vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 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: NC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE
State: TN

Complaint narrative:
This was deleted from my account awhile back because they didnt provide me with all the information that was needed such as me hippa transcript and my hipaa rights has been violated so delete this immediately and Avante is a debt buyer that bought this debt but didnt suppose to even buy a deleted account so please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: VA

Complaint narrative:
Wells Fargo Home mortgage is reporting to the credit bureaus that my home was starting a foreclosure in XXXX of XXXX. When in fact It was paid off XX/XX/XXXX. The closing date for the buyer was XX/XX/2021.

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 2021-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: GVA Holdings, LLC
State: GA

Complaint narrative:
I called to get my balance and they told me my balance was {$680.00} but I only borrowed XXXX and I've paid 18 payments of {$98.00} which equals about {$1700.00} but only {$18.00} went to the principal I ask them why and they told me that all the payments I made was interested payments so I asked them out of the {$98.00} I was paying only {$1.00} went to the principal for 4.5 months I told them that is usery and they can't do that they inform me that they where not under state or federal law because they operate under the laws of a tribe out of Montana

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
On XX/XX/XXXX two checks were cashed that were written XX/XX/XXXX & XXXX XXXX. ( Two years and one month ). Complaint was sent through XXXX XXXX XXXX XXXX  to Navy Federal Credit union ( place checks were cashed ). Navy Federal denied the claim because stale dated items are not guaranteed they said.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
We refinanced our Mortgage with XXXX XXXX in XX/XX/XXXX. We were notified that PHH Mortgage, a subsidiary of XXXX XXXX, would be our mortgage servicer. We made our first payment in full for both XXXX ( first payment due after closing ) and XXXX. We then received a notice that our mortgage would be serviced by XXXX XXXX XXXX beginning in XXXX. That letter ( See attached ) stated that our Mortgage balance was {$470000.00} and our escrow balance was {$1700.00}. We then created our account with XXXX XXXX XXXX and made our first payment. A few days later we noticed that the escrow amount with XXXX XXXX XXXX was only {$950.00}. We called XXXX on XX/XX/XXXX to ask where the rest of the escrow went. They told us that PHH only transferred {$950.00} to them when they transferred the loan. We then called PHH to find out where the missing {$580.00} had gone. They informed us that they made a PMI payment in that amount on XX/XX/XXXX. We told them that should not have come out because they took out PMI from our XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) already. Further, they did not issue any statement indicating where our money had gone. We have since received a typed letter simply stating that they made two pmi payments to XXXX XXXX XXXX XXXX in XXXX. ( see attached ) We called our current servicer, XXXX XXXX XXXX to tell them what PHH told us, and they said that as of XX/XX/XXXX the PMI company showed that our account was only paid through the month of XXXX. This means that {$390.00} ( 2 months of PMI payment is missing ). Our new servicer, XXXX, also took out our regular $ XXXX payment from our XXXX mortgage payment. 

From our calculations the mortgage and pmi paid so far should be as follows : XXXX PMI {$190.00} paid to insurance company on XXXX XXXX covers arrears for XXXX XXXX PMI {$190.00} paid to insurance company on XX/XX/XXXX, XXXX covers arrears for XXXX XXXX PMI {$580.00} paid to insurance company ( according to PHH ) XX/XX/XXXX, XXXX This amount should cover XXXX XXXX arrears ), pre-pay XXXX, pre-pay XXXX. 
XXXX PMI {$190.00} paid to insurance company XX/XX/XXXX ( by XXXX XXXX XXXX ) - Should cover XXXX pre-pay if the company received the lump payment from PHH If the PMI was truly paid to the company we should not have PMI come out of our escrow again until XXXX ( to pay for XXXX in arrears ) Attached : Closing escrow statement which shows one month of PMI coming out each month this year ( no where did it say they would make a lump payment at any time ) XXXX and XXXX statements from PHH showing our mortgage payment and the one PMI payment from XXXX The typed letter stating they sent two PMI payments in XXXX The letter of change of servicer we received stating that the escrow that should have been transferred was {$1700.00}

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 2021-04-14 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2021, Wells Fargo was contacted to let them know about unauthorized transactions on my credit card. They opened up a dispute and on XX/XX/XXXX, they denied to resolve the claim in my favor. With advertisements that state " you are not responsible for any unauthorized purchases made on your card '' it is misleading to the customer that the bank will protect the interests of the cardholder in the event the card is used for an unauthorized transaction. 

