vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
XX/XX/, I purchased a vehicle that was {$15000.00} and financed it with monthly payments just under {$300.00}. I never was explained an {$2300.00} extra for warranty at dealership. I remember them telling me I'm going to need that and they checked it to add in to purchase. After 3 years of never missing payments my balance was {$11000.00}. 
After looking threw records of payments I noticed that every payment I made the majority went to interest. Some of payments only paid {$50.00} towards loan with the rest of my entire payment going to interest. The entire 3 years the records show my payments for loan and interest always changing. This could only mean one thing and that is the plan was for me to keep paying my hard earned money but never own the vehicle. Why would {$200.00} of a monthly car payment go to interest. Completely set up for failure. When I asked the Wells Fargo auto loan department about the payments being mostly to interest the response was. 
" yeah your interest rate is really high, you could try and get a new lean holder to take over loan ''. 

After I lost my job during pandemic I fell behind and they kept threatening to repo I finally got a job and did what I could but then they demanded {$11000.00} for pay off.

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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Ready Capital Corporation
State: FL

Complaint narrative:
I took out A Ppp loan for my business i completed the forgiveness application to its entirety and they did not forgive my loan instead they switched my loan to a personal loan with 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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
THERE are TWO finacial contracts on the same vehicle with the same vn number make and model different prices under my name although I only executed on one and I am paying for both. The infromation is attached. 

The Car has been vandalized and broken in to severla times while in XXXX I feel as a result I am requesting the Mazda removes the car information from my credit report immediately and I am seeking arbitration for financial remedy and that the car is no longer being reported as financial responsibility because of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NETWORK CAPITAL FUNDING CORP
State: CA

Complaint narrative:
My mortgage was purchased by Network Capital at the end of XXXX. In XXXX XXXX  I was informed that I was late on my mortgage payments, I had automated payments set up and didn't understand how this could be. I spoke with Network Capital to understand the issue, and they let me know that my payment had increased in the short time I had been with them. I informed Network Capital that I was not made aware of this change and would have adjusted my payments if I had. Network said that I would be able to see this from my portal. I let Network Capital know that I never could get access into the portal and Network Capital said that this is an issue others were having in my situation, XXXX XXXX XXXX 's customers that were now Network Capital customers. We eventually got portal access and then attempted to get setup with automated recurring payments through Network Capital now to avoid issues with payments increasing in the future. In XX/XX/XXXXXXXX  I reached out to Network Capital to get the credit deletion letter since my credit has been effected by Network Capitals errors. I also reached out directly to XXXX XXXX to file a dispute to repair my credit. Network Capital denied my dispute. I have since setup recurring payments multiple times in the last several months, however it wouldn't stick even though I have emails confirming the recurring payments had been set. I have more late fees because of the recurring payments failing and have had multiple calls with Network Capital to get this late fee wave that is causing me to show delinquency in my payments continuing, which continues to affect my credit negatively. I have had at least 2-3 calls on average to Network Capital each month this year. I have spoken to Network Capital supervisors ( XXXX, XXXX, and XXXX ) requiring that I get a call/voicemail within a week of our conversations to confirm that payment is received, I have never gotten a call/voicemail back. After talking with each Network Capital Supervisor I never hear back from the same person again. I had my most recent call on XXXX  and demanded that I speak with a Network Capital employee that is above the Supervisors I have spoken with, XXXX is the Manager that was not available to take my call and would call me back within XXXX hours of the XXXX PST call. I need all late charges waves, the recurring payments through Network Capital to stick, and for my credit to be repaired. This has frozen my HELOC with XXXXXXXX XXXX and caused me to spend hours during work hours. The current issue with Network Capital is task # 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 2023-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
The loan was initiated in XXXXXXXX XXXX XXXX. A loan re-forecast, which resets the amortization schedule for the entire loan, was initiated and completed in XX/XX/2022. From that moment on, PMI should have been removed since the auto termination date would have been re-calculated and it would have been found that we met the threshold to have the PMI removed. I reached out to PHH mortgage to request a refund of the unnecessary PMI payments totaling in {$980.00} which they declined multiple times. Their stated reason for declining was the original PMI auto-termination date of XX/XX/2033. This date changed as a result of the re-forecast.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Hello, i have noticed that per my credit report, Bank of America has reported a late payment for XX/XX/XXXX  on my credit report. This was reported to the credit bureaus without my consent. Per U.S. Code below, im asking for proof documentation that i consented for this to be reported to XXXX, XXXX, XXXX, or any other party I am unaware of. Proof of signed/agreed consent to share our transactional history is being requested. Thank you 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does *****************NOT************** include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

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 2023-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I have received communication from Aidvantage that my loan repayment will start again soon after it was on hold during the pandemic. Since receiving that info, I have tried over the last few months to communicate with the company handling the loan with no success. 

