vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-03 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: TX

Complaint narrative:
I had a total loss fire on my equipment. I immediately filed claim with my insurance company. This was in XXXX of XX/XX/2018. The finally paid my equipment loan off in XX/XX/2018. I couldn't continue my business without equipment to operate. The insurance company XXXX XXXX should have paid after 45 days. I had keep in touch with XXXX XXXX XXXX XXXX XXXX as well. They have my account listed as a paid charge off. XXXX XXXX and Equifax still have this as paid charge off.. This brought my credit score down XXXX points. Im just now getting it back. Not Fair Business. I bought insurance to cover me in case of loss. Instead I lost my business and my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a total loss fire on my equipment. I immediately filed claim with my insurance company. This was in XXXX of XX/XX/2018. The finally paid my equipment loan off in XX/XX/2018. I couldn't continue my business without equipment to operate. The insurance company XXXX XXXX should have paid after 45 days. I had keep in touch with XXXX XXXX XXXX XXXX XXXX as well. They have my account listed as a paid charge off. XXXX XXXX and XXXX still have this as paid charge off.. This brought my credit score down XXXX points. Im just now getting it back. Not Fair Business. I bought insurance to cover me in case of loss. Instead I lost my business and my credit score.

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 2020-10-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
To whom it may concern, This is the second time I am filing a complaint about this mortgage company. The last one filed was XX/XX/XXXX and was resolved around the beginning of XX/XX/XXXX. COMPLAINT ID XXXX. I am hoping that your agency still has that on record. Once they sent letters to you and myself, things were fine for a couple of months. Starting in XXXX though, it all started back up again. I was getting mail notices and phone calls saying that I was behind on my mortgage, however I am not! I have made numerous attempts to contact XXXX XXXX who had been my point of contact but is no longer, as far as I can tell. Today when I went to pay my mortgage online like I normally do, Shellpoint has blocked me from making a payment, this also happened prior to my last complaint. I am also blocked from making a automated phone payment and when I call the company, I am directed only to what I assume is a new point of contact who does not answer and possibly has a full voice mail. I have been told by the company that because of the type of loan I have, their system does not recognize it and so payments are not applied to the remainder of my loan. They did though say in writing to you and myself, that this would be resolved ( XX/XX/XXXX ) after many attempts to contact him, on XX/XX/XXXX I did receive a response email from XXXX XXXX stating that he would add in additional comments to my account, which should straighten things out. Apparently that did not happen as I am now blocked from making payment. I am at a loss and beyond frustrated with having to deal with this and it's now been almost a year, since it all started. Their next move, if it is to be like last time, will be that I get a letter from an attorney about foreclosure. This is truly unacceptable, my credit has been affected and well I am very tired of having to spend so much of my time either trying to call them, emailing with little or no responses, answering their calls from the people they hire to call to tell me I am behind in payments, when I am not, and writing letters of complaint. I can not stress enough the fact that I have not so much as been late on any payments in the past 10 or so years. Please help me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX my cash app took XXXX $ off of my cash apl card account. I tried contacting them. I wasn't successful at all. 0

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: VA

Complaint narrative:
i have recently contacted this company and inform the that the debt that they say i owe is not mines i also have sent letters out saying this debt is not mines i need this debt remove from my credit report ASAP if this continue i will have to use legal action and i dont want this to go that far please contact all credit bureaus and like them know the debt is not mines

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: TX

Complaint narrative:
The last four of my social security number is XXXX. Please investigate the following information. XXXX XXXX # XXXX. The address for this creditor is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete this account. The term duration is incorrect. Correct it or delete this account. XXXX  # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high credit amount is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete this account. XXXX XXXX # XXXX Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. The public record # XXXX. I contacted the bankruptcy court concerning this account and they told me they have no record of this under my personal information or social security number. They also told me they do not report anything to credit bureaus for no bankruptcies at all. I have also contacted the data furnisher XXXX XXXX you have listed on my report and they also conveyes to me they do not have any information under my complete name, address, date of birth and full social security. Please remove this Public Record of my report for false reporting. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I disputed the account with the credit reporting agency, contacted the original creditor who verified there has never been an account under my name, date of birth, or social security number. Yet the collection agency doesn't remove the negative and false information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: PA