The following transactions are the ones that WellsFargo has refused to resolve : XXXX XXXX XXXX CA XXXX, $ XXXXClaim NumberXXXXStatus : Temporary Credit Transaction, XXXX XXXX XXXX CA XXXXAmount XXXX $ 414.89Claim Number,XXXXStatus : Closed - Dispute Declined Transaction, XXXX XXXX XXXX CA XXXXXXXXAmount, $ XXXXClaim NumberXXXXStatus : Closed - Dispute Declined Transaction, XXXX XXXX XXXX CA XXXXAmount, $ XXXXClaim Number,XXXXStatus : Temporary Credit Transaction, XXXX XXXX XXXX CA XXXXAmount, $ XXXXClaim Number,XXXXStatus : Temporary Credit Anyone with eyes can see that this is suspicious activity. I have had this card for over a year and I make purchases all the time with it. It is not difficult to see a customer 's spending habits, where they spend, how much they spend etc etc. Needless to say, this spending is unusual and should have been flagged by their fraud prevention team. 

The reason for denial is because I have made purchases with this merchant before. ANYONE who has ANY XXXX products, will have made a purchase with XXXX. But i spend $ XXXX/mo on subscriptions. Not {$2500.00}!

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 non-monetary relief
Consumer complaint received 2021-04-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
The reason I'm complaining is because I have been through everything I know and can do to repair my credit. I have called the credit companies to see why my score isn't growing and never increasing. I now have no collections and no debts. I've added revolving debt. Added anything and everything I could to increase my credit. My question and concern is why does my score go down even when I'm doing good and why hasn't it changed even after taking off the negative items. When I called to speak with them they told me to call a credit advisor they have no control over my score. So who does? Why would I ask the store about my TV when I'm asking the maker? Just doesn't make sense and I really need an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Inquiries on my credit report that I did not authorize : XXXX via XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, 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 explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Hi, My forbearance ended on XX/XX/2021. 
I have contacted my mortgage company, Mr. Cooper for the last month or so. 
They have stated that the amount do is close to {$30000.00}. 
I do not have that kind of money. All I want to do is work out a reasonable repayment plan. 
I have contacted Mr. Cooper multiple times and they said it is Fannie Mae regulations. 
I tried to be proactive before I got behind. 
It has been the perfect storm, the pandemic, I had a XXXX  XXXX XXXX and have applied for Social Security XXXX and it takes for ever. 
We are desperate, we want to keep our home. 
Please anything you can do to help us is greatly appreciated. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: NC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2021-04-14 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: PA

Complaint narrative:
I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX  XXXX and XXXX XXXX / XXXX XXXX. I have attached ID Theft Report XXXX with this complaint. Please review.

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 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: SC

Complaint narrative:
Letter to my primary address asking for debt collection I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: WV

Complaint narrative:
Jefferson Capital Systems placed a collections record on my credit with all three bureaus. This collections was a purchased collection that was out of statute of limitations and is a debt too old to be reopened on my credit. This collections started as an account that was opened with them in XXXX of XXXX. No account was opened or agreed to with this company at that time or anytime in the past. I am no longer legally responsible for this debt and their attempt to park debt on my credit report after the statute of limitations is against the Fair Credit Reporting Act. I contacted Jefferson and spoke with a representative that assured me that the dispute would be complete and that the account would be deleted off my credit. The account was not deleted off of my credit and remains open until XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
NCB MANAGEMENT SERVICES # 1953 is violating several FDCP laws. I do not know this company. I have never signed a contract with this company.

