vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-26 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: MO

Complaint narrative:
XX/XX//2017 I started an application to file bankruptcy but never completed the application process. Therefore the court dismissed XX/XX//2017. 

XXXX XXXX has failed to report my payments since to the three credit bureaus, thereby causing me not to be able to qualify for refinancing. I have paid all my payments to the on time monthly. However they did not report my payments to the credit bureaus. 

I did not know they were not reporting my payments to the credit bureau until I applied to refinance my home, and the perspective lender advised me the payments were not showing up on the credit reports and were hurting my score and ability to get a loan. 

I called XXXX XXXX and disputed with the credit bureaus repeatedly without their taking any action to help me. 

XXXX XXXX  account # XXXX Balance approximately {$6000.00} Home Equity line of credit

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 2019-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: RFNA, LP
State: TN

Complaint narrative:
My payment is past due and Republic Finance not only called my place of work to confirm employment, but also told one of my employees that they were confirming because I am " on probation. '' This is defamation of character and now all of my employees are wondering what I'm on probation for and I am not on probation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: IL

Complaint narrative:
I took out a loan and paid back all principle. I then had the Wisconsin Dept of Financial Affairs tell me they are not licenced in WI. I started payment plan, and paid another {$150.00} and then canceled the agreement of {$600.00}. They say they are part of the XXXX XXXX, they do not reside on their land and are only affiliated with XXXX XXXX. Their practices are wrong and misleading. Why do they not have to follow the laws, but others do? It says XXXX XXXX is on the reservation, but then does business as Zocaloan? Why a different name? Because Zocaloan is not on tribal land. See their loan description .... 

The words you and your mean the borrower who has electronically signed it. The words we, us and our means Rosebud Lending LZO d/b/a ZocaLoans. We are a sovereign enterprise, an economic development arm and instrumentality of, and wholly owned and controlled by, the XXXX XXXX XXXX ( the Tribe ), a federally recognized sovereign American Indian Tribe. All disclosures in this Agreement are also terms and conditions of this Agreement.

This is from Website ... 
ZocaLoans loans are designed to assist you in meeting your emergency borrowing needs. Rosebud Lending LZO is the tribal lending agency of Rosebud Lending, a subsidiary of the Rosebud Economic Development Corporation, an economic development arm and entity of the XXXX XXXX XXXX, a sovereign nation located within the United States of America and operating within the Tribes reservation. Rosebud Lending does  business as ZocaLoans. 
ZocaLoans does not lend in all states. 

Id like to find out their physical address and not PO Box . There were many of these places sued in California for doing this exact same thing.

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 2019-09-26 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:
On XXXX-2019 I tranfered money and then I get over draft charged, they are stating the checks came in first I filed a transfer but it still showed negative all day. Checked it in the eve and still was negative? I am being charged XXXX times 3 thats a lot of money for a mistake made on the on line banking. In XX/XX/ 2019 this also happened to us. The branch was able to fix it. 
thank you 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 monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OK

Complaint narrative:
Im enrolled in the public service loan forgiveness program ( which means that I'm also enrolled in an income driven repayment plan ). I have it to where payments are taken out every month. I noticed they didn't take out payments the last two months. When I called and asked them why, they told me than when I enrolled in classes at XXXX XXXX required for my teaching certification ) that my account automatically went in to forbearance. That was the standard operating procedure, even though I paid cash for my classes. They said I should have submitted a deferment waiver. NOBODY told me that and because of the forbearance, my interest was capitalized, making the total amount for my loans increase {$2000.00} within just two months. This is unethical. I looked through all my fedloan paperwork about PSLF and IBR and they don't mention this anywhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
My husband and I have filed chapter XXXX. We have had so much trouble with mortgage payment. First my attorney was unclear about our payment. Then this past XX/XX/XXXX the mortgage company changed and our payment went from XXXX to XXXX. Also are payments were not shown as paid and instead went into unapplied funds. So every month it was shown as past due amount. Can this be fixed?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
On or about XX/XX/19 I received a Annual Escrow Acct Disclosure Statement from US Bank Home Mortgage ( the mortgage co. ) stating there is a {$1300.00} short fall in my escrow acct and I can either pay that amount or it will be set up within the next 12 payments starting in XX/XX/2019. 2 days later I received the XX/XX/XXXX statement showing an increase on the monthly of about {$120.00}. The statement breakdown shows the increase in the escrow contribution but shows the tax contribution unchanged. It also shows an increase in the home insurance contribution. Mon.,XX/XX/19 I called my town to verify that the property taxes had not gone up, they were the same as last time. I then called my insurance co and verified that my housing insurance has not changed. In fact I changed insurance companies back in XX/XX/XXXX ( will get back to this ) So having this information I then called the bank. Spoke with a rep, asked why there was a short fall. She first came back with the insurance had increased. I struck that down and also informed her that the taxes had not changed. She never answered that with why my insurance contribution had increased ( for no reason ) finally came back with the real problem. When the old insurance co sent me a check for the returned premium, {$1100.00}, I deposited it and wrote a check to the bank and put a note as to what the check was for, because I called them to find what address to send it to. Someone at the bank took the payment and credit it to my mortgage payments, {$1000.00}, an sent the difference towards principle. This would have been toward the XX/XX/XXXX payment, which I had made already and they cashed on XX/XX/19. So there is a payment floating around somewhere and my escrow account is missing the {$1100.00}. This information came out of the reps mouth to me but she could not figure out the problem. Now that leaves a difference of {$250.00} escrow short fall which I pointed out and again asked why, no answer. Plus the fact that they are trying to get {$20.00} more per month for my insurance which did not go up. I have unfortunately been with this bank for over 8 years as they bought my mortgage before the ink was dry on the paperwork and it has been a horrible experience. I have another complaint towards them about predatory lending but I will submit that as a second complaint.

