vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: NM

Complaint narrative:
In or on approximately 2016 t I went to XXXX XXXX XXXX got a loan. I went into store and paid off the accout with my bank which was fXXXX XXXX XXXX checking account .i notice that the company went to debit recovery solutions for collecting the pat due amount. In the month of XXXX XXXXthe have accesses my credit file 3 times in one month. I called bank to get the information with no response from them. I have a witness to this effect that we walked into XXXX XXXX XXXX and paid off the loan. From and to my understanding it is illegal to hit someone credit report more than once in any given time period

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
- Received a bill from XXXX XXXX for {$160.00} sent a check directly to the company on XX/XX/XXXX. 
- This was the only bill I ever received from the company, and as soon as the bill was received, I mailed a check. 
- Mortgage broker pulled a hard inquiry on XX/XX/XXXX and found I had an account in collections for {$160.00} -- the same amount as the initial bill - XXXX XXXX XXXX on XX/XX/XXXX and spoke to a contact over there who said there was a second, unpaid bill for the same amount ( {$160.00} ), and it had been sent to collections. 
- During my conversation with XXXX XXXX, I paid them in full for the amount on file ( {$160.00} ) - I had never received any notice of this second bill, just the initial one that was paid for the very similar amount. 
- I was never informed in any capacity that this account has gone to collections, nor was I notified that it WOULD go to collections if it remained unpaid. 
- Collection agency did not communicate with me directly in any capacity - If I had known about the bill, it would have been paid immediately and on time before even going to collections. 
- My credit report was spotless and exemplary, above 800, before this incident and has dropped substantially since then to under 700.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 
I submitted my documents on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc.
State: MD

Complaint narrative:
I purchased {$2600.00} worth of Google Play gift cards ( {$600.00} from XXXX, {$2000.00} from XXXX ) on XX/XX/2021, unfortunately, at a request of a scammer who claimed to be my friend involved in a situation of a death due to XXXX XXXX I soon contacted Google support team who successfully blocked the gift cards, which means the gift cards are of no value. 

However, I'm not able to get refunded for the gift cards, as I was quoted with the nonrefundable gift card policy for Google Play gift cards. I would like to seek a fair treatment in this situation as my financial loss can be mended by Google out of consideration of the situation. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover has a XXXX EST cutoff time for payments to post on an account on the same day. On XX/XX/2021 ( my due date ), I submitted my monthly payment at XXXX EST. Despite submitting my payment on the due date, I was charged a late fee because it was after XXXX EST. This policy and/or practice is unfair to credit card customers. Even if payments submitted after XXXX EST can not post on the same day, customers who submit payments between XXXX EST and XXXX EST should not be charged a late fee if submitted on the due date. I have several credit cards with other financial institutions and Discover is the only institution I know that has this policy and/or practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a credit card on XX/XX/2021 with Wells Fargo Credit Card they sent me a letter today XX/XX/2021 that they could not verify my identity and that I would call them. They asked me for my date of birth, my address, my last 4 of the social. They answered me that they could not verify my identity and I had to apply again without asking other questions without asking me for any information to verify my identity, only that I would apply again as if that would not affect my credit. So I asked to speak to another person who refused to help me. I am being discriminated against for being XXXX, I told that person that I had had a mortgage with Wells Fargo and he told me that they did not care, I told him I had XXXX on the credit score and that he had not denied the application, they only had to verify my identity and hang up the call. They want me to apply again I don't know with what intention since the credit is excellent and they did not deny me the card their excuse is that they can not corroborate my identity but they do not give me alternatives to do it I feel discriminated against because of my XXXX  they treated me like 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 non-monetary relief
Consumer complaint received 2021-05-25 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
Rushmore Loan Management Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Rushmore has been reporting derogatory information to XXXX XXXX XXXX XXXX for some time that is incorrect. 

Trying to communicate with them is ridiculous. Of recent since XX/XX/2021 -- I have sent messages through their every available avenue ... message center, phone calls, emails, escalated calls to supervisors with no avail. 

They deny they are reporting anything at all derogatory and that my record with them is good. They state nothing is being reported late and every payment has been made on time. 

I uploaded the XXXX Credit Report reflecting my complaint. This showed the incorrect reporting, of which they continue to deny their incorrect reporting. When I call they say they can not find the report even though I can go to their website and pull the document up. ( And I can pull the Receipt from where they received it. ) I uploaded again today a current copy of my report from XXXX Credit Report to Rushmore which is reflecting the derogatory information being reported by THEM. 

They basically state as of today what they are reporting to XXXX is that I am current and that I have never been late. They are wrong, because they are reporting derrogatory information, but do not want to take responsibility or acknowledge it. They are reporting derogatory information which is previous to their ever having this loan. They are aware that the information is prior to their getting this loan. 

I disputed this information with XXXX  and when I got the response they said that Rushmore is continuing to report the information and did not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo failed to apply payoff of {$230000.00} received XX/XX/21 claiming there was a shortage of {$1700.00}. They did not inform me of this deficiency and as a result I incurred {$100.00} in additional interest. I also believe this is a breach of my promissory note which requires payments to be credited on receipt.

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 2021-05-25 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: CA

Complaint narrative:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE ADRESSES THAT NEED TO BE CORRECTED I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG 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
Consumer complaint received 2021-05-25 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: CURO Intermediate Holdings
State: LA

Complaint narrative:
XXXX is reporting the account with AD Astra Rec inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint. In addition the information XXXX  is reporting does not match the information reporting by the other credit agencies. I have gave them ample time and opportunity to resolve this issue before having to take the route of filing a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reached out to Equifax well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: NH

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX is reporting the account with capital one inaccurately on my report. Upon reviewing my credit report noticing this was still on my report after settlement for pay to delete. I initially sent a request for XXXX to validate the account, and update to good standings. After 4 different attempts they have failed to update this and its still negatively impacting my report. I have disputed this information three times on XX/XX/21, XX/XX/21 and XX/XX/21, and have given them warning that if it was not updated, i would be filing a formal complaint. In addition the information XXXX is reporting does not match the information reporting by the other credit agencies. I have gave them ample time and opportunity to resolve this issue before having to take the route of filing a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am being charged in full for a purchase I have not received - it is a carpet from Home Depot that I was charged on the Home Depot credit card on XX/XX/XXXX and they have sent me a bill and I have not received the carpet as of XX/XX/XXXX and it's likely not going to be installed until later since they still have to come measure before they install and they just scheduled that for XX/XX/XXXX. They charged my Home Depot card the full amount of a quoted service but as of yet I have not received anything. They also offer a promotional 0 % interest for 6 months which will now expire approximately 5 months after I get the carpet ( if the carpet comes in soon ).

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 2021-05-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had a previous complaint, # XXXX, I'm not sure why it closed, as soon as they answered the complaint to you, you closed it. Seems like you would have questioned me to see if their answer was acceptable. I have been communicating with XXXX XXXX at Wells Fargo, since before XX/XX/2021. I paid off a line of credit based on my online balance. They even asked me if I wanted to close the line of credit, or leave it open. I left it open. Then they came back with approx. {$1100.00} in interest that was still owed. I asked for a spreadsheet with information showing me how they came up with this. The spreadsheet clearly shows they carried interest forward over many months while I paid large amounts to pay off the loan, over time. 
My contract with Wells Fargo clearly states : " Application of payments. Payments will be applied in the following order : First, to the accrued but unpaid promotional Finance Charges due : next to non-promotional Finance Charges due : next to any Fees that have been charged in accordance with the terms of the Agreement. The remainder of any payment will be applied first to any unpaid promotional Advances and then to any non-promotional Advances. Promotional Advances and Finance Charges refer to offers to use my Account on special terms that you may make to m from time to time : ... '' Clearly this did not happen or they would never carry forward an " unpaid interest '' amount, when I paid over the payment amount. 
I emailed XXXX XXXX on XX/XX/2021 after I received her response. I asked her for clarification on why this wasn't followed, but got no response. Therefore, I need you to interfere to correct this, or my only option after that would be to take them to court.

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 2021-05-25 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: GA

Complaint narrative:
XXXX, XXXX  and TransUnion has allowed this fraudulent company XXXX XXXX XXXX to report that I owe XXXX {$400.00}. This not right this fraudulent did not send me anything in the mail and how can you just report something to someones credit report before verifying. I informed these people time after time that this account didnt belong to me I requested that this company send me copies of a contract I physically signed and drivers license and ssn number provided to them and used. This company has failed to do so but they reported this my credit report. This is a fraudulent account I never opened and I will contact an attorney if I have to if this account is not removed. This company can not provide anything about me because I never had an account with them and I want this account off all my three report immediately.

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 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, Equifax and XXXX has allowed this fraudulent company XXXX XXXX XXXX to report that I owe XXXX {$400.00}. This not right this fraudulent did not send me anything in the mail and how can you just report something to someones credit report before verifying. I informed these people time after time that this account didnt belong to me I requested that this company send me copies of a contract I physically signed and drivers license and ssn number provided to them and used. This company has failed to do so but they reported this my credit report. This is a fraudulent account I never opened and I will contact an attorney if I have to if this account is not removed. This company can not provide anything about me because I never had an account with them and I want this account off all my three report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Freedom Mortgage, through their subsidiary XXXX XXXX XXXX, purchased the rights to my loan in XX/XX/2020. In XXXX, I was contacted directly by Freedom mortgage to offer a 0.25 % rate reduction at no cost to me, no term reset, no addition to my loan balance. This was provided in both email and on a recorded line. 

After accepting, providing authorization to run my credit, and providing a full package of bank statements, pay stubs, w2s, insurance information, loan agreements for auto loans, and many more daisy chained requests, Freedom delayed the closing for weeks upon weeks at a time, then requesting a refresh of information ( new pay stubs, additional payment information on insurance even through they hold my mortgage, and escrow my homeowners insurance, etc ), and re requesting information that was already provided. The result is now 3 months later that they are ready to close, but my rate lock has expired and will now require me to pay points to process the refinance. 

Per the literal dozens of emails and phone calls that were recorded, there is a clear chain of provided requested information, only to have the company wait 5-10 business days at a time and then request the same documents again. The Company deliberately delayed on multiple occasions to allow the rate lock to expire, allowing them to collect fees to complete this transaction, as well as delay for months what should have been lower payments to the company.

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 2021-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I.C systems Inc report a fraudulent account to my credit report that doesnt belong to me. I asked this company to provide me a contract I signed and agreed to and also a copy of my identification and proof that they have the right person and they refused to. I never had services at XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX I would like for consumer financial bureau to investigate this company for this fraudulent actions and fraudulent made up accounts. This company refused to contact XXXX on three way verification call because they know this account does not belong to me. I will get an attorney for them.if its not cleared out and removed from 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