vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a auto loan with Capital One Auto Finance that after 6 years was paid off XX/XX/XXXX. While I made payments past the due dates over the 6 year period I had never made a payment 30 days or more past the due date. I am in lending and have been for more than 30 years, I know the rules for reporting and am very aware of payment reporting requirements. My payment due date was the XXXX of the month. In XXXX I made two payments : one on XX/XX/XXXX for the XXXX payment, and the final payment on XX/XX/XXXX. I recently found out this company reported me 30 days late.. .in XX/XX/XXXX. This is a obvious error. I can not be late for XXXX if the account was paid off in XXXX. Again, I have NEVER been 30 days or more late on this account or any account. I filed a dispute with the company on XX/XX/XXXX including all supporting documentation of payments made, which they actually concurred with me. I just received a letter from them dated XX/XX/XXXX stating their reporting is accurate and no change will be made. It is impossible for me to be late the same month I paid them off, and the same month I made 2 payments. It is an obvious error that is negatively impacting my score at a time I am looking at buying a new home in the coming months. This is an egregious error on their part, and the fact they will not correct it is appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: MI

Complaint narrative:
Been in response to Experian since XXXX. On XX/XX/XXXX they finally responded and indicated they couldn't complete my request due to verification not sent, when clear copies of SSN, ID and Proof of Address were sent via certified mail. Experian also indicated on XX/XX/XXXX - creditors need to be contacted, in which in previous dispute - this was already stated that creditors were contacted. Experian hasn't completed any investigations and accounts are clearly unknown and not verified, with clear evident in violation of Federal Laws.

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 2020-06-16 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: TN

Complaint narrative:
TRANSUNION IS REFUSING TO REMOVE A ACCOUNT THAT IS NOT MY ACCOUNT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: AL

Complaint narrative:
On XX/XX/XXXX, Navient ( Department of Education XXXX XXXX ) submitted an update letter to the three major credit reporting agencies : XXXX, Equifax, and XXXX ; informing them to " REMOVE '' the 15 XXXX XXXX XXXX being reported on my credit report. Over the past year, I have further, disputed this incorrect reporting with Equifax on XX/XX/XXXX ; TransUnion and Experian on XX/XX/XXXX, XXXX and to no avail, these loans continue to be reported by all three reporting agencies on my credit report as of XX/XX/XXXX. The company ( XXXX ) and I, have exhausted our legal remedies in regards to this incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Today XX/XX/XXXX, I logged into my XXXX XXXX XXXX Account Account # : XXXX and noticed my FIXED interest rate of 1.875 % had been increased to 2.875 %. Again, my rate was supposed to be a fixed interest rate. I have had this interest rate since XXXX due to a rate reduction for making 36 on time payments. I looked over my account and nowhere was I ever notified that my fixed rate had been changed. In fact, I had done a forebearance in XX/XX/XXXX and I have a letter dated XX/XX/XXXX for the repayment of the forebearance that also shows my rate as 1.875 %. I then noticed my lender showed as XXXX XXXX Wells Fargo . It appears my loans were recently sold to Wells Fargo. I contact XXXX XXXX XXXX and spoke to XXXX ID # XXXX and she informed that she saw no reason for why the rate was increased and that it was Wells Fargo that did it. My original loan rate when I consolidated my loans many years ago was 2.875 %. It was a fixed rate as well and then when down to a fixed rate of 1.875 % after 36 months of on time payments. I have never made a late payment either so this rate increase is not justified when again, I have a fixed rate. I do not appreciate Wells Fargo scamming me like this. If I had auto payments in place, I never would have known about this. Currently my loans are accruing interest at a rate of 2.875 and I do not know how this will be adjusted or if it will even be fixed. I have account documentation to support all of this. Furthermore, I was told my loans are not eligible under the forebearance for the pandemic. I do not understand why when I have federal unsubscribed and subsidized loans. Attached are the documents showing my loan repayment terms ( in regards to my forebearance ) clearly detailing my interest rate as 1.875 %, my last statement from XX/XX/XXXX and the account overview showing my rate was changed to 2.875 %.

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 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I had an account removed successfully from my credit report around XX/XX/XXXX from creditor XXXX in the amount of {$700.00}. They illegally reinserted this debt by not sending me a reinsertion letter on bureaus end or creditors end but this is well within my rights. I disputed the account again and sent credit bureaus reinsertion letter once I seen that they reinserted this account on XX/XX/XXXX also I disputed the inaccuracies on this same account and ask them to remove it. I waited XXXX days for bureaus to investigate and nothing was removed I sent another follow up letter out to them XX/XX/XXXX still nothing. I also sent a debt validation letter to the collection agency that is reporting this account asking them to validate this account or remove it the collection agency sent me a bill for validation which a bill is not validating a debt, they also sent me a letter stating that XXXX still owns the debt but the collection agency is the one that is reporting this inaccurate information on my credit report how could that be? This debt has also been reaged open date has been changed since reinsertion. I have now sent a refusal to validate debt letter to the collection agency XX/XX/XXXX in response to their bill for my validation of debt request. I also sent a intent to file a complaint letter to the bureaus XX/XX/XXXX for failing to investigate and still reporting inaccurate information on my credit report. I know my rights and that is why I am now filing my complaint with you!

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 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
The problem I have is I pay my house payment every month through my bank account and this isn't even Due till XX/XX/XXXX. This is false reporting and having people come to my house to take photos and here we have all the proper paperwork through the bank. I'm sick of this company always lying about people! 

PHH MORTGAGE XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Mortgage Account Loan Type : CONVENTIONAL REAL ESTATE MTG Date Updated : XX/XX/XXXX Payment Received : {$410.00} Last Payment Made : XX/XX/XXXX Pay Status : >Account 30 Days Past Due Date< Terms : {$410.00} per month, paid Monthly for 360 months >Maximum Delinquency of 30 days in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
BEING ASSESSED 2- XXXX LATE FEES WITH NJ XXXX XXXX. THIS IS ECONOMIC EMERGENCY " IN PROGRESS ''. COVID 19. I AM SICK. I AM OUT OF WORK. HAVE YOUR CLIENT, NJ XXXXXXXX XXXX " WAIVE '' AS A CURTESY THE LATE FEE PENALTIES. CAN NOT PAY ANYTHING. I AM OUT OF LUCK

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive requested proof via mail and online of a judgement that was attached to my name on XX/XX/2017. I also submitted these papers as I was a victim of identity theft. 

Currently, Transunion will not let me log in to their online portal to review my report or submit a dispute. Ive had this account for over 5 years and now I am not able to log in. 

1. When the investigation came back they advised the said judgement was accurate. Transunion did not provide any documentation that would solidify that this information is accurate. Proof should be provided and not just a broad statement that what was reported is inaccurate. What is accurate? 

3. When I reached out to XXXX XXXX regarding the release of inaccurate information I was advised via mail at my address which is on file with Transunion which included my name that I could not be located in their system. 

Transunion is falsely reporting inaccurate information and anything tied to this judgement should be removed immediately. 

Transunion should provide valid documentation to me as the consumer on how this information was validate for accuracy if I am not in XXXX XXXX database.

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 2020-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Valor Intelligent Processing, LLC
State: IL

Complaint narrative:
Received phone call from XXXX on XX/XX/2020 at XXXX XXXX. Caller didn't identify himself with any debt collector and said I owe {$510.00} and how would I like to pay. I said I didn't owe anyone and I disconnected the call. 

Received second phone call from XXXX on XX/XX/2020 at XXXX XXXX. Caller again didn't identify himself with any debt collector and again asked how I would like to pay {$510.00}. I said if I owed a debt they must send me notification via mail. Caller argued and said I still needed to pay today to take care of this. I disconnected call after caller began to raise voice. 

