vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I purchased a vehicle on XX/XX/XXXX, the loan amount was {$31000.00} I made what should've been a principal payment on XX/XX/XXXX any amount of {$4500.00}. Wells Fargo split this payments into {$1400.00} went to web direct payments paying the next three payments out till XX/XX/XXXX. They apply the additional {$3000.00} the principal. On XX/XX/XXXX I made a principal only payment of {$4900.00}. On XX/XX/XXXX I made an additional principal payment of {$4900.00} on XX/XX/XXXX I made a principal payment of {$4900.00} XX/XX/XXXX I made a principal payment of {$4900.00} on XX/XX/XXXX I made a principal payment of {$4900.00}. On XX/XX/XXXX I made a principal payment of {$1700.00} leaving a balance of {$140.00} at this time when I clicked on pay off this loan it gave me a payoff amount of {$150.00} I contacted Wells Fargo by phone to ask that the three payments that were taken on XX/XX/XXXX be reversed and added as principal only as they should. After two more conversations on the phone with Wells Fargo they finally managed to do that on XX/XX/XXXX. On XX/XX/XXXX it finally showed the new balance of {$81.00} however it still shows a payoff balance of {$150.00} I went to a local branch at Wells Fargo and spoke with XXXX XXXX. He could not help. I contacted Wells Fargo by phone one more time and they maintain that payoff amount is correct at {$150.00}, it appears to me to be an error that when my payoff amount on XX/XX/XXXX was {$150.00} with the balance of XXXX  {$140.00}. That on XX/XX/XXXX with a balance of {$81.00} my payoff amount is still XXXX {$150.00}, this can not be correct something in the system is missing something. It should be noted that on XX/XX/XXXX to correct the {$1400.00} that went to future payments they reversed all of the payments and then reapplied the payments all on XX/XX/XXXX I have made every earnest effort to resolve this with Wells Fargo, it appears no one there either in person nor on phone is capable of critical thinking.

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 2021-10-01 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
The " law '' office called my job and my mom and me, and said that I was being sued for debt. I have never taken a loan out with this company. I told her that and she hung up on me. My HR manager at my job has gotten numerous calls from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The credit monitoring companies are soliciting services for modifying their own ways in a method that seems conflicting to ethical antics. They collect and share information about your credit and will change their ways if you pay them money to do a better job protecting that information. This would be like the mafia threatening to affect your business back in the day and then at the same time turning around and offering a service to protect you from the same attack.

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 2021-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Control, LLC
State: AZ

Complaint narrative:
I received a letter today from Credit Control , LLC threatening me if I do not notify them in writing within 30 days to dispute this debit they will assume the debit is valid and they will proceed with a judgement against me and take legal action against me for the disputed amount owed. I do not recognize this debit or is Beyond the Statue of Limitations. I have sent them a formal letter of dispute & to cease all contact with me in regards too. This disputed debit does not appear on any of my credit reports as being in a collection status.

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 2021-10-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I became a member of Experian in XX/XX/2020. I was planning on selling my house, relocating and purchasing a new house. My credit was excellent but I decided to try the Experian XXXX product to see if it improved even more. It did improved but very little - maybe 8 pts. I sold my house and moved. As such, I had to change all of my bill payment vendors. Since these all changed on XXXX, Experian will not count the new vendors until I have 3 months worth of payments. In the meantime, Experian reduced my credit score by 19 points! The reduction is for no reason other than a change in location/vendors. This is going to cost me money when I go to apply for a mortgage. This credit score reduction is a total flaw in their product. It has absolutely nothing to do with my credit worthiness or history. I have tried to contact Experian to resolve the issue and they just told me that I have to wait 3 months until the new payments are accepted. This is totally NOT FAIR and is going to cost me money in higher rates and other financial offerings.

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 2021-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One placed a restriction on my credit card because I made a {$300.00} payment on XX/XX/2021 for a balance of {$370.00} ( the balance increased to {$380.00} overnight on XX/XX/2021 ), they want to verify that I am the primary account holder on my checking account with XXXX XXXX XXXX XXXX XXXX, I am the only account holder on my checking account. Capital One decided to flag my account because I have been paying off the balance entirely since I received a payment of Life Insurance money after my mother died. I am trying to boost my credit by using my credit card instead of my debit card. The Capital One Representative called my bank and asked me to enter my identifying information so that they could speak with a representative of XXXX which I do believe is not legal, also my bank will not speak to me if there is a 3rd party on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Made a car payment by phone to XXXX XXXX XXXX XXXX ( XXXX ) before the account was late ; however, XXXX posted the payment past the due date and reported my account to the Credit Bureau as a late payment. XXXX XXXX even made the payment to XXXX  official before the account became " late '' ( see attachement ).

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 2021-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Made a car payment by phone to Mercedes Benz Financial Services ( MBFS ) before the account was late ; however, MBFS posted the payment past the due date and reported my account to the Credit Bureau as a late payment. XXXX XXXX even made the payment to MBFS official before the account became " late '' ( see attachement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I received an email from CACH , LLC on XX/XX/2021 that stated as follows : Dear XXXX XXXX, The above referenced account has been placed in our office for collection. In order to assist you in resolving this debt, we can offer the following options : You may resolve your account for {$2600.00}. To accept, make your payment by XX/XX/2021. 

