vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I tried disputing by mail and online, they have yet to inestigate

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 2020-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UMB FINANCIAL CORPORATION
State: MI

Complaint narrative:
UMB bank first approved my application ( XX/XX/2020 ) for the checking account with the promotion offer, but later on locked my account with no reason. I already transferred {$600.00} into my UMB checking account, and the lock makes it impossible to access my cash in the UMB account. The online rep is extremely rude and told me there is nothing they can do. 

My name : XXXX XXXX. 
Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX XXXX : XXXX Checking account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: OK

Complaint narrative:
I was never contacted by the debt collector and only knew about the debt from checking my credit. I have still not received a letter or a phone call from the company verifying the debt other than me calling to try to resolve it. I have not received a letter or phone call letting me know I could dispute it. Even when calling the company to see what the debt was they never offered me a way to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I contacted RS Clark and Associates regarding a debt I allegedly owe and request validation of that debt. I sent the letter by certified mail to make sure they received it and they did ; it was received in their office on XX/XX/2020 with certified mail # XXXX XXXX XXXX XXXX XXXX. To this day, XX/XX/2020 RS Clark has ignored my request despite it being 72 days since they got the letter. They have not proved this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I was a victim identity theft. I tried to work with the creditor back in XXXX but they refused to work with me on any level. After several years I have spent many months repairing my credit. I hired a credit counselor and a credit/XXXX  attorney as well. My personal information along with several credit card numbers which include the account in question was found on the dark web. Several purchases were made by someone other than me with the account. I have sent a letter to the creditor on XX/XX/XXXX ( signed and delivered ) informing them of what information has been found, the police report filed with the local police department and the report filed with the Federal Bureau of Investigation as well. They have sent me a response stating they will not remove the negative remarks from my credit file stating I opened the account but not referencing the identity theft of fraudulent purchases I spoke of. I sent another response on XX/XX/XXXX ( signed & delivered ) stating everything again and letting them know they have not addressed my original concern and I have not received a response back. I have also sent all this information to the three credit bureaus and two out of the three of them have removed the marks already. XXXX  has not responded to my request nor have they removed the remark. XXXX  and XXXX  have both responded and both removed the negative remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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:
On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. I asked they provide me with the proof of verification via copies of contract or documentation. On XX/XX/XXXX the agency sent a letter stating that they had completed their investigation and the items were not deleted, as requested. They said info was verified. On XX/XX/XXXX I sent a 2nd request for method of verification to send me all documentation provided by agency with my signature verifying this account is mine. On XX/XX/XXXX they sent a letter saying I needed to verify with the collection agency myself. This is the 3rd time I have requested this information since they are reporting this on my credit report. They have failed to do. I want this deleted immediately since they Failed to provide proper validation of this debt. This debt is also reporting as open on XX/XX/XXXX with a deletion date of XX/XX/XXXX. That makes this a 6 year old debt that should not be reporting open and being reported as new with a balance.

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 2020-08-21 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: FL

Complaint narrative:
I was a victim identity theft. I tried to work with the creditors back in XXXX but they refused to work with me on any level. After several years I have spent many months repairing my credit. I hired a credit counselor and a credit/XXXX  attorney as well. My personal information along with several credit card numbers which include the account in question was found on the dark web. Several purchases were made by someone other than me with the accounts. I have sent a letter to the creditors on XX/XX/XXXX ( signed and delivered ) informing them of what information has been found, the police report filed with the local police department and the report filed with the Federal Bureau of Investigation as well. They have sent me a response stating they will not remove the negative remarks from my credit file stating I opened the account but not referencing the identity theft of fraudulent purchases I spoke of. I sent another response on XX/XX/XXXX ( signed & delivered ) stating everything again and letting them know they have not addressed my original concern and I have not received a response back. I have also sent all this information to the three credit bureaus and two out of the three of them have removed the marks already. Equifax has not responded to my request nor have they removed the remark. I have sent them all the documentation sent to the creditors as well as copies of the completed investigations with the other two bureau 's and the removal of those accounts in question. Equifax continues to report XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX  when they should be removed. XXXX  and XXXX  have both responded and both have removed all the negative remarks/accounts that were part of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a loan with US DEPT ED, JPMCB XXXX, and USDOE/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, US DEPT ED, JPMCB CARD, and USDOE/XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21 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: Nelnet, Inc.
State: CA