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
Consumer complaint received 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2019-09-26 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: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2014 {$1200.00} I have contacted the company but they have not given me a resolution

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 2019-09-26 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: CA

Complaint narrative:
Equifax continues to report fraudulent charges on my credit report, from XXXX  XXXX XXXX, after I have reported/informed them that XXXX XXXX XXXX is reporting fraudulent charges/activities that do not belong to me. Equifax is also posting this account in support of XXXX  XXXX XXXX ; without viable proof. When I reported the incident to the CFPB in XX/XX/XXXX about XXXX  XXXX XXXX not rectifying this issue, XXXX XXXX  XXXX did not respond to the complaint in a timely manner, nor did they provide a resolution or reasoning. I would like for Equifax to remove the fraudulent account from my credit report. They are the only reporting agency reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I cancelled my debit card and ordered a new one. I received a temporary card and was told by the branch professional that once I activated the permanent card, the temporary card would no longer be in use. Well ... ..I activated the permanent card and left the temp card on my desk at home. My cousin called me inquiring about how my daughter had money and told me the color of the card she was using which I immediately knew was the temp card. I immediately called BOA and disputed the charges. They would not file the claim UNTIL i filed a police report on my XXXX year old daughter! After contemplating with that decision, I filed the report with XXXX County and filed the complaint. The only info they requested from me was the police report number. Never heard anything until last week when I receive a letter stating the credit was being reversed! 3 months later! Are you serious? I called and spoke with a rep who said was reopening the claim. She never asked me to provide additional documentation and also stated the temp credit would NOT be removed. Well it HAS. I called today and got a totally different spill or run downas with any time I call BOA. They appear to always run from responsibility. There is little communication. I wasnt expected my claim to be denied, being that I had to file a police report against my daughter, let alone the credit to be reversed when I was told it was not! BOA claims department is the WORST! Unethical and unprofessional!

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 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I have contacted TransUnion and XXXX twice to dispute old credit information on my credit report, including things that are 8 years old and the state the credit was acquire in only allows that information to be reported for 6 years, but yet TransUnion will not remove it from my credit file. There are closed accounts from XX/XX/XXXX-XX/XX/XXXX, they will not remove, no matter how many times I dispute them. I have several fraudulent inquiries that I have reported to them as well, I even have fraud alert on my account and they still will not help.

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 2019-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FinCo Services Inc DBA Current
State: WA

Complaint narrative:
We applied for a Current Card for our teen son. The online website says in numerous places that there are " No ATM fees '' ( see accompanying website screenshots ), however what they do not clearly or adequately disclose is that there are significant fees associated with ATM use by the ATM operator. The high ATM fees make this product essentially unusable for a teen with limited finances. Plus the Current fee structure of an annual fee of {$36.00} paid up front means that users who cancel their account after discovering this have been effectively charged for services not provided. Current should be compelled to provide a clearer and less misleading description of their product and the fees associated with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: Waypoint Resource Group, LLC
State: SC

Complaint narrative:
Have a balance reported of ove XXXX which is not mines. Reported by waypoint resource group. Collecting for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
It was paid with insurance don't know why it got proceed with collections

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THESE ACCOUNTS AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION. BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDIT AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2019 a check was written to Capital One Auto Finance XXXX XXXX XXXX, XXXX XXXX  XXXX CA XXXX, Check number XXXX for the amount of XXXX . The bank has confirmed that it was deposited to account ending XXXX on XX/XX/2019 which is listed as a Capital One Account. The funds were taken from my account but after calling Capital One several times they can not find the money, there is not account of the payment and they are still attempted to collect and repo the car. There should not be any threatening communication when it has been made clear that there is an error on the Capital One Side.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
This company is reporting inaccurate information as they are trying to collect on accounts without dates, no validation of debts have been provided, additionally these accounts are inaccurate and an investigation needs to be conducted to resolve this.

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 2019-09-26 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: TX

Complaint narrative:
b/c i moved several time bc of civil right violation i had to get this from the bank should clear the XXXX XXXX XXXX XXXX hipp violation sent to Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: SC

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am requesting a refund for a temporary Serve card. Per the cardmember agreement, " By signing or using the Serve Temporary Card, you agree to be bound by these Terms and Conditions in their entirety. Should you wish not to be bound by these Terms and Conditions you must, prior to using the Serve temporary card, request a refund of the value of the Serve Temporary Card by calling Customer Service. '' Unfortunately due to no fault of my own I am unable to register this temporary card. As such, it is no use to me and I am hereby rejecting the terms and conditions and requesting a refund in accordance with the terms above. I have already contacted customer service, who refused in any manner to process this refund. 
The card is unused and therefore in full compliance with the conditions required for a refund. 
In addition, I am requesting refund of the {$7.00} monthly fee that was auto deducted from the card balance. 

I can be reached at XXXX or by cell at ( XXXX ) XXXX.

Company response to consumer: Closed with monetary relief