vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
My loan contract matured on XX/XX/XXXX. The loan payment was set up on auto pay with Capital One Auto Finance to debt out the payment on the third of every month. Unfortunately the last payment was not debted from the account, according to Capital One they told me that they could not debt any more payments from my account because the contract had ended even thou I called them two weeks prior to XX/XX/XXXX authorizing them to debt the last payment on XX/XX/XXXX. I then received a letter a couple of weeks later indicating that I owed them {$4100.00} I was livid. After paying six years on a vehicle ( 72 ) payments curing the contract, I still owe?? This is ludicrous!

I called Capital One and was told that the two payments that was deferred to the end of the loan accrued that amount of interest. According to the contract any changes in interest to the contract had to be in writing only with my authorization. At the time of deferment of the two payments the agent asked me if I agree to the deferment of the payment not including anything additional. As of today ( XX/XX/XXXX ) Capital One has placed my vehicle on the Repossession list. Even though I have made 3 additional payments of {$550.00} trying to stop them from taking my vehicle. My husband is XXXX and this is the only means of transportation that we have. PLEASE HELP ME resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As a victim of identity theft I notified Experian of Fraudulent accounts that appeared on my credit in XXXX of 2019, yet to no avail. I sent the dispute in both through mail and through the CFPB Portal when I heard nothing. I am filing this complaint as I can not get my dispute heard with direct issuance to Experian of the following account : 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 2020-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I enrolled in XXXX College from XXXX XXXX-XXXX. Once I graduated I recieved my XXXX Degree in XXXX. I decided to go back to XXXX College of Rhode Island to work on my XXXX degree. I was finishing my third class when the college informed me my degree was not acceptable towards the XXXX program. I questioned WHY?? and was told XXXX is not an accredited college. I dropped out of school and felt dissapointed and confused. I was discouraged to continue my education due to the financial hardships. My federal loan had been deferred several times during this time. 
I paid my private loan in full and began making payments towards my federal student loans. I was consistenly making good and on time payments. In XXXX I was having financial difficulties in making payments. Navient suggested I go in to forbearance. They did not attempt to inquire if I could make small monthly payments. 
In XXXX I contacted Navient several times in regards to making payments. I offered Navient between $ 50- {$70.00} a month because during that time it was all I could afford. They stated the minimum was {$140.00} and that was the best they could do. I contunied back and forth for months and was finally able to negotiate {$70.00} a month. The bill came in and it was {$150.00} " DUE IMMEDIATELY ''. I could not get them to work with me as I tried over and over. More recently I began conducting my own research and I'll admit due to my own negligence did not realize that my original loan of {$12000.00} somehow doubled to {$24.00}. I understand navient took over for Sallie Mae and somehow aquired my loans. I'm still confused as too how much interest and how it was calculated. I need someone to help assist. I am presently reaching out to the Dept of Education and have  filed an application for a borrower defense to loan repayment. I would like some understanding into how and why this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
UNDER FDCPA SECTION 807 ( 8 ) BANK OF AMERICA , NATIONAL ASSOCIATION REPRESENTED BY XXXX XXXX ( SENIOR RESOLUTION AGENT IN NORTH CAROLINA. ) HAVE FAILED TO REPORT A DISPUTED DEBT TO THE CREDIT BUREUS, YET CONTINUE TO HAVE AN UNJUSTIFIABLE LIEN ON MY PROPERTY XXXX XXXX XXXX, XXXX, PA 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 2020-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Monterey Financial Services LLC
State: WA

Complaint narrative:
I called the first time and was told that there was a mtg and I would be called back to pay off my loan, that call never came. 
I than called 2 other times and was hung up on both times. 
This all occurred on XX/XX/2020 I have also attempted to go online and pay it off but your website will not let me make a password, even though I have 1 uppercase, 1 symbol, 2 numbers, 10 characters, which surpasses your min stated password requirements, which I have a screenshot of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: GA

Complaint narrative:
XXXX XXXX {$750.00} Opened : XX/XX/XXXX This account has me as an authorized user and I have never had an authorized user account with XXXX XXXX. I have one primary account with them and thats it. This isnt my account XXXX XXXX {$29000.00} Opened : XX/XX/XXXX This is account is inaccurate amount and has also been on my credit report for 7 years as of XX/XX/XXXX and should no longer appear on my credit report. 

