vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
On XX/XX/2021, I contacted OneMain for any payment options in which I thought would not be successful. However, I spoke to XXXX that hurried through a deferment options but needed me to sign the deferment documents. I was trying to read the documents however the process was rushed. XXXX stated all I needed to pay-was {$180.00} and told me to call back once I talk to my son. Usually, when the customer had to pay the deferred payment and sign document. However, I trust everything was ok but the information was different than XXXX told me. I was told for my XX/XX/2021 payment a deferment would be done and all I needed to pay was the XXXX. When I called back to make the payment, XXXX stated I needed to pay the exact of {$180.00}. He could not explain why there was balance of {$35.00} I still needed to pay for XX/XX/XXXX. I told XXXX the documents signed should redone because it does not agree with I was told would happen. He stated XXXX was at lunch and sent him a message to contact me once he return from lunch. I feel when you are handling loans or anything that could affect a customer financial, the process nor the customer should be rushed so they can go to lunch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: USForex Inc.
State: NY

Complaint narrative:
On XX/XX/2012, OFX, a company with address at XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX, transferred {$22000.00} from my bank account to transfer the money overseas based on my request. 

After they took the money from my account, OFX inform me that they can not perform the money transfer due to some undisclosed compliance reason. When I request OFX to sent the money back to my bank, they again tell me that they can not do that due to some undisclosed compliance reason. OFX said I have to get my bank, XXXX XXXX XXXX to request the money be send back. I spent a month going to my bank branch and calling various department in XXXX only to be told that XXXX can not help me with this transaction. It is now over a month and I have no way to get my money back from OFX. I don't know if this is a scam that OFX run to keep my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2021-09-13 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: CBC Companies, Inc.
State: OH

Complaint narrative:
Sent Innovis a method of verification letter after disputing several accounts in my credit profile. I did not receive the requested information within 15 days according to FCRA 611 ( a ) ( 7 ). Innovis sent the results within 30 days later and listed all disputed accounts as " verified '' with without further explanation or documentation. Called to speak to a representative and supervisor. They stated that all investigations are conducted electronically through their system, they don't have to send me a method of verification, and a thorough investigation was not completed. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: IN

Complaint narrative:
The student loan supplier is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the student loan supplier verifies the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: IN

Complaint narrative:
The student loan supplier is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the student loan supplier verifies the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.

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 2021-09-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always receive notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and tried disputing it with the company because I had paid it and the website said they received the payment and not my mistake but they didn't remove it. They acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: SD

Complaint narrative:
On XX/XX/XXXX, I authorized XXXX to withdraw my {$150.00} transaction for my monthly premium. This month, however ; I was charged twice. I dont have pay day until XX/XX/XXXX, but I am overdrawn in my account now with pending charges. I called my Bank ( USBANK ) to dispute or atop the pending transaction I didnt authorize, but they told me I couldnt do anything until it goes through. I also asked if I was going to be refunded the overdraft fees for my account being negative, and I was told no, because its not the banks fault. So I am going to be negative on my account and get charged overdraft fees for something out of my control. XXXX also said they only see one transaction, so they can not stop any payments. I tried with Usbank and XXXX to fix this before I get charged.

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 2021-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DocuPrep Xpress
State: CO

Complaint narrative:
I'm pretty sure I was being scammed. A third party ( XXXX XXXX ) contacted me about my federal student loans, not my servicer ( XXXX ) but they said they would reduce my payments and help me qualify for forgiveness if I made sure not to miss any payments, and paid an initial balance of $ XXXX/month for the first five months. I thought they were related to XXXX because they knew how much I owed and what types of loans I had. I ended up giving them two of my paystubs, my debit card info, and my SSN. They had me sign a POA form. I became suspicious because I'm still in my grace period as a recent graduate, and I was complaining about it to my coworkers who said I was probably getting scammed. On XX/XX/XXXX, XXXX XXXX pulled {$190.00} from my checking and told me this would not go towards my principal but towards the people servicing my loan. Today, XX/XX/XXXX, I contacted XXXX and requested additional security to prevent other people from accessing or altering my account. They confirmed that no payments or changes had been made to my account. I contacted my bank to cancel my debit card. I also contacted docusign express directly to cancel my account and request a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13 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: FL

Complaint narrative:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing refuse to legally acknowledge XXXX bankruptcy laws for property ( XXXX XXXX XXXX XXXX XXXX Nevada XXXX ) successfully reorganized to new contract and ultimately discharged in bankruptcy in XXXX confirmation. Practicing inaccurate credit reporting and falsify the servicing for balance of old loan of old debt agreement discharged and restructured in XXXX. Have collected and apply cash payments for the last eight ( 8 ) years against RESPA ; Fair Credit ; Predatory Lending and Bankruptcy Laws for debt collateral ( {$120000.00} ). Unfair, abusive and deceptive practice concerning property rights by attempting to accelerated foreclosure based on XXXX loan with XXXX XXXX XXXX without legal authority. Collecting cash since XXXX ; yet, refuse to apply cash payments paid since XXXX in total {$180000.00} and based on {$310000.00} due for debt and deceptive collection of the amount owed. Sent countless QWR over the last years, as well as, hired attorneys in excess ( $ XXXX ) to help resolve. Most recent action filed CPFB # 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 2021-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America branch on XXXX XXXX in XXXX XXXX has remodeled its branch to include seven office cubicles and only one teller window. I was told by the branch employee that they no longer need tellers for people as you can do all your banking on-line. Meanwhile, the office cubicles are empty - no one in them, and the line is forming in the bank. I said that I felt this was inconsiderate to the average bank goer to be made to wait for services in the bank because there are no employees to help or an infrastructure to support the needs of the community. I was also told that I could not get coinage due to the shortage of coins and to complain to the Federal reserve about this. I asked what the plan was to remedy the coinage problem and I did not get an answer- instead I was told to complain to the Federal reserve . I understand Covid has created many issues for all of us, but service continue in hospitals, police and fire stations, schools etc .... why are the banks not supporting the needs of the community. Every neighborhood should have at least one full service bank branch. Our bank branch has turned into basically a glorified ATM. Please let me know what you can do about this problem. It seems that all I get is run around about this issue.

Thanks

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 2021-09-13 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: CA

Complaint narrative:
Experian reports as negative information ( showing late payment ) the date of the filing of my bankruptcy. 

The creditor is XXXX XXXX XXXX XXXX XXXX ( XXXX ) with three accounts, auto loan, and personal loans. 

I disputed the late payments of all the accounts of XXXX. They corrected or not disputed my statement of never being late. 

Experian shows both, payments current in the month of XX/XX/XXXX ( the month of my bankruptcy filing ) and in red as negative. 

On XX/XX/XXXX at XXXX XXXX  I spoke to an Experian employee ( she refused to give me her name ) and said angrily that it would be corrected by the end of XXXX. It has not happened as of today. 

The Student loans information reporting is being mishandled by the previous holder, XXXX, the present holder, XXXX XXXX XXXX ( both under the umbrella of the US Department of Education, and Experian. What they show, is incorrect.

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 2021-09-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the lists of inquiries that are still reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/2021 XXXX-Date of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC

Complaint narrative:
We closed on our mortgage on XX/XX/2021 and the closing attorney wired the funds to our servicer the next day. Two weeks goes by with no contact and Rushmore returns the funds back to our attorney. Our attorney tried to resolve the issue however Rushmore would not speak to them even though I did sign an authorization release form I called on Thursday XX/XX/2021 Rushmore and they stated they needed to send a new payoff statement. Finally received the letter on Tuesday XX/XX/2021 of which my attorney wired the money again. 

{$250000.00} showing on the payoff letter received dated XX/XX/2021, {$250000.00} wire sent. 

Called Rushmore today, XX/XX/2021, loan still not paid off, showing delinquent on their website and no call from them. As of now they still have to call me back. Not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have inaccurate information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: IN

Complaint narrative:
The student loan supplier is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the student loan supplier verifies the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The student loan supplier is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the student loan supplier verifies the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.

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 2021-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: AZ

Complaint narrative:
PENN CREDIT XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I had phone numbers come in through a private phone number. When I picked up, XXXX from Midland Credit Management identified herself. I do not appreciate numbers coming in blocked or from a private number. This is deceptive, and a bad business practice that is unethical. I included a screenshot of the phone call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13 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: AES/PHEAA
State: IN

Complaint narrative:
The student loan supplier is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the student loan supplier verifies the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: MS

Complaint narrative:
In the month of XXXX I requested a copy of my loan closing documents by phone. I am trying to obtain the Note ( 4 pages ) to provide to the company I am refinancing with. Village Capital has not provided these documents to me as of today. I just made a second request online today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation