vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
FMS Financial Solutions keeps running my credit without permissible purpose. The company keeps pulling my credit without my permission. This has been happening since XXXX. The most recent inquiry took place XXXX, XX/XX/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 2021-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: MN

Complaint narrative:
I have a personal loan with Prosper. They recently sent me a marketing mailing on a glossy card with no envelope. The card, readable to anyone, contained my name, address, the fact that I currently have a loan with them, and the payment history of the loan. I did not consent to them publicizing the fact that I have a loan or the status of my loan.

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 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NJ

Complaint narrative:
I began the process of refinancing my home with Cardinal Financial on XX/XX/2021. My wife and I quickly submitted all are required documents and were given the closing date of XX/XX/XXXX. Since then our closing date has been pushed back 8 times. ( Last closing date was supposed to be on XX/XX/XXXX. ) My credit score has been checked 10 times. My wife 's employer has had to confirm her employment numerous times. My employer has received nearly bi weekly calls for three months. I have been on hold with Cardinal Financial customer service no less then four times. ( The wait time is supposedly 10 minutes but I have never spoke to anyone in customer service even after waiting on hold for 30 minutes. ) My loan officer XXXX XXXX does not respond to emails but will occasionally respond to a text message. Her boss XXXX XXXX has not resolved the issue either. Cardinal Financial has hurt my credit score, my wife 's credit score, wasted my time, harassed our employers and have tried their best to unreachable and un responsive. They have set and missed their own deadlines for the past 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OK

Complaint narrative:
Last year in XXXX, my home insurance went up, which changed my payment. I called my insurance company and they did a discount. However, due to Covid, I was not able to get through to the bank. When I did ( in XX/XX/2020 ) I spoke to a lady named XXXX, who was the very very very rude. I paid my principle and interest every month until we could get the insurance problem resolved. I emailed and faxed letters and letters. FINALLY, we fixed the problem, however, my credit score still shows late payment. I kindly asked Fith-Third Bank to remove my escrow. They said after 5 months of on time payments they would. They never did and screwed up again on my escrow and now they are saying I am late again. This is ruining my credit. I am paying them my principle and interest. Now, they want to say I am late on PREPAID INSURANCE, that I requested to be taken off my account ... ... ... I have had a home for over 20 years and this is the first time I have ever been late or had a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In 2018 I bought a engine, I tried it at the place the item did not work, the owner told me He will check for another one which he could not find a good one ; I left the item, the same week I tried to fix the problem with Bank of America, they fixed the problem I got the refund and later on the charged me the same amount on the purchase {$960.00}. Since then I have to pay for a item I did not take or use. This year I find out about XXXX  I disputed it but the Problem still exist the could not fix the problem. Now I found the receipt I would like to use the evidence. It not fair to pay for something I did not take or use.

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 2021-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX I received an email from Discover. The email was requesting that I complete IRS Form XXXX XXXX XXXX. I first thought why & under what authority does Discover have to request my tax returns. I called Discover Credit Card & spoke to a Discover Representative & shared my concern. She advised me to ignore it because it was a scam, but I felt that she was not taking the matter seriously, so I asked to bespeak to the FRAUD DEPARTMENT. The Fraud Dept. Rep. advised me that Discover is demanding that I complete IRS Form so they can verify mt identity and taxes. I asked the Representative under what authority? I was told in a patronizing & sarcastic tone " IN THE CREDIT AGREEMENT '' I looked at the agreement & couldn't locate the wording. I asked the Rep.To please guide me to where on the agreement it states that Discover can at any time ask for my tax returns. The Rep.stated, " I don't know where it is ''. I asked to speak to a Supervisor and was told that a Supervisor was not available & if I don't comply my credit cards will be permanently closed. I had one Discover Card & since day one I have an EXCELLENT payment history.i had the card from XX/XX/XXXX until XXXX. I refuse Discover to have access to my Tax Returns. Allowing Discover access to my confidential IRS data is insane. They already have access to my entire credit reports from the credit bureaus & the authority to share all my private information with their business partners & affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: CCS Financial Services, Inc.
State: UT

Complaint narrative:
Credit Collection Services is reporting a couple accounts on my credit that need to be removed. I have settled the account and ask that you please remove these accounts rom my credit file. As granted by the FDCPA, I have the right to dispute this account. I am aware that your company has the ability to report this account to the credit bureaus as you deem necessary. Furthermore, you have the ability to remove any account since you are the original furnisher. I have settled this debt with you and am no asking for you to provide a letter to the bureaus stating this account should be removed from my credit file. If i do not receive a response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce this removal, including but not limited to institution of legal proceeding against you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: OH

Complaint narrative:
I disputed in XXXX one account that are not mine and another that I was never late on. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
Hello, I am reaching out in regards to a " negligent charge '' on my Toyota Financial Account. When I went in to lease a XXXX XXXX XXXX, they had me sign a legal document stating what my payments would be for the 3 year lease. I guess over the course of that time, they raised the tax amount by {$2.00} and did not inform either by email, phone or text of these changes. I was set up on auto pay for the whole duration of this increase, and they never even reached out to me. It was only after 12 months of negligent payments ( which my actual payments were always on time and NEVER late ) that I had an extra charge of ~ {$25.00} dollars and my score dropped by 100 points. Up until then, I was working on my credit score because of past financial issues. I have been paying on time for almost all my bills for about 3 years, so seeing my score drop once again due to XXXX dollars was quite the devastating blow for me. 
I tried to reach out the Toyota because this is directly their fault. They said they would be able to get it all cleared up for me since they realized it was, in fact, their fault. When I checked back with them, they deemed it a fair charge, even though it did not match the actual numbers given to me on a legal-binding contract. Now I am reaching out to you all, because I am honestly trying to buy a home. My credit score is so vital for that, and with my score dropping from XXXX to XXXX, I need to get this cleared up. 

Thank you so much for listening, I really hope we can get this figured out. As I said, I really am trying my hardest to have the best credit score possible. If you need any more information at all, please feel free to reach out to me whenever. 

Thank you again, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In the Fall of XXXX and again XXXX of XXXX I called Navient to see how I could reduce my loan payments, Instead of telling me about income based repayments they steered me into a forbearance which, when it was over, caused accrued interest to be capitalized into my principal. Additionally they mis-attributed the time of the XXXX forbearance to dates when I was working full-time for a non-profit and paying my student loans back -- these payments and all payments made before I knew about IBR were rejected for the temporary relief program. They also never told me that I needed to be in an incomebased repayment program to qualify for PSLF so three years of work at low pay is down the drain in terms of PSFL.I have transfered my loans to a different servicer but all the information that came with them is from SallieMae and Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX has contacted me about having to collect a debt with the amount of {$1100.00} ( I think thats how much ) from PayPal. They said that I stopped using the PayPal account since XXXX - XXXX of 2020 and the purchaser never collected the debt. HOWEVER, I never arranged or bought anything on PayPal nor do I know how to do that. I havent accessed my account since I discovered not to long ago that it was an act of FRAUD. Whoever has purchase the funds to the debt has either hacked my account or has been impersonating me into the negotiations of the debt that I am getting ACCUSED FOR. Either or I have never authorized a purchase with any consumers of the PayPal industry. Please contact me furthermore about the standing investigation of this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received an email notification that my account had reached XXXX balance. I went to a branch and made a cash deposit, and told the cashier it needed to post on the same day. Wells Fargo didn't post it until the next day. 

In my online banking, the next day, the screen I could see, showed a positive balance and no fees. All this was, IIRC, XXXX. Now on XX/XX/XXXX, I'm being charged a {$35.00} fee, for a {$26.00} item I covered the same day. 

They are either keeping me in the dark, or are illegally backdating things to generate fees. 

I've been with the bank since 1976 and had a 10 year career in financial services, which included some compliance background. 

IMHO, this stinks and it's insulting that they are offering " as a courtesy '' to refund XXXX of the fee. It has been escalated, but will take days and I have no idea if I will be in a place where I can discuss it, if and when somebody calls back.

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 2021-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One has fraudulently reported my deceased mother 's credit card information to the credit reporting agencies as my unpaid debt. My mother passed away in XX/XX/2020. I had her mail forwarded to my house, however, I never received any statements from Capital One that she had an account or that an amount was due on a Capital One account. I had my credit rating pulled by a mortgage lender in association with purchasing a house, and I found a debt on my credit report from an unknown Capital One card. When I inquired about the card I found out that Capital One had fraudulently reported my mom 's debt on my credit. It adversely affected my credit because at that point the account was seriously delinquent ( 7 months had gone by since my mother passed away ). Capital One admitted that the card should not have been reported on my credit, and amount was so small they closed the account, but Capital One said that it would take 1-2 billing cycles for the credit agencies to be notified of Capital One 's fraudulent actions. At that time I asked for a letter from Capital One that this issue was resolved, but the representative refused to do anything more that issue the correction to the credit reporting agencies. 
I asked around and found out I was entitled to a zero balance letter, which would verify that this matter was resolved. When I called Capital One back to ask for a XXXX  balance letter that initially told me they could not send me one. They only agreed to send me one at all when I threatened a complaint to CFPB. Once they agreed to send me a XXXX balance letter, they told me that they could only fax a letter to me XXXX I do not have a fax machine - who does anymore?! ), they would not email me a letter, and that the quickest I could get a letter would be 15 business days. 

I am trying to close on a mortgage to buy a house, and I need this letter to verify to the mortgage lender that this matter has been resolved. I feel that Capital One fraudulently reported my mom 's credit on my credit report to harass me to pay her debt, and that they feel no sense of urgency to correct their fraudulent actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Grievance Complaints : Internal Fraud Schemes for Unsubstantiated Maintenance Fees {$8.00}. XXXX  XXXX XXXX XXXX  who informed I have 6 FREE Transfers from Savings Account per month. Tactics to tranfer you to a different Department to not be held Accountable for Fraudulent Maintenance Fee. RICO Racketeering Corruption and XXXX Schemes. 

