vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The card me and my fiance stimulus went on was missing when all our stimulus payments went on and I had the card replaced but the stimulus payments were not. I'm just asking for our missing stimulus payments replaced that's it. Because we didn't get our stimulus payments due to the card being stolen or missing. I have given the new card number on this page at the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
[ Mr Cooper cancelled my next to final automatic payment without adequate notice to me, then billed me for a late fee on my final payoff quote. They also reported me as late to the credit bureaus lowering my FICO score by 99 points. I suspect that this may be a deliberate and systematic pattern of abusing all customers enrolled in automatic payments who are nearing final payoff. Below is a copy of the letter I sent to Mr Cooper. They rejected my argument. ] XXXX Dear Mr Cooper : I disagree with your determination, and would like you to follow through on the agreement that I reached with your agent on the telephone. 

My loan is now paid off. I was enrolled in automatic payment. Mr Cooper cancelled my automatic payment for the month prior to my final payment. Mr Cooper did not tell me that my payment was cancelled. Mr Cooper did not have a valid reason to cancel the automatic debiting of my checking account for the payment due in the month prior to my final payment. 

Your agent told me on the telephone that My Cooper agreed with me, and would waive the late fee ( I was NEVER late, except for this mistake made my Mr Cooper ). The agent told me that Mr Cooper would send me a check for the late fee refund. The agent told me that Mr Cooper would report that the late payment was Mr Cooper 's error to the 3 credit bureaus, and that I was not at fault.

1. I never received the late fee refund I was promised 2. Your determination that it was my fault for missing the payment is not correct. 

Please send me my late fee refund check immediately and please report that the missed pament was Mr Cooper 's error to the 3 credit bureaus immediately.

If necessary, please escalate this to your manager and review all phone and written correspondence. I hope to hear from you very soon. 

Thanks, <my name>

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Im complaining about XXXX XXXX XXXX vacation and resort time share, they will not remove the delinquent on my credit report for Experian and its hurting my credit on buying a house, I am up to date on all payments, I was set up on automated monthly payments to come out of my bank account, my bank card was changed because of loss, they had the wronge information so they werent getting the payments until 3 months later I got a letter in the mail from them, I didnt know they werent recieving payment because I thought they had my checking information! I called rite away and paid all in full to be up to date and fixed my bank information with them! never have I missed or been late in 3 years with them, there fault, please help!!

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 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: CA

Complaint narrative:
I called American First Financial on XX/XX/XXXX to pay off a debt. They found my account info only after asking for my husband 's information. The account is solely under me! We were both then referred to a third party that has no record of any of either our information/account. After calling back to speak to AFF and having them give me the gauntlet of questions to pull up my account,, they tell me I owe XXXX $ more than is on my credit report. When asked why such a difference I was only told they report once a month and that the numbers don't need to match. ( This number on my credit report has been the same for months ) We were told to give it 24 hrs for the system to receive our account. We called on Tuesday and after the 6th call American First Financial blocked my husband 's phone number. He had to call from a co-workers phone to get thru. Again today XX/XX/XXXX the third party says they have no record of us and now American First says we need to wait until Friday and try again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
RP Funding accounting of my escrow account continues to be erroneous. I am NOT asking for a recitation of all of the past matters. Fix the math. See attached escrow balance. There is an error of {$25.00} in the math of RP Funding. A full accounting of all payments is attached and below. 

Date Description Memo Payment Amount Escrow Balance BALANCE XX/XX/XXXX XXXX XX/XX/XXXX Opening Balance XXXX XXXX XX/XX/XXXX Escrow Funding from Closing XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Property And Casualty Payment Erroneous payment by RP Funding XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX BALANCE XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: FL

Complaint narrative:
OnXX/XX/XXXX, I check my credit through experian 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX and XXXX  directly, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.

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 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: CT

Complaint narrative:
We have being trying to do a mortgage mitigation with BSI and it has being a nightmare. 
We asked for advice with the Ct Housing Authority and showed them our correspondence. 
The COMMENTS from the staff attorney, XXXX XXXX XXXX, at the Connecticut Fair Housing Center after reviews is : " Right now, BSI 's wrongdoing is hiding the ball on the escrow increase and providing you inaccurate documents. It unfair and negligent '' Her email is attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a text message stating that my bank card was attempted to be used at a XXXX in California however I live in XXXX, XXXX  Once I responded no to the text I received a phone call from a number appearing exactly like Citibank stating that my account was attempted to be used. The person stated that they will be sending me a new card in the mail or asked if I wanted to block my card. They stated they would send me a verification code to go on the account. Then I started receiving text messages that money was being XXXX  out of my account when I logged in I saw that money was also being wired out of my account at the same time. Once the person which I assume was the scammer hung up I called Citbank and attempted to make then aware of the situation and they stated that I needed to go in person to a bank location to file the report. They didn't assist me immediately. The next day I attempted to go to the police prescient to file a report and they indicated that there was no need to file a report that the bank would investigate the situation. I then went to Citibank to open up a new bank account and attempt to file a fraud report regarding the scam that had occurred. They informed me that I needed to call the fraud prevention line to file the report. I called and filed the report. One week later was told that the funds were no longer in the account and there was nothing else they could do. Citibank then referred me to the Citi Executive Response Unit for further investigate the matter. After a month of them reviewing the case they stated that there was no money left in the account where the money was wired to and that there was nothing further that could be done. The a representative opened another case with the response unit for further and the outcome was the same that there was no money left in the other account and because the matter was scam the bank is unable to refund me the funds. The incident initially happened on XX/XX/2021 at XXXX. The phone number they called me from initially was XXXX. The money was wired out of my account by the scammer into a XXXX XXXX Bank account ending in XXXX under the name of XXXX XXXX. I do not have any knowledge of who that individual is. The XXXX  payments were sent to a XXXX XXXX. I was able to have Citibank refund the XXXX payments but they are refusing to refund the wire transfers the scammer initiated from my account to theirs. I was not the one that sent the money to the scammers. I would like to have the money that has been stolen out of my account by the scammer refunded 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 2021-05-26 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: OneMain Finance Corporation
State: PA

