vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I still have not refunded my refund check for my closed account. Every time you call and speak with someone, you're told something different. When I closed the account, the agent gave me no other option than a mailed check. I spoke with XXXX XXXX # XXXX ). I was told it would arrive by XX/XX/XXXX. Having still not received it, I reached out again. I spoke with XXXX who said it was shipped on XX/XX/27. When XXXX first got on the phone, he was unable to locate the check so I asked how he was able to verify it was sent on XX/XX/27 after putting me on hold. He couldn't answer the question after 4 times of me asking so I asked for a supervisor and was transferred to XXXX ( # XXXX ). He said he could not locate when the check was sent out ; just that it would arrive before XX/XX/XXXX. There's no accountability at Capitol One and it's the main reason I closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Long story short I was lied to multiple times by my mortgage company. Who is it you ask Wells Fargo bet you knew that was coming. First I was lied to about my closing cost hitch is the whole reason I chose to refinance with them in the first place. I was then told due to the lie I would be receiving a customer service credit to bring my closing down to the discussed number. This never happened it was suggested to me by a mamber of their team that this money would hurt rather than help and just be added to my mortgage and that it wasnt being issued as a customer service credit as discussed. They completed their investigation and then claimed that I would not be receiving anything as they didnt write anything down on their end. A company that tapes absolutely every conversation has no record of a claim they made multiple times during conversations. I was not told of my closing costs until 30 minutes before my first closing and had to have a second closing because they didnt add an escrow as I asked them probably 10 times to make sure was in their. They are deceptive and quite frankly con artists. I asked to get a call from a member of management to which was refused numerous times. Gentleman on the phone then got loud with me and said they had made their decision I pushed again and supposedly will be issued a call back within 48 hours.

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 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I don't know just found out about a debt for XXXX that I don't owe it was a debt according to my credit report XX/XX/2017 for XXXX XXXX XXXX for education that I never had it says date of first delinquency XX/XX/2017 I've been disputing this cause this is a third party collection which is against the law. I need help to getting this removed from my credit XXXX, XXXX, XXXX. 
Sincerely XXXX XXXX XXXX XXXX Fl

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Hosto & Buchan, PLLC
State: TX

Complaint narrative:
On XXXX, I received notice of a default judgement that had been ordered against me to pay a debt owed to XXXX XXXX XXXX. In the judgement, it was detailed that I had been served with a citation and petition on XXXX at an address I had moved from on XXXX. The move was significant and long distance. I had not received any notice of pending action, nor was I living in the jurisdiction of XXXX XXXX- where the default judgement was brought. This is a clear violation of the FDCPA section 811 ( b ) which requires collection attempts to be made only in the jurisdiction in which the consumer resides at the commencement of the action. 

On XXXX, I contacted the firm that led the debt collection case in an attempt to resolve this matter. They stated that " The best address we had for service of the suit was [ in ] XXXX, Texas XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Since XX/XX/2021 I have been trying to make a substantial payment on my XXXX XXXX Credit Account, only to be stymied by XXXX. XXXX XXXX  and their subsidiary, Synchrony Bank who fail to maintain current addresses and phone numbers with which to communicate my payment information in the amount of {$4900.00}. Meanwhile, they continue to charge me sky-high interest rates on money they would have received weeks ago had they provided a valid means for doing so!

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 2021-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
There is. A fraudulent debt for. XXXX in. The amount of XXXX. That. Was fraudulently put on. My. Locked credit profile as a. Collection. This debt was sold. 3-4. Times and removed previously by all. 3 credit bureaus.. I filed a police report online and in person several years. Ago.. 


This. Fraudulent. Debt was the original cause of my credit file being locked and. I have. To keep having. It removed every few. Years.. 