Complaint narrative:
Account has been closing due to a new address changed since XX/XX/XXXX for fax or send they received one on XX/XX/XXXX I have been calling every day. The one they received on the XXXX they said it was not valid and I was not informed until I called on the XXXX Of XXXX that the fax I sent in on XXXX XXXX was not valid I sent a fax on the ninth or the XXXX the XXXX if youAnd the first my card is not active and I keep getting different time frames nothing has been done

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 2020-10-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
I had a three yr lease on XXXX XXXX XXXX. My lease expired before the XXXX models were released, so I extended my lease on month to month basis until new model year was released. My monthly payment for the extended lease was {$950.00} a month. In XXXX I entered into a new lease. My XXXX lease ended on XX/XX/XXXX. I paid XXXX invoice on XX/XX/XXXX. I entered into a new lease on XX/XX/XXXX as the XXXX falls on a Sunday and there is no way to return or accept a vehicle as dealers are closed. On Monday XX/XX/XXXX, I took delivery of XXXX and returned XXXX. I requested that my XXXX payment of XXXX be returned to me. XXXX XXXX denied my request after repeated calls, saying I should have returned the car on Sat the XXXX. My reply was that 1. I had paid to use that day in my lease 2. my new car was not ready 3.And that the monthly lease expiration fell on a Sunday. They refused, even with me buying a new car from them. Thus I wound up paying {$950.00} for one day of use.

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 2020-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
On XX/XX/XXXX, Option One Mortgage Corporation, a California Corporation said they gave me a loan and were the lender on that closing day 's Mortgage, but were neither registered with the California XXXX XXXX or with any of the other 2 liscensing California Div. of XXXX XXXX or the XXXX XXXX XXXX XXXX. I do not believe XXXX  was the source of those funds as an investor # XXXX has been claimed by Ocwen Loan Services of Florida. But other Servicing cos. such as Option One Mortgage Servicing, XXXX, XXXX XXXX, Ocwen Loan Servicing and PHH of Ohio are involved. 
Ocwen was named as a debt collector to me as both the Lis pendens filed for a court action in XXXX and in many letters filed back & forth to my home as a debt collector. Ocwen and all the other named companies never answered any questions about the right or authority to make any offers or modifications to any loan or for the rights to be XXXX or require pymts. to the m from me for a mortgage that did not have their name on it or any pother company on it than XXXX. 
So, I want to see the source of the funds on the wire transfer sheet for that day, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Opened my online accounts savings and checking XX/XX/XXXX XXXX and XXXX to transfer money to my other accounts and money to help with family emergency and the bank has now took my accounts and I no longer have access to them they put them under my boyfriend fiances s.s.number and name the accounts were not ever in his name or anything else there were no documents ever signed by me or any other email phone call sign to add him to anything ... on my accounts I contacted bank wellsfargo and they gave me a case number only one one account and now are saying nothing is there XXXX in one XXXX in other. I have proof of original accounts and money I tried to transfer with there emails to

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 2020-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc.
State: CA

Complaint narrative:
I complain about interests fees 2 months ago every since then every month now and I'm being charged for XXXX a month for monthly fees, and also I'm being charged XXXX for yearly fees, and this is only a XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: Navient Solutions, LLC.
State: CO

Complaint narrative:
Covid 19 - in violation of Federal Collection Laws There are two separate federal Acts in place in which prohibit AGGRESSIVE collection of student loan default. 

Navient / XXXX XXXX XXXX Navient / XXXX XXXX XXXX Also the school / schools in collection both filled for Bankruptcy so where is the EXTRA collection monies going if these schools filled for the equivalent of a chapter personal chapter XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: TX