U.S Dept of Ed {$59000.00} Opened : XX/XX/XXXX This account is showing an inaccurate amount also the date opened was XXXX XXXX. The amount is wrong and this account should not be shown on my credit report. It has passed the 7 years past when the account was opened and was never paid on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX {$750.00} Opened : XX/XX/XXXX This account has me as an authorized user and I have never had an authorized user account with XXXX XXXX. I have one primary account with them and thats it. This isnt my account XXXX XXXX {$29000.00} Opened : XX/XX/XXXX This is account is inaccurate amount and has also been on my credit report for 7 years as of XX/XX/XXXX and should no longer appear on my credit report. 

U.S Dept of Ed {$59000.00} Opened : XX/XX/XXXX This account is showing an inaccurate amount also the date opened was XXXX XXXX. The amount is wrong and this account should not be shown on my credit report. It has passed the 7 years past when the account was opened and was never paid on.

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 2020-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Company Name : Dovenmuehle Mortgage , Inc . 
Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, CA. XXXX Dear Sir, Greetings.

The above Mortgage Company purchased our loan listed above from XXXX XXXX XXXX in / about XX/XX/XXXX, with certain conditions and stipulations listed clearly on the Mortgage Note. 

On/ about XX/XX/XXXX, Dovenmuehle Mortgage Inc XXXX returned our Monthly Payment check un-cashed with a note indicating that we can not write on the check monthly payment paid if full, paid in advance!!! 

On/ about XX/XX/XXXX we sent TWO checks to cover the monthly mortgage payments for {$1800.00} each, this time they cashed the checks. Yet we are concerned that their predatory behavior might cause us a Credit Damage in the process. 

On/ about XX/XX/XXXX & XX/XX/XXXX, we contacted the company via mail and called them over the phone, and spoke to the Manager ( XXXX & XXXX XXXX , IL location ). We requested that they provide us with the Original Mortgage Note, which indicates clearly XXXX Late Fees will be assessed at any time, late payment or otherwise. 

They Failed and Continued to Fail in providing the Mortgage Note, they also failed and continued to fail in Correcting the Mortgage Statement accordingly. 

We received three statements so far, reflects erroneous late fees amounts that might be imposed on the account ; that contradicts our Mortgage Note and our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is a fraud alert on my credit report with Experian. I've followed the instructions according to their automated phone system and website to have it removed. The info to have the alert removed was sent via USA mail per the instructions. After a couple of weeks I called directly to try and have it expediated because its holding up a refinance mortgage I'm trying to close on. The person I spoke to was not willing to help me when I pressed to speak to someone that I could possibly email or fax the info to in order to have this alert removed. The person then hung up on me. Experian 's website and customer service is not user friendly. I need the fraud alert remove ASAP!

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 2020-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I sold my House at XXXX XXXX XXXX -XXXX AZ XXXX XX/XX/2019 ; the Mortgage company was XXXX XXXX XXXX XXXX and the Title company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX . The Title company paid the loan by wire as listed in the written payoff demand but the XXXX mortgage company returned the wire and charged mortgage for the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 despite receiving the settlement several time back from XXXX XXXX XXXX. Please refer to the attached documents reflecting all communications between XXXX mortgage and XXXX XXXX XXXX XXXX. Finally on XX/XX/XXXX XXXX mortgage listed the Mortgage as fully paid in XX/XX/2019 but the past due reports for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 remain in my credit report and despite several letters to XXXX and calls the negative reports still remain in my credit with the 3 reporting agencies, XXXX, XXXX and Transunion. I have mortgage application and car purchases denied due to the credit score being lowered to the 500, s from the 700, s .Negative reports from XXXX must be deleted with the 3 credit agencies but XXXX refuse to take action.

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 2020-02-14 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: AZ

Complaint narrative:
I sold my House at XXXX XXXX XXXX XXXX AZ XXXX XX/XX/2019 ; the Mortgage company was XXXX XXXX XXXX XXXX and the Title company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX . The Title company paid the loan by wire as listed in the written payoff demand but the XXXX mortgage company returned the wire and charged mortgage for the month of XXXX, XXXX, XXXX and XX/XX/2019 despite receiving the settlement several time back from XXXX XXXX XXXX. Please refer to the attached documents reflecting all communications between XXXX mortgage and XXXX XXXX XXXX XXXX. Finally on XX/XX/2019 XXXX mortgage listed the Mortgage as fully paid in XX/XX/2019 but the past due reports for the months of XXXX, XXXX, XXXX and XX/XX/2019 remain in my credit report and despite several letters to XXXX and calls the negative reports still remain in my credit with the 3 reporting agencies, Equifax, XX/XX/XXXX. I have mortgage application and car purchases denied due to the credit score being lowered to the 500, s from the 700, s .Negative reports from XXXX must be deleted with the 3 credit agencies but XXXX refuse to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: CA

Complaint narrative:
I found fraudulent accounts on my credit report I was applied for a credit and I found some one used my personal information and open credit under my name.

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 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
On XX/XX/XXXX I placed an order through XXXX who works with a third-party vendor that third-party vendor never sent that item I purchased through XXXX after multiple request for updates from XXXX and the third-party vendor I submitted a request through my credit card company which is controlled by Goldman Sachs. Goldman Sachs followed up on the dispute in regards to if a purchase was made. Goldman Sachs never followed up on if the item had been received. Goldman Sachs then refuse to follow up on the correct type of dispute and I was charged for a product which I never received

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
SLS Specialized Loan Servicing LLC Mortgage company reported XXXX XXXX Mortgage past due to XXXX, XXXX  and XXXX for the months of XXXX, XXXX XXXX and XX/XX/2019 when the mortgage was paid on XX/XX/2019 by wire transfer from XXXX XXXX XXXX XXXX of Arizona in accordance with the written payoff demand submitted by SLS to XXXX XXXX XXXX. Please see attached document. SLS has not request to the credit agencies deletion of the past due mortgage report despite several calls since 2019 and written demand letter by XXXX XXXX. Such situation has lowered my credit score from the 700, s to the 500, s and  caused denial on mortgae request, refinancing on loans and credit application for 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 2020-02-14 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: MI

Complaint narrative:
XXXX XXXX XXXX {$270.00} XXXX XX/XX/XXXX This is a fraudulent account opened in my name. I have never had anything in my name. 

XXXX XXXX XXXX {$420.00} XX/XX/XXXX This is a fraudulent account opened in my name.

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 2020-02-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally has been calling my phone trying to collect my brothers debt. I've told them numerous times they are calling the wrong person and they still call me. I've been yelled at, hung up on, and I'm tired of 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 2020-02-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A Washington Mutual Loan Amount of {$24000.00} has been reported in my credit report. 

The lender 's address was provided to be XXXX XXXX XXXX XXXX, XXXX, CA XXXX The loan does not belong to me. 

Please confirm that the loan has not been issued for social security number with last two digits ending with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: MI

Complaint narrative:
XXXX XXXX XXXX {$270.00} Opened- XX/XX/XXXX This is a fraudulent account opened in my name. I have never had anything in my name. 

XXXX XXXX XXXX {$420.00} XX/XX/XXXX This is a fraudulent account opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX {$270.00} Opened- XX/XX/XXXX This is a fraudulent account opened in my name. I have never had anything in my name. 

XXXX XXXX XXXX {$420.00} XX/XX/XXXX This is a fraudulent account opened in my name.

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 2020-02-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I lost my wallet some years ago, after this incident I have been getting bills and letter from different places, that's when I started to become suspicious about my identify been stolen, finally I check my credit an found a numbers of accounts that I don't recognize, so I'd Like to report this event and ask for your help to remove these fraudulent accounts from 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 2020-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I paid off the balance on my credit card on XX/XX/XXXX, it was posted to my account on XX/XX/XXXX. Barclay/Upromise then charged me a late fee on XX/XX/XXXX. But there wasn't a payment due that was late since the balance had been paid in XXXX. They charged another late fee on XX/XX/XXXX & XX/XX/XXXX. In XXXX, I received notification from XXXX that I had a negative mark on my credit. At this point, I realized Barclay 's error. I contacted them in XXXX and they assured me they would credit my account for the incorrect late fees. During these months, the credit card had not been used. I received a letter on XX/XX/XXXX from Barclay informing me the account had been closed due to non-payment. My credit limit with them was {$17000.00} and they closed the account for {$80.00} of erroneous late fees. On the XXXX statement, you can see where {$120.00} was credited to the account ; however, I did not make a payment. It seems they were reversing some of the late fees. From XXXX to XXXX, I did not receive a single phone call informing me of late fees or the threat of a closed account. When I spoke to the representative today, they mentioned there were no notes on my account showing attempts were made to reach me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Good afternoon, I am requesting clear legible copies of all checks payable to XXXX XXXX XXXX from XXXX XXXX, 2019 - XXXX XXXX, 2019. Preferably scanned and hard copies. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I was denied credit and a few days later received a letter stating it was denied due to applicant is deceased. I called 3 times and left messages, no one ever calls back. The message says someone will call within 1 business day, its been 5 since my first message. Tried to dispute but I need my consumer report number first. Filed a request for my report and never got it.

Company response to consumer: Closed with explanation