vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I XXXX XXXX had set up auto-debit payments to my loan servicer while being enrolled in paperless statements. So, one month they said I did not set up the auto-pay correctly and put a late payment on my credit report. I work very hard to pay all my bills in a timely fashion. When I called my home loan servicer to discuss this problem they claim the error was my fault and refused to help. In any case, I made the payments and caught up after them putting a late payment on my record and also charging me a XXXX late fee. I feel like I got no help, support and proper explanation for this error. Please help me resolve this issue as soon as possible.

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 2019-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I spoke to a representative on XX/XX/XXXX. He said he was calling from capital one. They've been calling me since XX/XX/XXXX. They call me several times a day. While I'm in school. I told him that I'm a XXXX XXXX with no job but I was going to pay on XX/XX/XXXX. I told them to stop the calls. He told me that it was impossible. They were going to wait a week and if the debt wasn't paid they will call again. I have been getting about 5 calls a day since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am XXXX XXXX. I'm not sure if I chose the correct explanation for what my issue is. But on my TransUnion credit report it shows XXXX collections from XXXX XXXX XXXX XXXX XXXX XXXX. Well first it is not on my XXXX credit report so I don't understand why it's on TransUnion. Anyways, that should not be on my credit report because I did not ever use a credit card to make payments. Second it is not a loan to me not did I ever get money from them as a loan. It's a bail bonds that I paid in cash. And the person which I bailed out went to jail two days after bailing him out. Third you can not put something on my credit report that I did not establish credit from. Please remove this as it is making a hardship for 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 2019-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A judgment was issued against XXXX XXXX XXXX XXXX by XXXX XXXX labor comissioner on XX/XX/2019 and the writ of execution was issued on XX/XX/2019 by the XXXX XXXX courthouse. the writ of execution was served to the Wells fargo Bank in XXXX branch on XX/XX/2019 in the amount of {$3000.00}. Usually they have 10 days to respond but its been 18 days and I have got no response from the bank.

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 2019-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
On behalf of XXXX, Waypoint posted a collection on my credit report, for a debt I was never notified about, for an account that has been closed over a year. Neither XXXX nor Waypoint would agree to remove it from my credit report, even after it had been paid and would cost them nothing. I have also reported XXXX to the XXXX XXXX XXXX over this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Towards the end of XX/XX/2019, I had needed funds to prepare for Hurricane Dorian.  The hurricane actually hit our city which my home and other relatives in the area. The funds were necessary for the preparation, cleanup and repair of damages experienced during this storm. This was the main reason as to why I could not maintain the {$20000.00} balance requirement of this savings product. 

I had pleaded with TD Bank to provide some leniency in their " monthly maintenance fees '' that were applied to my TD Bank Select Savings Rate Bump account for XX/XX/XXXX and XX/XX/2019. After four phone conversations, six in person interactions and a discussion with their social media relations team, I had enough and decided that their response was not only inadequate, but truly spiteful. Despite being a TD Bank customer for some time and had a sizeable amount of funds in the account in that time, there was not an ounce of sincerity or kindness in their actions towards me. 

Time after time again, the bank refused to waive the fees and actually ridiculed my decision to take out these funds to repair damage caused by the hurricane. Two fees are in question with this complaint : 1. XX/XX/2019 : a fee of " {$14.00} '' described as a " Maintenance Fee ''. 
2. XX/XX/2019 : a fee of " {$14.00} '' described as a " Maintenance Fee. '' The bank provided no timely guidance to me as ( 1 ) how to switch over to a different product that would have lower minimum balance requirements ; ( 2 ) provide any guidance for how to refund or waive these " maintenance fees '' and ( 3 ) failed to assist with resolving my concerns, despite numerous attempts of reaching out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony has gone ahead and monopolized all credit cards, and is now charging XXXX for late fees because their cut off time is un-apologetically not on pacific standard time, have attempted to get fee reversed and they have profusely declined along with giving bad customer service dependent on which store the call is made for.

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 2019-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
While employed with XXXX XXXX XXXX, I had some lab tests completed at XXXX XXXX. My employer provided medical insurance and laboratory tests were a covered without a co-pay. XXXX XXXX has placed my debt in collections although the debt was paid through insurance. I have attempted to resolve this issue several ways, including talking to both the insurance company and providing XXXX with a contact person, patient number, etc. XXXX refuses to remove the debt from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
Lonestar title loans keeps harrasing us and calling our references and harrasing them after I have told them multiple times we are not able to pay back the loan due to loss of employment. I've advised them on XX/XX/2019 at XXXX for the 20th time they can come get the car and where it is located and they stated they don't want the car and they are gon na continue to call and harrasing until we pay and that the calls will not stop to us or the refs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclay 's Arrival Plus had a promotion of a sign-up bonus for XXXX miles if you spend at least {$5000.00} within the first 90 days after opening. On XX/XX/2019 I was approved. I had until XX/XX/2019 to spend {$5000.00}. 

Twice before the due date I called Barclay 's customer service confirming the date and the amount I have left to spend. Both customer representatives also referred me to check my account online on a tool called " Spend Analyzer '' to determine how much I spent up to that point. This tool is inaccurate. It includes credit card fees that aren't counted toward to {$5000.00} requirement, but I wasn't informed that nor were the customer service representatives aware. 

After my 90 days passed, I fully expected to receive my bonus. I called customer service and they said I didn't meet the requirement. I thought this was a miscalculation on their part because I downloaded my statement and it showed I was over the {$5000.00} and matched the Spend Analyzer. I opened a case so they can review if I spent enough. It wasn't until later that if I removed the fees, my calculation matched the customer rep. But the company never contacted me back after they closed my case. 