2. I asked how many times I Transferred in XX/XX/2021? XXXX " Only 1 time. " I asked HOW many times in XX/XX/2021? XXXX replied, " 4 times. '' Then I asked, WHY was I charged a Services Fee on {$8.00} on XX/XX/XXXX? She said, " You must maintain a certain Balance in Savings Account to not be charged. '' I informed I only used 4 out of 6 Free Transferred, so why was I wrongful charged {$8.00} Maintenance FeeWhat does my Balance has to be She looked but could not find nor provide an answer. Then she told me she needed to speak to a different Department please hold. This went on about 10 to 15 minutes. She finally returned to tell me she still has no answer and that the systems are down. Then she told me she would have to Transfer me to a nother Department. I asked What Department is that? She said, Credit Card. I asked Why when it's my Savings Account XXXX said it ALL THE SAME, your Debit Card with Master Card is the same as Credit Card with Master Card. I had no choice but to let her tranfer me to CCD. I asked XXXX did she send Notice WHY I was being Transferred to her CC Department so that I would not have to re-explain everything we discussed? XXXX said Yes and then made Transfer to Credit Card Department. 
2. Transfer to CCD SW XXXXfr XXXX who answered and Asked What I can Help you with since I am waiting for your information to come up. I told her. Then she told me I know you were transferred to me ; but I have to TF to Deposit Department. 
3. Deposit Holding Department automotive could not Service and disconnected me.

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 2021-05-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
WELLS FARGO ACQUIRED BY MORTGAGE FROM XXXX XXXX ( XXXX XXXX / XXXX XXXX ) MORTGAGE START XXXX SELECT HISTORY : 1 ) AS THE WHOLE WORLD KNOWS WELLS FARGO FALSIFIED A SCAM ' OF MILLIONS OF ACCOUNTS THAT DID NOT EXIST. FINE NO IMPRISONMENT. 
2 ) ON OR ABOUT XXXX WELLS FARGO AFTER PRESSURE FROMMAYOR XXXX PUT ON A REAL ESTATE PROGRAM @ THE FORMER XXXX XXXX XXXX XXXX. A MR. XXXX TOLD ME I WAS APPROVED FOR A PRE-APPROVED LETTER. HE THEN DISAPPEARED. WELLS FARGO SHUTTLE MY EFFORTS TO GO FORWARD 3 ) WELLS FARGO IN XXXX IVITED ME TO A REAL ESTATE PROGRAM & TOP EXECUTIVES TOLD ME I WAS APPROVED FOR THE SAME & THAT THEY WOULD GET APPROVED TO APPROVE A CONDO SALE @ XXXX XXXX XXXX  THEY FAILED CLOSING DATES & I LOST MY EARNEST MONEY THEY LATER SAID THEY COULD NOT GET APPROVED OF THE CONDO UNDER XXXX XXXX. 
4 ) PRIOR TO SWITCHING TO XXXX WELLS FARGO SAID THEY COULD APPROVE & CLOSE WHERE I RESIDE NOW. THEY FAILED XXXX STEPPED IN & CLOSED. 
5 ) WELLS FARGO AFTER BUYING MY MORTGAGE NOTIFIED OF DEFICIENCIES & INCREASED BY MORTGAGE OVER {$60.00} A MONTH. 
AN EXPERT STATED THAT THERE ARE NO DEFICIENCIES. 
WITH WELLS COMBINED FRAUD - / LOSS OF EARNEST MONEY & NOW SCAM I BELIEVE THAT FEDERAL REGULATORS SHOULD STEP IN & REVERSE THIS SCAM!

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 2021-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
On XX/XX/2020 I was attended at XXXX XXXX XXXX XXXX XXXX with a suspecting of XXXX. I wasn't feeling well and during the interview previous to my attendance I made clear I did not had insurance to cover for the XXXX XXXX. They them told me not to be concern about it as it would be treated as an XXXX XXXX. They never made me clear I would start receiving collection attempts just a few days after my attendance. It is really outrageous that they are taking advantage of people at a time of weakness. I already filled three different complains about this same subject with CFPB but never got any return of my case. Instead, the only thing I got is a hurt in my credit and a continuous harassments of many different collection companies calling, sending collection letters in an attempt to collect a debt I did not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been disputing the following accounts since XX/XX/2020 and the credit bureaus have verified them and in response, I have requested proof of verification and they have ignored my requests multiple times. They are verifying the accounts but still have plenty of errors which is severely hurting my credit score. I know my rights as a consumer is being severely violated and if this is not rectified, I am not beyond litigation. I have attached a copy of my report which you can clearly see all the errors within each account in question along with the last three letters to each credit bureaus I sent via Certified Mail ( including tracking number that confirms the credit bureaus received my letters ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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