX BALANCE, AND CHARGE OFF IN REMARKS, THIS IS NOT A CHAREOFF AND THEY REFUSE TO REMOVE THAT REMARK. IT SHOULD BE PAID WITH XXXX 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 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
This account is invalid and is not authorized to report on my credit. Under the Fair credit act I have never had a contract with XXXX XXXX. There is no signed agreement between me and this company,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have recently refinance my mortgage with Bank of America to a loan with XXXX XXXX. What i learned in this process is two things that i believe the banks are taking advantage of the public. These might be limited to BofA as i have only refinanced a loan with bank of America. The below is my findings : 1. I closed my refinance on for example, XX/XX/XXXX and on XX/XX/XXXX agents of both BofA and XXXX met to exchange funds. While during the day my BofA loan was repaid, i still paid a full day of interest to BofA and a full day Interest for my new loan at XXXX. I did not contact anyone regarding this but it does seem unfair that the consumer needs to pay interest to two banks on that date. Maybe i understand this because both banks need to have the funds available during the day but still was unsure if this is fair. Perhaps one of the banks should reimburse the other for the half day of funds use and this burden should not fall on the consumer. While it is only around 40 dollars in my case, across all refinances, this is a large amount of incremental interest earned by the banks. 
2. BofA 's agent received the cash via cashiers check and instead of wiring or depositing the cash overnighted it from XXXX XXXX to their XXXX office for deposit. Thus resulted in me paying an additional day of interest ( an additional day in which i have paid interest to two banks ). What BofA should do is stop charging interest the date that the cash is received by the bank of the banks agents. I contacted the BofA agent and BofA and while they did refund me, i believe this warrants further investigation since if BofA does this for all loans and borrowers are not as observant as me of the period of interest being paid, BofA is collecting additional interest then they should. Perhaps this is just an isolated incident but i am not sure it is. I am a sample size of one.

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 2018-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
My complaint is with XXXX XXXX Credit Card. This is in reference to a balance on my credit card of late fees that are assessed on a late fee balance. In XX/XX/XXXX I made a purchase. This purchase appeared on a XX/XX/XXXX statement with a due date of XX/XX/XXXX. I paid in full on XX/XX/XXXX ; however, this was late and a late charge was assessed. The late charge was paid late and incurred another late charge. I contacted them on XX/XX/XXXX ( copy attached ) regarding this and to no prevail. I requested closure on the account and paid a late charge of {$32.00}. A late charge balance remained of which has incurred another late charge. I have contacted them via phone in XX/XX/XXXX and have not been able to resolve this. 
I confirmed my account status was closed and the balance on the account was a late fee. 
The Customer Care Representative indicated there was nothing he could do and failed to notify that continued late fees will be assessed ongoing. I have not been able to resolve this with the company. I feel that this falls under the Credit Card Act and double jeopardy for charging multiple late fees on a late fee balance. I am asking for assistance with this matter. I am concerned that how can a company continue to assess multiple late fees on their own charges to this account. 
I have attached documents : A. Copy of credit card aggreement relating to fees. This area is not explicit and makes no reference to the ability to assess late fee on their own charges to the account. 
B. Copies of internet interactions with the company C. Copies of statements from XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have several direct student loans and several parent plus student loans. After speaking with Nelnet ( the service provider ) on more than one occasion, I followed their guidance to consolidate my loans. ( XX/XX/2017 ). I now find out that by including one parent loan in the consolidation, I am only able to take advantage of the ICR repayment plan. This repayment plan caps at 20 % of my discretionary income. The other plans ( which I can not take advantage of because this one parent loan was included in the consolidation ), would carat 10 %. I have tried to deal with Nelnet on this issue. Their bad advice is the reason I can not have the lower payment. Nelnet customer service said there is no way to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: LEXISNEXIS
State: OR

Complaint narrative:
Please see attached response from Lexis Nexis. This company has been reporting to STATE LIENS, that belongs to someone else with the same or similar name. I disputed these with them and they did not remove the invalid information from my credit report. This is a total violation of FCRA. This is my last resort before taking it further and having a legal counsel involved. Also Attached to this complaint are copies of my IDs proving that these items do not belong to me or I am not the person they are reporting this lien for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have opted out through the federal program of receiving credit card advertisements and applications. However, I continue to receive them from Capital One. Since opting out I have received two separate applications for a Capital One credit card. My understanding is that there is a sizable fine for each violation of my opt out I would like to pursue them receiving this fine if such a fine exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 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: CA

Complaint narrative:
XXXX XXXX did not correctly enter my check information and subsequently reported me as 30 days late to the credit bureaus. I tried correcting the information, but XXXX XXXX   refused to help me. 

It is unfortunate, but XXXX XXXX Customer Service representatives are in Third World countries and their English is often very poor. Due to that problem, they often they are unable to understand the information given and make mistakes. While XXXX XXXX may be saving money by using offshore representative, I am the one who is paying the price for their errors. Since the Customer Service representative got my check payment information wrong, the payment was subsequently rejected and now my otherwise perfect credit is showing one 30 day late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX did not correctly enter my check information and subsequently reported me as 30 days late to the credit bureaus. I tried correcting the information, but XXXX XXXX   refused to help me. 

It is unfortunate, but XXXX XXXX Customer Service representatives are in Third World countries and their English is often very poor. Due to that problem, they often they are unable to understand the information given and make mistakes. While XXXX XXXX may be saving money by using offshore representative, I am the one who is paying the price for their errors. Since the Customer Service representative got my check payment information wrong, the payment was subsequently rejected and now my otherwise perfect credit is showing one 30 day late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Systematic National Collection, Inc.
State: CA

Complaint narrative:
Debt collector ( XXXX XXXX ) first contacted me about a debt that he said I owed, I told him that I don't owe that debt I paid the person ..He basically dismissed me and said how do want to pay ..i said don't contact me anymore since you aren't willing to prove the debt. He has contacted me, my jobs HR dept, my supervisor has stated that it has become a interruption of work. Communication has made to stop all forms of contact but he continues to contact with mail, phone and employer contact. Once he even stated that he could use me if I didn't pay. Has been verbally aggressive on the phone at one point yelling out " HOW ARE YOU GON NA PAY CREDIT OR CASH, CREDIT OR CASH, CREDIT OR CASH ... .THATS ALL I WANT TO HEAR. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH
State: GA

Complaint narrative:
The bank that originated my mortgage XXXX XXXX was bought by South State Bank and now the loan statement/payment invoice is mailed much later than before. It is not mailed until the XX/XX/XXXX of the month but the payment is due on the XX/XX/XXXX of the month same as before. If the statement arrives on XX/XX/XXXX or later, there isn't much time to mail a payment check to be processed by the due date. Considering there may be holidays or interruptions in mail delivery due to weather, etc. or if I am away from home when the bill arrives, it would seem that this arrangement is a deliberate attempt to force consumers to miss the due date which could have adverse repercussions. Before the buyout, I would generally have the payment notice in hand much earlier each month. Also, South State does NOT provide for online payments for mortgage only customers. I've been told that I must open a checking account with South State in order to make electronic payments and this would still require a two step process to transfer money into the checking account and subsequently make a loan payment from that account. This too seems like an attempt to generate additional fees for servicing the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called Transunion on XX/XX/2017 about being a Victim of Inquiry Issue I spoke with customer service representative XXXX XXXX about these inquiries he was giving me an hard time telling me that I have to write the creditors for an deletions letter for removal when I did not authorization creditors in the 1st place this is not the 1st time Transunion don't won't to do their job! I am asking for them to remove all of my hard inquiries and there are about 60 to 70 hard inquiries on my credit right now ... I need help ASAP PLEASES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: GA

Complaint narrative:
This company under the Fair credit act is not authorize to report on my credit. I do not have a contract nor a agreement with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This company under the Fair credit act is not authorize to report on my credit. I do not have a contract nor a agreement with XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
USAA reported my personal information without my consent, I have told them several times in the past that they were not allowed to share my home address due to the nature of my employment. I recently applied for a mortgage and I told the Loan Officer that she was not allowed to share my personal information or report my home address to the credit bureaus. I just find out that USAA reported my information when I explicitly told that that they were not allowed to share that information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
OnXX/XX/XXXXI received an automated text from my loan servicer, saying that I had missed my payment. I was alarmed because I have my payments on automatic debit from my checking account. My payment comes out on time, every time. So there is no way I would have missed a payment, as the loan servicer, XXXX XXXX, had just taken money out of my account on XX/XX/XXXX 

I immediately called them and asked what was going on. Apparently a representative had entered my account, due to the fact that I'm on the Public Service Forgiveness Program, and messed something up which caused my account to show as being delinquent. I as assured by the customer service rep that this would be fixed and to call back in a week. I called back a week later, and it wasn't fixed. 

Now, I'm getting email alerts that my account is delinquent by 19 days. It's also reflecting on the monthly billing statement and it's showing on the website as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TCF FINANCIAL CORPORATION
State: MI

Complaint narrative:
Dear Sir or Madam My Mom passed XX/XX/XXXX. I was a co signer on a loan for Her. The Estate properly notified for all debtors to collect through the probate court as required by Law. Not once did I receive a notice that the account was delinquent or in jeopardy of prosecution as a co-signer. I received paperwork the month of XX/XX/XXXX two years later which was XX/XX/XXXX.The Estate was long disbursed. I responded to the letter personally thinking that the Holidays would not count in a 21 day response time. XXXX XXXX filed a default judgement and emptied my bank accounts and my childrens bank account to the Tune of {$10000.00}. They have placed a Judgement on credit report for over {$50000.00}. My Moms balance on the loan was roughly {$18000.00}. These are userous interest and fee charges. These are not upstanding business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
CapitalOne is blocking me from linking my account to the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: FL

Complaint narrative:
I have contacted Meridian Financial Services and inform them that this debt is not my debt that this invoice which I received on XX/XX/2018for the very first time needs to be verified with the timeshare company which is XXXX XXXX but they have refused instead they request I call XXXX XXXX there client and inform them that this debt is not mines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I was given this pay card from my employer and I hardly used it because the money I was saving it for college. In checking the account recently I noticed charges on the card I called and disputed the charges the alleged to have credited the money back to my account which should have been {$960.00} from my paychecks when I worked at XXXX  and now from what I'm being told someone was using my card for XXXX  rides and I don't use XXXX  or have a XXXX account and so I did yet another dispute and now different reps are telling me different stories and my social isn't pulling up my account thru the automated system. So at this point I just want my money back and I have been advised by my families attorney to do a document only police report so I will be doing that and I will make sure I hold on to all emails between myself between XXXXNetSpend Account # XXXX  XXXX XXXX  Birthdate XX/XX/XXXXLast four of social XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Westlake Services, LLC
State: MO

Complaint narrative:
Pelican financed my loan, I paid it off and they removed it from my credit report.

Westlake financial added a loan on my report and I never filed documents.

I cant get me title from pelican now

Company response to consumer: Closed with explanation