vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
THE INQUIRIES LISTED ARE NOT AUTHORIZED BY ME AND THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. THESE INQUIRIES WERE NOT AUTHORIZED TO REPORT ON MY CREDIT 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 2021-02-02 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: UT

Complaint narrative:
LexisNexis has inaccurate information on my report and they have claimed it is 100 % accurate information. They have sent my disputes back twice, and they also provided me with a way to review my report and the problem is still there. Also they claim to have contacted UTAH FEDERAL BANKRUPTCY COURT - XXXX XXXX when there is no such thing by that name. They are using the inaccurate information on my report to tell me they are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One dismissed my dispute, citing XXXX 's requirement that a second opinion ( for an unused, non-operative pushmower ) be provided. 

XXXX 's Return Policy has no such requirement. 

" Outdoor Power Equipment Mowers, chainsaws, generators, pressure washers, trimmers, blowers, etc. must be returned within 30 days of receiving the product and must be unused and in original, unopened, undamaged, factory-sealed packaging. '' XXXX XXXX XXXX  [ REFERENCE prior CFPB Complaint ID XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: MS

Complaint narrative:
F.H. Cann & Associates , Inc. is not reporting on my credit report. They are continuously calling me about this allege debt. According to 15 USC 1692g they are in violation because they never validate this debt. My name is not XXXX XXXX XXXX. My name is XXXX XXXX XXXX. I am not sure who account this is but it is not my account and this is a fraud account. Any information that is not accurate can be disputed and it will not stand because of its inaccuracies. I am well aware of my rights and the laws. After carefully looking more into this I now can understand how my rights were violated many times. FHC is violating several laws by harassing me which is 15 USC 1692d, communication with while I am at work 15 USC 1692 ( B ) ( C ). Abusive practices which is a violation according to 15 USC 1692a. Calling me about this allege debt which is false and misleading which is a violation according to 15 usc 1692. F.H. Cann Associates is a violation of 15 USC 1692 f ( 1 ). I have attached my Affidavit of Truth, ID, and my invoice for violating my rights. F.H. Cann & Associates threaten me to call my job and garish my wages on an account that is fraud and not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I called Santander Consumer USA on XXXX regarding 2 ( {$400.00} ) payments that were applied incorrectly in XX/XX/XXXX. The bulk of the payments were applied to fees and not principal or interest as I was told. I've been informed several times by various Santander employees that the fees on my loan can be paid at the end of my loan without penalty. On XXXX.2021 I was told that the payments would be corrected and readjusted to apply to principal and/or interest within 5-7 days. I called back today on XXXX.2021 to check on the progress because from what could tell online this was not corrected. When I called today, XXXX2021 I was told that they weren't going to reallocate my payments. Because I paid above and beyond my normal payment they actually penalized me by applying funds to fees when that is not why I made extra payments. It's very dishonest especially since I was told that it would be fixed no problem when I called on XXXX.2021 ( they can pull the call recording ). This is very shady and dishonest business practices. I have every intention of paying my loan ( principal, interest and fees ) in full. However, I made extra payments to get ahead on the loan because of covid and we don't know what life is going to bring month to month. So it's horrible that during a global emergency Santander decided to take advantage of the little bit of extra money I had without my consent to fatten their pockets even more. Without regard to my personal situation. Horrible and I will not rest until they fix it and I believe there's a 3rd instance of them taking my payment and applying it incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Hello I am located in XXXX XXXX NV and I have been dealing with a closed account since XX/XX/2020 due to a fraud incident and calling to report it. Now I am being punished for someone taking money from me and Bank of America will not open my account back. I have done everything from calling everyday and even proving my identity to unemployment to only be told by Bank of America that their hands are tied or getting hung up on. This is my only income at the moment and myself and my children are suffering from it.

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 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I have been working with XXXX XXXX for over a month, trying to make payment to them. 

They refuse to accept my payment IN FULL. They have ruined my credit and referred me to convergent outsourcing. 

I called convergent this morning, and they advised they do not have an account with my name, and to call XXXX. 

XXXX keeps referring me to Convergent. Convergent can not located my account. 

