vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 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: Freedom Mortgage Company
State: GA

Complaint narrative:
XXXX Paid Mortgage Payment- website not functioning properly and stated the following day that it was not paid. Although we had confirmation it was. 
XXXX Paid Mortgage payment again due to the website error and being told by Freedom Mortgage that it was not accepted. 
Both of these were then debited from our bank account the first payment that they stated was not taken and then the second. We can prove through statements from XXXX. 
XXXX Contacted Freedom Mortgage we were told to contact XXXX that this was on their end and nothing Freedom would or could do. Contacted XXXX paid a fee ( out of our pocket for Freedoms mistake ) to then have this payment reversed and credited back to our account. 
XXXX Paid Mortgage Payment XX/XX/2019 Pay Reversal done by XXXX  due to prior phone call with the stop payment & reversal as they blocked Freedom from taking any money from our account. When the request came through from Freedom they denied it based upon this. 
We have screenshots to show this and where it was paid and paid on time. 
XXXX We were made aware that two payments were due at this time due to the mistake outside of our control. We immediately in a show of good faith paid two payments at the same to get this back current. Incurred additional late fee even though this was something we never knew about and have screenshots showing where it was paid on time. 
Even after such as this was corrected and Freedom was aware of the mistake and mishap from the website & XXXX they chose to report this to our credit. The single derogatory remark ever on our perfect credit profiles. This has reduced our scores drastically.

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 2020-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have my auto loan with Capital One, and even though I am not late and have never been late on my monthly payments, I wanted to request 1 month extension because I didn't work for a whole month ( due to the Covid-19 ), their response was that I had the option to do so BUT they will charge me interest fee on my loan. I personally find this inhumane because the crisis we are going through right now and based on the government laws, we, the consumers were supposed to have a break until everything goes back to normal. 

I called on XX/XX/2020 and my monthly payment is {$380.00}, which if I extend 1 month into my loan they will charge me around {$180.00} in interests fee. I find this so unfair specially for a consumer that has never been late on any payment and also has a credit card with them and never paid late on neither of the accounts. I understand how business works, but we are in a crisis that a LOT of people are going through difficult times, they should consider that and work better with us. I am so disappointed that as soon I can refinance my car I will do so, as well as closed my CC card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: AR

Complaint narrative:
My father informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$8400.00}

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 2020-05-05 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: AR

Complaint narrative:
My father informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$8400.00}

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 2020-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: LA

Complaint narrative:
Discover card is reporting the wrong amount owed. 
The credit limit was {$500.00}, the balance showing is {$1000.00}. 
I called Discover, they stated no bill statements is in their system, I was referred to an collection agency. Spoke to XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, OK XXXX, ( XXXX ). 
Collector stated, I owe {$1000.00}. I explained to him, my credit card limit was {$500.00}, I stated to him, my card became delinquent after XXXX XXXX, I lost my job during my recovery. I made 2 payments, then declined, I didn't realize that I had no direct deposit because I was terminated while recovering from XXXX. 

He stated, he have no records, he just have my file stating, I owe {$1000.00}. I explained to him, that was incorrect. He stated, all he could do is collect XXXX or set up monthly payments or settle for XXXX. I declined because, I don't owe that amount and I don't have an income. He told me there is nothing he could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO WHO WAS ABLE TO GAIN ACCESS TO ME PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WITH MY PERSONAL INFORMATION AND I DID ALL THAT I COULD DO TO AVOID THIS TYPE OF THING FROM HAPPENING TO ME.THIS SITUATION HAS BECOME VERY STRESSFUL TO ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
CPFB, I am currently an XXXX XXXX member since 2014. Upon reviewing my finance documents both XXXX and XXXX knew I was in the military and never disclosed to me my rights under the military truth in lending and also the service member civil relief act. 
-I didnt get a buyers guide -The car was in an accident and XXXX knew -My rights were violated and grounds for the contract to be terminated and the person that has been reviewing my case fired due to being bias and unfair. 
-As a military member I am protected under the MTLA AND SCRA. This loan is covered under the MTLA due to the gap insurance. 
I have submitted multiple complaints and they are getting away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I sent {$950.00} to a company called XXXX XXXX XXXX on XX/XX/XXXX to supposedly ship a puppy that I had bought online. They claimed the money was refundable ( 98 % ) but have not sent me any of the money back. This was done through XXXX and they aren't doing anything either. I never got the puppy as the next day they wanted more money to " transport, quarantine and give shots to puppy ''. This dog was shipped from North Carolina and supposed to go to Texas but for some bizarre reason she was shipped to California. No reason given but then they claimed the dog had to be quarantined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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
Consumer complaint received 2020-05-05 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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
Consumer complaint received 2020-05-05 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: GA

Complaint narrative:
XXXX Paid Mortgage Payment- website not functioning properly and stated the following day that it was not paid. Although we had confirmation it was. 
XXXX Paid Mortgage payment again due to the website error and being told by XXXX XXXX that it was not accepted. 
Both of these were then debited from our bank account the first payment that they stated was not taken and then the second. We can prove through statements from XXXX. 
XXXX Contacted XXXX XXXX we were told to contact XXXX that this was on their end and nothing XXXX would or could do. Contacted XXXX paid a fee ( out of our pocket for XXXX mistake ) to then have this payment reversed and credited back to our account. 
XXXX Paid Mortgage Payment XX/XX/2019 Pay Reversal done by XXXX due to prior phone call with the stop payment & reversal as they blocked XXXX from taking any money from our account. When the request came through from XXXX they denied it based upon this. 
We have screenshots to show this and where it was paid and paid on time. 
XXXX We were made aware that two payments were due at this time due to the mistake outside of our control. We immediately in a show of good faith paid two payments at the same to get this back current. Incurred additional late fee even though this was something we never knew about and have screenshots showing where it was paid on time. 
Even after such as this was corrected and XXXX was aware of the mistake and mishap from the website & XXXX they chose to report this to our credit. The single derogatory remark ever on our perfect credit profiles. This has reduced our scores drastically.

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 2020-05-05 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: WAKEFIELD & ASSOCIATES, INC.
State: KY

Complaint narrative:
I have no idea what this is for. This account shows opened in XXXX but it has never appeared on any previous reports until this XXXX How can this be accurate information? No date of last active no date of last payment, but it showed disputed which shows proof they received my letter. 
There was a letter sent to both the bureau XXXX XXXX XXXX XXXX and to Wakefield & Assoc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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
Consumer complaint received 2020-05-05 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rodriguez Fernandez Law Offices, LLC
State: PR

Complaint narrative:
I have been paying off this debt since XXXX or XXXX to Rodriguez Fernandez Law firm. I had to resign from my job due to my health in XXXX. I apply for XXXX benefits as soon as I stopped working and was approved in XXXX of XXXX. That isy only income I pay a mortgage and other bills. I agree with this law firm to pay them 50.00 a month which is slot for. I fall behind but I manage to catch up because they call everyday until I pay. I also notified them that I get my check on the third Wednesday of each month and they start calling from the beginning of the month. The original creditor was XXXX XXXX  and I believe the debt has passed the statute of limitations since XXXXI fell back on slot of my bills. I currently live in the southern part of XXXX XXXX affected by the earthquakes and also the pandemic. These people have no disregard for my financial status and they also do not send any correspondence regarding the payments or the amount of the balance within the past years that I have this payment plan..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Quick Loans/Rocket Mortgage - I refinanced with them in XXXX 2019. They had presented to me payment numbers which lowered my monthly payment to {$2600.00} from XXXX. Saving me {$400.00} every month. I planned my finances around that and agreed to refinance with them. After 2 months, they said my payment was going up to {$3000.00} since the property taxes had and home insurance had increased. BUT the home insurance had gone up by only a couple of hundred dollars and the property taxes HAD NOT gone up. 
I complained and they said that they made a mistake. The bottom line was they engaged a third party to give them property tax information, which is publicly available. This process enabled them to artificially lower the monthly payment so I would refinance. If they had presented me numbers which showed a saving of {$40.00} per month, I would not have refinanced. They agreed to spread the escrow payment over 2 years BUT after that the mortgage would still be more than {$2800.00} per month. 
Even though the property tax and insurance are my responsibility, everything indicates that this company engaged in malpractice, presented higher savings ( even though that was not correct ) to get a customer. There should be a federal investigation into their practices and find out how many more customers are in the same boat. I am sure there will be many more - a mortgage company just does not make the mistake of miscalculating a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting incorrectly a current balance in the amount of {$1000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and there is no balance due and consequently nothing to collect and/or chargeoff. This account needs to report a {$0.00} balance. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a user on Cashapp {$200.00} for an item that she was supposed to ship to me. We agreed that I would pay half first and the rest when received the item. The username on that persons Cashapp was $ XXXX and the name she had given me was XXXX. I got an email saying XXXX had accepted the money, so I send her a text asking about the shipment of the item, to which I soon find out that she never intended to ship anything. I try reaching out to her asking for my money back since she did not or can not ship the item and she tells me she will send the money back soon. I wait a couple of hours and try reaching back out to her asking if she's had the chance to send my money back and I get no response. I go to the app Cashapp and ask for a refund from her through there, but she declined the request. I try sending her a text again asking what happened, why she hasn't sent me my money back, but again, no response. I reached out to Cashapp, explaining what happened and to see if I could do anything to get my money back, but they replied back to me saying there was really nothing they could do. On my XXXX  XXXX XXXX XXXX the transaction was still pending, so I also tried reaching out to my bank. When I called my bank they told me I had to wait for the transaction to be finalized before I could do anything about it. Once the transaction was completed, I call my bank again, and explain the situation to whoever I was on the phone with from customer support. Sadly, my bank also said there was nothing they could do. I had contacted both Cashapp and XXXX XXXX XXXX, and was told neither of them could do anything. I started researching if there was another way to get my money back. As I was doing so, I noticed on my Cashapp account that the card that is saved on the app is one of my old bank cards that should not be working anymore. I tried sending a family member a smaller amount of money to see if it would go through and it didn't. Cashapp asked me to update my card information before continuing. So now my problem is why Cashapp didn't ask me to update my card information when I was sending a much bigger amount, {$200.00}, to be exact.

Company response to consumer: Closed with explanation