Complaint narrative:
The last four of my social security number is XXXX. Please investigate the following information. XXXX XXXX # XXXX. The address for this creditor is incorrect, correct it or delete this account. The account type is incorrect, correct it or delete this account. The term duration is incorrect. Correct it or delete this account. The loan type is incorrect. Correct it or delete it. XXXX XXXX  # XXXX. Date open is incorrect, correct it or delete it. Date closed is incorrect, correct or delete this account. The high balance amount is incorrect, correct it or delete this account. The payment history is incorrect, correct it or delete this account. XXXX XXXX # XXXX Date open is incorrect, correct it or delete it. Date closed is incorrect, correct or delete this account. The high balance is incorrect, correct it or delete this account. The public record XXXX XXXX XXXX PENNSYLVANIA # XXXX. I contacted the bankruptcy court concerning this account and they told me they have no record of this under my personal information or social security number. They also told me they do not report anything to credit bureaus for no bankruptcies at all. I have also contacted the data furnisher XXXX XXXX and they also conveyed to me they do not have any information under my complete name, address, date of birth and full social security. Please remove this Public Record of my report for false reporting.

Thank you.

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 2020-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
I was reviewing my consumer report when I noticed this collection from Americollect Inc. 
I don't know what this is for, therefore I sent a debt validation request on XX/XX/2020 and based on tracking it was received by Americollect Inc. on XX/XX/2020. I only received a statement however this still does not validate my request pursuant to15 USC 1692g.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: ID

Complaint narrative:
I have made my payments on time going back a long time. Sometimes it is close to the due date, but they keep hitting me with Late Payment Charges and I have to call them to try to get it removed. I even noticed it on my Credit Report a few months ago and had to dispute it. Each time I call and fight with them over it, they give me a credit for the late fee that I should not be getting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Elevate Recoveries, LLC
State: VA

Complaint narrative:
i have recently contacted this company and inform the that the debt that they say i owe is not mines i also have sent letters out saying this debt is not mines i need this debt remove from my credit report ASAP if this continue i will have to use legal action and i dont want this to go that far please contact all credit bureaus and like them know the debt is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I requested a credit line increase on a credit card from Wells Fargo and specifically told them I did not want them to look at my credit report. They insisted it would not be touched. 

A letter dated XX/XX/XXXX with a XX/XX/XXXX credit score from XXXX  were provided. This was an illegal use of my credit report.

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 2020-10-03 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: MS

Complaint narrative:
Transunion continues to remark that XXXX XXXX is reporting Chapter XXXX Bankruptcy for me. I have never filed bankruptcy. XXXX XXXX has stated to me that Transunion must be coding their report of account being affected by Covid as bankruptcy. XXXX has emailed Transunion - Yet, Transunion most recently coded it again as bankruptcy on XX/XX/2020. 

I am attaching email communication from 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 2020-10-03 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: CO

Complaint narrative:
Covid 19 - in violation of Federal Collection Laws There are two separate federal Acts in place in which prohibit AGGRESSIVE collection of student loan default. 

XXXX / XXXX XXXX XXXX XXXX  / XXXX XXXX XXXX Also the school / schools in collection both filled for Bankruptcy so where is the EXTRA collection monies going if these schools filled for the equivalent of a chapter personal chapter XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, This is the 2nd time we have done an international transfer through Bank of America. The first transfer we didn't realize that Bank of America had the incorrect exchange rate on their site. We purchased goods from our XXXX XXXX in XXXX and when it received his money, he didn't have the total he requested. We then had to pay an approximate {$180.00} to him to make up the difference. We did a transfer today, and yet again, the exchange rate is incorrect. The PKR to USD is XXXX as of XXXX XX/XX/2020, but BOA shows it as XXXX PKR. That is a huge difference. We ended up having to pay an additional {$170.00} to our seller to make sure they received the total requested for their goods. If BOA had the correct exchange rate, this would not have happened. BOA owes me apprx {$350.00} due to having incorrect exchange rates on their site when doing transfers.

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 2020-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
Paid my Nevada State Bank mortgage in full on XX/XX/20 through a refinance with another company. Due to timing of the payoff, a monthly mortgage payment was automatically deducted, resulting in an overpayment of {$1100.00}. Rather than refund these funds to me immediately, the automated telephone response informed me the funds would be reimbursed within 20 days. When I did not receive the funds after 20 days, I called and waited for over 48 minutes to speak with an actual customer support person. I was informed the 20 day period was not correct and it would actually be 30 days while they " analyzed '' my account. The account is paid in full and there is no reason to analyze anything or withhold funds belonging to 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 explanation