vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Recently have went to apply for a loan from my bank. They told me they could not find a credit score for me from Equifax. The other two credit bureaus report fine for me. I have already checked with all of my accounts and they all report to equifax and have been reporting effectively to them. They, being Equifax, say I have no credit file and that I need to send in documentation showing who I am, for example SSN, drivers license, etc. I have faxed over everything they have requested 3 times. Yes ... .3. And still nothing has been resolved. They still tell me I have no credit file. I have requested them to create me one and they still have not done so. They continuously send the same paper in the mail telling me to mail them the same documents I have already mailed 3 times. I am getting no where with them. They either don't care, or just don't fell like taking the time to help. Again, all of my accounts have been reporting to them so this is definitely an Equifax issue. I've been a US citizen all my life and have a car loan and a credit card and I am an XXXX  XXXX  XXXX, who receives financial aid. This problem is affecting my life and needs to be resolved. I have done everything on my end. This company just won't do their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Ally bank has consistently reported that i have two 30 day late payments in XXXX and XXXX of 2017 which is lowering my credit score. I have tried several times to dispute this with both Ally back directly and with the credit bureaus. I have uploaded documents ( screen shots ) of my payments with the data, times, and confirmations of my payments but all of my disputes have been ignored.

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 2019-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
XXXX credit company is stating I owe over 11,000 dollars in medical debts. However I am fully covered by Medicaid 100 % full coverage and I have been for over ten years and I always have XXXX co-pays and etc. I've disputed these bills too many times too count and they are refusing too fix this matter.

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 2019-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
The debt collector named XXXX XXXX sold my credit card debt {$800.00} to XXXX XXXX law   office. My debt has increased to {$1500.00}. I tried to call and settle my debt. I was advised I could pay a lump sum {$1200.00}. When I called back I offered to pay {$1200.00} lump sum and was advised that settlement would no longer be accepted because they were going to garnish my wages. Both companies were very nasty and rude. I was not allowed to settle my debt. This debt continues to decrease my credit score. This is horrible customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
The debt collector named XXXX XXXX sold my credit card debt {$800.00} to XXXX XXXX law office. My debt has increased to {$1500.00}. I tried to call and settle my debt. I was advised I could pay a lump sum {$1200.00}. When I called back I offered to pay {$1200.00} lump sum and was advised that settlement would no longer be accepted because they were going to garnish my wages. Both companies were very nasty and rude. I was not allowed to settle my debt. This debt continues to decrease my credit score. This is horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The week of XX/XX/XXXX, I contacted SYNCB/Walmart DC ( XXXX XXXX XXXX XXXX, FL XXXX tele # XXXX ) regarding an account that was being reported on my XXXX credit report. I spoke with XXXX ( # XXXX ) from the XXXX, Ohio call center. She confirmed that there was no record of any account matching my information. She indicated that it would be difficult to send me dispute information on an account that does not exist. However, I stated to her that an account is being reported, therefore I as well as the credit agency should be able to receive something so this information could be removed. She then indicated that it would take approximately 30-60 days to contact XXXX and that she would see if she could send me something. To date, I have not received any correspondence regarding this matter. I contacted SYNCB/Walmart again today ( 3/5/19 ) as my credit report dated XX/XX/XXXX still contains the incorrect information. I spoke with XXXX ( # XXXX ) ( fax # XXXX ) who also stated that there is no matching records. Since it's been five months and this matter is not resolved, I lack confidence in this company 's ability to help me and resolve this matter.

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 2019-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: PA

Complaint narrative:
account opened under my name as fraud from BULLCITY FINANCIAL SOL XXXX XXXX XXXX XXXX XX/XX/2018 {$660.00} {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: LEXISNEXIS
State: GA

Complaint narrative:
My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. 
An FTC complaint has been filed with all this fraudulent items that do not belong to me, please remove all this items from my credit report. 
These event has prevented me from getting finance as well as a better jobt to better my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: CA

Complaint narrative:
In XX/XX/XXXX I made a balance transfer from my Capital One card to my XXXX XXXX. The balance transfer did not get applied to my XXXX XXXX, however I had the balance already charged to the Capital One account. As my XXXX XXXX card never got paid, I was essentially paying for two balances. After 2.5 years of reaching out to Capital One by phone calls and mail correspondence, and submitting complaints to the CFPB, XXXX who is backed by XXXX and Capital One were able to get this issue resolved and the credit applied back to my Capital One account in XX/XX/XXXX. 

On one instance when I tried to get this fixed on one of the many phone calls, precisely in XX/XX/XXXX, I was told on a recorded line that I would get the interest that was charged to my Capital One account reversed. This never did happen, and I am requesting that the interest that has been charged for the course of 2.5 on the {$1600.00} be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I am reporting to that I am a victim of Predatory lending. In XX/XX/XXXX, I got a 2nd mortgage from BBT to pay off my large balance credit cards and to consolidate all the charges. All my credit card payment was returned by the BBT and I was charged insufficient fees with each return draft. I went to BBT to inquire why my payments was not honored. I was informed that I did not transfer the funds from the holding account to my checking account. I corrected the error and resubmitted my credit cards payments. On XX/XX/XXXX I was notified by the credit card company that my payments was returned for the seconded time and was charged fees by the credit card company for the non-payment for the 2nd time. The funds was and still is in the checking account so I don't understand why these charges was not honored. I spent many hours calling BBT and the credit card company to figure out why my payments was returned. The out come was no resolution. I am almost XXXX years old and trying to pay off most of my financial obligations. My recent evidence based BBT encounters seem like that I am been penalized when I try to decrease my debt. 
I thought I could use my home equity to get this done. 
I am getting the feeling that these BBT variance is to make me lose my home and keep me in debt.

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 2019-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
FRAUD ACCOUNT OPENED UNDER MY NAME FROM MIDLAND FUNDING XXXX XXXX XXXX  XX/XX/2018 {$1800.00} {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Liquidation Services Inc.
State: MN

Complaint narrative:
A friend had used my name as gas pull offs and went to court in my name, have about 10 total debts because of this and a XXXX on my record for it but was never able to report this for personal reasons. They are charging me taking taxes from me for this debt and its not mine

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 2019-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: OH

Complaint narrative:
Two respresentatives scheduled unauthorized, continuous payments of {$160.00} to be debited from my account. I explained to the last respresentative that I would not be able to make any payments on the account and she began to take down my information for the hardship program because I informed her as I did the other representatives, that I was unemployed. Between XX/XX/XXXX and today, 4 withdrawals of {$160.00} have been debited from my account with 4 insuffient funds fees of $ XXXXXXXX/each. Managers and representatives said they could not stop the withdrawals and that I scheduled the payments online. I explained to them that I have not scheduled any web payments since Ive been unemployed and that I explained to the representative that I can not make the payments and interested in the hardship program. The managers/representatives were rude and placed me on hold for long periods of time and said they couldnt stop with withdrawals even though they have access to my account after I requested them to stop.

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 2019-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: LA

Complaint narrative:
The current address, previous addresses, and dates are inconsistent with the information submitted for my background check on XX/XX/2019. Two of the addresses are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
XXXX is our mortgage servicer, but they have not been fair in regards to our mortgage situation. We struggled when my husband and I both lost our jobs a few years ago, but our income is back to where we can afford our mortgage payments. We suffered through a hurricane and were given a hurricane forbearance, but XXXX lied to us about the terms of the forbearance and now we are in jeopardy of losing our home through foreclosure. We tried to apply for mortgage assistance, but XXXX is refusing to help us and say we can not afford our payments, all due to their mistake regarding how they handled the hurricane forbearance. They advised in XXXX of 2017 that they would take the amount postponed due to the forbearance and put it into the back of the loan. However, when we contacted them after the six months, we were advised that the total amount due was the six months and our regular payment. We are extremely frustrated with their process and representatives and afraid that we will lose our home through foreclosure. Also, they apparently approved us for a repayment plan and it was supposed to be mailed to us, however, we only received a request for mortgage assistance package in the mail. The representatives we speak with do not have a grasp of what is going on with our file and we do not have a single point of contact to deal with on our mortgage. We are not confident they are properly servicing our loan and we would like for your agency to investigate what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
FRAUD ACCOUNT OPENED UNDER MY NAME FROM WAYPOINT RESOURCE GROU XXXX XXXX XXXX  XX/XX/2018 {$160.00} {$160.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) 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 2019-03-06 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: Innovis
State: GA

Complaint narrative:
My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. 
An FTC complaint has been filed with all this fraudulent items that do not belong to me, please remove all this items from my credit report. 
These event has prevented me from getting finance as well as a better jobt to better my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: ID Analytics, Inc.
State: GA

