vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 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: MA

Complaint narrative:
The vehicle is a XXXX XXXX with vin XXXX and the account number XXXX. 

I paid a XXXX lease in full and returned the vehicle in pristine condition, and well under the mileage limit allowed from XXXX XXXX to XXXX XXXX. 

I was told that there may or may not be an additional payment depending on XXXX 's final evaluation of the vehicle. I was in the process of moving from XXXX  to XXXX  in XXXX and lost track and contact with the company through time. 

The account was showing a status of " Paid, closed '' previously but ended up going in to a collection status for {$380.00}. I thought there was a mistake so I disputed it and around that time my credit score decreased by 100 points. 

There was a lot of confusion so I payed the additional payment but the account status is now showing up as 24 Charge off 's. This is frustrating because its derogatory and looks bad after I paid in full as agreed for {$17000.00} plus the exiting {$380.00}, and is obviously affecting my score negatively. 

I tried contacting XXXX several times to try and come to terms on this, but I keep getting shifted around, or I need to set up a new account but don't have information to start an account etc.. They're very difficult to work with, and to get in touch with the right people seems nearly impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: MA

Complaint narrative:
The vehicle is a XXXX XXXX with vin XXXX and the account number XXXX. 

I paid a XXXX lease in full and returned the vehicle in pristine condition, and well under the mileage limit allowed from XXXX XXXX to XXXX XXXX. 

I was told that there may or may not be an additional payment depending on XXXX 's final evaluation of the vehicle. I was in the process of moving from XXXX  to XXXX  in XXXX and lost track and contact with the company through time. 

The account was showing a status of " Paid, closed '' previously but ended up going in to a collection status for {$380.00}. I thought there was a mistake so I disputed it and around that time my credit score decreased by 100 points. 

There was a lot of confusion so I payed the additional payment but the account status is now showing up as 24 Charge off 's. This is frustrating because its derogatory and looks bad after I paid in full as agreed for {$17000.00} plus the exiting {$380.00}, and is obviously affecting my score negatively. 

I tried contacting XXXX several times to try and come to terms on this, but I keep getting shifted around, or I need to set up a new account but don't have information to start an account etc.. They're very difficult to work with, and to get in touch with the right people seems nearly impossible.

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 2020-07-07 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

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 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
in XX/XX/2020 my payment did not go through on autpay. they did not notify when it didnt go through. when i called the company they said they see the transaction coming out. when it didnt go through they never notified me. now i have a late payment on my credit report and its damaged my credit and not allowing me to get a mortgage. i tried calling the company and they wouldnt help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

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 2020-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
a collection agency called National Credit Adjusters put a collection account on my credit from a payday loan. I never had an account with XXXX XXXX. I contacted this agency and informed them that it is not my account and requested validation via Certified mail. They won't send me anything and they continue to report this mistake on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My credit card from JPMorgan Chase was hacked, with nearly {$1000.00} charged illegally against it. The criminal accessed XXXX XXXX and charged electronics equipment. Chase send me a new card, but that card was hacked also, resulting in about {$600.00} more charged to XXXX XXXX ( I think this is an inside job, actually ). I no longer have any faith in JPMorgan Chase to run a secure environment, and cancelled my account. I want to pay my final bill, but can not access my account for the earlier card, and my current card has a XXXX  balance. I owe Chase about XXXX, but I want to make sure that there are no more fraudulent charges on the card before I pay it. The company wants to keep sending me more cards, and all I want to to see my statement, pay my final bill, and leave them. This is a company I have dealt with for 10+ years, with a spotless record, charging hundreds of thousands of business expenses over the years. I am afraid that my credit rating is going to be adversely affected by this company because I have not paid my bill. No one is working there during the Covid-19 pandemic, it would appear. -- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: MO

Complaint narrative:
PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWELEGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA,  unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Business Bureau
State: FL

Complaint narrative:
I had a XXXX  which I thought would be paid by insurance. Insurance did not cover it and then passed off to a collection company. I paid the collection company in full in XX/XX/2020 for {$120.00}. It was removed from my XXXX  Credit Report and XXXX. When I checked my credit on XX/XX/2020 there was an additional charge of {$29.00} added by MEDICAL BUSINESS BUREAU @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX. 

I spoke to XXXX on XX/XX/2020 at Medical Business Bureau and she said it was an employee error that caused the problem on my credit report because they did not settle the account properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one offers me a refer a friend program that pays {$100.00} per person that gets accepted. For some reason my link is not working correctly bc every person I refer, I have to fight and argue about my credit. Capital one has denied my last request for the friend I referred XX/XX/XXXX. Yet my friend received his credit on his 2nd statement. Why is it my fault that my link isnt working? Every capital one manager has been rude or not helpful at all. Ive been a customer for 3 years and Im willing to pay this card off and take my business elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Over the past years I have sent certified letters and made calls to Navient without any response from them. They have refused to provide me loan details or allow me to enter into a repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-07-07 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: LA

Complaint narrative:
This collection was paid I disputed the balance on my credit report. The original creditor could not validate the debt so the collection was deleted from my credit report. On XX/XX/20 I pulled my credit report and the account was updated by Enhanced Recovery Collections on XX/XX/20. I never received written notice or phone call about this collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank received duplicate payments for a car lease and will not refunded the customer payment. 
XXXX  Per US Bank policy, the pay-off amount must include all monies owed as of the pay-off quote date. 

