vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX account became delinquent with XXXX XXXX XXXX ( timeshare ). Account was given to XXXX XXXX. According to a debt lawyer, because XXXX XXXX is not the orginial debtor they have no authority to report the account delinquent each month. They are only authorized to report 1 time as being delinquent one time which was in XX/XX/XXXX. Also, i paid capital one auto finance off back in XX/XX/XXXX. Paid in full. They reporting the account as charge off and paid in full and a chargeoff with a XXXX balance,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE PROVIDE ALL INFORMATION AS BELOW TO VIA MAIL DO NOT REFER ME TO THE WEBSITE OR A CUSTOMER SERVICE NUMBER AS BOT OF THOSE OPTIONS ARE NOT RELIABLE AND ARE ACTIONABLE CAUSES. THIS A DIRECT REQUEST VIA THE RIGHT OF ACCESS : ( 1 ) WHO AUTHORIZED THE information it has collected about ME, ON MY CREDIT REPORT ( 2 ) The sources from which the information is collected ON MY CREDIT REPORT ( 3 ) The business or commercial purpose for collecting or selling MY personal information.

( 4 ) The third parties with whom EXPERIAN shares MY personal information. 

(5 ) The specific personal information THAT EXPERIAN has collected about ME. ( 6 ) The information that you released or shared please provide the names of all entities that EXPERIAN shared and released information to and what purpose or use was this claimed to be for. i can be reached at email XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I setup automatic payment for my Credit Card from Wells Fargo. I setup the automatic payment three times once when I activated the Credit Card, second time on XX/XX/2018, and third time on XX/XX/2018. 

Twice, Wells Fargo has failed to process the payment by due date and has assessed the late fee. The first time was {$27.00}, which after several conversations with supervisors and managers resulted in the reversal. 

The second time a late fee of {$37.00} was assessed on XX/XX/2018 by Wells Fargo and despite admitting that error is on their part, still refuses to reverse the charge. 

This is not to mention that the card has 0 % interest offer. Which is why I opted to transfer balance on to the card. 

Wells Fargo also did not give me information on whether the 0 % offer is still intact.

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 2018-09-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
MY home equity loan was sold to Rushmore Loan Management Services LLC on XX/XX/2018. They called me on XX/XX/2018 in regard to my XX/XX/2018 payment. That payment was made to XXXX XXXX as instructed before XX/XX/2018. It was made on XX/XX/2018. Yet XXXX XXXX contacted me about this payment. I informed them that the payment was made and they should be following up with the institution that they bought the loan from. I also asked them where my payment coupons were for all payments going forward as none were sent to me. I received another call from Rushmore on XX/XX/2018 in reagrd to the same exact queries, where was my XX/XX/2018 payment? I informed them AGAIN that it was sent to XXXX  XXXX as instructed by Rushmore 's  only and first letter to me. I again stated to them that I have not received any payment coupons for what would be a XX/XX/2018 payment and here it is XX/XX/2018. I do not want to pay these clowns on line as I am not trusting them and they have very bad reviews online. I want to make my payment via US Mail but they wont provide me with a payment coupon to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: NY

Complaint narrative:
Over the course of the last month, XX/XX/XXXX, I have been attempting to have an erroneous collections account created by XXXX removed from each of the three credit reporting agencies. This account was created on XX/XX/XXXX in the amount of {$130.00}, and is currently noted as charged off with Equifax. 

However, after many phone calls with XXXX in XX/XX/XXXX, during the creation of a new mobile phone account with them in my name, it was discovered, and stated by their representatives, to have been created by XXXX in error, and further advised that it would be deleted from my report. However, after several months waiting, XXXX has not followed through with that statement and the erroneous account remained on my credit report. I subsequently filed disputes with each agency, XXXX, XXXX and Equifax to have this removed, as XXXX had not taken appropriate action. 

As noted in the enclosed investigation findings from XXXX and XXXX, the account was clearly found to have been invalid and was deleted from my report without further question, however XXXX  has stated on multiple occasions that their own investigations have deemed this account valid and that it would remain on my account. It is unclear how two of the three credit agencies could come to one result, while the third agency remains staunchly convinced of their own completely inverse investigation results. 

These investigation results from XXXX  and XXXX  were even faxed to Equifax as proof on XX/XX/XXXX at XXXX, as shown in the attached cover letter and fax transmission confirmation. Despite this, they have thus far only updated comments on the account and subsequently reduced my credit score by 14 points, in what appears to be a suspiciously retaliatory act. 

In multiple phone conversations with Equifax ( phone numbers XXXX and XXXX on XX/XX/XXXX, XXXX ; XX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX ), I was advised that " Equifax has their own investigation process '', and that I would need to obtain a deletion letter from XXXX. 

In a subsequent call to XXXX ( XXXX on XX/XX/XXXX ; XXXX ), I was advised that due to the FCRA they do not send deletion or " pay to delete '' letters, and would be unable to assist further, despite my stating several times that I was previously advised the account was created in error. 

I would like the CFPB to investigate and remove this account from my Equifax report as soon as possible. This account was stated to have been created in error by XXXX representatives, and confirmed to be an error by XXXX and XXXX 's independent investigations. I have received no assistance of any kind from either Equifax or XXXX, despite these errors being of their own creation, errors which have had a significantly detrimental impact to myself and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TCF NATIONAL BANK
State: DE

Complaint narrative:
I am a victim of fraud on the part of XXXX XXXX. I believe they targeted me because of my age. On XX/XX/XXXX at XXXX eastern time I called XXXX XXXX as a CD  had just come due. I relocated to Delaware, and so I can no longer visit a local branch in XXXX. I spoke with a woman in customer service in Illinois. Mail I get from XXXX XXXX has a return address of XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX. As my holdings are nearing the limit of FDIC insurance, I asked that {$10000.00} be removed from my CD and forwarded by check to my address of record. I asked for the remainder of funds to be renewed as a CD. I am XXXX years old and my son helped me read my account number, and was witness to the transaction. During the week that followed I received a letter dated XX/XX/XXXX thanking me for contacting them and noting that the CD had been renewed for the full amount. My son helped me call at XXXX eastern time on XX/XX/XXXX to notify them of the error and we were told the CD had been renewed and no record of our earlier call existed, and a fine of about {$600.00} would be required to withdraw funds at that time. They noted they had no record of my call on XX/XX/XXXX even though the letter was dated XX/XX/XXXX, thanked me for contacting them, and XX/XX/XXXX ( the date of the letter ), was long before the time limit for altering the account before automatic renewal. I was told that nothing could be done, that the bank would file a complaint on my behalf, but would not necessarily confirm that a complaint had been received. This is fraud - theft through the renewal of an investment instrument contrary to my instructions with a claim that instructions had not been received, when in fact they were acknowledged on the mail I received.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LENDING COMPANY, INC., THE
State: SC

Complaint narrative:
On XX/XX/2018 at around XXXX XXXX EST I got a text message saying that I was approved for a loan from a company called XXXX XXXX XXXX from a number of XXXX, the person signed it as XXXX XXXX. I called to obtain the loan and during the process the rep, who sounded like a foreign agent asked me for my online banking user name and password to verify if the funds were deposited. I provided it to him and he repeatedly told that it wouldn't allow him to log in and I verified it multiple times with him. He placed me on a very long hold and when he came back I asked if this was a scam and he said no its not and then hung up on me. I immediately changed the password to my online banking account. Please do something so that this person doesn't scam someone else.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-24 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: SC

Complaint narrative:
I am entitled to payment of restitution as punitive payment for the continual inaccurate reporting which is driven by profit versus accountability and accuracy, I make such demand. 

Experian is reporting a credit card account for XXXX  XXXX Credit card, which isn't mine and applied for without my knowledge or consent, and to make it even worst concerning their reporting, the information that was used to apply for this credit card was known not to belong to me, yet Experian reported it anyway, which is a violation of the statue XXXX XXXX acct no XXXX, per XXXX XXXX was applied using the address of XXXX XXXX XXXX, XXXX, SC XXXX, which is known by Experian not to be my address, and applied with social security number XXXX, which isn't my social security number.

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 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PROVIDENT FUNDING ASSOCIATES
State: GA

Complaint narrative:
I made an online payment on my mortgage account with Provident Funding on Friday, XX/XX/2018 at XXXX XXXX.. The payment was made prior to being 30 days late. Provident Funding has posted a 30 day late payment on my credit report with all 3 credit bureaus. Provident Funding is responsible for reporting accurate information to the credit bureaus. I have an email from XXXX showing the receipt of the payment on XX/XX/2018 at XXXX XXXX.. I have tried to have them agree to correct and report the information accurately and they have refused. I have never been late on a payment in my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: RI

Complaint narrative:
I was part of a repayment plan which I was paying XXXX dollars a month for my student loans with XXXX XXXX. Last year XX/XX/XXXX I lost my job so I fell shins on my loans I started working again in XX/XX/XXXX and XXXX I started to catch up and pay XXXX dollars twice a month to catch up on my loans. XX/XX/XXXX I was calling XXXX XXXX to set up 2 payments every month and the last time I spoke to someone was in XXXX and they told me that once I make these next two payments I would be current. After the 2 payments XXXX XXXX called me non stop 6 to 7 times a day when I called bck they told me I was behind on payments after I advised what I was told the last time they called they weee rude and not listening to anything Im saying. I sent letters out to XXXX XXXX advising that My family and I would no longer like any phone communication just mail communication. They continued to call and call and when i spoke to them on the phone they said I can call you as much as I want no respect at all. I started to send out letters trying to negotiate with XXXX XXXX I have a paper trail of that but they continue to call my aunt who is my co-signer but also my cousins and uncles they are really harassing me and my family. Please can you help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I live in XXXX, Florida and we were involved in a natural disaster ( Hurricane ). The federal government, declared it a natural disaster and mandated that all mortgage loan payment, be suspended for 90 days and that no late payments, shall be reported top the credit bureaus and no late fee 's, could be charged. The 2 payments, were to be placed to the back of the loan. My Trans union credit report clear states " Natural Disaster, under the mortgage account. I have called XXXX, several times and each time I call. They say that, the late 's were a error on my credit report and should not be listed on my report and they would correct/remove the late payments. This has not been done, as the date of this complaint. XXXX has received my on time payments, since 2005 and have never had a late payment on my mortgage. I started making my payments again the following month, after the 90 days, as I was instructed to do by the federal government. As I was making my payment, XXXX, kept me with a running 90 day late payment and has caused me financial harm.

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 2018-09-24 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: Concord Servicing Corporation
State: MD

Complaint narrative:
XX/XX/XXXX account became delinquent with XXXX XXXX XXXX ( timeshare ). Account was given to XXXX XXXX. According to a debt lawyer, because XXXX XXXX is not the orginial debtor they have no authority to report the account delinquent each month. They are only authorized to report 1 time as being delinquent one time which was in XX/XX/XXXX. Also, i paid XXXX XXXX XXXX XXXX off back in XX/XX/XXXX. Paid in full. They reporting the account as charge off and paid in full and a chargeoff with a zero balance,

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 2018-09-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I live in XXXX, Florida and we were involved in a natural disaster ( Hurricane ). The federal government, declared it a natural disaster and mandated that all mortgage loan payment, be suspended for 90 days and that no late payments, shall be reported top the credit bureaus and no late fee 's, could be charged. The 2 payments, were to be placed to the back of the loan. My XXXX XXXX credit report clear states " Natural Disaster, under the mortgage account. I have called XXXX, several times and each time I call. They say that, the late 's were a error on my credit report and should not be listed on my report and they would correct/remove the late payments. This has not been done, as the date of this complaint. XXXX has received my on time payments, since 2005 and have never had a late payment on my mortgage. I started making my payments again the following month, after the 90 days, as I was instructed to do by the federal government. As I was making my payment, XXXX, kept me with a running 90 day late payment and has caused me financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 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: FL

Complaint narrative:
I live in XXXX, Florida and we were involved in a natural disaster ( Hurricane ). The federal government, declared it a natural disaster and mandated that all mortgage loan payment, be suspended for 90 days and that no late payments, shall be reported top the credit bureaus and no late fee 's, could be charged. The 2 payments, were to be placed to the back of the loan. My XXXX XXXX credit report clear states " Natural Disaster, under the mortgage account. I have called XXXX, several times and each time I call. They say that, the late 's were a error on my credit report and should not be listed on my report and they would correct/remove the late payments. This has not been done, as the date of this complaint. XXXX has received my on time payments, since 2005 and have never had a late payment on my mortgage. I started making my payments again the following month, after the 90 days, as I was instructed to do by the federal government. As I was making my payment, XXXX, kept me with a running 90 day late payment and has caused me financial harm.

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 2018-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
l was sent an invitation to apply for a Capital One credit card. l read through the disclosures. The only explicit 'terms ' were the APR 's. Now l 'm being charged monthly for purchases l 've ALREADY paid the interest! They STILL are charging me the same amount to month ro month (! ) on interest already paid- at the time of purchase ; yet they STILL charge me on the same on purchases EVERY MONTH! 
l 've tried, to no avail to rectify this. Even up to corporate offices. They are immovable! They say, 'we understand. But nothing can be done '! l explained l 've already paid THAT interest! And you continue to charge me for the same purchases for which l 've already paid! ' Still, they remain unmovable!! l explained " this was borderline racketeering ; fraudulent, etc ... '' They remain unmovable! 
Please! help me! Else me, nor ANYONE will ever get their balance off, nor paid down! Last month as in the previous, l paid MORE than the minimum. Still they charged me half (! ) of my payment 'on interest for purchases ' ; which l '' ve NOT made ANY purchases!! 
Thanj you, regards, please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
A balance transfer of {$4000.00} was posted to my USAA credit card on XX/XX/XXXX. This is a bogus transfer to my USAA account. I contacted USAA on XX/XX/XXXX and informed them that his was a bogus transaction. I was told they would correct the transaction in 2 to 5 business days. I called again on Friday to make sure there were no problems with their protocol. Today, XX/XX/XXXX, I called to find out why the {$4000.00} amount was still showing up on my account. I got the run around again.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was paid on XXXX via PayPal on XX/XX/XXXX. The money would be placed on a 21-day hold. Its now been almost 30 days and the hold has not been lifted. I contacted PayPal and XXXX, and both companies blame the other. Saying it is not their fault.

Company response to consumer: Closed with non-monetary relief