vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 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: LA

Complaint narrative:
XX/XX/XXXX - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/XXXX. 

Today is XX/XX/XXXX and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters says I owe them {$310.00}. I do not have any affiliation with this company or any company that they claim they purchased my debt from. I have disputed this numerous times with all 3 reporting agencies and they keep saying it's accurate when it is in no way valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: Selene Holdings LLC
State: CA

Complaint narrative:
My name is XXXX and the mortgage company Selene Finance altar the loan modification that me and my parents signed back in XX/XX/2020. I signed as a borrower along with my father XXXX I'm power of attorney for my father he has memory loss. And I'm power of attorney of my mother XXXX, as of XX/XX/XXXX, of this year. And I'm also a borrower too. But I'm not listed as a borrower on the new loan modification. It has been reordered on XX/XX/2020, at XXXX XXXX., in XXXX XXXX county California. My father and I are joint owners of the deed and I sent a copy of the deed to Selene Finance along with a letter asking them to put my name on the modification loan and they didn't add me on the front page of the loan. They added my brother XXXX, and he isn't on the dead he is just a renter and he didn't sign the loan modification. They also left out an important page that I gave my bank XXXX account number and routing number so they can automatically withdraw monthly mortgage payments. And they even left out the power of attorney papers too. I didn't see any of the pages on this loan modification that is reordered back in XX/XX/2020. And I was told once the loan modification when recorded that all three credit scores would show that I own house and that I am making the Mortgage payments to Selene Finance. As of today, XXXX doesn't have me paying mortgage payments to Selene Finance. This has been a big hardship on me I have to call and make monthly payments over the phone and I had to wait sometimes over an hour to speak to an agent and a lot of times I would get cut off. And I can not refinance because my credit score is low because of Selene Finance not reporting my information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: MD

Complaint narrative:
Wells Fargo online profile to open fraudulent checking/savings account Fraudulent banking and communications with impersonating representatives Information distributed dark web : XXXX Denied deactivation of profile XX/XX/2021 Stated I would receive a card soon and accounts could be closed when documentation was received Directed to local bank to close account ; bankers could not verify account information Received unwarranted communication Wells Fargo was not applicable to me. 

Mail theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

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 2021-03-30 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Approximately in XXXX of XXXX I personally reached out to Capital One via their telephone customer service to explain mitigating circumstances surrounding a late payment they reported in XXXX of XXXX. I explained to the representative that the only reason why I was late for said payment was due to a combination of being in an already difficult financial situation ; as I had just separated from the United States Army after serving for 6 years, and being laid off from my newly acquired civilian job as a result of the Corona Virus pandemic. I was told the representative wasn't able to personally do anything about the situation, but was encouraged to write a letter and physically mail it to Capital One 's credit reporting department. Within the same month of XXXX I decided to do just that, and even more thoroughly explained the situation in said letter. Initially I had high hopes that Capital One would recognize the fact that even the federal government has acknowledged the tremendous negative economic impact the Corona Virus has had on our country, which has resulted in the government pouring trillions of dollars in various legislation in an attempt to bring to the country 's economic state around. However, what I later received was anything but understanding or the reasonable use of discretion by Capital One. They mailed me a letter that appeared to be one of likely thousand of templates used to handle customer complaints, that simply stated essentially that they were 'unable to do anything '. I genuinely believe that a reasonable person would agree that Capital One is acting unreasonably in regard to my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson capital system has been sending me collection notices in the amount of {$4200.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have contact with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL
State: NY

Complaint narrative:
XXXX XXXX is the company that has been harassing 's me thru a collection company OxigenXXXX collecting money that I don't owed them. They call my cell at all times which I have explained to them I don't owned anything to them. This harassment 's has cause me a nervous breakdown and XXXX My credit is excellent and this people want money out me which I don't owed to them. Please help me to report this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: OH

Complaint narrative:
Refinanced all credit cards and the loan from Lending Club. I have called them 7 times and I was told a XXXX  would get back to me. I have also sent numerous e-mails, with no resolution. Its is my understanding they have had the check over a week. It had the appropriate account number but did not reflect my name. The check came from XXXX for {$19000.00}. The exact amount left on my account. 

They asked for a copy of the cancelled check. They claim they could not post to my account, until this was received. I sent the Tiltotal letter along with the check number. XXXX advised me this should be more than enough to have the amount credited to my account. 

I am approaching my next payment date. I truly feel they are dragging this out. Just want the check applied to my account and to be done with this crazy situation. Each time I asked for a XXXX  possible 3-4 times I was told that none were available. 

No responding e-mails and -0- phone calls, returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XXXX XXXX I made a partial payment of {$1300.00} towards a vacation package to XXXX, Mexico for dates May XXXX XXXX XXXX via XXXX on my capitol one credit card. I made a second payment on XXXX {$1300.00} for a total sum of {$2600.00}. On XX/XX/2020 XXXX stop it services with no notification to their customers and they provided no refund. They deactivated their website and close all their call centers leaving no possible way to get in contact with them. The flights for the vacation package was book through XXXX via XXXX. XXXX refunded two flights ( Ticket Number/Amount/Form of Payment XXXX $ XXXX ) ( Ticket Number/Amount/Form of Payment XXXX $ XXXX Check # 2 ) on two separate dates in the form of a check. The first check was sent to XXXX on XX/XX/2020 and the second check was sent on XXXX XXXX but no money was returned to my credit card. After contacting XXXX I was informed that both checks were sent to XXXX and both checks were cashed. I then proceeded to contact Capital One of to dispute the charge due to the service not being render by XXXX. After provided them with all this information and documentation, Capitol One decided to decline my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/2021, the IRS sent my economic stimulus payment to an account that I closed at PNC bank. They never sent it back to the IRS but instead sent it to another account that is open that I dont use, knowing that it will never clear because it was not sent to that account from the beginning. Spoke with a lady XX/XX/2021 on the phone who couldnt tell me why it was still there trying to be deposited into an account it wasnt intended for. She tells me it hasnt posted yet ... I said its not going to post because its not the right account. Just a mess. Now, I have been sitting in my car at this PNC on XXXX XXXX. since XXXX waiting for someone to tell me why? Its XXXX and still no answer. Its XXXX and I am leaving with my money. No explanation as to why it was there in the first place. Lady was really nice though and thanked me for being patience with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Due to the hardship of covid 19. I decided to take on the covid relief program from XXXX XXXX XXXX. Not knowing that Wells Fargo was going to continue to report late fees and 30 days late on to my credit report.

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 2021-03-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am currently on a payment rehabilitation plan with both XXXX and XXXX XXXX XXXX.both are student loan companies. Although I have been paying on time and as agreed my credit report still shows late payments. This is impacting my credit score

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 2021-03-30 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 — Investigation took more than 30 days
Company: Dyck-O'Neal, Inc.
State: ID

Complaint narrative:
I submitted a request to dispute a collections account on my credit report on XX/XX/XXXX expected to be completed on XXXX account is a XXXX XXXX account XXXX I never received a update that my dispute was complete only that it was in progress. Over the course of the last 2 months I have logged in and checked said dispute and it was showing still under investigation. As of XX/XX/XXXX, past the 30 day even 45 day mark the dispute was not complete. I logged in today just to check due to the fact my credit report through Equifax is still showing a Derogatory mark for this account. The dispute is now showing complete and the letter attached is stating the dispute was states it was completed on XX/XX/XXXX, but the last time I logged in was XX/XX/XXXX and it was not completed. Also the company continues to call me while the dispute was open. They only stopped calling once I left them a voicemail stating there was and open dispute that was past 30 days. 
The dispute report is stating that the information was updated and that is it. 
Based on the Fair Credit Reporting Act the company has 30 days to review the dispute and if they do not get back within 30 days the agency is obligated to remove the disputed report. Not only did they take over 30 days to submit their findings ( almost 60 days based on my records ) they also send a dispute letter that clearly does not have the correct date on it. There is no way the dispute was completed on XX/XX/XXXX seeing as I logged in on XX/XX/XXXX and it was still in process. They are lying about when it was completed. 
This needs to be removed from my report based on FCRA. 
This account has been disputed and removed off of all other agencies except for this one. 
The company called me again today. Not from their normal number, when called back the rep stated it was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Statebridge Company
State: IL

Complaint narrative:
I'm in the process of refinancing my home loan and my current mortgage company refuses to send me or the new loan company the payoff amount for my current home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I do not have nor have I ever had an account with LVNV FUNDING LLC. 
I have repeatedly disputed this account. This account was removed and then reinserted into my report without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
After an accident my car was totaled. My insurance company offered {$12000.00} which I accepted. I still owed {$6000.00} .Hyundai finance would not release the title of the car unless they received the full settlement and told me that they would refund {$6600.00} to me after payment. They cashed the payment from the insurance company on XX/XX/2021 .after many phone calls ( they do not have a email address ) I am always told that a request for payment has been sent to the payment department. No payment has been made as of 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 2021-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
I never received a direct bill from XXXX XXXX XXXX in XXXX. They sent my account directly to a collection agency, One Advantage. I made the following payments, but continue to receive notices for payment from One Advantage : XX/XX/20 paid {$300.00} ( acct. # XXXX XXXX XX/XX/20 paid {$480.00} ( {$300.00} to acct. # XXXX and {$180.00} to acct. # XXXX XXXX Account numbers : XXXX and XXXX ( creditor # XXXX ) XXXX XXXX creditor # XXXX ) One Advantage, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX and the mortgage company XXXX XXXX altar the loan modification that me and my parents signed back in XX/XX/2020. I signed as a borrower along with my father XXXX I'm power of attorney for my father he has XXXX XXXX. And I'm power of attorney of my mother XXXX, as of XX/XX/XXXX, of this year. And I'm also a borrower too. But I'm not listed as a borrower on the new loan modification. It has been reordered on XX/XX/2020, at XXXX XXXX, in XXXX , county California. My father and I are joint owners of the deed and I sent a copy of the deed to XXXX XXXX along with a letter asking them to put my name on the modification loan and they didn't add me on the front page of the loan. They added my brother XXXX, and he isn't on the dead he is just a renter and he didn't sign the loan modification. They also left out an important page that I gave my bank XXXX account number and routing number so they can automatically withdraw monthly mortgage payments. And they even left out the power of attorney papers too. I didn't see any of the pages on this loan modification that is reordered back in XX/XX/2020. And I was told once the loan modification when recorded that all three credit scores would show that I own house and that I am making the Mortgage payments to XXXX XXXX. As of today, Experian doesn't have me paying mortgage payments to XXXX XXXX. This has been a big hardship on me I have to call and make monthly payments over the phone and I had to wait sometimes over an hour to speak to an agent and a lot of times I would get cut off. And I can not refinance because my credit score is low because of XXXX XXXX not reporting my information to 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 2021-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
On XX/XX/2021, THE CBE GROUP INC-FORMER add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA THE CBE GROUP INC-FORMER has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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 — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
In XXXX of 2020, my auto loan payment was reported 30 days past due. I have reached out to Bridgecrest in regards to resolving this matter being that I was inadvertently affected by the COVID-19 pandemic before we all knew what it all entailed. My payments have never been late before or after this month and they refuse to make this exception or notate my account, or offer any form of relief in this matter. I filed a dispute with XXXX on XX/XX/2020.

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 2021-03-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Conduent Incorporated
State: VA

Complaint narrative:
The Virginia Commonwealth Unemployed Insurance benefits program uses the WAY2GO card service issued by XXXX XXXX  - run by XXXX XXXX. 

WAY2GO sent me an email informing me an attempted information change on my UI benefits card. The last digit of my phone number was changed by one digit ; my address was changed to XXXX XXXX XXXX XXXX, XXXX South Carolina, and my email was changed to XXXX. 

There was no way to close the account, verify my identity ( without submitting more identifying information ), or cancel the service provided by Way2go.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I can only go back on my statement to XX/XX/XXXX through date. I spoke to a representative of XXXX  XXXX on XX/XX/XXXX and the manager was only able to credit me 6 months back. I never signed up for this and it was discovered by my wife as she has taken over paying the bills. This is complete fraud, I never signed up for such a service. They tell me I have been paying this since XX/XX/XXXX. I want a full refund or I am going to continue to pursue this matter. I can not believe these people can get away with this. I am trying to resolve this matter before I retain an attorney.

Company response to consumer: Closed with explanation