Complaint narrative:
on XX/XX/2021 I received a new inquiry about a possible loan I was planning on getting and talking with them over the phone but I NEVER gave them information and never gave them the possible go to through with my application and they just processed it. They said they it was pre-approved but overall, I never gave them the intention to process it and never signed any paper work to apply the application. please remove this inquiry as I have tried multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Essential Retrieval Group
State: OR

Complaint narrative:
I was contacted by both my Mother and my wife today stating that they received calls from a company named ERG about an alleged debt. Not sure how this company gained access to my mothers home number or my wifes unregistered work number. 

My wife forwarded me the info and I contacted a person and inquired about the alleged debt. They shared with me that there had been numerous attempts to collect a debt tied to a credit card company named XXXX. Told them that I hadnt received such info and asked if was sent certified mail. Their response was it was sent general mail. Told them I hadnt received anything. 

Contact told me that this info was on my credit report, which it is not, and that I went delinquent on this account in 2014. They say I was offered a settlement, which I was never contacted, and that I owe them {$2000.00}. Asked if I wanted to work out a plan. I told them that I dont recognize a credit card with XXXX, that I was never delinquent on any debt over the last 7 years, and that they should proceed with next step actions that they spoke of at the start of the call. 

My assumption is that they are trying to collect on something outside the statute of limitations. I have no records if this debt but my records only go back 10 years. 

I want to make sure that this company knows that my record keeping us impeccable and that I assume they will be willing to share all of their documents during discovery if they choose to go through the courts. 

I also want this company to know they have my cell number and that they should not be harassing my elderly mother or my wife at her place of employment.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One Credit Card closed my Account without any notification nn the XXXX of XXXX. I had paid my account balance down from XXXX to a Balance of {$190.00} on the XXXX of XXXX. I had made payments on time and the balance report after closing my account is inaccurate and as a result dropped my credit Score by a total of 50 points. 

My Credit Report is still showing a balance of {$450.00} rather than {$190.00} which as a result drastically Increased my overall credit Usuage to 154 %. 

I contacted the Bank to accurately report the right information and, Advisor said its the Credit agencies job to report ...

I would like Capital One Credit Card to report the right Information has this has significantly impacted my Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: FL

Complaint narrative:
On XXXX, I check my credit through XXXX  's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX  and transunion directly, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.

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 2021-05-26 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: FL

Complaint narrative:
On XXXX, I check my credit through XXXX XXXX  website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX  directly, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NH

Complaint narrative:
I tried to call the collection agency back, but they do not answer their phone. They've used a different phone number each time they call, and have bombarded me with numerous calls each day for several weeks. They wont return my calls or messages. They've used abusive, deceptive and threatening language and claims. They have not provided written proof of the claimed debt, nor any proof of who they are, nor proof of their right to attempt this debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: Enterprise Acquisitions
State: VA

Complaint narrative:
Hello ; I rented a car in XXXX of 2013, and had an accident. 
My insurance paid Enterprise most of the amount and i paid the rest, which was my deductible.. 

Thursday of last week a car ran into mine while i was parked, and the other drivers insurance company agreed to pay for a rental for me, from Enterprise, while my car was in the shop. 

The first enterprise i was at said i was on the " do not rent list '' because i owed XXXX from 2013. 

I called the collections department, and all they had to do was look me up, check the files, and sure enough they had records saying i owed nothing with out me having to print out supporting documents from my bank. 

However, they are refusing to send me proof that i have paid my account off, and they are also refusing to contact and update the three credit agencies. 

All I want is written confirmation of what they already told me over the phone, and a copy of the letter to the credit agencies. emails would be fine but they refuse to do that.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-26 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: TX

Complaint narrative:
To whom this may concern all 3 bureau TransunionXXXX XXXX and XXXX are reporting misleading and false information on my credit report. They are in violation of 15 usc 1681b ( a ) ( 2 ). Which states that a consumer reporting agency can only furnish a consumer report with my written instructions. I am seeking litigation for my rights being violated and the stress that all 3 bureau have caused. I demand any unauthorized misleading inquires and negative accounts that are negatively reporting on my credit report be removed. And all inaccurate late payments be correct to payed as agreed.

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 2021-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX wells fargo bank sent me a letter of apology with a cheque valued at {$400.00} for a set-off that was performed in error from my savings account. The set-off performed XXXX XXXX, XXXX was to cover an overdraft in my checking account for {$310.00}. This process was not suppose to be carried out since I had previously removed the link between the two accounts. 

I called the bank explaining to them the errors in this situation and that the money was intended for my car payment. Despite my explanations they said " we can do whatever we want with this money. '' As a result my car was repossessed XXXX XXXX, XXXX because they took a portion of the {$2300.00} I had in my savings for the loan provider. Even though I explained to my loan provider what the bank did the loan provider would not accept anything less then the full amount.

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 2021-05-26 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: LEXISNEXIS
State: VA

Complaint narrative:
Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I have reached out to the court house where the alleged bankruptcy was filed and they have assured me that they do not furnish this information. I have tried to solve the issue with lexis nexis and they only updated the information and did not provide their method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
XX/XX/XXXX - Noticed collection on XXXX report XX/XX/XXXX - sent a letter asking to validate the debt via USPS certified mail XX/XX/XXXX - received a letter from collection agency XX/XX/XXXX - sent a letter to collection agency stating that I did not received the information requested XX/XX/XXXX - debt was updated on my XXXX 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