PC 530.5 states that every person who willfully obtains personal identifying informationof another person, and uses that information for any unlawful purpose, including to obtain, or attempt to obtain, credit, goods, services, real property, or medical information without the consent of that person, is guilty of a public offense.

A previous request for them to produce the ORIGINAL CONTRACT of this debt with this company has not been received, yet they continue to violate my rights as a private consumer. They have violated the following 15 U SC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.

15 USC 1681 ; Harass and oppressive use of intercourse about an alleged debt.

15 U SC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) Violated 15 U SC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( are not a party In the alleged debt )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have recently opened a credit card with Bank of America. On its website, I thought i've had setup autopay option for the card. But turned out, it was for the old closed credit card which is somehow still listed under my account ( there's no indication on the website that shows it has been closed, since the current active card and the defunct card is exactly the same type of card, it was confusing to see which is which to say the least ). Therefore the autopay didn't process correctly, and I was charged both late fee and interest charge. 

On XX/XX/XXXX, I contacted BoA. They were only able to reverse the late fee, but refused to reverse the interest charge. Although admitting have two cards w/ the same name that caused the confusion, especially when one of it is no longer active, which lead to the autopay wasn't being setup correctly. 

I've asked BoA 's technical team to finally removed the defunct card on the account to avoid any future confusion. And I have made the payment for the full balance since I have no intention to be late on payment. But BoA 's refusal on reversing the interest charge is not acceptable since it bears responsibility of the issue. 

Account information and charges is being listed in attached document.

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 2021-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO

Complaint narrative:
I paid off my loan as part of a refinance. IFS then erroneously debited my account for a regular payment even after the loan was paid off. I have called in 5 times to get this resolved and each rep has left me with lies and cons to get me to call back a later time. 

First person told me that I would get that automatically refunded. Several weeks later and no refund. Second person said that I needed to call my bank where the money was debited from, of Course that was a lie as I called my bank and they told me and provided evidence that the money fully cleared and was with IFS. Third person I called told me to send an email to their customer support email and then call back 1 business day after that. Fourth person told me that no such email exists, making it sound like that was just a coy to get me off the phone. Fifth person acknowledged that the account was overpaid but gave me a similar answer that the system was just going to refund me but it has been a month now and no evidence or sign that a refund is coming. 

XXXX I paid off my loan with IFS as part of loan refinance. 
XXXX IFS debited my account for a regular payment -I am still without resolution as to how or when I will be refunded this money having called 5 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: PA

Complaint narrative:
I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX /  XXXX XXXX XXXX. I have attached ID Theft Report XXXX with this complaint. Please review.

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 2021-04-14 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
PentFed Credit Union has been fraudulently reporting on all of my credit reports. I NEVER agreed to a loan with them, I simply applied for a refinance to my current vehicle and their response was to open a loan account on my behalf without even asking me if I agreed to their terms and without even telling me what their interest rate was. They sent me promissory note and check in the physical mail during this process, I was just waiting to see what my approval terms were, they would not tell me via their online messaging system or via email, stating that I would receive the info in the mail. I found it odd that I got a check in the mail and a promissory note along with instructions on how to change my title over instead of an approval letter FIRST. So I told them forget it, I do not want to proceed with an agency who does not know what they are doing ( this is not the first issue I had with them ). I never signed the note, nor cashed the check so I am EXTREMELY surprised to see that they are reporting on my credit reports!! I was wondering why I was getting denial letters from other car loan agencies stating I had too high revolving accounts, because I only have one car loan which I was refinancing for. So I check my reports and see it is because this " bank '' opened up a loan account and put it on my credit report! Now I have unnecessary dings on all three of my reports because of them! I have absolutely had it with this " bank ''! Which is why I am reporting them, so someone does something about their fraudulent actions.

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 2021-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
This medical debt has been delete because they didnt provide me with the hipaa transcript and my hipaa rights was violated so this need to be deleted and Professional Credit Management is a debt buyer that bought this debt that has been deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief