vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: OH

Complaint narrative:
Volkswagen Credit Account No. XXXX As of XX/XX/XXXX, there were three payments of {$310.00} due on the lease. The purchase option for the vehicle was {$13000.00}. Thus, the total due payoff the lease and to purchase the vehicle ( confirmed by phone by me ) was : 3 lease payments x {$310.00} = {$930.00} Purchase option {$13000.00} {$14000.00} The leased vehicle, a XXXX XXXX XXXX XXXX XXXX was traded to XXXX XXXX XXXX of XXXX, Ohio on XX/XX/XXXX. ( See attached Purchase Order ) XXXX purchased the vehicle for {$14000.00} and was supposed to pay off the lease and acquire title to the vehicle. 

I was unable to stop my bank from automatically paying the XX/XX/XXXX lease payment to VW Credit, thus I am due a refund of the {$310.00} payment. 

Volkswagen Credit has retained the {$310.00} payment and has refused to refund it despite my making a request on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
This is the third complaint I have had to file with the CFPB against Flagstar Mortgage Company. Two late fees in the amount of {$90.00} were assessed and were reversed. Flagstar agreed to reverse the late fees due to their error in placing a stop payment on funds they withheld from me from my insurance company to cover costs of major water damage. However, when I refinanced and Flagstar calculated my payoff, Flagstar applied the two late fees once again and charged me {$180.00}.

Due to the interest Flagstar charged me for my loan, the interest calculated at the same interest rate from withholding the {$39000.00} for six months should be reimbursed to me. Attached is a calculation of {$440.00}. 

The funds in my escrow account as of XX/XX/2021, at the time the loan was paid off was {$3000.00}. This needs to be refunded to me immediately. Flagstar is currently involved in a class action lawsuit regarding interest on escrow, further demonstrating the fraudulent practices of their company. 
http : //www.flagstar-interest-on-escrow-class-action.com

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 2021-08-30 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: IL

Complaint narrative:
am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XX/XX/2016 I lost my wallet at that time I filed a report. Most recently I filed another police report. Professional debt med is advising that I owe a debt of $ XXXX to the XXXX XXXX XXXX XXXX. I have spoken to the XXXX site several times and they have advised me they have no record of me staying in their complex around any dates this debt is being advised. I need this removed because it is affecting my credit and this is not legally mine. Case number for police report is below with officer badge number and name : XXXX XXXX badge number Officer XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX  - XXXX XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX  Balance {$250.00} Opened Date XX/XX/XXXX XXXX/XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX/XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$300.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$960.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$580.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$600.00} Opened Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: CA

Complaint narrative:
This account was a XXXX account that I opened, paid and closed all more than seven ( 7 ) years ago. I have disputed this item for years, and it will not go away, even though now it is timed out. 

The dates listed are incorrect. This account was opened, closed and ( falsely ) labeled delinquent more than seven ( 7 ) years ago.

If this complaint fails to resolve the issue, I will be forced to file suit to have it removed, and will do so. 

I appreciate any help you can provide. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30 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: U.S. BANCORP
State: MN

Complaint narrative:
I had a real estate lawsuit in XXXX and my attorney representing me was XXXX XXXX from XXXX XXXX XXXX. On XX/XX/XXXX, I hired XXXX XXXX, who I never met. 
This lawsuit had a pooXXXX XXXX writen by an unlicensed closer and this caused many problems. 
We filed a letter of cancellation for a contract for deed. XXXX XXXX never filed that cancellation. Instead XXXX XXXX, put together an unauthorized settlement agreement and I got a Judgement instead. Also, deliberately overcharged me for work never finished and used XXXX attorney to help XXXX XXXX increase exaggerated charges ( {$65000.00} for 2 months of work ). 
The invoice was so high, I had no more money to pay XXXX XXXX, so I discharged XXXX, but no attorney would deal with this lawsuit, so I lost ownership in my commercial building. 

Complaint- I called XXXX XXXX Bank credit card services on XXXX XXXX that I wanted to make a dispute because of all the overcharges. XXXX XXXX Bank told me that US Bank owned the account and had to WAIT until the merger was complete and a statement was visible. This was not true. I still had to deal with XXXX XXXX Bank not US BAnk like I was told. With the XXXX, riots in XXXX, XXXX I live and other things, it was diffecult to keep track the merger. The merger when through and I called again to dispute the law firm charges. A XXXX XXXX Bank representive told me that a check would be arriving in XXXX business days. After XXXX days, I called back and was told I was pass the time frame that cardmember service allowed for a dispute credit. I had to pay this law firm {$16000.00} for work never performed. This mishap was not my fault! 

XXXX XXXX my credit card dispute for {$16000.00}. Again, I did try to be within the time limit, but the time was not long enough with that merger confusion and all the commotion going on. 

Sincerely, 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 2021-08-30 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: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XXXX Inquiry : XXXX. XXXX, 2021 XXXX  XXXX Inquiry : XXXX. XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and need to be REMOVE COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXXXXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: IL

Complaint narrative:
I am not liable for this debt and I do not have a contract with CAPIO plus they did not provide me with the original application like I asked. Also, this account was already deleted but they added it back on my report. This is an illegal because they didn't give me a 5 day notice. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. 

Account Name : CAPIO ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I submitted a personal information dispute to the three credit bureau 's because I found fraudulent names and addresses reporting on my credit report. 

I would like the name XXXX XXXX to be removed because that is my grandfather 's name not mine as well as XXXX XXXX XXXX which is my father. I am XXXX XXXX XXXX. 

I also requested the following addresses be removed : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived at these addresses. 

Please remove the following employer : XXXX Please see the attached identity theft affidavit and letters sent to each bureau in which I have not received a response.

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 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I submitted a personal information dispute to the three credit bureau 's because I found fraudulent names and addresses reporting on my credit report. 

I would like the name XXXX XXXX to be removed because that is my grandfather 's name not mine as well as XXXX XXXX XXXX which is my father. I am XXXX XXXX XXXX. 

I also requested the following addresses be removed : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived at these addresses. 

Please remove the following employer : XXXX Please see the attached identity theft affidavit and letters sent to each bureau in which I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
On XX/XX/30, I attempted to resolve a debt, {$7400.00}, with National Credit System. When I called, they stated that the calls were recorded, quite clearly. I spoke to a gentleman who said his name was XXXX XXXX. He stated that my debt was {$7400.00}. I then asked if we could compromise for an amount of {$6500.00} and make payments. He refused. He said it would have to be a lump sum payment. I told him that we do not have that type of money. This is a refusal. 
He then offered {$4500.00} if it were a lump sum. I again, because he is so special, told him that we do not have that kind of money laying around. 
Then Mr. XXXX stated that even if I make payments to them that it does not get reported to the credit beaureaus at all unless its paid in full. Then Mr. XXXX stated that my " Rental Bureau '' report would not show anything of payments unless its paid in full. This is false statements and economic terrorism. 
XXXX  shows payment history on their site for this particular debt, as does the other bureaus- XXXX  , XXXX  . This company shows no payments being made for each and every single month since the debt was placed with this company. Economic destruction threats. Statements made by Mr. XXXX. 
This company is allowing their employees to coerce and make false and misleading statements to consumers. According to their own intake call messages, all calls are recorded. I attempted to negotiate in good faith. I explained that I could file bankruptcy instead of making an offer. He was not swayed and refused to work with me in any tangible way. 
The complaint against this company is that the person, I believe used a false name as it was, made false statements and representations in a bad faith attempt at collecting a debt. 
I made a {$20.00} payment to see if I even get a receipt to prove payment. Still have not gotten a receipt, at all, to which Mr. XXXX stated would be received. 

Then this company first shows a {$11.00} fee, a " convenience '' fee, to pay by debit card. Then when you run the card, it charges you {$4.00}. Why am I being charged for running a card even? 

In closing, this company and its representatives are fraudulent in their statements and can not be trusted to follow the laws as outlined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
Jefferson Capital System, Address, XXXX XXXX XXXX , XXXX XXXX, MN XXXX has been sending me collection notices in the about amount of {$4000.00}. XXXX XXXX, aaddress, XXXX  XXXX XXXX XXXX, XXXX, TX XXXX ( {$250.00} ). XXXX XXXX, address XXXX XXXX, XXXX TX, XXXX, ( {$710.00} ). The amount of theses collection has been reported past due. I do not know these companies. These companies do not have my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
National Credit Adjusters owes me XXXX XXXX for the damages and violations against me XXXX XXXX The Natural Person & Consumer. NCA sent me a letter stating I owed a debt. In this letter was numerous violations that NCA IS AWARE ABOUT! I have attached an affidavit of truth

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC.
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 2021-08-30 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: ND

Complaint narrative:
I received a message from Equifax that a Hard inquiry had been added to my credit report. Knowing that I had not applied for anything since XXXX  of XXXX, I went on to investigate. The Inquiry is from XXXX XXXX XXXX- Personal Loans and it states the inquiry is from XX/XX/XXXX. 

I immediately disputed with Equifax and have still been unable to open the PDF that was sent to me with their decision. I called and they stated that I would need to log on to your web site and file a report in order to get the hard inquiry removed. I have also added a freeze to my accounts so hopefully this can not happen again. 

I also tried 4x to contact XXXX XXXX XXXX, 2 times I was left on hold, the other 2 times I was transferred to a manager, no names given, and left messages only to not receive any communication back. 

I would like to get this removed from credit report as this is something I didn't apply for and would be very interested on how they got my information!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I had a mortgage with Freedom Mortgage, account # XXXX. On XX/XX/2021 the loan was paid off by my new mortgage company and there is an escrow balance of {$4500.00} due to me. They claim they have mailed it to me but no check has been received. If they have a check issued I want them to put a stop payment on it and issue a new check. Their latest communication is they will do research and will report on their research XX/XX/2021. 

Please help me get my money. 

XXXX XXXX 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 2021-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I went into a Covid forebaerance and I was granted 3 months this started in XX/XX/2020. When the plan was up the but the small amount onto the back end of the loan and advised me to start making my new payments. My loan adjusted and the payments went up over 4,000 per month. I was told to submit a modification package to see if they could help lower the payment. I requested the modification and sent in all the papers. The first time I submitted they came back saying that the mortgage was ineligible because the current unpaid principal balance on my loan was higher than the program limit. I did a appeal asking why you had me submit a modification and wait over 50 days to hear this answer. I received the appeal response and was told try again in 30 days. We submitted again and then got another response stating that based on the delinquency of the account they could not modify my loan. They knew the delinquency yet still put us thru another review. We were called several times and told to resubmit again we also received letters asking up to resubmit our Mod. We did this several more time at the request of SPS. Each time would drag out the process 30 or more days. I sent a letter to SPS request Why I was not given the right answers and also why they kept asking me and sending me packages to submit for a Mod but they would not respond. Under each plan that would be offered I was turned down for with only a short line response. I requested the full investor guidelines for my review and I requested the proof that the investor had turned down my requests. They also did not do the correct income figures which was 4000 less than my true income. I want all phone records as that way I can prove how many times they asked me to submit a Modification request. I was given the run around for months. SPS would come back and request More and More documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Mortgage Connect LP
State: CA

Complaint narrative:
We closed our refinance with XXXX XXXX  back in XX/XX/2021. During the loan closing they charged us {$1300.00} tax penalty which we had to pay as part of our closing cost. We submitted to XXXX XXXX County tax for refund in XX/XX/2021 on the tax penalty and received a refund in notice on XX/XX/2021 which was sent to Mortgage Connect the escrow company that closed our loan. When I reached out to Mortgage Connect for the refund of the amount of {$1300.00} they answered my emails and calls after one month saying they have sent the money back to XXXX as per their request. Until today I have not heard back from Mortgage Connect or any one from XXXX regarding my refund of {$1300.00}. They literally are passing the bucket and making me run around for my money.

Company response to consumer: Closed with explanation