Complaint narrative:
My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. 
An FTC complaint has been filed with all this fraudulent items that do not belong to me, please remove all this items from my credit report. 
These event has prevented me from getting finance as well as a better jobt to better my 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 2019-03-06 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: MoneyLion Inc.
State: OH

Complaint narrative:
I borrowed XXXX in XX/XX/2016 my first payment was due XX/XX/XXXX I have made all my payments but one, I called them and set up a skip a payment. That was ok. I made 2more payments of XXXX and on XX/XX/XXXX I hit the pay off bottom and paid XXXX as the website /app instructed me to do. To my surprise the next day they said I missed a payment and charged me an additional XXXX this instantly sickened me. I called them spoke to a XXXX, he was rude he couldn't answer any of my questions he told me I missed a payment and I have to pay it. I ask him why it was more then the original payment, he said it was a late fee. XXXX that is an very large late fee. He couldn't explain why it was so large when the due date was on XX/XX/XXXX 2 days late. They are ripping me off! Moneylion still has not shown the pay off or any part of it on their app / website. I don't mind paying what I owe but I'm not going to be screwed like this. Please stay away from this place. 
I also ask XXXX why my interest rate was XXXX on day and XXXX the next, I checked it every day and it was different every day but never a small amount it was like XXXX increments. He couldn't tell me why. So I hit the pay off button and it was not good for them they wanted me to pay it off when it was at XXXX when I called them the week before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp
State: NC

Complaint narrative:
This account was opened XX/XX/XXXX. It was paid off at the end of XX/XX/XXXX with certified funds from my closing attorney. They were notified it was going to be paid in full. It took weeks before my payment posted. They reported a 30 day late on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Crystal Motorsports, LLC
State: FL

Complaint narrative:
I tried to purchase a car from a dealer, XXXX XXXX XXXX in XXXX XXXX Florida, they then ran my credit 8 times consecutively and told me I had to return a few days later before I could purchase a car. The subsequent credit checks caused my credit to drop 80 points from a XXXX to a XXXX they then referred me to a nearby credit union for " special '' financing. The rates were outrageous and they knew I had no choice because my current vehicle was beyond repair. I was then left with no choice but to pay an extremely high rate on a base model car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX contacted me indicted that had discovered that a mortgage check we had made out to XXXX XXXX XXXX had been intercepted in the mail, was altered to from {$2400.00} to {$4900.00} and was deposited in a XXXX XXXX account. We contacted our bank, Chase Bank, immediately to inform them of this issue. Chase informed us that they funds had already been distributed and that we would need to file a claim. On XX/XX/XXXX we went to a branch of Chase Bank at XXXX XXXX and XXXX XXXX in XXXX XXXX XXXX and filled out the necessary paper work for a claim. On XX/XX/XXXX XXXX XXXX ( XXXX - XXXX ) contacted us again and informed us they were waiting on the paper work from Chase to process the claim. We contacted Chase again by phone and spoke to one of there agents on that day and they said they did not have our paper work for the claim even though we had done at at one of  there branches, after a bit of time they did find the missing information. We received a letter from the the USPS Inspection Service ( XXXX XXXX - XXXX ) dated XX/XX/XXXX informing us they we may have been a victim of Mail/Wire Fraud. On XXXX we called Chase to follow up on our claim and after speaking ti a custumor serve manager they informed us that they had done nothing to date, and were waiting to hear from XXXX XXXX even though we had given then XXXX 's number on XX/XX/XXXX. It is our understanding that Chase has 90 days to resolve the claim but is running out the clock on this so not to have to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN

Complaint narrative:
Fifth Third Bank purchased my mortgage for a Florida condominium in XXXX of XXXX and started servicing my mortgage that month. In XXXX of XXXX, Fifth Third Bank unilaterally began deducting a monthly escrow amount of {$890.00} from my checking account to cover flood insurance. We already have coverage for flood insurance and have provided proof of this to Fifth Third Bank and over the past several months dating back to XXXX discussed this with multiple customer service representatives at Fifth Third Bank. They have acknowledged receipt of the insurance policy and verbally committed to return seven months of escrow payments that have been arbitrarily and capriciously deducted from my account. Instead of returning such escrow money, they simply continue to deduct it from my account. 

I want them to stop wrongfully deducting {$890.00} from my checking account on a monthly basis and return the {$6200.00} with interest.

Company response to consumer: Closed with non-monetary relief