vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 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: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
5/3 Bank has reported my mortgage account 30-days past due when it was not. The account was due on XX/XX/21. Payment was made on XX/XX/21 and posted on XX/XX/21. While payment was late, it was never 30-days late. 

I have attached a statement which shows the date of payment of the mortgage as well as a screenshot of the payment history on my account at 5/3 Bank. You can see on the bottom of the statement where it shows payment due on XX/XX/XXXX and payment cleared on XX/XX/XXXX ( depending on how you count it is 28 or 29 days late ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Advance America, Cash Advance Centers, Inc.
State: MS

Complaint narrative:
Have received numerous phone calls from Advance America for a loan I did not receive. They have my cell phone number, Social Security number and birthdate. They tell me I received 2 Loans in 2019, they did not specify the date, one for {$210.00} and one for {$120.00}. This was supposed to have taken place at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, local phone number XXXX. The phone calls I receive from the person that calls is XXXX. Advance America customer service phone is XXXX. 
I do not remember receiving these funds from them. I do not remember ever being approved for these loans. I do not remember doing business with them. 
When I called Advance America customer service they said they had records of these transactions. They will NOT provide me proof I ever received or even applied for these funds. When I tell them to talk to my husband to find out what is going on they refuse. Advance America customer service would not until I verified my personal information, then only gave him the year, store and amounts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
We were charged a {$95.00} annual membership fee on our XXXX Statement ( bill received and payment due in XXXX ). We decided to close the account and pay off balance rather than pay the fee. I closed the account XXXX XXXX, 20 days past the due date on the bill but prior to the due date on the next month 's bill. 

We received a late notice from Capital One, who is still charging us the {$95.00} membership fee in spite of us no longer having a credit card with them. I called today and spoke to a supervisor who refused to void this charge and says we were two weeks too late notifying them we were closing the account and we must still pay the {$95.00}. This time period notification requirement was buried in the fine print on the back of the bill. Since we are no longer a " member '' or cardholder, this is a ridiculous fee. A membership fee implies someone is receiving some sort of benefit from the association. Since we cancelled the fee, we are receiving no benefit from Capital One and should not be responsible for this fee. Unfortunately, not paying it will only hurt our credit rating, so we are held hostage by their loan shark polices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I purchased a cellphone on ebay, for {$580.00} but it arrived cracked. The seller refused to help, so I opened a dispute with citi, the credit card I had purchased it on, and eventually the seller agreed to refund me, once I close the dispute. I reached out to citi who closed the dispute, but it still remained open with XXXX. each side is insisting that the other is at fault, citi claims they have passed on the information that the case is closed, XXXX claims that they haven't heard from citi so they can't close the case. I have called each side multiple times, who always blame the other. This situation has been the same since 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 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchased my home in XXXX with a mortgage ( Loan # XXXX ). Wells Fargo Home Mortgage services my mortgage but they explained the lender is a private lender. Wells Fargo will not disclose to me who owns my mortgage. I have inquired many times who my actual lender is with the most recent inquiry being on XX/XX/XXXX. 

I have not missed a single mortgage payment in over a decade since my mortgage was refinaced with the HAMP program in XXXX or XXXX. However, I have occasionally struggled to pay my mortgage on time before the XXXX of each month thereby incurring exorbitant late fees imposed by Wells Fargo. They will not allow me to pay just my mortgage on their website without first paying the accrued late fees. In order to pay just my mortgage every month without the accrued late fees I must therefore mail in a check which because of USPS delays often arrives after the XXXX of the month, incurring even more late fees. The late fees now total more than {$4000.00} which is causing a hardship on my family which has been hit hard by the Covid-19 pandemic.

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 2021-04-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I received a copy of my credit report and found the following items to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. Mistaken Identity XXXX Account Number : XXXX Please remove this account from my credit report immediately! Bureau has refused to investigate this negative account on my report. 
2. XXXX XXXX Account Number : XXXX I was never late on this account, NEVER, please remove late mark on status of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital system sent me a letter saying I owe {$520.00} for a platinum MasterCard credit card. They refused to give me any other information from my phone call on XX/XX/21 other then it is a debt from XXXX XXXX. I have never had a credit card from XXXX  XXXX. They immediately offered me a settlement amount of {$260.00}, but I then requested prof of dept. the representative stated that they can not provide me with that information. I then contact XXXX XXXX who let me know that there was an account using my name and SSN was opened several years ago but with a different address. They told me since it was already sent to collections there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Company says they have not received any disputes from me.

I have copies of all the dispute letters, I also sent them copy of the report I filed on XXXX They tell me that the account is mine, and just say they have verified it. They have not provided any proof that the account is mine. Just that it has my name and address. 
They also claim that they have mailed me forms to fill out which I have never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I have been in the process of getting my home refinanced since XX/XX/XXXX I am writing this on XX/XX/XXXX. I have been ignored by members of this company, I have been fed excuse after excuse from this company and have had my loan officer changed multiple times. The latest most unforgivable offense, has just happened this last week. after confirming the closing and signing date I received an email from the company to e-sign the last documents. These documents were not in my name, they were instead in the name of my step father who was supposed to be coming off of the loan. we are now potentially needing to delay the signing of the refi that has already taken almost half a year to process because of their incompetence. The only reason I had even considered going with Freedom Mortgage was because they currently hold my loan. I made the mistake of assuming that because I had never had an issue with them when paying my monthly mortgage I would have no issues doing my refi with them. I could not have been more wrong. The final straw that made me write this complaint was a phone call I received today from them, at my place of business, to confirm my stepfathers employment. My stepfather doesn't work where I work, he is long since retired and has never worked at my work. This was 4 days after calling and notifying them of their mistakes. clearly they had not stopped what ever process they had started and their company is wildly disorganized. furthermore I am concerned that with this blunder that other errors are being made. is my stepfathers credit being run? he never authorized it if it has. It only leaves one to wonder what other mistakes are being made that no one is noticing. I would never, ever recommend Freedom Mortgage to anyone I know

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 2021-04-12 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: GA

Complaint narrative:
I sent a letter stating there was inaccurate and erroneous items on my credit report. I has been over 30 days and I have nor received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, This is XXXX XXXX. I have been trying to resolve inaccurate credit reporting for over 6 months. I have talked to XXXX XXXX XXXX, XXXX XXXX XXXX/ XXXX XXXX , XXXX , and Experian to update a late payment alert on my account. I have resolved the issue with my bank and financial company, but the both Experian and XXXX have refused to assist me with this issue. I have filed over 5 disputes over this issue and this still has not been resolved. I plan on purchasing a home in the next year or two and it is crucial that this gets fixed. Please assist with this issue as soon as possible. 

Best, 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 2021-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: eToro USA LLC
State: NJ

Complaint narrative:
I have account with eTORO and i had a position for XXXX for XXXX units. They sold all my position and emailed said they transfer the money to my account in available fund but my available fund says " XXXX ". 

Total amount I invested was {$2000.00} but the market value today was {$6100.00} and they kept all money. 
I also warn them of unsual activities like asking to many things which they received it before when account was open. 

eTORO USA LLC XXXX XXXX XXXX, XXXX Floor XXXX, NJ XXXX Phone Number XXXX My Name : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Phone ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have repeatedly instructed Bank of America to STOP CHARGING MONTHLY FEES from my Visa account. Every time they research the disputed transactions, they tell me that their hands are tied -- they have to keep stealing XXXX dollars each month from my account and send it to XXXX. 

I DO NOT USE XXXX!! 

XXXX DOES NOT PROVIDE A PHONE NUMBER, WEBSITE, OR EMAIL ADDRESS TO CANCEL AN ACCOUNT. 

I OPENED AN ACCOUNT FIVE YEARS AGO AND HAVE TRIED TO CANCEL IT EVER SINCE! 

I HAVE ALSO PROVIDED BANK OF AMERICA WITH EMAIL PROOF THAT I HAVE CONTACTED XXXX TO CANCEL MY ACCOUNT AND THERE IS NO WAY TO DO SO!!

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 2021-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: PA

Complaint narrative:
In XX/XX/XXXX, I received a bill from XXXX XXXX in the amount of {$35.00}. This was in error. I was owed a refund of {$35.00} from XXXX failure to correctly bill my insurance in XX/XX/XXXX. XXXX failed to include the correct authorization in their submission to my insurance carrier. XXXX confirmed their mistake in a recorded phone call with XXXX XXXX XXXX representative XXXX XXXX, XXXX Representative XXXX, and myself on XX/XX/XXXX and stated that they would resubmit the charge with the correct authorization number and refund the {$35.00} to me within 4 weeks. However, XXXX failed yet again to submit the charge to XXXX XXXX XXXX. I attempted to follow up with XXXX in a phone call in mid-XXXX and was repeatedly hung up on by XXXX customer service. I contacted my credit card company to dispute the {$35.00} charge that XXXX should have already refunded by that time, and on XX/XX/XXXX my credit card company resolved the dispute after giving XXXX the opportunity to challenge the chargeback. 

On XX/XX/XXXX XXXX XXXX XXXX Quality Specialist XXXX XXXX acknowledged in an email to me, XXXX error and confirmed that I no longer owed anything to XXXX and that my account balance would be recalled from collections with no impact to my credit and no balance due. 

On XX/XX/XXXX ARstrat , LLC sent me a collection notice for the erroneous {$35.00} charge that XXXX has previously recalled from collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I noticed that I had a Collection account in my XXXX Credit Report. The account was From PLUSFOUR INC. and the debt originated at XXXX XXXX XXXX ( both companies are in Nevada ) I contacted PLUSFOUR right away and they told me that the account that started with the numbers XXXX belongs to a person who the last name is XXXX, name that I had only during XX/XX/XXXX until XX/XX/XXXX because I was married to XXXX XXXX XXXX and we lived in California. Since XX/XX/XXXX my name has been XXXX XXXX XXXX XXXX, and the birth date was different than mine. 

I have been living at XXXX XXXX XXXX XXXX, FL XXXX since XX/XX/XXXX ( I have lived in this address before ). I have NOT lived in XXXX XXXX, NV since the XX/XX/XXXX and my name was what is today XXXX XXXX XXXX XXXX. This debt account was opened on XX/XX/XXXX and is most definitely not mine! 

PLUSFOUR INC refuses to call XXXX to clear that up. 

I called XXXX and they told me that they were going to dispute but without a call from PLUSFOUR it may be difficult.

I called PLUSFLOR INC and XXXX enumerable times and all I could do was to start a dispute on line and on over the telephone with XXXX and they told me that may take a month or a long time. I am also sending a certified letter to XXXX to dispute it over them mail also to reinforce the need for them to fix my credit report. 

I file a report with IdentityTheft.gov reference # XXXX and filed a police report with the XXXX XXXX Police Department with XXXX XXXX XXXX XXXX case number XXXX. 

I don't know what to do any more! I became handicapped and need to buy a car with a ramp to put my scooter and my fico score that was ALWAYS XXXX + now is XXXX ( at least with XXXX XXXX. 

Please help me! I NEVER paid a bill later in my entire life!

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 2021-04-12 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: FL

Complaint narrative:
Account 1. Validate Account 09 XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information on my credit report was disputed and a validation requested as of XX/XX/21 there has been no response from Transunion and no supporting documents sent the erroneous account is still on my report and should be removed

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 2021-04-12 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I have contacted Nordstrom in effort to rectify this situation and it has not gotten me anywhere. The balance being reported is from XX/XX/XXXX and we are now intoXX/XX/XXXX. FCRA states that as a consumer, I am entitled to fair and accurate reporting. This is not it. The balances are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB Card Services violated 6 of my federally protected consumer rights in the collection of debt. 

15 USC 1692b ( 5 ) 15 USC 1692b ( 2 ) 15 USC 1692e ( 11 ) 15 USC 1692e FCRA 15 USC 1681 FDCPA 15 USC 1692d ( 1 ) I have attached exhibits as proof, explaining each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX has reported my mortgage account 30-days past due when it was not. The account was due on XX/XX/21. Payment was made on XX/XX/21 and posted on XX/XX/21. While payment was late, it was never 30-days late. 

I have attached a statement which shows the date of payment of the mortgage as well as a screenshot of the payment history on my account at XXXX XXXX. You can see on the bottom of the statement where it shows payment due on XX/XX/XXXX and payment cleared on XX/XX/XXXX ( depending on how you count it is 28 or 29 days late ).

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 2021-04-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX has reported my mortgage account 30-days past due when it was not. The account was due on XX/XX/21. Payment was made on XX/XX/21 and posted on XX/XX/21. While payment was late, it was never 30-days late. 

I have attached a statement which shows the date of payment of the mortgage as well as a screenshot of the payment history on my account at XXXX XXXX. You can see on the bottom of the statement where it shows payment due on XX/XX/XXXX and payment cleared on XX/XX/XXXX ( depending on how you count it is 28 or 29 days late ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief