vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-28 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: AmeriHome Mortgage Company, LLC
State: CO

Complaint narrative:
Not sure of the date, but several months ago, I tried to correct the balance shown on credit report for my mortgage. The explanation given made some sense and I let it go. Since then I explored an option to get a refi, however, now am selling. In the process I was told by Mortgage Broker that the balance I would need to pay would be the balance on my statement of {$290000.00} plus my missed payments from forbearance. Currently that brings it up to {$300000.00}, higher than the initial loan! By the time I close, there will be 3 more missed payments, adding approx {$4400.00}. Note : My initial mortgage was {$290000.00} on XX/XX/2019. This is contrary to the explanation given to me previously by Amerihome. In essence, that since all those months of payments were taken out of the 30 year mortgage pay off, they would need to be made up for, which could potentially be handled by extending the mortgage the length of the forbearance. When you do the math, it is an extension of time, not of the actual balance. That said, it appears that Amerihome has set itself up to get an extra $ XXXX from me when all is said and done, under the guise of a forbearance that was promised to be " no penalty ''. If not addressed, Amerihome ( and potentially other Mortgage Lenders following the same pattern ) will be bilking thousands of dollars, unsuspectedly from borrowers. Bottom line, my balance on my statement is my balance-period and when I close on the sale of my home there is no way they should have the authority to collect an additional $ XXXX. Further, my credit report should reflect my actual balance of {$290000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: GA

Complaint narrative:
On XX/XX/XXXX I mailed a letter to TransUnion a dispute letter via certified mail receipt XXXX XXXX XXXX XXXX XXXX. It was delivered on XX/XX/XXXX at XXXX XXXX. Upon reviewing my credit report that was pulled today, there are several items that are still in " dispute '' status, and it has been over 30 days since my dispute was delivered to TransUnion. I have not received any correspondence from TransUnion. 

Per the Fair Credit Reporting Act, credit reporting agencies ( i.e. Transunion ) has to review and respond to every dispute it receives within 30 days. If a dispute is not resolved within 30 days, the disputed item must be removed from the consumer 's credit report. 

Below are the disputed items : XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX  # XXXX USBK COURT XXXX GEORGIA DOCKET # 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 2020-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I opened a Walmart credit card sometime XXXX using my EIN so I could set up business credit card. Capital One took over the accounts and flagged my card as fraudulent. They requested I submit a copy of drivers license, social security card and current utility bill from my residence. I also sent a copy of the EIN issued by the IRS. In my XXXX statement I noticed some charges I did not make and requested that they be removed. Capital One stated that the charges could not be removed until I submit a copy of my drivers license, social security cad, and current utilty bill. I explained I already submitted those documents and out of frustration didnt respond. My plan was just wait until I had the balance paid down then deal with the issue again and have the account closed. The account is now a little over {$100.00} and once the fraud charges are removed they will owe me money. I have once again attempted to close this account. I have submitted countless documents, written letters and they still wont close it or removed the charges in question. Case # XXXX account ending in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
THIS IS AN RV LOAN : Here is an example of what I have been going through. I have emailed them through their website and through regular email. The wait times on calling is about an hour or more ( this is why I emailed XXXX. I also messaged them through XXXX messenger and this issue is still not resolved. 
First message from XXXX : My issue is this My loan payment is XXXX. I pay XXXX each month. I sent a document that shows I want XXXX paid on the loan ( this includes interest ). I want XXXX applied directly to the principal. In theory, I should be paying less interest each month, this has not been the case. The XXXX was applied to the loan and it shows next month I owe less than XXXX. This tells me the XXXX wasnt applied to the principal. I called and was on hold for 45 minutes. I did speak to a rep and was told It does not need to be broken out like it was in the past ( like the document I submitted ). Your systems automatically applies the XXXX to the principal. I have not seen that happen yet. My phone number is XXXX. If what was told is true, you can respond to this message. However, I still have a hard time believing it is being accounted for correctly at this rate your system will show that I wont owe any payments in two months and beyond. 

Second message in an email directly in XXXX : I am having a hard time understanding how I can be paying more interest in XXXX than I did in XXXX. I am paying XXXX more per month on the principal. It would seem like the interest would NEVER increase. I have asked that the XXXX gets applied to the principal ( not as a lump sum with the payment ), if the interest increases than that amount isn't being applied to the principal. I am LIVID. I keep trying to get this straightened out and can't get an answer. The interest should NOT increase, I am paying XXXX more per month to get this paid off. If you could give me a direct number that might help too. I want this to go back to the document I signed. XXXX for principal and interest and XXXX to the principal. I am so frustrated and I want someone to look at this account and explain how the interest can EVER go up when I am paying XXXX more each month on the principal. I do not want next months payment amount reduced, I want the payment of XXXX ( principal and interest ) and XXXX applied directly to the principal. I would understand if I was just paying the normal payment because 30 days in XXXX versus 31 in XXXX, however, I paid XXXX more! My interest payment should not increase because I am paying more than required on the principal. If you look at XXXX and XXXX was done correctly, then I increased the amount to the XXXX additional. I have been paying more in interest than I did last year when I was paying XXXX more per month. I want this fixed and applied to the loan. This is fraud. I want it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
Court Case XXXX Last Date to file Lawsuit-XXXX. 