When I call, I am placed on hold and then hung up on. I have stayed on the phone up to 45 minutes each time I've called. I have placed over 15 calls to this company. They are my only point of contact as the school I attended during the timeframe of this loan, has been closed for many years. 

I have done everything I possibly can to try and resolve this. I have also communicated via mail with no response. Please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is fraud on my account. I did not authorize any credit reporting on my report. 12 CFR subsection 1022.3. Anything added to my credit report without my knowledge is fraud. There are a lot of discrepancies on my credit report which needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: OH

Complaint narrative:
Continuing harassment via phone and email regarding my deceased grandmother 's debt. They are harassing myself and her former boyfriend that she lived with when she passed away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Paid my Capital One cc bill on XX/XX/23. Called Capital One to see if they have received the payment, They verified that they did then put a 5 day hold on the available credit soni cant use my card. Requested they remove the hold and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
This complaint is a follow up to complaint XXXX and XXXX. I received XXXX telephone messages from a XXXX XXXX in " Judicial Services '' to contact her regarding File XXXX, and she stated that although I had previously contacted XXXX XXXX XXXX, the matter was not resolved. She stated that they had contacted and verified my place of employment, and the Sheriff would either come to my place of employment or home. I tried returning her call at the number she left in my voicemail ( XXXX XXXX XXXX ), and the woman answered XXXX XXXX XXXX. I asked to speak with XXXX, and she stated that she had no one in her directory by that name. I asked her to check because XXXX just left a message with this number, but the woman said she had no one by that name. I asked if this was XXXX XXXX XXXX, a law firm, and she said yes. I asked for the street address so that I could send written communication, and she did not give this information. She then hung up. I called back and another woman answered and said yes, this is XXXX XXXX XXXX, the Corporate Office in XXXX, but XXXX is in Judicial Services. I asked for the street address, and she refused to give the information but insisted that they were an actual law firm. I advised her that I had filed complaints with the FTC and also checked with AMEX to see if I had an account, and AMEX advised ( as previously provided ) that the account matching the last 4 digits of my social security number in the zip code XXXX actually belongs to another individual. I asked for the name of an attorney who works with their law firm, and she stated XXXX XXXX. I asked if it is XXXX XXXX, XXXX, and she said yes, XXXX XXXX in XXXX. I found the name of an attorney XXXX XXXX, XXXX, in XXXX, GA with telephone number XXXX XXXX XXXX and fax XXXX XXXX XXXX. XXXX XXXX XXXX said they could not give me the address of their law firm but that it would be on the papers the Sheriff serves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On XXXX reviewed my accounts in my Citibank app. Noticed my Citi Thank You card was cancelled. Called they closed due to 12 months inactivity and XXXX balance ( supposedly in their XXXX XXXX XXXX ). Called to reinstate had to reopen new account and confirm info even though I have other Citi cards and have banked with them for consumer and business banking. Thirty years a consumer client and a business client since XXXX. So now a hard inquiry will decrease my credit score and I am inconvenienced because a card was closed without reaching out. Have spoke to over a dozen people at Citibank. Does this classify for a class action suit. Have an 800+ excellent credit score and 30 year history with the bank in excellent standing. 

Now they will negatively impact my credit score and cause huge inconvenience!

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 2023-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
XXXX XXXX sent our medical bills to Merchants Credit Association. We had been paying on them but they sent it to the court. I disputed the accusation saying we payed and I even spoke with a representative at XXXX and they confirmed we did pay. My husbands wages were recently garnished and when I called Merchants, XXXX, who is in charge of the case was short with me, didnt answer my questions and said we didnt pay. I asked him for proof but he didnt give me any. 
They took {$1200.00} out of our account. We found statements that show the dates we paid 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 2023-08-25 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
HERE IS MY REPORT OF IDENTITY THEFT AND FRAUD I would like everything that i have asked for be removed since i have provided the requested information, and they did not have my written permission to furnish my consumer report, and do not have the right to report this unlawful incorrect information. A written consent as of the " FCRA '' I never gave written consent to any of those accounts.

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 2023-08-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
To dismiss the unjust Bill of {$84.00} for XXXX who gouged and harassed me with calls and slowing down data on my phone when bills have been timely paid. The worst was during hurricane Ida no power no water and NO PHONE because XXXX made another error on my Bill. This one had something to do with the password. I have several XXXX and challenges. It has been challenging to speak with someone competent or with patience to correct the many errors of this line. Several times a representative was incredibly difficult to understand, but they were kind regarding my challenges. However, their response was incomprehensible. 
I have Drs. Therapist and advocates who were quite aware and kept advising me to resolve this. 
Finally, my Dr. took the time out to switch my phone from XXXX to Consumer Cellular which cost less than half of what XXXX. 
I do not owe this amount or any other amount. 
I apologize for the lengthiness, its been awful. 
It would be more than fair for them to drop this debt.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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