Therefore the pay-off quote dated XX/XX/XXXX would also include the XX/XX/XXXX customer payment due of $ XXXX, which US bank received that payment the day after the pay-off quote on XX/XX/XXXX. 

US bank also accepted the original pay-off quote amount of $ XXXX on XX/XX/XXXX, which was within the quote expiration window of XX/XX/XXXX. 

As a result, the XX/XX/XXXX payment was payed twice : -Once as a customer payment of $ XXXX on XX/XX/XXXX -Once in the pay-off of $ XXXX -- - Quoted on XX/XX/XXXX, Invoiced on XX/XX/XXXX, Account closed on XX/XX/XXXX Documentation for all of the above transactions was provided to US Bank in XX/XX/XXXX and 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 monetary relief
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: VA

Complaint narrative:
Village Capital has not contacted me in over 3 weeks on a request for a streamline refinance. I have been calling Village Capital for over 3 weeks as my wife was XXXX  due to XXXX trying to do a streamline refinance. I constantly receive offers in the mail to do this and need the help. Each time I call I am told that someone will call me in a few hours and no one every does. I have called over 4 times and each time are told the same. I have requested a manager and was told there were none working but they would have one call me. Again no call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: AZ

Complaint narrative:
I've been having problems maintaining my account due to XXXX. I am still on CARES ACT XXXX. Therefore I am politely, yet sternly demanding all {$210.00} collected from me in overdraft fees from XXXX be returned to my account or risk losing me as a customer. I've been with WF for some months and I wish for it to stay that way. You guys make billions every year in overdraft fees alone and to be quite honest I hope legislation will happen within the next few years that require you guys to not charge more than a certain amount per day/ transaction. I have a kid to raise and bills to maintain, please don't get in the way of that.

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 2020-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: The LGM Co., Inc.
State: OH

Complaint narrative:
XXXX at LGM Finance has been making harassing phone calls, messages, and text regarding the required insurance that I have on my vehicle. All this communication happens at least 10 times a day. My insurance company is working on fixing the problem to prove that I have insurance, but this company is harassing me and telling me they will not stop calling me. I am not late on my payment and the alleged forced insurance is suppose to take place on the 12th. I have been harassed by them for the last week. This is highly unethical and troubling. Stop harassing me. I let the insurance company know what was going on and also advised you. You shouldn't call people like they are late on their payment and that is not the case. You shouldn't be allowed to call, text, email, and leave voicemails through out the day either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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:
I had a mortgage with XXXX XXXX. I have never been late with any of my mortgage payments. I am in the process of closing on my home next week. I have been getting the run around from XXXX for over 30 days. They have agreed they made a mistake with the information they shared with the credit bureaus of me being 120 days past due on XX/XX/20. My wife and I were approved for a new home and now we can't get credit approval with this latest info.

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 2020-07-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a mortgage with XXXX XXXX. I have never been late with any of my mortgage payments. I am in the process of closing on my home next week. I have been getting the run around from XXXX for over 30 days. They have agreed they made a mistake with the information they shared with the credit bureaus of me being 120 days past due on XX/XX/20. My wife and I were approved for a new home and now we can't get credit approval with this latest info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items 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 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
We are homeowners who have lived in our home for decades and have NEVER been late on a payment. Our mortgage servicing was sold by XXXX to Nationstar ( who market as " Mr. Cooper '' in a phony attempt to be " human '' ) several years ago. Our mortgage is due on the XXXX of the month but with the grace period it is actually payable up until the 15th. Needless to say I ALWAYS pay close to the 15th -- who wouldn't? -- and this should be very obvious to Nationstar. However, for at least the last several months, every month on or around the 7th of the month I get an automated call from Nationstar telling me to call another of their 800 # s. When I call I get voice response messages with selection options that more than imply there is some presumption that we are about to go delinquent on our mortgage. 

We are living under enough stress already under the stay-at-home order and other disruptions to our lives caused by COVID. At this point I feel that Nationstar is harassing me, or somehow has singled me out for differential treatment not based on any facts related to our stellar payment record on our mortgage. However, it is impossible to get a human being on the phone to ask them to go away. Are they assuming because I am a woman I will be late? Because I am over XXXX? It is hard to say. 

Please can you make them go away and stop robo-calling me for no reason. If there is a real matter they want to discuss they can send me a real email from a real human being. However, there is none I can identify as we are prompt payers, have no other relationships with Mr. Cooper, nor after this treatment would we ever. Mr. Cooper is a joke. Their treatment of me is harassment. 

As a former banking executive I know that this complaint will have to be handled directly by Nationstar. SInce they have treated me so poorly and make it impossible to get in touch with them directly with ease I was left with no choice but to route this issue to you. Perhaps now they will listen and stop these practices. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

Company response to consumer: Closed with explanation