On XX/XX/2020 I received a letter dated XX/XX/2020 from " Valor Intelligent Processing '' concerning an owed collection from XXXX  XXXX in the amount of {$510.00}. I contacted XXXX XXXX directly and confirmed I have no accounts in collection and the account number on the letter was not a valid account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
On XXXX Synergetic Communication, Inc. contacted me by U.S. mail with a demand letter for payment of a debt of {$6000.00} that does not belong to me. The debt is from a credit card company named XXXX XXXX. This debt is from the result of Identity theft, where my personal identity information was stolen and used without my consent. I am disputing the debt of {$6000.00}, because it does not belong to me and was a result of Identity theft.. I am not paying this debt because it does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: TX

Complaint narrative:
I received a denial for credit notice from XXXX XXXX   in XXXX. I registered a CFPB Complaint on it as I never applied for credit with any one this year much less XXXX XXXX. In their response they noted they do the financing for a company called XXXX XXXX XXXX ( XXXX ). XXXX said XXXX sent them a request for credit approval on my behalf. I have no idea who this company is and I have had no medical procedures in a year and half and that one is paid for. I have none scheduled this year and owe no hospitals, urgent cares, specialist or doctors of any kind. I have had 2 visits to my Primary Care Provided doctor and those were covered with my copay. XXXX had no authority to request XXXX XXXX  to pull my 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 2020-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Received phone call from XXXX on XX/XX/2020 at XXXX XXXX. Caller didn't identify himself with any debt collector and said I owe {$510.00} and how would I like to pay. I said I didn't owe anyone and I disconnected the call. 

Received second phone call from XXXX on XX/XX/2020 at XXXX XXXX. Caller again didn't identify himself with any debt collector and again asked how I would like to pay {$510.00}. I said if I owed a debt they must send me notification via mail. Caller argued and said I still needed to pay today to take care of this. I disconnected call after caller began to raise voice. 

On XX/XX/2020 I received a letter dated XX/XX/2020 from " XXXX XXXX XXXX '' concerning an owed collection from Capital One in the amount of {$510.00}. I contacted Capital One directly and confirmed I have no accounts in collection and the account number on the letter was not a valid account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: TX

Complaint narrative:
FTC PRO COLLECT {$3400.00} XXXX XXXX {$1200.00}

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 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: AZ

Complaint narrative:
XXXX IS TOTALLY DEFRAUDING ME WITH MY CHECKING ACCOUNT. THEY ARE STEALING MY MONEY OUT OF MY ACCOUNT. I CONTACTED THEM TODAY. XX/XX/2020 APPROXIMATELY XXXX XXXX  ARIZONA TIME. AND THE LADY WAS ON THE PHONE ASKING ME FOR MY INFORMATION. MY ACCOUNT NUMBER THAT IS : I PROVIDED TO HER ON THE PHONE. AND SHE SAID TO ME ... THE ACCOUNT NUMBER ISN'T WORKING. I SAID, THAT IS MY ACCOUNT NUMBER TO MY CHECKING ACCOUNT WITH " U.S. BANK '' FOR OVER `15 SOME YEARS I WAS BANKING WITH U.S. BANK. THEY ARE STEALING MONEY FROM MY ACCOUNT ... ACCORDING TO DIFFERENT BALANCE SHOWS ON BANK STATEMENT UNSCRUPULOUS DISSEMINATION MY RECORDS SHOWING {$7700.00}. BUT, STATEMENT SENT TO ME SHOWING {$5000.00}. I AM AN ELDERLY SENIOR CITIZEN. THEY ARE DOING THIS TO ME FRAUDULENTLY SCHEMES AND FRAUDULENT ARTIFICE AGAINST ME AND MY HARD WORKS EARNING IN MY LIFE ... .I AM ASKING FOR A STRICT SCRUTINY INVESTIGATION PLEASE. MY DAUGHTER SHE'S A 4 YEARS COLLEGE GRADUATED. IS HELPING ME NOW AND THAN ... BUT SHE'S BUSINE WITH HER JOB AND HER FAMILY FUNCTION. I RESPECT MY DAUGHTER XXXX FOR THAT. SHE'S BUSY WORKING AND TAKECARE OF HER FAMILY. PLUS ; HELPING DAD WITH MY FINANCIAL SITUATION. Because I am getting older and older. But, God will inspired me of BAD THINGS PEOPLE ARE DOING TO ME, TO BE AWARED OF EVERY DAY LIFE ... THANK YOU FOR HELPING ME PUTTING A STRICT SCRUTINY INVESTIGATION TO MY HARD WORKED EARNING U.S. BANK EMPLOYEES ARE TRYING TO ROBBED ME AND MY BANK ACCOUNT. IS A TOTAL LAW VIOLATION. MY ACCOUNT # XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: Credit Services Corporation, LLC
State: TX