Credit Resource. Mana has no right to put any charges on my credit and this fraudulent. Charge. Was. Placed on my credit profile from a. XXXX debt that was removed as. XXXX and by several other entities that XXXX  sold the. Fraudulent debt to. Over the years..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 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: FL

Complaint narrative:
TRANS UNION SHOWS THAT MY ACCOUNT WAS PAST DUE BUT I HAD A MORTGAGE FORBEARANCE WITH 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 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I've demanded a copy of all information on my consumer file from each credit reporting agency and have yet to receive this information. According to 15 USC 1681g, I am entitled to all information on file ; sources and report receipts upon request. Attached, you will find a scanned copy of my USA passport ID card in accordance to 15 USC 1681h.

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 2021-10-01 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: WI

Complaint narrative:
I have filed a bankruptcy dispute multiple times each times with each credit bureau not one time has any of them been able to provide me how they verified the information. I have a letter from the courthouse saying they do not verify the information, I also have a letter from XXXX-XXXX  stating that that has been deleted from my account. After sending this information to them they are still saying the account is verified, but from who. All three credit bureaus also are reporting different information. It is an FCRA violation for all three credit bureaus to be reporting different information. They have different reference numbers, different dates filed and the court it was filed with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I went into XXXX XXXX on XX/XX/2021 to buy my wife a birthday gift. The store offered me a card for the purchase but I thought I already had one. When she confirmed that I did not already have a card I agreed to apply for their card. She did not give me an application to fill out but had me enter my social security number on an XXXX. She said I was approved and I purchased the item for {$510.00}. 

Today XX/XX/2021 I received a declination letter from Comenity on behalf of XXXX XXXX. It says I was denied due to my debt to income. It also states that my credit score was XXXX. 

First I was not aware that an application was sent to multiple banks and that I had been denied and second I was never asked for my income for the application. They only obtained my social security number. I was not provided a copy of the application, I was not asked to verify my info, I was not informed that my credit would be pulled by multiple financial institutions, I was not provided any disclosures or any information. 

I called XXXX XXXX and I spoke to the manager XXXX. She was very unhelpful, seemed unaware of how the credit process worked and claimed to not know what exactly is entailed when applying for one of the credit cards. I asked for a copy of my credit application and she stated they don't have them and can't help me. 

I also called Comenity bank and they told me I would have to submit to them a letter in writing and mail it for a copy of my credit application or anything related to the credit inquiry. 

No one is willing to help but they had no issue submitting my credit to multiple banks. They should not be offering credit services if they don't know and understand how it works.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: IA

Complaint narrative:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with Equifax about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who gave Equifax permission to report anything on me? I need answers now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
On XXXX, I received notice of a default judgement that had been ordered against me to pay a debt owed to Ford Motor Co. In the judgement, it was detailed that I had been served with a citation and petition on XXXX at an address I had moved from on XXXX. The move was significant and long distance. I had not received any notice of pending action, nor was I living in the jurisdiction of XXXX County- where the default judgement was brought. This is a clear violation of the FDCPA section 811 ( b ) which requires collection attempts to be made only in the jurisdiction in which the consumer resides at the commencement of the action. 

On XXXX, I contacted the firm that led the debt collection case in an attempt to resolve this matter. They stated that " The best address we had for service of the suit was [ in ] XXXX, Texas XXXX. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: SC

Complaint narrative:
My student loan is with My Fed Loan XXXX Fed Loan Servicing The original loan was {$61000.00} from XXXX. I was told to consolidate my loans into one payment, and I was on forebearance for 2 years due to an injury. I began working for the public sector in XXXX and was told that I was eligible for student loan forgiveness= I registered with the Dept of Defense and sent over all of my documents to Fed Loan Then, during covid- the loans were frozen- nationwide- however - something happened and my loan grew to now almost a {$200000.00}!!!!!!!!!! Loan!!!!!!!!!! How can this happen This costs more than my mortgage. Because I work in the government my salary is already meager- but how can my loan quadruple- - when the government is 'helping ' us I have federal service for over 5 years now- who do I contact for the loan forgiveness program-? most of the HR departments are now being streamlined and are working from home- of-site- I cant afford the inflated over-charged interest and fees that have more than tripled the original loan. I graduated at the top of my class, struggling to pay bills, but still going to school full time... .where is the help for the original citizens of this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have reached out several times to my mortgage servicer ( Loan care ) to review and place me in the COVID-19 Advance Loan Modification as opposed to the partial claim that I have been stuck with, which is still a struggle.

This program that I speak of is as follows ... The COVID-19 ALM will be offered to borrowers currently 90 or more days delinquent or at the end of their COVID-19 Forbearance. This new home retention option is for those homeowners whom a 30-year rate and term mortgage modification will bring the mortgage current and will reduce the Principal and Interest portion of their monthly mortgage payment by at least 25 percent. 

I began sending emails requesting this help before my forbearance fully came to an end and before my first re-instated payment was due but they are refusing to offer this option to me. I sent emails starting XX/XX/2021, then several more after that PLUS phone calls but again, I was not offered this programm

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 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
My wife and I paid-off a residential loan with Fifth Third Bank and I have requested a copy of the reconveyance but they said they won't provide one. They refused and said they will only provide an unrecorded letter. If they don't record a reconveyance the loan will remain on my credit report. I will attach their letter and my notes with bank employees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 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: MO

Complaint narrative:
XXXX XXXX is reporting information to my credit file showing a closed account with an outstanding balance of {$3200.00}. They are also reporting incorrect monthly installment payments of {$400.00}. This is also incorrect. This account was paid in full in XXXX, therefore, XXXX should be reporting a XXXX balance. On XX/XX/XXXX. XXXX, I filed an online dispute with Equifax to report that the {$3200.00} balance reported to my credit file by XXXX XXXX was incorrect. On that same day I contacted XXXX and was told that my account was paid in full. Equifax completed their investigation on XX/XX/XXXX, but did not correct my credit file because, according to them, XXXX XXXX told them that their reporting was correct. I contacted XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX and was each time was told that my account was paid in full and showed no balance owed. 

I am hereby filing a complaint against both XXXX XXXX and Equifax because their reporting errors are negatively affecting my ability to obtain credit due to being over obligated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have filed a bankruptcy dispute multiple times each times with each credit bureau not one time has any of them been able to provide me how they verified the information. I have a letter from the courthouse saying they do not verify the information, I also have a letter from XXXX stating that that has been deleted from my account. After sending this information to them they are still saying the account is verified, but from who. All three credit bureaus also are reporting different information. It is an FCRA violation for all three credit bureaus to be reporting different information. They have different reference numbers, different dates filed and the court it was filed with.

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 2021-10-01 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: WI

Complaint narrative:
I have filed a bankruptcy dispute multiple times each times with each credit bureau not one time has any of them been able to provide me how they verified the information. I have a letter from the courthouse saying they do not verify the information, I also have a letter from XXXX stating that that has been deleted from my account. After sending this information to them they are still saying the account is verified, but from who. All three credit bureaus also are reporting different information. It is an FCRA violation for all three credit bureaus to be reporting different information. They have different reference numbers, different dates filed and the court it was filed with.

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 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2021 CBNA XXXX Fl pulled my credit without my permission, on XX/XX/2021 XXXX XXXX XXXX XXXXXXXX Va pulled my credit without my permission, on XX/XX/2021 XXXX XXXX XXXXXXXX XXXX, SC pulled my credit without my permission and I want them to removed these off my credit report on XXXX Sincerely XXXX XXXX XXXX Fl

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 2021-10-01 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: IA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and XXXX XXXX  and Navient. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}. The Account Opened is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted 13 letters with my Passport and Social Security card showing the correct spelling of my name and Experian refuses to correct my name on my credit report which causes a problem when I apply for credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XX/XX/2020 XXXX XXXX and Mazda Financial Services presented me with a false and deceptive piece of documentary evidence presenting itself as a Consumer credit transaction. I proceeded with the transaction only to find fraud committed against and my Consumer rights violated pursuant to the Truth In Lending Act, Fair Debt Collection Practices Act, Fair Credit Reporting Act & the Equal Credit Opportunity Act.

Company response to consumer: Closed with explanation