I made a payment on XX/XX/2021 in the amount of {$2600.00} to XXXX XXXX XXXX who was operating on behalf of CACH , LLC. I was told that this matter was closed and would be removed from my credit report within 30 days. After 30 days it was still on my report. 

I contacted XXXX XXXX XXXX  on XX/XX/2021 to complain that I had not received a receipt for my transaction and this matter was still on my credit report. They in turn assured me that this would come off soon and sent me a letter stating that my debt has been settled in full and my balance owed to CACH , LLC was {$0.00}. 

Today, XX/XX/2021, I received an email from another collection agency requesting a payment of {$5700.00} and offering a settlement option on behalf of CACH , LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I opened a secured credit card with Navy Federal Credit Union. I also had direct deposit going into my checking account that was to be used for automatic payments. At some point in 2019 I became ill and was hospitalized with a XXXX XXXX with complications. I thought that because the account was secured and that automatic payment was set up, the account was fine. The account balance was payed with my secured balance but what was left which consisted of only bank fees, is being reported to credit bureaus as delinquent. I called the company and asked why they didnt take the fees automatically with my auto pay? They said because it was over limit the automatic pay was cancelled and direct payment was required. Mind you at the time I had {$500.00} in my account and the fees were only {$50.00} and change. Furthermore I was hospitalized and didnt even know the delinquency had occurred. I contacted the company on three different occasions to explain the situation but they refuse to resolve the matter. I would like to have this matter settled fairly and have the delinquency removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited a check into my bank of America account the next day the funds appeared in my account. I called bank of america and was told the check was good. I proceeded to purchase the equipment through a vender. as soom as those purchases went through bank of america told me that check was bad after they told me it was good and explained that due to my excellent record with the bank they rushed the check into my account. Bank of America caused this situation.

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 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I had a Simple.com account. BBVA USA bought Simple and transferred everything over, which was a nightmare ( and a different story ). Now, PNC has bought BBVA, so I went from having a Simple account with customer services reps in the US who were friendly and helpful... to BBVA and now PNC reps in XXXX who are rude and refuse to help me close out my account. My account was transferred without any agreement from me on services and fees. I have now been charged an " overdraft fee '' when I haven't even used the account since the transfer. The account is {$23.00} negative after a {$32.00} fee- if you do the math you'll see that my account wasn't actually negative until their fee. They now refuse to close my account and even hang up on me when I ask for a supervisor. This is the worst banking experience of my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The credit monitoring companies are soliciting services for modifying their own ways in a method that seems conflicting to ethical antics. They collect and share information about your credit and will change their ways if you pay them money to do a better job protecting that information. This would be like the mafia threatening to affect your business back in the day and then at the same time turning around and offering a service to protect you from the same attack.

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 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The credit monitoring companies are soliciting services for modifying their own ways in a method that seems conflicting to ethical antics. They collect and share information about your credit and will change their ways if you pay them money to do a better job protecting that information. This would be like the mafia threatening to affect your business back in the day and then at the same time turning around and offering a service to protect you from the same attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of Americas app remains down for most of the day on Friday, XX/XX/XXXX, leaving customers unable to access their funds. I am unable to transfer my own money between accounts, make online payments or view my balance. Its unacceptable!

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 2021-10-01 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: FL

Complaint narrative:
I don't recognize any of these accounts, i believe, that someone used my personal information to apply for these.

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 2021-10-01 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: FL

Complaint narrative:
I don't recognize any of these accounts, i believe, that someone used my personal information to apply for these.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
A friend of mine wrongly sent me {$880.00} on Venmo ( intended for a different 'XXXX  ' ). Unknown to my friend, I'm unable to access my account due to restrictions Venmo has placed on it due to it being in a collections ' status over a disputed account deficit. 

As a result, my friend is " out '' {$880.00} and Venmo will not comply with our requests to reverse the transaction. ( reference Venmo customer support case # XXXX ) My claim/complaint : Venmo has no right to leave my account to appear " open and active '' while restricting my control over how my personal information is presented to the public and/or prior Venmo network/relationships/friends. 

This is their way of " collecting '' funds, but their method is a violation of both my rights as a consumer and private individual. 

It is essentially " theft by deception '' and illegal seizure of assets through false representation. If they wish to collect on an account deficit, they can do so adhering to the laws of the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I spoke with the HUD approved counselor 4 days ago regarding my Mortgage issues with Mr. Cooper, they called XXXX XXXX in Mr. Cooper and she said I need to get back to Mr. Cooper by XX/XX/2021 that how I want to proceed regarding my Mortgage payment, that whether I would like to go for a Modification or a payment deferral. 

So i was just trying to figure out what to do regarding my Mortgage and today I saw Mr. Cooper website and it states that I am 60 days late on my payment, when my Forebearance just ended on XX/XX/2021. ( Please see the exhibit attached ) I am also waiting for CA Mortgage relief plan which has been submitted by XXXX to US treasury and waiting it to get approved, I think Mr. Cooper is just trying to foreclose on my property and take my home away with equity. 

There is no transparency and no communication what so ever, I am very worried and in stress about my future with Mr. Cooper

Company response to consumer: Closed with explanation