Complaint narrative:
I received a denial for credit notice from XXXX XXXX in XXXX. I registered a CFPB Complaint on it as I never applied for credit with any one this year much less XXXX XXXX. In their response they noted they do the financing for a company called Health Credit Services ( HCS ). XXXX said HCS sent them a request for credit approval on my behalf. I have no idea who this company is and I have had no medical procedures in a year and half and that one is paid for. I have none scheduled this year and owe no hospitals, urgent cares, specialist or doctors of any kind. I have had 2 visits to my Primary Care Provided doctor and those were covered with my copay. HCS had no authority to request XXXX XXXX  to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have a mortgage with NewRez/shellpoint mortgage. They purchased the loan from my prior lender. I received a letter my terms are the same as originally signed in loan documents. On XX/XX/2020 my homeowners insurance was due. It was NOT paid. I contacted them XX/XX/2020 asking why payment was disbursed from my escrow account that has ample funds to cover the policy Amount. Also let them know the insurance company would need that payment before XX/XX/2020. On XXXX received an email and letter stating they will look into it. XX/XX/2020 I emailed why payment still hasnt been made. They stated they would resolve it and apologized. On XX/XX/2020 I received an email stating they incorrectly were told by prior lender that I pay that on my own- A self admitted mistake. I then said that was not my original loan terms and moreover why would escrow account exist if I pay that myself. The Insurance policy was canceled. And had to be rewritten. Now its just about Doubled in price this year and foreseeable future. Im so irate. Then I get a letter my property taxes has NOT been paid either. I spoke with numerous reps and managers on XX/XX/2020. They state they will cover any overages and fees but need to get okay from another internal department to cover those costs. Its XX/XX/2020 and I still havent gotten a reply. My home is in peril without insurance. They are incompetent and nothing gets resolved. I was told a check was issued to state tax Dept. Yet they cant provide check info or date. Also its not a personal check where its written and funds withdrawal after its cashed. Its an escrow account. Funds are withdrawn from my escrow then a check gets issued. They have put me in such a mess with no answers. Ive filed complaints with XXXX  and their company. I need help to hold them accountable. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Trying to set up direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed a bankruptcy that was not mine for the last 2 yrs.. it was removed and put back on when it was not verified. As i continued to dispute they stated it was verified and would not let me continue to dispute

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 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The CARES Act makes it illegal for a lender to make negative credit reports about a borrower for accepting mortgage assistance during COVID-19.I accepted the three months ' forbearance that Chase offered ... and the option of putting those three payments at the end of the loan as a balloon payment. I was told by one of the mortgage escalation supervisors ... XXXX XXXX ... that accepting mortgage assistance would result in Chase making negative reports to credit bureaus about me ... and also meant that I could not remove the escrow account from my loan. The negative reports are a direct violation of the CARES Act ... and since accepting the COVID-19 assistance can not be a negative ... by law ... it is also illegal for them not to let me remove the escrow account. I am a XXXX  ... and have read numerous articles that banks are making negative comments to credit agencies if a borrower even inquires about COVID-19 assistance. This must be stopped ... credit ratings must be restored ... and Chase must be punished. I have no supporting documents ... these were all discussions over the phone.

Company response to consumer: Closed with explanation