I called again and spoke to a customer service manager. This time reporting that their tool was misleading and that I would absolutely have spent the $ XXXX I was short to earn {$700.00} in rewards if I had known the true calculation. Who wouldn't spend {$15.00} more if it meant {$700.00} back? They opened a new case. I was still not rewarded the bonus nor did they contact me back.

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 2019-10-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
i have submitted a fraud identity report from the police department as well as a FTC Idenity theft report I also uploaded documents via CFPB portal to all 3 credit bureaus advising that these 3 medical accounts are not mine I submitted my health insurance card and also my HSA visa card with over 2800.00 for medical expense I have been insured for over 6 years with the same health provider. these are not my medical accounts and I want these items removed ASAP if you r bureau has already removed please disregard. please review recent documents submitted by the CFPB in refrence to these accounts XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-10-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: WA

Complaint narrative:
CashApp closed my account that has existed for a couple of years. No warning. Nothing. They are refusing to communicate any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, THOSE ACCOUNTS NEEDS TO BE REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THE DEROGATORY ACCOUNTS OFF MY FILE

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 2019-10-14 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: DC

Complaint narrative:
On or about XX/XX/XXXX, agents of Equifax received an Affidavit of forged endorsements, an FTC identity theft report, an IRS identity theft affidavit, and a USP ID theft report pursuant to the FCRA 605 B. ( USPS tracking # XXXX   XXXX XXXX XXXX XXXX ) The fraudulent account ( s ) outlined in herein were in fact deleted from my consumer report. On or about XXXX XXXX XXXX, I was  informed that my information was impacted by the Equifax Data Breach. Soon after I filed a claim of injury under the data breach  and re-submitted the documentation through the online porthole. Upon information and belief, the fraudulent activity on the accounts was due to the data breach. ( Ref # XXXX ) On or about XX/XX/XXXX, I received a consumer report from Equifax stating the account ( s ) were reinserted to my credit file. ( Confirmation # XXXX ) Upon information and belief agents of Equifax willfully, knowingly and spitefully reinserted account # XXXX to my consumer file due to my complaint through the data breach porthole.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Texas Guaranteed
State: MO

Complaint narrative:
Trellis company is insistent they i owe for two student loans in the amount of XXXX and XXXX dollars respectively. However, not only have i never procured a loan from this company or any other student loan guarantor, I have never been a student, considering I began to serve in the U.S. military directly after my high school tenure and have remained XXXX since XX/XX/1998, thus proving that I have not been a student since XX/XX/1998, and could not have applied for any student loans. I have contacted the US Department of Education, the local police, and the ftc in regards to this matter. This company is tarnishing not only my good name, but my hard earned credit worthiness as well by placing this fraudulent account on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I made a payment on XX/XX/XXXX to my XXXX credit card. Payment was accepted with confirmation XXXX. I never received notice that they didnt get the payment. And I never saw it returned to me. Now I have a payment past due when I did make the payment on XX/XX/XXXX. This will affect my credit because they couldnt process the payment correctly because according to the gentleman I spoke with, this happens all the time. What I dont appreciate is the lack of communication that the payment didnt go through when it was accepted in the first place and then just brushed off with it happens all the time. This affects their customers credit when they cant even process payments for whatever reason they have. I dont like the answer I was given and I want them to remove the past due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc.
State: CA

Complaint narrative:
This company has sent several debt collection notices for laboratory bills that we did not receive a bill for. Ever time I have tried to pay online and their site has been down. The bills the send are dated about 2 weeks before they arrive. The whole things looks very fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, THOSE ACCOUNTS NEEDS TO BE REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THE DEROGATORY ACCOUNTS OFF MY FILE

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 2019-10-14 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, THOSE ACCOUNTS NEEDS TO BE REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THE DEROGATORY ACCOUNTS OFF MY FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
my account was closed by the company. they told me that they would return my call to explain why. i have a balance on the card and have never made a late payment. i was told to reapply for the card but when i tried i was denied. i have an excellent payment history and very good credit. customer service was absolutely terrible with long wait times and customer service members that could not give me any answers.very very unprofessional customer service. i called a total of 3 times and was hung up on.

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 2019-10-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
I have disputed this bill from the beginning, This account is over 3 years old. I have asked for them to verify the charges and explain to me what exactly they are collecting. I had XXXX for about 4 months before I moved. They were unable to service my new address and I had to cancel service. I returned the equipment and paid the last bill. I started getting collection calls and asked for an explanation in which I still have not gotten. I spoke to a rep from this office today and she told me that the equipment was to old and held no value and the charges have been past on to me. I explained to her that I only had possession of the equipment for 4-5 months. The rep then told me she's not sure what the charges are. This was originally placed with XXXX XXXX collections and then XXXX and they both returned it to XXXX and XXXX and now Enhanced Recovery has ruined my credit by reporting this debit as NEW on my credit report. This is fraudulent information. This debt was reported to my credit report BEFORE I received anything from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
They are reporting this on my credit report damaging it, Knowing that I do not owe this!!!!! It was discharged in bankruptcy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accounts Receivable Consultants Inc.
State: TX

Complaint narrative:
Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit score. 
Date Reported : XX/XX/XXXX Collection Agency Original Creditor Name Date Assigned Original Amount Owed Amount Status Date Status Comments Medical ACCOUNTS REC CONSULTANTS XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} {$700.00} XX/XX/XXXX UNPAID Balance Date Account Designator Code Account Number Creditor Classification Last Payment Date Date of First Delinquency Contact ACCOUNTS REC CONSULTANTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation