vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
This company is reporting a debt not owed to the credit reporting agencies that is damaging my credit. I do not owe this debt and have tried repeatedly to contact the collections agency to have this debt removed.

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 2020-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
FINANCE SYSTEMS OF TOLEDO IS TRYING TO COLLEXT XXXX FOR A DEBT THAT I ALLEGEDLY OWE TO THE LIBRARY. FINANCE SYSTEMS LIED DURING THE FIRST COMPLAINT AND STATED THEY SPOKE WITH A LIBRARY ADMINISTRATOR. THERE IS NO LIBRARY ADMINISTRATOR AND THEY NEVER CALLED. I SPOKE WITH THE LIBRARY MANAGER NAMED XXXX WHO CONFIMED THAT THE BOOKS WERE TURNED IN AND THAT FINANCE SYSTEMS NEVER CALLED TO CONFIRM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payment for the following date : XX/XX/2019 I am not sure how this happened. I believed that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: FL

Complaint narrative:
We took out a loan with XXXX XXXX on XX/XX/XXXX, and they required escrow for taxes and insurance. After paying for a year we requested being allowed to stop paying escrow, and XXXX XXXX told us that, because it was a XXXX XXXX Loan ( which we were not aware of ), we had to pay escrow for a total of two years before being eligible to stop paying escrow. 

XX/XX/XXXX, we were notified that the loan had been transferred to Ameris Bank. In XX/XX/XXXX, when the two years of paying escrow was finished, we requested Ameris Bank relieve us of the necessity of paying escrow. I have a very large amount of assets, a credit score over 800, and have never ( in over 40 years ) not paid a mortgage, property tax, or insurance bill. They rejected our request for two reasons. One was because they, not we, had allowed the escrow account to go negative ( {$730.00} ) for a few weeks, and the other because they claim that they require 5 years of escrow before we are eligible to stop paying it. Loan # XXXX. 

We have been going back and forth with them since XX/XX/XXXX of last year, and they continue to insist on five years. But, despite a multitude of requests and phone calls from us, they have been unable/unwilling to produce anything in writing with either of our signatures, whereby we agreed to payescrow for five years. The only thing the lending documents says about escrow states " Lender may  waive Borrower 's obligation to pay to Lender Funds for any and all Escrow items at any time ''. 

The letter from Ameris, attached, has been sent to us unchanged, multiple times. I have spoken to Customer Service Reps, and Supervisors, multiple times ( first time to XXXX on XX/XX/XXXX, and most recently XX/XX/XXXX I spoke to XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2019 I received a following message from Chase ( my  bank ) : " Chase QuickPay Team XXXX To : XXXX XX/XX/2019 at XXXX XXXX  You received a payment XXXX XXXX sent you money through Chase QuickPay with XXXX. Your sender is registered with a XXXX member bank that supports payments in real time. You'll usually get their payment in a few minutes. 
Payment details : Amount : {$120.00} ( USD ) Memo : For claim number XXXX To learn more, sign in to chase.com/QP. 
Have questions? Please call Chase Customer Service at XXXX. 
Sincerely, Chase QuickPay with XXXX team '' I was expecting this payment. However, this amount was NEVER CREDITED to my account by Chase Bank. Numerous communications with various Chase representatives did not lead to any resolution. The last was on XX/XX/XXXX, XXXX XXXX from the executive office, XXXX, ext XXXX who called me once and never returned my calls afterward. I need Bank to credit my account for the amount that they apparently lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
First of all I have been having to fight with them over a year now on specifically thes3 two creditors XXXX  ( XXXX XXXX XXXX ) and XXXX XXXX XXXX. LIKEWISE THE KEEP ALLOWING UNAUTHORIZED ACCES TO MY CREDIT REPORT AND POSTING UNAUTHORIZED/non permissible purpose inquires onto my report all hurting my credit score and causing my financial stress and d3cline of credit. 

In reference to both remaining collection accounts, I have sent numerous letters XXXX XXXX XXXX and XXXX XXXX/XXXX  - validation letters and eventually lawsuit letters For violating federal law, FDCPA, numerous violations. XXXX refuses to respond. XXXX has admitted they can not find a signd agreement and have no such agreement, contract or debt signature bearing my signature and therefore can not verify or validate said accounts according per FTC guidelines oe required under law. As such both XXXX and XXXX ha e removed these from their credit reports as allegged accounts cannor be validated or properly verified per law and the FTC. Yet after telling Transunion this, communicating that these entities can not and did verify and validate these alleged accounts bor did they have the becessary documentation via signed contract or agreement bearing my signature thry continue to report this. Likewise, i sent them copies of letters i have sent via certified mail and fax to these entities as well as copies of letters to themselves and the Consumer Finance Protection Bueau complaint and responses where thry admit not being able to find an account, Transunion contiinues to post these two bogus, fraudulent entries into my report causing me credit issus and deflated credit score Another continued issue is the illegal reporting of unauthorized credit hard inquiries on my report. Not only are there ones they have been notified and inaccurate and disputed numerous times with themdling nothing, they now have allowed more as of XX/XX/2019 to occur and report that I did not authorize and that do. Not have my permission. I have called each of these once i found there by my credit monitoring and were told they can not provide me my authorization or application with my signature or approval one that did not fit but just showed up is XXXX, XXXX XXXX XXXX XXXX that I did not apply to

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 2020-01-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I have never been late on the Heloc account and the servicing company knows this. BB & T filed a lawsuit claiming that a default occur when i never did. The note expired and is the reason for the lawsuit. Before the note came to its maturity date, I applied for a loan modification to extend credit. BB & T failed to process the request by claiming that due to the foreclosure loss mitigation was not an option. We disagree with BB & T lending practices. All servicing companies participate in the loss mitigation program specially in the State of Florida, a judicial state. in fact, millions of loans have been modified while on foreclosure. A few days ago i spend 5 hours on the phone with BB & T requesting contact and fax number to the loss mitigation department. I was transferred to more than 9 customer service individuals. None of them were able to provide any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I logged into Transunion 's online dispute service to submit a new dispute. However, when I logged in I was taken to a page that only showed my old dispute. On this page, there is a sentence, " To submit a new investigation, click on the New Investigation link above. '' But there is no link above. I attempted to call their tech support number XXXX and was disconnected after approximately four minutes. I then called the general support number XXXX and was likewise disconnected after approximately four minutes. Transunion needs to either fix their website and phone numbers so that consumers can contact them and dispute erroneous information or be shut down by the Federal Government. I never authorized Transunion to hold my personal information in perpetuity. I have no privity of contract with them, and yet they lord this information over my head and do absolutely nothing to resolve discrepancies.

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 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
l. Loan originated predatory based on the ethnicity. XXXX XXXX targeted for variable interest rate loans. 
2. Loan is over 30 years old with no delinquency on payment history yet the balance of the loan has not reduced as payments were made. 
3. Loan was sold to various servicing companies and several times it was requested to have the loan converted into a fixed rate mortgage. However due to appraisal value based on a predominately XXXX neighborhood was told the home did not have enough equity, We didn't want any equity back just a fixed rate. 
4. Now retired with less income and still never showed any delinquency in the payment history, Never was provided any options to adequately convert loan into a fixed rate to pay down the unpaid balance. We asked about the possibility of a short sale for the home. We considered just signing the deed back over to them and walk away but our credit would be affected. 
5. Original VA loan was serviced by XXXX XXXX. Other companies servicing the loan was XXXX XXXX, XXXX XXXX, Nationstar and now Mr. Cooper. We are not sure of the order of the companies, Last week after doing just a little investigation, we found out about a foreclosure that was found a then reversed but it was still in the court records. At no time were we ever delinquent on this loan. 
6. We need a breakout of how monies were applied toward outstanding balance and escrow balance. The lender 's name is Mr , Cooper Loan # XXXX XXXX The property address is XXXX XXXX XXXX XXXX NC XXXX Parcel # XXXX XXXX XXXX Please leave a message. XXXX cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
At the end of XX/XX/XXXX I traded in my Toyota leases ( XXXX XXXX & XXXX XXXX  ) to XXXX XXXX in XXXX NY. XXXX Sent Toyota check ( s ) to pay both off. It appears that Toyota misapplied funds, all monies were apply to XXXX leaving an overage. I received a late notice for the XXXX? I called XXXX to find out why. Mr XXXX, sent me a copy of the canceled check for the highlander. I could not reach Toyota. Mr XXXX DID get through to Toyota XX/XX/XXXX, talked with XXXX ID # XXXX she assured him money would be transferred. I figured that would be the end and Toyota would correct their mistake. The beginning of XX/XX/XXXX I noticed something odd on my credit report reported from Toyota so once again I phoned Toyota on XX/XX/XXXX. On XX/XX/XXXX, I spoke with 3 people XXXX ID # XXXX, XXXX ID # XXXX & XXXX ID # XXXX. XXXX was the only person that seam to have some knowledge and found the mistake, she asked to give it a couple of weeks so the money could get correctly applied after the account was reviewed. I called today XX/XX/XXXX ( 2 wks ), talked to XXXX ID # XXXX, after explaining what happened to the account, she went through the notes. XXXX told me that the account need to be reviewed & give it a couple of weeks. This has given me much trepidation, and is affecting my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I had payment arrangements set up. I didn't have the account anymore and I was also in the process of moving

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
My wife has XXXX and has had for several years. She had an account with Home Depot. Her XXXX XXXX  son has been causing all the trouble you all have fixed. He used identity theft to charge over {$8000.00} to her Home Depot card. I would not be on the same credit account with her. The Mississippi Attorneys Office is investing the son abuse of a XXXX  person. I do have an account with Home Depot. I do not remember using my card. I had a conversation with Home Depot. All of this was addressed. They H.D charged with her debit. It is not my account.

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 2020-01-31 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: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX of 2020 I contacted Capital One when I was made aware that payments in large amounts had been posted to my account. They said to give it a few days, and see what happens. I didn't want my accounts closed, nor suffer any more loss because it had been a bad year for me already loosing my job and having to move twice due to Hurrican Florence. A week later, nothing and I called again to advise them that I had not made these payments. I also noticed a new name was added to my account as well as an authorized user in which I did not agree to. They took all that information off, and had me change my login in information and passwords. However not once did they offer to do anything more than wait and watch. A few weeks later I was notified that the payments where being returned and my accounts would be closed. I have made my payments on time and have been in a great long standing relationship with Capital One. I am upset they did nothing, nor offered me any assistance to keep me protected as the customer. Then closed both my accounts without warning and resulting in horrible credit scoring when I have been in process of trying to buy a home and this whole disaster has hit me hard. I can't get anyone now at Capital One to look into the fraud or investigate it. I have made a police report because essentially I am being punished for something I tried to handle and have been let down and abused after being a long time customer. I have attached the police report for your review. I have two credit card accounts with Capital One. 
( there is a portion that asks for the card number, I out one in there, but I have two credit cards with capital one and this incident happened to both accounts. Please reach out to me for second account number if needed or if they can use information provided to access both accounts. ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX, Transunion and XXXX  are reporting an account with XXXX XXXX XXXX that should have been removed due to the 7 year rule.

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 2020-01-31 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX, XXXX  and Equifax are reporting an account with XXXX  XXXX XXXX that should have been removed due to the 7 year rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian, XXXX and XXXX are reporting an account with XXXX  XXXX XXXX that should have been removed due to the 7 year rule.

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 2020-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received a 1099-C from US Bank for cancellation of debt in the amount XXXX. I have not had an account with US Bank in over a decade. When I contacted them they said it was for a business that was closed about a decade ago. The debt was from 7 years ago in 2013 supposedly. I have not used this account nor was even aware I had this account. Had they tried to collect or even sent me a bill I would have disputed any charges at that time. They claim they spoke to me in 2013 and I said if you did speak to someone it was not me. Instead of helping me they said take it up with your tax adviser. There are numerous regulatory violations here. To start, this is not my charge and I was not even aware there were charges for 7 years. This would have been disputed if I was aware per REG E and I am sure there Visa or MasterCard agreement. I would also say there is FDCPA violations as there was never an attempt to collect a debt, not was there any notification for 7 years that there was a debt for a company that was closed 10 years ago. Additionally, the contact info on the 1099-C is incorrect and had to be transferred to 6 different individuals all scripted to say they cant assist.

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 2020-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
My loan transferred to Carrington Mortgage Services on XX/XX/XXXX. I have had problems ever since. On XX/XX/XXXX I went to the Carrington website to schedule a mortgage payment. I inadvertently scheduled this payment on the wrong checking account. I have several problems with the system they use to collect payments. 1 there is no option to verify your payment before you complete the transaction. You put the checking account info in and boom the payment is complete. After noting my error, i.e. scheduling a payment on the wrong account ( the account with no money in it ) I called Carrington to inquire on how to delete a payment. The customer service rep told me there was no option on the website to delete a payment. I then explained the situation to the rep. She placed me on hold for two minutes then returned to the call and advised me there was no way to delete the payment. The payment was gone from the system and on its way to my bank. I explained to her I set the payment up five minutes again. She replied and told me the draft ever hour and there was nothing she could do. I told her the payment would over draft this account and cause NSF fees. Please delete the payment she transferred me to a Sr Customer Service Rep of XXXX. I explained the aforementioned sinaro to XXXX and asked her to please delete the payment. She told me the payment was gone and call my bank to place a stop payment on the bank. I told her I did not want a {$50.00}. stop payment fee. She told me that my only option then hung up. These types of servicers using these types of systems create a hardship on consumers. There should never be a situation where you can not correct a mistake. This payment processing software or company is using punitive practices on their mortgage customers. These types of process and practices create an undue hardship on its borrowers. Now Im faced with NSF fees because of how Carrington choose to process payments. I want them to cover my NSF fee and fix their software and allow customers the option to edit or delete and redraft a payment as to not create a hardship on the borrower. Also my bank told me the payment was an EFT and not a check. Its more difficult to place a stop payment on a EFT. This is horrible and must be corrected asap.

Company response to consumer: Closed with explanation