We are going to file a lawsuit in the next 24 hours at United States District Court XXXX XXXX XX/XX/XXXXXXXX XXXX # XXXX, XXXX XXXX, FL XXXX, United States against your Name and SSN. After giving several notifications we did not receive any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.This is our last warning to you ; kindly update us ASAP so that we can proceed. 


Note- If we don't receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around {$3200.00}. 


Do update us with your intention that you want to resolve this case or you want to dispute. Do revert back for any queries. 



Thank you, ACE CASH EXPRESS. 

Which is bogus I never borrowed any money. With my credit no one will give me a loan. And theyre saying I owe them XXXX crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Merchant refunded my purchase but the credit wasn't showing up on my Chase card. Chase customer service department did not reply to my request of investigation. There was a dispute open, and its case ID was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I checked my credit report and found the account as a collection. I have not received any notification about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I received an miscellaneous fee on my auto loan some months back. I questioned the amount which was {$50.00}. Once I learned what the charge was for I was ok with paying that amount. My vehicle was held for evidence and I was fully aware that it wouldnt be released until I received an District attorney release. This release would be sent to me and only me. The finance company told me that they provided a lawyer and would see about getting the vehicle released, this is when I was charged the {$50.00} amount. I received 2 more payments and was told after the first one that the amount wouldnt increase especially after I stated that Im not aware of any charges and that there shouldnt be any charges especially when my situation doesnt involve any payment. This situation has been going on for months and as of XX/XX/2020 I finally have an idea of what has taken place especially after the finance company told me the vehicle was held for a DWI which is false and I was being held accountable for towing fees. This again is also false because no charges I would be held accountable for since the District Attorney has possession and would be making the necessary arrangements for the vehicle to be transported to its destination. As of right now the fees are {$760.00} This doesnt make sense to pay especially when I know that no money would be out of my pocket during this whole ordeal. Why would I pay a lawyer hundreds of dollars for information that I have for free. This makes no sense whats so ever. I could see being held accountable for payments especially if I was behind and the company retrieved the vehicle but I havent ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I got this property in XXXX of 2016 due to the death of XXXX XXXX. I am her daughter I have asked since her death to remove the estate of XXXX XXXX off of the loan due to me not being able to ensure the property with that on there. Nonetheless, every time I send a request or call they tell me they are mailing it out. I currently pay XXXX yearly in insurance through the mortgage company when the insurance is only XXXX yearly. I have stressed to them several times and they keep telling me they are mailing it out. the name on the account is the estate of XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX account number is XXXX. I am the authorized account holder since 2016 XXXX XXXX the same address never late on the mortgage. and pay an extra XXXX monthly. I'm not sure why this is so hard I've given over 15 requests between 3 mortgage companies in 4 years and 4 months with no results. the company is XXXX XXXX XXXX and PHH mortgage services. their phone number is 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 2020-10-28 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: NY

Complaint narrative:
FedLoan Servicing ( PHEAA ) has begun ignoring my standing payment instructions yet again. This is the sixth CFPB complaint I have filed because this company refuses to follow my payment instructions. My standing payment instructions were attached to a previous CFPB complaint, and FedLoan Servicing has acknowledged receiving these instructions and agreed to follow them as part of that complaint, and subsequent complaints. The most recent example of incorrectly applied payments is my payment for {$1000.00} that was applied to my loans on XX/XX/XXXX. This payment should have been applied to the loan with a disbursement date of XX/XX/XXXX ( Loan # 8 ) and interest rate of 4.45 % ( the highest rate ) but it was instead applied to loans with lower interest rates ( disbursed XX/XX/XXXX and XX/XX/XXXX ). I have attached a screen capture showing that this payment was not applied correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28 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: PA

Complaint narrative:
On XX/XX/2020 I had a fraudulent inquiry on my Equifax and XXXX XXXX credit Files via XXXX XXXX. I reached out to them ( XXXX XXXX ) immediately and they conducted their investigation and determined that the inquiry was that of identity theft and or fraud. Upon their completed investigation they, XXXX XXXX sent me notice of Inquiry Suppression XXXX / Dated XX/XX/2020 I have since reached out and notified both the Equifax Credit Bureau and XXXX XXXX Credit Bureau attaching the letter from XXXX XXXX together sending US Mail certified return receipt to each of them. To this date XXXX XXXX Credit Bureau removed the Fraudulent Inquiry Immediately per FCRA after five days of receipt. However to this date of filing this dispute with CFPB ( XX/XX/2020 XXXX XXXX  ) I have reached out to Equifax on three separate occasions concerning this theft of identity and they have failed to remove this Inquiry even though being provided this notification from XXXX XXXX. My rights under the FCRA have been violated multiple times by a one Equifax Credit Bureau and as a final attempt to have this inquiry deleted my attorney has recommended/advised me that I file this request first with CFPB before moving forward with a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX was financed by Wells Fargo Bank. Vehicle was Repossessed in XXXX as a XXXX XXXX. XXXX was sold at the auction and deficiency balance of $ XXXX was charge off/ written off as a bad debt. This remained on my credit report for 7 years until the credit reporting agencies removed the debt from my credit report. Just recently I received a notice from the IRS that Wells Fargo Bank reported my debt to them via a 1099C form showing they forgave the debt. Wells Fargo Bank did something illegal and they committed fraud against me. I never received the 1099C form, and if I had I would have disputed this because they reported to the IRS that the debt was charged off in XXXX. They are being dishonest and very deceitful for what they are trying to do to consumers. The debt was a auto repo in XXXX. Vehicle was charged off /written off in XXXX and placed on my credit report for 7 plus years. If they were going to forgive the debt why did they not forgive it in XXXX when it was written off. And why wait until after the 7 plus years to report it for year XXXX after it was removed from my credit report. I am willing to fight this legally, my law firm is XXXX XXXX XXXX, they also are willing to assist me with fighting this. I spoke to the IRS and they want me to get proof of the debt being repossessed and charged off in XXXX. I am going to start a class action law suit against Wells Fargo Bank for practicing illegal actions against consumers such as this one. I need documents showing when my loan was repossessed and documents showing when the loan was charged off/written off by Wells Fargo Bank. I have every intention of taking legal action against them

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 2020-10-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: ME

Complaint narrative:
I did not see the direct deposit option when signing up for unemployment benefits through the State of Maine, so they sent me a US Bank Card. I have since changed my information with the Maine department of Labor - they are now doing direct deposit. However I have XXXX on the US Bank card I wish to transfer into my bank account. I do not wish to use the card provided by the government. However when I log on to US Bank to inquire about closing the card account and transferring the funds, they only provide a phone number to call. ( XXXX ) When i call this number, I am disconnected after a few minutes ; I am never able to talk to someone about my card or this problem. There is no email to contact US Bank Reliacard staff.It feels a lot like fraud as every number included on their letter XXXX including the one for the CFPB XXXX ) disconnects you after you call it.

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 2020-10-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has 2 open account that were placed on my credit report in XX/XX/2007 from XXXX  student loan. This account has been on my report for over 10 years i have asked that it be removed. Per law old collection should fall off my report after 7 years. I uploaded information and mail information to them. I am working on my credit and want the 2 XXXX  accounts to 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 2020-10-28 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: CORELOGIC INC
State: NY

Complaint narrative:
I received a copy of my credit report and I noticed a credit inquiry on my credit report by Credco. I wrote to the company telling them that I had not authorized any inquiries with their company and that they should please validate this inquiry by sending me the completed credit application with my signature on it. If they were not able to validate this inquiry, as per Fair Trading Reporting Act, they should remove it. They then informed me that that they could not find an application for me and that they wanted me to validate the inquiry for them. So far they have not sent me this credit application and they have not removed the inquiry form my report. Instead they are asking me to validate the inquiry by sending them a copy of my credit report, even though the letter that I sent them already had my credit report included in it along with my date of birth and social security number.

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 2020-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bepensa Capital, Inc.
State: MD

Complaint narrative:
I had a loan with AFS Acceptance in XXXX. I was paying perfectly never a late payment until my mother went into the hospital in XXXX. The loan was charged off in XXXX with me owing just over {$5000.00}. I disputed some incorrect information they were reporting and in spite they changed the amount that I owed. Every month they report this charged off account as a late payment and they continue to they charging interest on a charged off account. This was NEVER in the agreement that I signed saying I will pay interest on a charged off account. They amount owed is well over {$10000.00} now. That's double the amount that I owe. Since this account was charged off at just over XXXX at which point the account by law is closed to future charges. Per your agency 's guidance a debt collector may not collect any interest or fee not authorized by the agreement or by law. This company is obligated by the Truth in Lending Act to send monthly statements which I have not received. Under the code of the District of Columbia XXXX  the collection of or the attempt to collect any interest or other charge, fee, or expense incidental to the principal obligation unless such interest or incidental fee, charge, or expense is expressly authorized by the agreement creating the obligation and legally chargeable to the consumer or unless such interest or incidental fee, charge, or expense is expressly authorized by law ; Again I didn't signed anything stating this.

Company response to consumer: Closed with explanation