vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
XXXX banking said that miss payment XXXX I didn't miss any payment I started paying with my s.s.number to Identify when I mad my payment, then I started to use there account number for making payment. XXXX transfer the loan over to Select Portfolio Servicing. At XXXX i was down to XXXX $ on the loan when sps took over they charge me XXXX dollars now owe XXXX. When I make the XXXX ever month i quest interested only but when i do make payment over the phone or the internet .next month the XXXX is higher then the prier month. If I paying what they asking how can the payoff go up interested stay the same. SPS said that i sign some form from them, but I know I didn't sign nothing from them I asked for proof and they said they will send it to me that was i XXXX ago they saying we will send it. they don't have anything because i haven't sign anything from them i refuse to sign.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2018 Lobel financial charged my credit for a auto loan I never inquired or even knew anything about I never made payments and never reached out to the company due to other charges on my credit that I had to make clear to the companies I know nothing of these debt and it had to be someone who has a XXXX Identification like a passport or something which allowing them to make transactions under my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: FL

Complaint narrative:
Hello, I tried to follow the law and started to send letters to the XXXX in order for them to eliminate the accounts and the information that is incorrect on my credit report. They are not answering me and they are not doing anything on my credit report either. 

I just want to be able to find a resolution, and they are just ignoring my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/21, I called Chase customer service requesting a detailed statement of wires that were wired to scammers. I have all the information but I just need a statement from Chase stating my name, date of wire, amount of wire, whom it was wired to, beneficiary bank, and account. But the customer service said that Chase can not provide such a letter. I need this letter to provide to the XXXX XXXX police. It is required in order to freeze the account of the scammer. Please do not send me my bank statement. I already have my bank statement but when I submitted it to XXXX XXXX police, they said it is not enough because the details are what they wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — Store credit 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
XXXX XXXX renewed a XXXX XXXX called XXXX on my Apple Card ( XXXX XXXX ) and I did not authorize them to charge anything on this account. I have never used my Apple Card and never authorized XXXX XXXX to renew anything that I subscribe to via my XXXX. I have called Apple Card ( Goldman Sachs ) three times to file a transaction dispute and reversal of charge ( as fraudulent or unauthorized by me ). My first dispute was in XXXX Dispute number XXXX which they reversed the credit to my card and said they had insufficient evidence. I then became 30-days passed due. I was unaware of their reversal until XXXX. On XX/XX/XXXX I filed a second dispute XXXX which they claim can take up to 2 billing cycles and up to XX/XX/XXXX to resolve. In the meantime, my account appears now as 60 days past due. I had a credit score way into the 800s and now it has dropped to XXXX! I called again today XX/XX/XXXX and requested a escalation for resolution. I refuse to pay for a transaction that I did not authorize and I do not owe them any money. I spoke with a XXXX at Goldman Sachs Agent ID XXXX XXXX and she said she was requesting a escalation for resolution. I have made all my credit payments on my Mortgage, Car Loan, and all other Credit lines 100 % on time. I do not owe Goldman Sachs ( Apple Card ) any money. I want this fraudulent and what appears as a delinquency off my credit report. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: WA

Complaint narrative:
When living in Arizona, I had several accounts with XXXX XXXX. Throughout my relationship with XXXX XXXX, I found XXXX XXXX to be difficult and eventually realized they were deceptive and fraudulent. I received invoices from them long after the accounts were closed ( XXXX, 2018 ), which I paid, trying to end my relationship with XXXX XXXX. Eventually I received a collections notice which I successfully disputed. When I received notices to join in a Class Action Lawsuit against XXXX XXXX  for exactly the tactics that XXXX XXXX had been using against me, I joined. I received XXXX settlement checks for this lawsuit. I am attaching copies of the settlement checks. 

Now I have received yet another collection letter ( attached ) from Afni regarding an alleged debt owed to XXXX XXXX. I do not owe any money to XXXX XXXX. 

Unfortunately, after the initial dispute had been settled for XXXX years, I shredded the documents. 

From research on this issue, it appears that this collection attempt may constitute mail fraud. 

It appears to me that this tactic by XXXX XXXX of trying to collect on non-existent debts is going to continue forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
Bay Area Receivables has failed to provide any and all information I have asked for such as signed contracts or information proving the debts are mine and what they are for. I have sent several letters to po box and street address by regular mail and certified mail but the chose to be silent to my request. I have also ask the 3 bureaus to investigate and they say Bay Area said it was vallate without proof. It is my right to have proof or have it removed and the have been very nasty to me and others. I have been asking for years and the last 90 days I have insisted they show me proof. If they validate this with the bureaus they need a release from me as they are a 3rd party bully. XXXX has 20 account, while XXXX reports 8 as most have been deleted due to misinformation, and XXXX reports 40 accounts and I never got anything on these alleged accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20 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: FL

Complaint narrative:
Hello, I tried to follow the law and started to send letters to the XXXX in order for them to eliminate the accounts and the information that is incorrect on my credit report. They are not answering me and they are not doing anything on my credit report either. 

I just want to be able to find a resolution, and they are just ignoring my letters.

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 2021-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America /Merrill Lynch has received a court order from the probate family court, XXXX XXXX , Massachusetts in my divorce case number ( XXXX ) to transfer, the Amount of {$39000.00}, which was awarded by the court order ( XXXX ) to my account from my ex-wife XXXX XXXX XXXX 401 K account, into my IRA 401K account. 
That money ( XXXX XXXX XXXX XXXX ) is held in Merrill Lynch, Merrill Lynch who, claim that they have received that XXXX court order on XX/XX/2021, Merrill Lynch claim that they have sent that XXXX order to a plan administrator called XXXX XXXX. 
I have called Merrill Lynch so many times, my last call to them was on XX/XX/2021, they are not cooperative and they do not provide me with any exact date to have my awarded judgement to be transferred into my IRA 401K account, they just keep saying it takes 30 days, but the 30 days have passed already ( that judgment was entered on XX/XX/2021 ) On XX/XX/2021 at XXXX XXXX XXXXone of Bank of America / Merrill Lynch 's representative has hanged up on me during a phone call, without any reason or fault on my side. Bank of America XXXX Merrill Lynch have been delaying the execution of the court order ( XXXX ) without any reason, I know of. 
Bank of America had also received a joint motion which was signed by the Judge and also, signed by all parties on my divorce case asking the judge to sign the XXXX  Order. the joint motion should eliminate the 30 days Bank of America claims.

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 2021-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
They call all hours before XXXX after XXXX. Insurance did not pay as they should so paid debt in full both {$740.00} plus {$72.00}. It was paid on XX/XX/XXXX cleared on XX/XX/XXXX. Paid by credit card. I have proof. Called company and disputed with XXXX and 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 2021-09-20 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: TX

Complaint narrative:
I have disputed a collection from XXXX XXXX XXXX a total of XXXX times to Experian Credit Bureau stating this account does not belong to me. My 4th dispute sent via certified mail, Experian received it on XX/XX/XXXX at XXXX. On XX/XX/XXXX at XXXX Experian notified me via email that my dispute was open. On XX/XX/XXXX at XXXX, just a few hours later I received an email stating my dispute results were ready to view. I reviewed my credit and my score dropped even more. XXXX XXXX XXXX reported to Experian the beginning balance was {$8500.00} to {$8300.00} in the month of XXXX as if a payment had been made to them which is absolutely absurd. I have never made a payment to this company nor ever had an account with this company. There is not an inquiry on my credit report to support XXXX XXXX XXXX accusations. I submitted my credit report to show proof from other bureaus that my credit worthiness is outstanding and that there are no collections, {$0.00} balances on every account that I pay in full monthly and never late on my report. This collection has hurt my score tremendously. Experian has failed me as a consumer. There absolutely was no investigation and Experian Credit Bureau never verified this dispute that was submitted over 90 days ago. My dispute letters to Experian are as follows : XX/XX/XXXX... XX/XX/XXXX... XX/XX/XXXX... XX/XX/XXXX. Experian has 30-45 to verify but yet my disputes were closed in less than 30 days. No investigation nor verification by Experian Credit Bureau.

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 2021-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
On XXXX I made a payment of {$190.00}. On the reverse side of the bill it stated that I could make a " principal only '' payment to save money. I followed their instruction and paid {$190.00}, the receipt said my balance was a total of " {$5700.00} ''. When I made my payment the following month ( today XXXX ) the balance went it to XXXX. She stated it was because interest payments need to be made with principal only payments. That was never told to me. Furthermore it doesnt make sence for me to pay my bill, only for it to increase the next month. I feel they do this intentionally to charge more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
Date opened:XXXX Balance : {$800.00} Company : XXXX XXXX Account name : The Bureaus Inc This is false. Not me ( XXXX XXXX ) I was victim of identity theft which I just found out about while opening bank account at XXXX XXXX XXXX  this year 2021. I never applied for a credit card. I was in college ( XXXX university ) and took out student loans through XXXX. Never needed a card and now this is messing up my future and business which isnt fair. I tried to dispute it through XXXX but no word back yet. I need removed so please investigate. Theres got ta be proof its not me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: OH

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 2021-09-20 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: CA

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 2021-09-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit
State: CA

Complaint narrative:
I sent a check to Audi Financial Services to payoff a lease. They received the check on XX/XX/2021 and have not processed the payoff as of XX/XX/2021 and are requiring me to continue to make payments or they will report the account past due on my credit report. I have called 3 times and get the same response, yes, we received your payoff but the payment hasnt been processed so you have to continue to make the lease payments until the payoff is processed. Once the payoff is processed we will send your over payments back to you. I paid off the lease early so I didnt have to make the payments monthy. Now I am out the payoff amount and still making payments for an account I paid off!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I started and signed my RESPA with 5th3rd bank on XXXX I was told for the next three months that my application was good and my file was moving well. I have multiple emails, texts, from XXXX XXXX XXXX number XXXX that the file was working. He called my realtor and told them all was good. He asked me multiple times for more documents which I have email proof I have provided. He then went missing and I was forced to call his manager XXXX XXXX. XXXX XXXX informed me that XXXX never submitted my application and was lying to me throughout the entire process. He then stated he would get me back on track. They asked me for more documents which I provided and then told me we would be closing soon. Then they both disappeared as my closing date came. I asked what the status was and they said they would get back to me immediately that was four weeks ago. This person took my personal information by email told me that not to do it through the secure portal 5th 3rd provides. I am afraid he may have stolen my info and also I am not able to close on my real estate transaction that is closing me roughly {$1200.00} a day in rent loss. Neither will respond so I attempted to reach out to XXXX XXXX XXXX manager with no response. Basically, I have missed my contract, lost money, and have been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
USAA Federal Savings Bank provided a bank check for a car purchase. XXXX XXXX XXXX XXXX dishonored USAA 's check when presented by the seller. Neither bank will tell us what happened or fix the problem. Both the seller and I ( purchaser ) have had hours consumed with fruitless customer service calls and chats.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: AK

Complaint narrative:
Inquiries that are unauthorized and need to be deleted are XXXX XXXX XXXXXXXX ( 2020 ) XXXX  ( 2020 ) Transunion fraud dept customer service was unhelpful and refused to delete the negative inquiries reporting to my credit report.

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 2021-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
The lender advertised a loyalty discount during the process- but doesn't disclose this discount on any of the final disclosures. This makes it impossible to see if it has been factored into the loan. After speaking with the representative - I was told this is included when you choose your loan and doesn't show up in any of your paperwork- but it can be seen on their side. I applied for a loan thinking I was getting another .25 % interest rate reduction and was mislead.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
This company reported two of the same bills which I paid for the bill that was correct. I didn't take two ambulance rides. This is inaccurate and I do not owe anything else. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: NC

Complaint narrative:
wrong information on reports incorrect address name birthdate phone numbers collection that is does not belong to me inquires that i didnt do

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 2021-09-20 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: NC

Complaint narrative:
wrong information on reports incorrect address name birthdate phone numbers collection that is does not belong to me inquires that i didnt do

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