Complaint narrative:
I have a loan with US DEPT ED, XXXX XXXX, and USDOE/GLELSI. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, US DEPT ED, XXXX XXXX, and USDOE/GLELSI  with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: TX

Complaint narrative:
I contacted Collection Bureau regarding a debt I allegedly owe and request validation of that debt. I sent the letter by certified mail to make sure they received it and they did ; it was received in their office on XX/XX/2020 with certified mail # XXXX XXXX XXXX XXXX XXXX. To this day, XX/XX/2020 XXXX XXXX has ignored my request despite it being 75 days since they got the letter. They have not proved this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA

Complaint narrative:
I have a loan with UAC/CARHOP and XXXX ( Original Creditor : 11 XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, UAC/CARHOP and XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I ordered a couch and a dining table from Macy 's in XX/XX/2020. I was told it would take 2 months to come in. At the end of XXXX, I called to inquire about an estimated delivery date. I was told that the table had been cancelled. Due to not being notified of this, Macy 's offered me a credit towards the price of the couch. 

When the couch was delivered in XXXX, it arrived in the wrong fabric and color. After >8 phone calls to Macy 's to set up a return on this couch and to get the correct fabric/color ordered on the new couch, I had cumulatively spent over 12 hours on hold. I was told several times that someone would call me back to get the new couch ordered, but on each occasion I never received a call. I finally got a manager who  apologized and offered a discount on the couch for the inconvenience. 

When I received my credit card statement, I was being asked to overpay for the couch and that I would receive a credit in the amount of {$290.00} once the current couch is picked up and the new couch is delivered. The email states : " Thank you for your recent inquiry concerning the merchandise you purchased on sales check number XXXX. This email confirms that we requested an adjustment in the amount of {$290.00} due to the concerns that we discussed. This adjustment will be processed once your merchandise has been delivered and charged to the credit account that you provided. '' However, the sales check which is referenced is for {$1100.00} plus {$100.00} totaling XXXX. However, I was told that the {$290.00} refund would be applied to the current amount owed to Macy 's, which is actually XXXX on my bill. The representative ( XXXX ) told me that I would receive a {$290.00} credit on the XXXX, NOT a {$290.00} credit on the sales check which is for XXXX ( there is a discrepancy between the bill and the sales check because I received a credit on the sales check for the inconvenience of a cancelled table order ). 

This issue needs to be resolved and Macy 's has been unable to correctly resolve this after a cumulative 13 phone calls regarding the billing issue.

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 2020-08-21 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: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I have a loan with XXXX and WAYPOINT ( Original Creditor : 11 XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX and WAYPOINT ( Original Creditor : 11 XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am struggling with XXXX XXXX XXXX XXXX XXXX XXXX. They put me onto the lease monthly payment deferment program without my explicit permission. Since I opened a new lease account in XX/XX/XXXX, I have never been late to the monthly payment ( not even a single time ). I do not want to be a part of the deferment program. I do not ( and can not ) know what benefits XXXX receives from local/federal programs at this moment by putting their customers onto that deferment payment program ; however, I do not want to be on that deferment program. Since XXXX reported falsely my account status to the credit bureau I am now having a hard time getting a refinancing. Ive contacted XXXX regarding this very issue multiple times via calls/emails/XXXX  Support teams, and they are not willing to correct their clear mistake putting my lease account onto the deferment program without my clear permission. This ill practice must be stopped. Again, I have never been late in making monthly payments and I did clearly ask XXXX to delist my account from the deferment program. XXXX has refused to correct their mistakes. They placed my lease account onto the deferment program in XX/XX/XXXX, and I contacted them in XX/XX/XXXX to fix that. I contacted them back in XXXX and again XXXX to correct it. It is still remained unchanged. I have spent more than 30 hours to resolve this issue with XXXX in a reasonable manner ; however, XXXX keeps repeating the same nonsense. It is a really frustrating and horrible time-consuming experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV

Complaint narrative:
We purchased a house in XX/XX/2019. We have an escrow on our mortgage account despite we put more than 20 % down. Our property tax is {$78.00} a month. Our mortgage company collects {$390.00} a month from us. The money we paid excessively in XX/XX/2019 was not refunded yet. I made an inquiry for escrow analysis, no respond. I told them we are struggling to pay our mortgage because of the pandemic. We lost our second income. Do they have a right to collect excessive amount of property tax from us? Do they use the money all year for their own benefit? We want to receive our excessive escrow ASAP and have them stop collecting escrow from us.

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 2020-08-21 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: GOLD KEY CREDIT, INC.
State: LA

Complaint narrative:
There are 2 collections with date opened of XX/XX/XXXX that are showing paid with a {$0.00} balance. However, Gold Key Credit, the collection agency that owned the debt at the time that I paid, agreed they would delete these two collection from my credit report as long as I paid them in full. So I did so. Since then, this company is no longer in business and it's impossible to reach someone. I have disputed these two accounts on several occassions as well as tried to reach the collection agency but have been unsuccessful. How is it possible that I've submitted 2 different disputes with both XXXX  and XXXX, the company is out of business, yet they continue to report information that is inaccurate and the bureaus are allowing it. Gold Key Credit made an agreement with me yet have not kept up their end of it. The disputes were sent on XX/XX/XXXX and XX/XX/XXXX. After researching Gold Key Credit it seems as though there was a pattern of them agreeing to these terms right before they went out of business but not actually removing the accounts as they agreed. Instead they have disappeared from the face of the earth.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My identity got stolen, and they opened the account from Capital one. I have been disputing and fighting for my case. Capital one said that I used my XXXX account to paid the debt. And I said whoever stole my identity opened it. They dont believe me. So I filed a XXXX  through XXXX. To proved that I did not open the account through Capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are 2 collections with date opened of XX/XX/XXXX that are showing paid with a {$0.00} balance. However, XXXX XXXX XXXX, the collection agency that owned the debt at the time that I paid, agreed they would delete these two collection from my credit report as long as I paid them in full. So I did so. Since then, this company is no longer in business and it's impossible to reach someone. I have disputed these two accounts on several occassions as well as tried to reach the collection agency but have been unsuccessful. How is it possible that I've submitted 2 different disputes with both XXXX  and Transunion, the company is out of business, yet they continue to report information that is inaccurate and the bureaus are allowing it. XXXX XXXX XXXX made an agreement with me yet have not kept up their end of it. The disputes were sent on XX/XX/XXXX and XX/XX/XXXX. After researching XXXX XXXX XXXX it seems as though there was a pattern of them agreeing to these terms right before they went out of business but not actually removing the accounts as they agreed. Instead they have disappeared from the face of the earth.

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 2020-08-21 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: LA

Complaint narrative:
There are 2 collections with date opened of XX/XX/XXXX that are showing paid with a {$0.00} balance. However, XXXX XXXX XXXX, the collection agency that owned the debt at the time that I paid, agreed they would delete these two collection from my credit report as long as I paid them in full. So I did so. Since then, this company is no longer in business and it's impossible to reach someone. I have disputed these two accounts on several occassions as well as tried to reach the collection agency but have been unsuccessful. How is it possible that I've submitted 2 different disputes with both Equifax and XXXX, the company is out of business, yet they continue to report information that is inaccurate and the bureaus are allowing it. XXXX XXXX XXXX made an agreement with me yet have not kept up their end of it. The disputes were sent on XX/XX/XXXX and XX/XX/XXXX. After researching XXXX XXXX XXXX it seems as though there was a pattern of them agreeing to these terms right before they went out of business but not actually removing the accounts as they agreed. Instead they have disappeared from the face of the earth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
My father XXXX XXXX XXXX passed away XX/XX/2019. We were told he had no will or value to his accounts upon contacting his financial institutions and accountant to handle his affairs. 
I called Wells Fargo and made them aware our father had passed and we sent out all necessary death certificates. 

Still, months later, a mysterious account for my father appeared out of nowhere for him evidencing some money in the account. I do not want to deal with this error as its been hard as it is losing my father. 
I believe some fraudulent behavior occurred in connection with his passing that has resulted in this bank error. He always had XXXX   XXXX  from our knowledge and suddenly he has this mysterious wells Fargo bank. 

I wrote them a letter and there has been endless identity related issues that have resulted in connection with my fathers PII, my PII and daughter XXXX XXXX ( XXXX XXXX ). 

Please assist in any way possible. As I spoke to probate and though my father died in XXXX they will not handle his probate matter.

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