vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
In the Wells Fargo response to CFPB complaint XXXX XXXX XXXX XXXX XXXX XXXX " on XX/XX/XXXX, we received returned mail and we suppressed statements for XX/XX/XXXX and XX/XX/XXXX. '' That is there is a causal connection between alleged returned mail and cessation in statement generation WHILE continuing to bill, and that alleged items of returned mail equally stopped electronic statements from being generated. XXXX XXXX XXXX then provides another statement connecting the billing errors for XX/XX/XXXX and XX/XX/XXXX to me, alleging " We confirmed that statements were restarted in XX/XX/XXXX, after you confirmed address in XX/XX/XXXX. '' I did not contact Wells Fargo in XX/XX/XXXX to update and/or confirm my address information. I didn't know there was any issue ( XXXX ) with my loan accounts at the time. Although contradictory to other statements, a XXXX XX/XX/XXXX response and clearly states the accounts were in deferment for XX/XX/XXXX and XX/XX/XXXX. Having no access to even electronic statements, I would not know there was any issue with the accounts ( billing was suppressed. XXXX XXXX alleges no communication took place over those same months in his XXXX XX/XX/XXXX response to an inquiry from my State 's Office of the Attorney General, claiming that WF has no record of call communication from me after XXXX XX/XX/XXXX. This is misleading as my accounts were placed into a deferment on or around XXXX XX/XX/XXXX, and I'd been filing complaints and receiving responses to billing errors since around XXXX of XXXX -- to which WF responded. All of this is important because XXXX XXXX claims in XXXX that statements were withheld from me ( unlawfully ) and that my right of notice was only re-enabled once I confirmed my address in XX/XX/XXXX. The XX/XX/XXXX time-frame seems rather arbitrary and odd. What DID take place on XXXX XX/XX/XXXX is a Wells Fargo soft inquiry on my credit files. Attached is the inquiry from XXXX. Considering the timing of the soft inquiry, it appears to be an inquiry conducted in a similar manner to what a debt collector would do in order to find/contact/mail a collection notice. The point is I did nothing between the months of XX/XX/XXXX and XX/XX/XXXX to warrant that should have prevented me from receiving a statement. The last knowledge I had was that the accounts were deferred. Yet, somehow WF has implied their systemic failures are my fault, despite the fact that I was communicating with them, and despite the fact that I continued to reside and receive mail at the same address.

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 2022-09-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB + Experian, On my XX/XX/2022 credit report it shows inaccurate names and variations of my name- please have this corrected as soon as possible. 

attached to this complaint are : - my drivers license - my social security card - my address- my complaint- a screen shot on credit report of names showing Please have my name corrected as soon as possible.

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 2022-09-21 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: EdFinancial Services
State: FL

Complaint narrative:
My account has been sold to a different bank Fed loans and Fed loans has sold it to XXXX Ive called multiple times ed financial with no respond spoke to multiple agent they everybodys giving me a different answer if I need to speak to a customer service supervisor and theyre telling me I have to wait 24 to 48 hours and I cant get no help theyre reporting on my credit my accounts have a balance and they showed no balance from their side Ive spoken to XXXX theyve said they sent a dispute over trying to buy a house and I cant because theyre reporting the wrong account one of them is open one of them is close one of them has a {$1100.00} the other one has {$640.00} with past due payments over 120 days which is not correct Need help as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
On XX/XX/XXXX a payout to XXXXXXXX XXXXe for XXXX $ To settle the lease for a new car purchased at XXXX XXXX XXXX. 

The payoff for the 2019 XXXX was XXXX XXXX As per XXXX XXXX own website, they were to remit the difference within 15 days of the payoff. I have yet to receive the refund. Additionally, XXXX took 6 days to even acknowledge the payment only listing the amount due, not the overpayment. 

XXXX has not honored their own policy in issuing a refund, but also a level of malfeasance in reporting the payment on my account. Ill file a separate report as they have also manipulated this account with the credit bureaus.

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 2022-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I've been trying to make a payment on my XXXX XXXX XXXX ( the one you can only use at XXXX  and is issued by Citi Bank ) for the last month. I used it for years, zero problems till this month when I went online to pay and when hit submit payment it didn't go through and gave me this message " payments operations disallowed due to account status ''. So I tried over the phone and didn't work so they transferred me to an agent. For 2 days I was with 6 different agents for hours and they can't figure out what is wrong, they hung up on me, transfered me to different agents without notice so eventually my payment was past due. They gave me a late fee but were able to reverse it. They said they created a case, never gave me a case number and would contact me with a solution. It has been two weeks and nothing so I decided to try again online and over the phone and the same problem. Again talked to 3 different agents for hours with no solution. We tried different checking accounts, debit cards to pay and nothing works. It's not my accounts cause I paid all my other bills and had no problem. I even tried calling Citi directly but can't get through their automated system if you don't have an account with them, since my card is not visa or mastercard, it is just for XXXX they don't recognize my account. I'm don't know what else to do, XX/XX/05 is my next payment and I don't want late fees I don't deserve. This is hurting my credit score and I just want to know why I get that message and pay my total {$280.00} and possible just close that account, don't want to go through this again.

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 2022-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank ( U.S.A. ) N.A you broke the law according to the FDIC. 
This notice of mine has been written XX/XX/2022, and is being submitted as dated XX/XX/2022. 

Capital One Bank ( U.S.A. ) N.A agreement violates my consumer rights and I refuse to liable to perform and the demanding the reflecting balance on the account the same be credited to the account, failing to comply will be a breach of fiduciary duty. Capital One Bank ( U.S.A. ) Bank N.A must perform on it's obligation and " promised '' offer according to the FDIC ( See attachments in accordance of the Rule ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Valon Technologies, Inc.
State: WA

Complaint narrative:
I have an Adjustable Rate Mortgage which resets every year on XX/XX/XXXX to reflect a new interest rate. 
I regularly pay added principal which decreases the interest collected from each payment. 
My loan was sold on XX/XX/22 to Valon Mortgage Inc. 
which used an incorrect estimate of the outstanding principal balance to amortize the new loan payment at the reset date of XX/XX/22. 
The difference in the minimum payment is only a few dollars each month but it means the math has been calculated in error. 
Valon has also incorrectly applied my prior extra principal payments to 'calculate " full principal and interest payments then used shorten the XXXX loan term remaining. See file. 
That the extra principal has already been used to decrease current interest doesn't seem to register. 
That error will affect all future loan amortization since, even if the last year 's balance is small, the ARM loan will be fully amortized in that last year to yield maximum interest which means a full year of payments. 
My account page reflects that mistake in the 'payments remaining ' portion which is enclosed. 
Repeated attempts to set this issue right have been ignored in lieu of nonsense replies blaming the prior servicer for 'finalizing ' the incorrect balance. 
Email copies and a screenshot of my account page are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: FL

Complaint narrative:
AFNI began correspondence with me XX/XX/XXXX regarding collections of {$130.00} for acct. # XXXX. In responding to their claim, we have been going back and forth regarding this matter with the latest letter from me dated XX/XX/XXXX. I have made countless requests asking for documented proof of an agreement between myself and their customer ; they were only able to provide my final bill. 
Dates of communication : XXXX XXXX - my response was XX/XX/XXXX AFNI XX/XX/XXXX mailed me a copy of my final bill- AFNI XX/XX/XXXX mailed a letter stating their verification of the acct with the customer- I responded XX/XX/XXXX AFNI XX/XX/XXXX mailed another letter stating their verification of the acct with their customer- I responded XX/XX/XXXX AFNI XX/XX/XXXX third letter stating their verification of the acct with their customer- I mailed a letter XX/XX/XXXX to both AFNI and Comcast regarding the standstill of possible resolution and their responsibility to provide due diligence to ensure accuracy of their claim. 
AFNI XX/XX/XXXX mailed the same form letter a fourth time stating verification of the acct.- I responded XX/XX/XXXX AFNI XX/XX/XXXX letter stating their previous investigation and how I have not provided any new facts to warrant a valid dispute.- I responded XX/XX/XXXX explaining my intention to file a complaint with CFPB and FTC. I have not received any response to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: TX

Complaint narrative:
Hello., This is my 3rd attempt reaching out to the CFPB regarding the reporting of XXXX Account XXXX XXXX. XXXX deleted the account after conducting a proper investigation and the account was deemed to be non-verifiable/reporting inaccurate information. However, TransUnion and XXXX keeps stating that the account has been verified which Im confused by if all the credit bureaus are conducting the same investigation and reaching out to the same creditor. 

Ive took it a step further and decided to reach out to XXXX myself via certified mail to verify/validate the reporting of the account ( tracking information attached ). 

The letter was delivered on XX/XX/XXXX and I received a letter from XXXX stating that they would respond within XXXX business from the date they received the letter ( XX/XX/XXXX ). Its been well over 10 business days and I have not heard anything back from XXXX. According to the FCRA this is a violation and Im requesting to have the account removed from my XXXX and TransUnion report immediately!! 

Also., It is my understanding that Under the FCRA 15 U.S.C .? S 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. The account is reporting inaccurate 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 non-monetary relief
Consumer complaint received 2022-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I want paper statements. Since starting this mortgage, I have called 3 times requesting monthly statement. They said in their system that they are sending me paper statements, but I have not received a paper statement. 
I called in XXXX of XXXX, XXXX of XXXX and today, XX/XX/XXXX. They continue to say I am set up for mailed statements, and I have not received one statement in the mail, except when I call and they send me back statements. 
They have records of my three calls, and each time they send me the back statements that I did not receive, but the system never sends statements. 
I want paper statements, I have always wanted paper statements, and I want them to fix the problem, recognize it is an issue, and correct the coding or whatever is causing the issue that I am not receiving the statements. 

This is a mortgage with my son, XXXX XXXX. The property address shows on the statement. Their system shows statements should be sent to my address : XXXX XXXX XXXX, XXXX VA XXXX. They have confirmed each time that their system shows to send the statements to XXXX XXXX. Neither address receives the statement. The statement should be mailed to XXXX XXXX XXXX, and that is what they have in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following positive information is missing from my Equifax credit file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
I have tried to dispute this off my credit report with the collections agency because i never consented in my medical information being released to them by XXXX XXXX and its negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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:
CFPB + TransUnion, In my XX/XX/2022 credit report I noticed a wrong name and/or name variation- please have this corrected asap. 

attached to this are : - my drivers license - my social security card - my address- my complaint - screen shot of where it is located Please remove all incorrect name and/or variations as soon as possible.

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 2022-09-21 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: PA

Complaint narrative:
XXXX XXXX To : Whom it may Concern, I was looking over my consumer report and noticed a few accounts that I need more explanation on. I'm seeing different dates on accounts that appear to be the same companies. I have asked them to verify these accounts in which they said was verified but didn't provide me with any proof of these accounts. Pursuing to 15 USC Section 1681i ( a ) if they can't provide proof of these accounts they must be deleted. Can you please check over these accounts and reach back out to me via email XXXX In Accordance with the Fair Consumer Reporting Act XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX-XXXXXXXXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Has violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 2. Also states a consumer reporting agency can not furnish a account without my written instructions.

Thanks In Adavance 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 non-monetary relief
Consumer complaint received 2022-09-21 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: MS

Complaint narrative:
In accordance with the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following. Any item of information any other adverse item of information, other than records of conviction of crimes which antedates the report by seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2022 I made a payment of XXXX one day late and was charged a late payment fee of {$29.00}. This caused my payment to increase for the next month. I contacted Citi customer service and asked if they could remove the late fee as I have always paid my account on time and only fell behind one day due to XXXX issues. The customer service representative acknowledged I had always made my payments and stated he would remove the late fee. I then stated it was for a hardship so would that lower my payment back to the amount I usually paid and he stated yes to pay the amount of XXXX by the due date of XX/XX/2022 and this would resolve my issue. On XX/XX/2022 I made a payment of XXXX. I was then charged another XXXX late fee by this company. I placed another call to customer service. I explained the situation and the information I was given by the previous customer service representative. I was then informed my account had been closed by Citi. I requested to speak to a Supervisor and was transferred to their escalation team. I repeated my story yet again and was told I could not get another late fee removed even though the employee acknowledged I had been given incorrect information by the previous customer service employee of this company. I was offered to go into one of their debt programs as the only solution they could offer. I agreed to enroll in the program and set up automatic payments monthly to pay off my balance. The next month I get an alert from the Credit Bureaus that my account is being reported as over 30 days late which is now impacting my credit score. I place yet another call to customer service and explain this entire story and was informed that they have been trying to work with me and the account being late is my fault because I am not paying the correct amounts. By this point I was now furious as this entire matter could have been avoided had I simply been told back in XXXX by the customer service representative that I would need to pay XXXX instead of XXXX. I again request to speak to a Supervisor, am placed on hold multiple times then told " due to extenuating circumstances no-one is available to take my call and they will get back to me in 24-48 hours. I am filing this complaint as this is poor customer service in my opinion on every level. I have never made a payment 30 days late to this company. I paid the amount I was told to pay and it has been a downhill spiral every since. I am actively paying on this account so that I never have to do business with this company again. A simple XXXX search showed an alarming number of complaints against this company for poor customer service.

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 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I was on the account with my she has passed away.

Company response to consumer: Closed with explanation