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 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I've had prepaid cards to build nothing less not more had a split account once but was removed have had felens that could matter need help then please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: Regional Management Corporation
State: TX

Complaint narrative:
XXXX XXXX illegally, and unauthorized accessed my credit file, running a hard inquiry indicating that I was applying for a new line of credit, and you continued to certify that as a true and accurate statement. Ms XXXX stated that she in fact ran a hard inquiry due to my not responding to their calls, and mailings. I advised that I had no obligation to communicate with her office verbally or otherwise as my obligation was repayment of a loan, which payments were consistently made. Ms XXXX did not have a legal right under the law to access my credit file and violated my consumer rights as well as my rights under The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act, and was advised to remove the false, and illegal inquiry after which she retaliated by sending me a letter stating that I was in default of my loan which was false and simply a way to intimidate me, and further violate my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I keep sending letters in regard to a bankruptcy that they claim has been verified by XXXX XXXX but the information they are reporting does not match the XXXX XXXX Report, XX/XX/XXXX,XX/XX/XXXXor Equifax report. I also looked on Pacer and none of the information matches. 

I don't understand how all this information is being verified but none of the information is being reported the same from any of the Credit Reporting agencies and I keep getting ignored by XX/XX/XXXXXX/XX/XXXX and Equifax and XXXX XXXX about this. 

Name My name has only been XXXX XXXX XXXX. XX/XX/XXXXhas a reported name of XXXX XXXX XXXX which is completely inaccurate and needs to be removed. 

Bankruptcy XX/XX/XXXX, XXXX, Equifax, XX/XX/XXXXand XXXX all have different Docket # 's All credit reporting agencies are reporting different Court names and addresses which do not match Equifax confirmation # XXXX dated XX/XX/20 investigation was incomplete and did not list any information for the Bankruptcy being reported. 

File for Equifax shows court name Federal - but no information was provided in the investigation results. Report was blank that was provided by Equifax in there investigation results provided on XX/XX/20. 

XX/XX/XXXX File # XXXX dated XX/XX/20 Bankruptcy Court XX/XX/XXXX US Bankruptcy Court with address XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX, FL XXXXXX/XX/XXXX Report # XXXX Dated XX/XX/20 US BKPT CT FL XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Reference # 's are different on all files XX/XX/XXXX XXXXXX/XX/XXXX XXXX Equifax XXXX and XXXX shows XXXX How can every reporting agency have different information. How can I not get an answer to any of the letters being sent to XX/XX/XXXX. Why was my report incomplete from Equifax. Why isn't XXXX XXXX telling me how they are getting this information if they clearly have not verified this information with anyone since I had to reach out to the court and have told me that they do not verify this information. So how can any of this information be accurate?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
I keep sending letters in regard to a bankruptcy that they claim has been verified by Lexis Nexis but the information they are reporting does not match the Lexis Nexis Report, XX/XX/XXXX,XX/XX/XXXX orXX/XX/XXXX report. I also looked on XX/XX/XXXX and none of the information matches. 

I don't understand how all this information is being verified but none of the information is being reported the same from any of the Credit Reporting agencies and I keep getting ignored by XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXXand Lexis Nexis about this. 

Name My name has only been XXXX XXXX XXXX. XX/XX/XXXX has a reported name of XXXX XXXX XXXX which is completely inaccurate and needs to be removed. 

Bankruptcy XX/XX/XXXX, LexisNexis,XX/XX/XXXX, XX/XX/XXXX and XXXX all have different Docket # 's All credit reporting agencies are reporting different Court names and addresses which do not match XX/XX/XXXX confirmation # XXXX dated XX/XX/20 investigation was incomplete and did not list any information for the Bankruptcy being reported. 

File for XX/XX/XXXX shows court name Federal - but no information was provided in the investigation results. Report was blank that was provided byXX/XX/XXXX in there investigation results provided on XX/XX/20. 

XX/XX/XXXX File # XXXX dated XX/XX/20 Bankruptcy CourtXX/XX/XXXX US Bankruptcy Court with address XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX, FL XXXX XX/XX/XXXXReport # XXXX Dated XX/XX/20 US BKPT CT FL XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Reference # 's are different on all files XX/XX/XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX and LexisNexis shows XXXX How can every reporting agency have different information. How can I not get an answer to any of the letters being sent to XX/XX/XXXX. Why was my report incomplete from XX/XX/XXXX Why isn't Lexis Nexis telling me how they are getting this information if they clearly have not verified this information with anyone since I had to reach out to the court and have told me that they do not verify this information. So how can any of this information be accurate?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Klarna AB
State: CA

Complaint narrative:
Id like to raise a formal complaint against klarna services. My account number with Klarna is XXXX. 

History of my case : I made a purchase fromXX/XX/XXXX for the amount of {$8200.00} split over 36 months resulting in a monthly payment of {$220.00}. 

Before my order was shipped, I ended up canceling a few items which resulted in a refund being generated for {$5800.00}. 

As a result my outstanding amount was supposed to be {$2300.00}. Since the refund has been made, I would expect Klarna to adjust the new balance and REDUCE my monthly payments to {$2300.00} divided by 36 to {$66.00}. 

Heres the current issues and questions at hand : 1. Even after reaching out to chat agents and customer service over phone call multiple times, why has the new monthly payment amount not been adjusted accordingly? 

2. Even though my autopay was disabled and my interface shows no payment due - - how did Klarna deduct money from my linked bank account for the recent wrong amount of {$220.00}?????? This deduction was completely unauthorized as autopay was disabled and no minimum payments were showing as due XXXX {$0.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TX

Complaint narrative:
Date Breach information compromised. Don't recognize information

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 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: MS

Complaint narrative:
XX/XX/XXXX/ECMC is reporting false and inaccurate things on my credit report. They sent me a promissory note stating that I signed on it. I have attached the promissory note there is no eligible signature on there. There are just letters. This is not my account. Looking through the promissory note you can clearly see that there are other false and inaccurate information which is a violation according to 15 USC 1681. I attached the response that they sent me on the CFPB. I highlighted all my responses throughout this response. ECMC response violated many different laws. This is not my account this is inaccurate information on my credit report. Any inaccuraries on my report should be removed off of my consumer report. Any inaccurate or unverifiable information should be deleted off my credit report immediately according to 15 USC 1681 5 ( a ) ( 1 ) immediately! I have attached the promissory note, affidavit of Truth, ID and SSC, cease and desist letter.

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 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX, 2021 I called Wells Fargo to apply for a refinance of my mortgage loan based on information that I found on my account page on the Wells Fargo 's webpage, it showed that I had a fico credit score of XXXX and I was told by a Wells Fargo representative that a fico credit score of XXXX was sufficient for refinancing my mortgage. On XXXX a letter of denial was mailed to me stating that my application was declined due a fico credit of XXXX.Why does Wells Fargo put misleading information on their account website that leads people to feel that they have a opportunity to refinance their mortgage for a much lower interest rate?

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 2021-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
On XX/XX/XXXX, I had an Online Banking Bill payment come out of my account. The same day I had a XXXX payment sent to me at approx XXXX. At XXXX I received a text message such and I received an email at XXXX stating that a payment was sent to me and was successfully deposited into my account. I also verified through the FNB banking app that the funds were available, and they were in my available balance. However, my bill payment was returned and I was charged {$37.00}, due to theXX/XX/XXXXpayment no being available to pay ACH/ Checks/ billpay items. I was notified 2x by the bank the funds were in my account and verified through the app the funds were available, only to find out the funds were held unbeknownst to me. Very misleading and not acceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This AM I received a email from experian stating there was a dispute open for XX/XX/XXXX However I never asked XX/XX/XXXX to open a dispute against XX/XX/XXXX. The account that they opened a dispute against is a 100 % accurate account. I called Experian and they stated they claimed I contacted them and reported that account as fraud. Which is a complete un-true statement. I contacted them about a fraudXX/XX/XXXX that they have since rectified. However they only acknowledged one of those request and it took 2 times so I believe the confused the two. I was told that since it was opened under fraud it can not be canceled and I have to wait. So I asked for a manager and was not provided one. Experian need to cancel the dispute as I have active accounts withXX/XX/XXXX and this can interfere with them.

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 2021-02-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
We were offered the covid relief to suspend payments for a certain time during XX/XX/2020. We did 3 months then wanted to start making payments again but was told we would have to do some type of modification called " trial payments '' to see if we could afford the mortgage. We never heard of this and never said we couldn't afford the payments. The trial payments was sent but they keep putting them in a suspense account ( to make interest off our money ) and not apply them to our account. Then when I called more than once I was given scripted speech. I have written letters to them to ask why these payments are not being applied with no response. I also had an overage in my escrow which they said I could not get because the account is delinquent. The account would be current if they would apply the payments that have been sent to them. Then the 2020 XXXX XXXX XXXX which I had to access on their website is also incorrect because the money they have in the suspense account hasn't been applied for the 2020 year. I just need this account to be brought current and all the shady business to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: OK

Complaint narrative:
I owed a hospital bill and it was sent to collection. The collection company was Phoenix Financial. They offered me a settlement amount and I paid that in full. The debt is still showing up on my credit report. I have filed a dispute and it came back the account was accurate. I have called Phoenix Financial on three separate occasions and every time they say the account should have been closed, they will get it done, and sent me a letter. They have never closed the account out and I have never received the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation