vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-15 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: NJ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
We applied and used the forbearance period during covid-19 due to my wife position being eliminated. After the forbearance ended we are able to resume our mortgage payments and move forward, LoancareXXXX XXXX sent me a plan package that raised my interest rate from 3 % to 3.5 % and told me I had to make three payments at an elevated rate. In their plan they said I had the right to appeal which I did. After not hearing back from them at the end of the month I called them and was told even though it said that in the contract I was not allowed to appeal and had to make my first payment by the end of the month. I have now made 6 payments at their elevated interest rate and now they sent me loan modification agreement which outlines mothing, doesn't show my payments and increases my mortgage loan amount by {$30000.00}. I have called four time between XXXX and XXXX requesting hep and each time I am told a loan expert will call me back within 5 days. I have never received a call from them to date.

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 2021-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
took out a loan with Mariner Finance which they insisted on securing with a lien against our vehicle which at the time had been in an accident. The insurance company had previously declared the vehicles value was salvage {$350.00} which was told to the branch manager at the closing. I had XXXX XXXXXXXX in XX/XX/XXXX which didnt allow me to return to work for 12 weeks. I wasnt able to work many hours in the first month after returning to work and then I was laid off due to COVID. In XX/XX/XXXX I enrolled in a Debt Relief Program and submitted this account in the program. XXXX XXXX couldnt accept a secured debt, MARINEER FINANCE declined to remove the security. Subsequently the branch manager refused to accept the offer of the trade-in allowance as settlement of the debt. Every month since XX/XX/XXXX MARINEER FINANCE has reported the account a CHARGE OFF, PAST DUE to the credit bureau. Their actions are nothing more than retaliation and a deliberate violation of the Federal Fair Debt Collection Practices ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened a secured credit card with Capital One Bank in XXXX of XXXX and gave them a several deposits totaling {$600.00}. Therefore, my limit was {$600.00}. I closed the account on XX/XX/XXXX and they are only refunding {$450.00}. They say the reason is that they can not locate all of the deposits. They are withholding {$150.00} due me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've submitted several disputes to the credit bureaus and to no avail have I received a response from the bureau 's Transunion, XXXX and neither XXXX. 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 2021-11-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I currently have a TD Bank credit Card, I went to the local TD Bank and attempted to make my payment to them. Their offices was closed due to the COVID 19 pandemic. I called TD Bank and tried to make a payment over the phone. I tried to make a payment online and they had froze my account and refused payment. 

I did speak to a rep on the phone and they claimed they would remove Eventually, the account was unfrozen. But now I have am showing a late payment for XXXX and XX/XX/2020. This was beyond my control due to the COVID 19 pandemic. I have been disputing these late payments for these reasons, and TD Bank has NEVER responded to my dispute letters. I don't understand how is this my fault when everything was closed down due to the government orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: Self Financial Inc.
State: IL

Complaint narrative:
There were multiple charges on my card which I disputed with the company and as of today the charges are still being presented. And i was told it can take up to 5 days at first but now I'm told something different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: EQUIFAX, INC.
State: MI

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: VA

Complaint narrative:
XXXX of XXXX I had a XXXX. Because of that XXXX I had multiple care takers coming in and out of my home to take care of me and help me. They had access to my credit cards, personal information, and mail. In XXXX of XXXX I found out that one of those people used all of my existing credit cards and opened many more without my consent. I contacted all three credit bureaus. I filed reports with the Federal Trade Commission per the advice of the police because they did not take a report because there were so many unknown people who helped with my care and I did not know who did it. I was able to resolve 13 of the fraudulently used or obtained accounts by sending them the federal trade commission report, a copy of my license, a copy of my social security card, a copy of a utility bill, a notarized identity theft affidavit, and letters from other creditors that were effected and resolved. 7 credit card companies continue to refuse to remove the accounts affected by this identity theft although I have contacted them multiple times sense XX/XX/XXXX and sent all the documents listed above multiple times. I contacted the federal trade commission to see what I could do to resolve this and they told me to file complaints with Consumer Finance protection agency to finish getting this identity theft issue resolved to have my credit report updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have repeatedly asked American Express to stop marketing credit cards to me. I have also stated that i am not interested in getting advertisements for cards i will not be approved for. I have also stated that i have spent {$1000.00} 's upon {$1000.00} 's repairing my credit. American Express repeatedly violates my rights in regards to this request. I am continuing to receive marketing from them. This time i opened my XXXX profile and i see a credit card solicitation in my inbox. I am seriously only trying to protect my own personal financial well being. I am asking to stop receiving marketing attemtps for cards that i am not going to be approved for. I have made this request through XXXX, I have made this request through XXXX as Opt-Out, I have made my motives and requests very obvious to Amex. I continue to beg American Express to STOP marketing credit cards to me that i will not be approved for and that will bring down my credit score. This continued marketing is violation of my rights and should be noted as part of any further legal action i am advise i could take to stop these misleading advertisements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I submitted a dispute with the credit bureuas for them to look into a few accounts that are reporting that i'm not aware of. I have not received anything to update me on the status of these accounts or if they're looking into it or not. 

Letters sent to the bureaus on the following dates : XX/XX/2021 XX/XX/2021

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 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I first received a notice from Wells Fargo in late XX/XX/2021 thanking me for opening an account with them. I called them and they assured me that there was no account in my name and the letter was likely due to user error - I explained that made no sense since I have never banked with Wells Fargo. But since I was assured there was no account, I felt the matter was closed. Today ( XX/XX/2021 ) I received a statement at my home address for a checking account. When I called the customer service number, I got transferred around multiple times. I wanted to know where the account was opened, what associate opened the account, when it was opened, how they verified my information, and how they verified the information to conform with the Patriot Act requirements. All they could provide me was that the account was opened in California and that I could close the account by going to my nearest branchsoooI guess I need to drive 5+ hours to the nearest location a to get this fraudulent account closed - since there are no Wells Fargo banks in my state ( there is a Wells Fargo Mortgage location in my area, but they said they could not assist ). If I do drive to the nearest branch, I wouldnt be the least bit surprised if they tell me to fly to California to close it- but they cant even provide the city that the branch is- so I guess I would have to spend a week or so visiting every branch in California until I found the branch that the account was opened in.This is absolutely ridiculous and frustrating. This bank has scammed people for too long - their ability to participate in the FDIC program should be revoked - that would drive customers away in droves and likely make them take seriously legitimate complaints from people similarly situation as me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MN

Complaint narrative:
This company is incorrectly applying a portion of my mortgage payments to escrow and not crediting me for the full payment to my mortgage. 
As of XX/XX/XXXX my mortgage was current. My monthly mortgage payments are {$1100.00}. 
On XX/XX/XXXX I made a partial payment of {$300.00} toward my XX/XX/XXXX mortgage payment, leaving a balance due of {$890.00}. 
On XX/XX/XXXX I paid the balance of {$890.00}. 
In mid-XXXX  I noticed the company was showing that I still owed {$300.00} for the payment due XX/XX/XXXX. I called to inquire why they were claiming I still owed for XXXX when the payment was made in full. They informed me the {$300.00} payment I made on XX/XX/XXXX was applied to escrow. I told them I did not direct any payment to go to escrow. The agent told me she would submit a request to have the payment taken from escrow and applied to the mortgage payment. 
On XX/XX/XXXX I made a single payment of {$1100.00} for the payment due XX/XX/XXXX. 
The company applied {$300.00} of that payment to XXXX 's mortgage payment and the remaining balance of {$890.00} they applied to escrow, making it look as though I made no payment for XXXX. 
I called 2 more times ( a total of 3 times now ) requesting that they fix their errors. No one can explain why they are applying part of my payments to escrow without crediting me for the payment. No one can give me answers and the problem has not been corrected as of today 's date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Credit Collection Services is attempting to collect a debt that is 1 ) Possible identity theft and 2 ) Possibly past the statue of limitations for collection. 
XXXX also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency. 
I am now demanding proof proving this debt belongs to me, including proof of my identifying information that connects this debt to me. 
I am also demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have had my account frozen in Coinbase for well over a year. I have tried to contact Coinbase well over a hundred times, literally! Unfortunately, they refuse to help me resolve the issue. The oldest email to date is from XX/XX/XXXX. I have about {$500.00} stuck in my account which may not seem like much to some. I couldve used this money to invest in other coins/ stocks and it could have been worth much more than {$500.00}. Also, for me that is a lot of money as I am a college student that works very hard for each dollar I earn, not to mention I have a substantial amount of debt. Any help is very much appreciated!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have two FFELP loan through Navient that was taken out in XXXX. I have been making payments on this loan, never missing a payment. As of today, Navient is claiming that I owe {$5400.00} still on these loans. The total of these loans in XXXX, when they were taken out, was {$9800.00}. Basic math shows that over the course of the time that I have had the loan, I have paid as of this last payment, {$14000.00}. I pay monthly, {$100.00}, and the loan is listed according to Navient to be paid in full by XXXX. That would have me paying a total of {$19000.00} over the duration of the loan, resulting in over {$9500.00} being paid just in interest on the loan. This does not match up with the interest rate on the loan of 5.25 % Even checking with various calculators, the total payments on the loan, including both principal and interest should be approximately {$13000.00} over a 10 year term. As of the time that Navient claims the loan will have ended, that would have been a 20 year term. Navient is clearly not applying the payments to the loan in the correct manner and is also using a higher rate of interest then listed on the loan ( basic calculations show that Navient is charging me 15 % interest on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
Commonwealth Financial System submitted a negative report on my credit bureau for an attempt to collect a medical debt of {$160.00} that I never received any advance notification for. I spoke with their representative for the first time 2 weeks ago and paid the debt on XX/XX/2021, however they submitted a negative report on my credit bureau. I want them to remove the negative remark from my credit bureau as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am in the process of working with a mortgage lender to get approved for a VA Mortgage loan. The mortgage lender sent me a copy of what is showing in their underwriting system. XXXX XXXX XXXX XXXX is currently reporting that my home is in foreclosure and payments are over 180 days late. This was last reported in XX/XX/XXXX. I briefly fell behind on my mortgage payments after I was furloughed from my job. I have been current on my mortgage payments since early XXXX, well over a year. I called XXXX XXXX XXXX XXXX twice to have this corrected and to request a letter stating I am current on my mortgage payments. They have refused to provide a letter before 5 to 7 business days or immediately correct their fraudulent credit reporting.

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