vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I want to understand why are banks charging customers for past due interest during the Covid-19 Mortgage forbearance process? I can call out two specific banks, XXXX XXXX XXXX  and Quicken Loans. Both are charging customers interest that would have been part of missed payments during the forbearance and by default increasing principal balance of mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: AES/PHEAA
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I am still trying to figure out what happened as nobody at the hospital I spoke to would give me any information. I noticed a new account in collections on my credit report on XX/XX/XXXX from Wakefield & Associates collection agency for {$820.00}. They received the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had no knowledge of this account until my credit monitoring sent me an alert. The only time I used XXXX XXXX XXXX was back in XXXX and paid that in full years ago. The current account in collections, which I do not have the acct #, was put into collections in XX/XX/XXXX from services on XX/XX/XXXX according to someone I spoke with from the collection agency. The account is not mine. I did not receive any treatment from XXXX XXXX XXXX in XX/XX/XXXX or any other time besides in XXXX. I believe someone is committing identity fraud with my social security number and XXXX XXXX XXXX did not take the necessary steps to prevent this. I requested a written explanation of the account via fax to XXXX XXXX XXXX and Wakefield and Associates collection agency. I also filed FTC report # XXXX and disputed this with each of the three credit reporting firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: MA

Complaint narrative:
Equifax continue to violate the FCRA with XXXX XXXX XXXX account XXXX. This account has been illegally Re-Aged from XXXX to XXXX. Re-aging account is a very serious violation in reporting by Equifax. I have provided proof documentation directly from the credit report circled and highlighted for the CFPB review. I have listed the multiple violations of the FCRA below for the CFPB review.

(

1 ) Violation of the FCRA illegal Re-aging account. ( 2 ) Violation of the FCRA not putting the required notice of dispute in comments after I have disputed this account multiple times. ( 3 ) Violation of the FCRA inconsistent reporting by Equifax with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: IL

Complaint narrative:
Throughout the WHOLE year of 2021 I have been in contact with Transunion to advise them that the bankruptcy reported were incorrect I have MAILED, did online disputes with proof from the source XXXX XXXX that these bankruptcies are incorrect and have been deleted. However the only response is that this information has been verified with no proof. Proof has been requested and still no results. The only company that has acknowledge and fixed is XXXX with no hassle.

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 2021-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was solicitated from a company representing XXXX  who was fronting for a loan from wells fargo for a ppp loan. I was collecting unemployment insurance actually XXXX since i had XXXX XXXX. I was not told that you can't double dip ( collecting a ppp loan and pua ) so after research i decided i didn't want the loan and notified all parties in involved. They processed the loan without my permission and on XX/XX/2020 i waited online at XXXX for hours ( they were letting in one person at a time ) and wired transferred the entire amount plus {$30.00} for the wire fee back to them. see attached. to this day i'm still getting emails to apply for loan forgiveness. wells fargo not only doesn't acknowledge receipt they are screwing up my credit doing so. I have all parties no less than 15 times each without any success. My loan is still outstanding over a year later even though the money was wired and received. Please help. I've gotten nowhere

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 2021-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
Obtaining loan from onemain from the dealership and was denied but still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Union Credit Corporation
State: GA

Complaint narrative:
These debt obligations are and were the responsibility of another entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: COMMERCE BANK
State: VA

Complaint narrative:
I set up a {$75.00} payment towards my Commerce Bank credit card balance on XX/XX/2021 using my credit union 's Bill Pay electronic transfer service. 

My credit union shows the payment being applied on the Commerce Bank account due date of XX/XX/2021. 

Commerce Bank claims this payment was not received on time ( with no evidence provided ) and was not processed until XX/XX/2021, incurring a {$30.00} late fee. 

One Commerce Bank representative told me over the phone that the bank does not have to process any payments it receives until they choose to. 

In this case, it appears that this payment 's processing was purposely delayed, including over the XXXX XXXX holiday weekend, in order to assess late fees from myself and perhaps many other customers. 

Commerce Bank concluded without evidence that there was no " bank error '' and therefore would not refund the late fee. 

I have since terminated my account with Commerce Bank and advise others to avoid their products.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Credit denied while obtaining from the dealership but still shows on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 I noticed a Transaction Rebill on my account in the amount of {$190.00} for a charge from XXXX, which I had previously disputed because the Merchant refused to address the issue of a return due to incorrect sizes. I had previously provided the emails between the merchant and myself regarding the returns, and an Itemized list detailing the original order to Capital One. 

Case Number XXXX A few weeks later I received a letter from Capital One asking for MORE documentation, of which none existed. I do not remember if I contacted them at that time. 

XX/XX/2021 When I called Capital One regarding the Rebill, they stated that the Rebill would not be removed because I failed to provide documents which did not exist. I became upset and told the representative to close the account. 

Upon looking for another charge unrelated to this matter, I saw that Capital One did NOT " Close '' the account, but " Restricted '' the account in order to continue charging me Late Fees and Interest until the Balance was paid in Full. I told them that I refuse to pay Late Fees and Interest on an account that I had asked to have closed. I have every intention of paying the Principal on the account, however, since Capital One policy intends to disregard my request to CLOSE the account and behave as if the account was Active and simply Restricted in order to collect more proceeds, I am writing this complaint to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: AZ

Complaint narrative:
Mailed all relevant info ( ID ) to Experian on Friday XX/XX/XXXX in order to temporarily unfreeze my credit. 
Additionally contacted Experian by phone today in order to expedite matters, giving my pin to unfreeze. Only informaton available was to the advice to do what I've already done. Apparently no unautomated agent was available. 
I believe that 3 days is the max allowed to accomplish this process.

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 2021-10-07 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: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNT IS STILL FOUND AND NEEDS TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: NY

Complaint narrative:
I pay my son 's Discover card balance as well as my wife 's Discover card balance from my XXXX checking account. This month Discover misapplied {$3100.00} intended for my wife 's account/balance to my son 's account. On XX/XX/2021 I contacted Discover and advised them what they had done. They stated that there was nothing they could do to correct the problem ( they had caused ) as I did not have a Discover account. After my wife and myself were bounced from multiple customer service reps, Discover said they would try to credit my XXXX account with my {$3100.00} as I requested. The {$3100.00} that had been credited to my son 's Discover account in error has been reversed but I have not received my {$3100.00} to date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I pulled my credit report and seen the negative items reflecting on my report for some reason and I dont think or believe it should even be up there because its false and its hurting me from doing what I need to do for my family and it need to be removed. I wrote up a dispute letter on XX/XX/2021 and sent it out certified so I can keep track of my letters because the credit bureaus are quick to say they didnt receive anything. Im also going to attach my the letter here with my proof of address and return receipts for when I sent out my letters. Please help me with this matter I would greatly appreciate 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 2021-10-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I pulled my credit report and seen the negative items reflecting on my report for some reason and I dont think or believe it should even be up there because its false and its hurting me from doing what I need to do for my family and it need to be removed. I wrote up a dispute letter on XX/XX/2021 and sent it out certified so I can keep track of my letters because the credit bureaus are quick to say they didnt receive anything. Im also going to attach my the letter here with my proof of address and return receipts for when I sent out my letters. Please help me with this matter I would greatly appreciate it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Navient is transferring my loan to a new service provider, which I was only informed about over the news. This week, I received an email about setting up auto-payments through Navient when loan repayments are supposed to start, with no mention about transferring my account or why they would need to re-start auto-pay. 

I tried to call their offices to answer my questions directly, which are not found on their website, emails or mailings. I was given an automated caller run-around, and never given access to a human to talk about the changes coming to my account in the next 4 months. Navient will not communicate with the borrowers it is servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
In regards to my loan that has recently been transferred to SN Servicing Corporation. 

Further, we are requesting and have not received a QWR. There are also irregularities in the modification for {$220000.00} forgiveness amount. Please see modification attached. 

Account number : XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: NC

Complaint narrative:
I have sent several dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. I keep getting a response from them saying they are unable to locate my credit file and need additional information even though I already provided it multiple times via certified mail. The company has been in violation of the FCRA for over 150 days now and I would like some action taken to get this resolved. My patience is wearing thin and I am about to file a lawsuit if this does not immediately get resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. Please take a look at the information I am sending. This is the last time I am sending this information to you. If Equifax continues to fail to look into this matter then I will hire an attorney and use the law to the maximum extent. Please resolve this as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime had closed my account days ago which I I didnt care about because they got upset I contacted the FDIC and as well corrected them to not call me by my first name. Its either XXXX XXXX or XXXX XXXX since I am a XXXX XXXX XXXX. And as well XXXX XXXX is respectful Im not their friend so anyways I didnt care and as well they are the worst bank. 

But anywho. I got a notification email saying they solved my disputes. One for {$130.00} the other for {$83.00} and {$100.00} my account was in a {$49.00} close to {$50.00} negative balance so I should get a check in the amount of XXXX  or so. 

I emailed them since they dont let you talk to anyone on the Phone as well why I say the worst bank. So I contacted through email and they failed to respond to let me know so I told them its fine I will contact who I need. 

Also I had a dispute for XXXX which I submitted them the evidence Claim ID : XXXX. Now with that they send me an email saying We reopened your claim based on the additional information you provided. We have completed our investigation and determined that an error did occur. 

As a result, credit in the amount of {$75.00} was posted to your account on XX/XX/2021 and in the amount of {$8.00} was posted to your account on XX/XX/2021 and any applicable fee ( s ) have been reversed. The credit is considered permanent and we have closed this dispute case. 

Now that was false because before my account was closed I looked at my transaction history and {$75.00} was never posted on XX/XX/XXXX so they only gave me {$8.00} back which when I say they I mean chime. So chime need to refund the rest of that money because again I know what I seen I followed by the date they said it posted to my account as a refund and it was not there this order was placed XX/XX/XXXX and refunded it same day. A refund takes 3-5 days with so refunded could have posted any where from the 13 to the 15. 16 the latest and again I sent chime my transaction from The XXXX to show there was no credit posted that day for the full XXXX or the XXXX they were claiming and they have the nerve to give me {$8.00} back. So they need to go and fix that and give me my rest of my back then not only will it be the XXXX already on my account but the additional check for XXXX and whatever other dispute they have open to solve then that should conclude or business but other that that they need to find my XXXX check to me and they need to finish that dispute and any other properly.

Company response to consumer: Closed with explanation