vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX who is under a loan servicer called XXXX XXXX have incorrectly reported incorrect information on all three credit reporting agencies. They reported that I was 120 days past due with my loans, which I am current. I have been paying my student loan payment of {$76.00} every month, which I have proof that it has been taken out every month for about 4 to 5 years. Two weeks ago, they reported incorrect information on my credit report that I was 120 days past due, which I was not and I am on the phone with them now and they do not know why that happened. They caused my credit score to decrease to almost 200 points from an XXXX. I am HIGHLY upset because the company had a system error or something. I want this correct immediately.

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 2020-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
My XXXX XXXX XXXX was repossessed in XXXX after missing one payment. While on the phone to negotiate payment with the representative, they dispatched someone out and had my car towed, while at work, and on the phone to set up payment arrangement dates to get caught back up. Fast forward to XXXX, I receive a notice to withhold on XX/XX/XXXX. Prior to this, I hadn't received any communication about this debt. The amount owing is roughly 28K. After pulling the court documents, the original balance was around 7K owing, and the original judgement was entered on XX/XX/XXXX. I don't recall receiving anything about this. I also noticed on the proof of service, the address was spelled incorrectly. There are no documents before XXXX that I could view, so I had to order them. However, according to self-help civil suit division of the court, a trial and all that took place to make this official. I have moved around, have had different jobs and nothing has come up regarding this, up to the latest action of having my wages garnished until after the fact. I was directed to this website because this company had a class action lawsuit against them where they lost for unlawful possessions and unfair debt collection practices. Something needs to be done about the {$500.00} that is coming out of this check, and will be every two weeks. And their legal department is past the point of any communication, even though there were no efforts to communicate with me, assuming they were pulling my credit report to find out where I worked and lived.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: DISCOVER BANK
State: GA

Complaint narrative:
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review.

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 2020-03-16 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: Client Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX account reported written off as bad debt was fully settled with CLIENT SERVICES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a Car note from WELLS FARGO DEALER SERVICES. I have been with this company since XX/XX/XXXX. In XX/XX/XXXX & XX/XX/XXXX, I ran into a hardship where I was late on my carnote payments. I am now up to date on my payments and now that it is XX/XX/XXXX, I have not made any other late payments. I would like to get these negative remarks removed from my credit removed and forgiven as I have been a loyal customer as well as making early and double payments. 

Thank you in advance

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 2020-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Windham Professionals, Inc.
State: MA

Complaint narrative:
I am having difficulty dealing with and securing information from Windham Professionals located at XXXX XXXX XXXX, XXXX, MA XXXX regarding a XXXX  credit card charge off. I have called Windham on several occasions to request information I am entitled to under both federal and state law with no success. When I called Windham, I was forced to deal with inexperience, young adults ( teenagers? ) that were incapable of answering even the most basic questions. I have requested on at least three different telephone calls a complete and accurate breakdown of the exorbitant balance they are claiming I owe. I requested a breakdown of all alleged charges, copies and dates of when the account was sold and to whom, past due fees, interest, attorneys fees, and any other fees. The current balance Windham claims I owe is {$3200.00}. I have also requested the cardholders agreement, any signatures linking me to this account, a copy of the original application bearing my signature, the original card limit, or any form of validation of this debt. It should be noted that I contact XXXX  directly ( XXXX XXXX  is the issuer ), and I was informed the account was sold to XXXX XXXX, XXXX, located in XXXX, Texas. I called XXXX XXXX, only to be told that the account was sold to Windham Professionals in New Hampshire. As stated above, I have called Windham on several occasions with no success. I have kept detailed notes with dates and specific information on these conversations. After I informed the young woman on the phone that I intended to initiate a Smalls Claims action against Windham, I received three old card statements, dated XXXX, XXXX, and XX/XX/2019 in the mail. I did not receive any of the other information that I previously requested. I believe I am entitled to this information. I am the XXXX  XXXX  XXXX  for my elderly mother who suffers from XXXX. This account owned by Windham Associates is keeping me from refinancing my home to help my mother. I have tried everything possible to address this debt, but Windham Associates is being uncooperative. They do not have enough experienced employees to assist consumers. They also do not have the information as required that I have requested to validate this debt. I am seeking help and guidance as to how to handle this situation. 

Thank you.

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 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX account reported written off as bad debt was fully settled with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX account reported written off as bad debt was fully settled with 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 2020-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I am a victim of identity theft. I discovered it in autumn of XX/XX/XXXX when I tried to open a credit card with XXXX XXXX. 
I believe my information was stolen after my first visit to the US in XX/XX/XXXX and used from XX/XX/XXXX to XX/XX/XXXX to open a number of fraudulent accounts in my name. Unfortunately due to my absence in the country from summer XX/XX/XXXX to autumn XX/XX/XXXX I didnt even though that it might happen as I didnt share my personal information with anyone except employers. During this time I lived in my home country XXXX and also studied in XXXX. I have all the proofs to this. 
I started fixing this identity theft issue right after I spotted it, by calling to fraud departments in banks where accounts were opened, contacting all credit bureaus, filing a police report, FTC report, IRS report. I sent proofs to banks, credit bureaus. All fraud data was cleared from my credit reports and after talking to investigation teams, most banks closed these fraudulent accounts but not XXXX and XXXX XXXX. 
I tried to contact these 2 banks numerous times, sent all possible proof that accounts are not mine. But they always resolve these not in my favor for various reasons. 
XXXX is stating that my name was added to an account as a secondary user, but I dont know or ever knew this person that it was added to. Neither lived on addresses connected to that account. I did provide them with all the info and police report as they requested but didnt get a note that it was anyhow investigated or resolved. I contacted them : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and send a police report around that time. But my name was not yet removed from this account. 
XXXX went even further and started selling this account to credit collection agencies and these started reaching out pushing me to pay for something I never owed. Every investigation result they send me is the same template. The investigation team never reached out to me even after they promised me to get me with the investigator. I contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Please assist, as at this point I dont even know what to do as these banks are straight harassing me with no reason for this messing my perfect credit history. 

Account numbers are the following : XXXX XXXX XXXX, opened XX/XX/XXXX, {$25000.00} XXXX XXXX XXXX, opened XX/XX/XXXX, {$16000.00} Both accounts are charged off. 

Please let me know if you need any additional information on this.

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 2020-03-16 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: IL

Complaint narrative:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX never late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: MD

Complaint narrative:
XX/XX/2020 Mr XXXX XXXX XXXX CEO & Chairman Capital One Financial Corp XXXX XXXX   XXXX XXXX XXXX VA XXXX Re : Searching for Refund Credit {$62.00} Dear Mr. XXXX : After spending 1 hour and 25 minutes on the phone on Friday XX/XX/20 with three [ 3 ] different customer service associates [ to no avail ] I am contacting you in search of your assistance. 

On XX/XX/2020 I received a refund credit from a merchant. I have attached a copy of the Refund receipt. 

As of XX/XX/2020 the refund credit has not been applied to my credit card account [ number ending in XXXX ]. 

During my elongated conversations with your customer service associates an associate initiated a three-way conversation with the merchant who confirmed, and your associate acknowledged, that the refund credit had been processed on XX/XX/2020. 

Please forward to an experienced associate who can research and apply the credit to my credit card account. 

Since the merchant has confirmed the credit has been processed, and I have not received the credit, it would appear that at this point that Capital One has been unduly enriched by funds that rightfully belong to me. 

Thank You in advance for your anticipated prompt response. 

Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Cc : Consumer Financial Protection Bureau

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Housing & Financial Educator
State: NC

Complaint narrative:
I paid them XXXX to stop foreclosure XX/XX/2019 and I call the bank and the last contact was in XXXX it is now XXXX and they are starting forclosue again and have a sell date

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
I have taken out a line of credit on XX/XX/2019. As of today I still owe {$1100.00}. I am trying to end this loan. I reached out to this company and they stated that since I live in Virginia that the are unable to make any arrangements with me. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: MECHANICS BANK
State: TX

Complaint narrative:
XXXX XXXX ( Mechanics Bank XXXX XXXX Nevada financed the XXXX XXXX XXXX XXXX XXXX  I bought in XX/XX/XXXX. I am XXXX XXXX and a XXXX Veteran who has seen my work slow down because of the COVID 19 Virus, yet XXXX XXXX continually harassers me with phone calls every day, late charges which exceed 10 % of the amount due and charges for GAP Insurance. 
I have told the callers repeatedly I have requested a due date change, they keep calling, I sent an email to XXXX XXXX detailing the issue, they continue to call several times a day. 
I tell them I will Only speak with a Supervisor, a XXXX who Is Not a Supervisor then calls within the hour. This behavior is unwarranted and causing Me XXXX  and XXXX  I Do Not Need or Do I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX XXXX not mine

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 2020-03-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Loancare refuses to answer any of my loss mitigation process questions, and over the last year has repeatedly denied me loss mitigation options that I was duly qualified for. Now that I have income again and am able to pay the mortgage again, the loss mitigation representatives are stalling and refusing to speak with me about my open application, which seems to be to the benefit of Loancare and their attorneys attempting to foreclose on my homestead property. I have repeatedly explained my situation to them and continuously updated them in good faith, however they refuse to comply with my requests and continue to foreclose, which threatens my job as I work XXXX XXXX and have nowhere else to go or funds to relocate. The servicer also refuses all payments until a highly unreasonable " reinstatement amount '' is paid, and continues to charge me unreasonable amounts of money, including over $ XXXX/month for their attorney.

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 2020-03-16 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: FL

Complaint narrative:
XXXX XXXX is the servicer of my mortgage. Some late fees have accumulated on the account but all p & interest payments have been made. XXXX is reporting the account as late or past due for LATE CHARGES.

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 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is the servicer of my mortgage. Some late fees have accumulated on the account but all p & interest payments have been made. XXXX is reporting the account as late or past due for LATE CHARGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In late XX/XX/XXXX, XXXX contacted me and requested a {$10.00} payment and then another {$150.00} payment on XX/XX/XXXX. On XX/XX/XXXX, they cancelled my account and did not appear to take the money out. On the same day, their authorized dealer that initially set up my account, advised me of the disconnected account which confused me given the arrangement on XX/XX/XXXX. XXXX from XXXX XXXX in XXXX GA, an authorized XXXX dealer, told me that XXXX disconnected my account and she did not even see the payment. She then advised me that I could start new services with her. I was going to move forward. 3 days later my account was debited by XXXX XXXX but my account was still disconnected. Due to this error and lack of communication, my account was overdrawn and I was charged fees. I called the XXXX dealer and XXXX XXXX who BOT admitted they caused the error and XXXX XXXX agreed to refund my money in 3 business days. That turned into 14 days which has now turned into nothing. On XX/XX/XXXX, I called XXXX XXXX with XXXX ( XXXX Dealer ) and we discovered that, as they previously admitted, they owe me the refund but now are unable to send it due to their system errors and employees that basically screwed the account. XXXX XXXX told me to go to the XXXX dealer. The XXXX dealer bounced me back to corporate. So i just dispute the charge with my bank because I was charged for something and did not receive the service! I disputed on XX/XX/XXXX with BOA. On XX/XX/XXXX, today, I received the usual notice that the claim could not be paid because it was authorized. I call in and speak with XXXX ( XXXX ) and am told that because it was an ACH transaction basically it is ok for the merchant to take monies from me and not provide a product or service. Bank of America is the worst and THIS TIME I am closing ALL of my accounts! WHY does BOA make consumers FIGHT against businesses with no integrity. It should be open and shut- no services or product, no money! Instead, the make ME fight to get my money back! I have not been able to resolve this with XXXX XXXX, the dealer, or BOA. These type of experiences make the greed and lack of integrity in the world much more disheartening!

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 2020-03-16 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: NCS, Inc
State: IA

Complaint narrative:
Noll Credit # XXXX is reporting a debt that is not mine. This is for a lease that I had that the sellers broke by deciding to sell the place. But now they are coming after me for the rest of the lease that THEY broke. This debt should not be mine and I should not owe this, nor should it be on my credit.

Company response to consumer: Closed with explanation