vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-16 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
5 reported missed payments after receiving a waiver program during a pandemic. This has destroyed my good standing credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After reviewing my Credit report I found items that does not belong there. This will be my 3rd time writing the credit bureaus about these harmful accounts that are 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 2020-10-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
Ally Auto Finance has billed me for {$120.00} as an outstanding debt and reported it to the credit bureaus as default debt. This has driven down my credit report over 24 points and I am recovering from  bankruptcy after my wife had XXXX & we could not afford the medical bills. Ally Auto is really horrible about updating their records. For instance, I had a closed file on a leased car, my 6th leased car from Ally, and the account was closed in good standing. They had the account listed on my credit report as open and somehow written off under bankruptcy. That issue of false reporting was solved after no less than 4 letters to Ally and email communications -- which also drove down my credit report. And for the record. I am a very good customer of Ally, leasing 7 cars in the last 11 years with them and no payment has ever gone over 30 days late.

The current issue is that I got this call from Ally Asset Recovery and  the automated service says I owe {$120.00}. The initial voice mail was from XXXX at XXXX XXXX XXXX ext XXXX. I called her back last week on my 1/2 hour lunch break, got her directly, and she told me it was an outstanding tax bill for account XXXX XXXX XXXX a XXXX XXXX XXXX XXXX  XXXX. But. This minivan was traded in at XXXX XXXX in XX/XX/XXXX and the only way a van gets traded in -- is if all the PPT is paid-which it was. 

XXXX then tells me I have to talk to car leasing and transfers me to a CSR from XXXX -- I then have to verify all my info again, only to be told I have to call Ally Asset Recovery.

I then called back and got ahold of a supervisor and left a detailed vm  and I believe this person was XXXX and this person was also described as XXXX 's supervisor. He also has not called me back. 

This is fraud and Ally Auto Financing is driving my credit into the dirt with their actions and leaving me no recourse but to complain to the CFPB. I am begging for your help. I am supporting my whole family at this point on 1 paycheck. My wife is still recovering from XXXX and these people are literally ruining my chance at financial recovery -- for a bill that should not even be mine to begin with. 

Wa XXXX XXXX XXXX XXXX XXXX, 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 2020-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I applied for the Bayclays Gold Card MasterCard and was  approved in XXXX. With this card and terms at which I joined, Barclays offered to waive the {$990.00} fee under the XXXX, along with having the card be at 0 % APR while on XXXX XXXX service. Shortly after in XXXX, Barclays changed their SCRA benefits and would no longer waive the {$990.00} annual fee. At this time, I was XXXX overseas on a ship and communication to solve this problem was not easy. I had communication with an XXXX XXXX, Office of the President at Barclays to try and resolve the new terms while I was XXXX, but was unsuccessful. I then had to cancel my account so I would not be charged the annual fee. Since then, I have spoken to multiple service members who have been grandfathered into their original terms for the duration of their time on XXXX XXXX service. I would like to reopen my account with the terms originally stated, as this is only fair to have it be the same across the board for all members.

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 2020-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NV

Complaint narrative:
ATTENTION TO JEFFERSON CAPITAL SYSTEM. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$8300.00} does not belong to me. This account was fraudulently opened through this company JEFFERSON CAPITAL SYSTEM in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16 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: NY

Complaint narrative:
After reviewing my Credit report I found items that does not belong there. This will be my 3rd time writing the credit bureaus about these harmful accounts that are 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 2020-10-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am not sure what XXXX XXXX was doing but his response was useless. He did not respond to the continuing complaints I made but went for the shiny object.

I raised the question about the interest rates I was offered after learning about another Wells Fargo scandal where they offered  different interest rates to XXXX and XXXX borrowers compared to XXXX borrowers with similar financial backgrounds. 

What XXXX got incorrect is that I was supposed to start the refinance process with XXXX XXXX on XXXX XX/XX/XXXX. Prior to that, he verbally quoted me an interest rate of 3.5 % when we spoke on the phone. Instead of calling me to reschedule, XXXX sent me an email saying he could not make the XXXX XXXX  appointment and I did not see it until after I called him to start the refinance process. Great customer service! I responded to his email by telling him we could speak the next day, XXXX XX/XX/XXXX, at XXXX XXXX. 

When I called on XXXX XX/XX/XXXX, I spoke with XXXX XXXX and asked her if XXXX was available and she said she did not show that he was. I am not sure if that was true or if she was trying to swoop in on his deal. I told her that I would just go ahead and refinance with her and she later offered me an interest rate of 3.375 %. I did not think much of this difference until I heard about the XXXX lawsuit against Wells Fargo a few days ago. Did XXXX try charge me more for some reason and I " lucked out '' when I called and got XXXX? 

I can not provide the interest rate XXXX quoted because it was VERBAL. Wells Fargo already knows my current interest rate. Since Wells Fargo has mastered the art of deception and misdirection, my guts tells me they will find a way to totally avoid this concern.

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 2020-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
ATTENTION TO XXXX XXXX XXXX. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$8300.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2020-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: NJ

Complaint narrative:
XX/XX/2020 MRS BPO placed a collection account on my credit report in that amount of {$290.00} I called and ask the rep why was this account showing on my credit report. She asked my name and address and stated she couldn't find me in her system and told me to dispute the charge. I told her if she could not find my name and address in her system then how was this account placed on my credit report? To no avail could the rep answer my questions. I never received any mail or phone calls from this company yet an account for {$290.00} was placed on my credit report. I need help for I have no knowledge of this account or company. MRS BPO XXXX XXXX XXXX XXXX XXXX, NJ XXXX with a phone number of XXXX is on my credit report as an collection account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Midwest Loan Services, Inc.
State: CA

Complaint narrative:
I refinanced my mortgage with XXXX XXXX XXXX XXXX XXXX, the servicer is Midwest Loan Services and my first payment was due on XX/XX/2020. I walked into XXXX on XX/XX/XXXX to make a payment and inquire about setting auto withdrawal for future payments. The XXXX person that helped me took a payment and told me how to contact Midwest to set up auto withdrawals. I did not do anything else regarding my XXXX payment and figured I would worry about XXXX later in the month. 
Today I received a letter in the mail from XXXX showing that I had insufficient funds to cover my mortgage payment on XX/XX/XXXX. So, there was already an auto withdrawal set up on my account, but I was not aware or told when I made my payment on XX/XX/XXXX. I called XXXX and they waived any fees associated with this event. Next, I called Midwest to ask for a reimbursement of my double payment because I could not make two payments in XXXX, they advised there is a {$10.00} fee to mail a check or {$25.00} electronic transfer. My request was to waive the fee because I am a new customer, the mixup was at the branch and I had good intentions to pay. I requested a manager and the operator said let me check because it is Friday and late in the afternoon, so there may not be one available. She connected me to a manager without telling me  she was transferring me, then XXXX XXXX came on the phone ( she would not give me her last name after I asked for identifying information ) and I requested the fee to be waived in order to process the electronic reimbursement. Her response was no and she has no control over the fee waiver. Once I explained the situation, she said it was my fault that a double payment was made. Her solution was to let everything sit on the account and not make a payment for XXXX, unfortunately I need the payment or I would have been okay doing that. XXXX XXXX stated she is the highest manager and did not have someone above her, but she said I could call back on Monday, the customer service line, to speak to someone else. After  asking for her managers name twice, she said her managers name is XXXX XXXX and I can call the customer service number on Monday to speak to her. XXXX XXXX was very sarcastic as the call continued, as I was upset at this situation, her customer service skills were not acceptable at defusing or showing any type of empathy. 
My request is/was to waive the {$25.00} fee in good faith, knowing I want to be on time and make my payment monthly.

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 2020-10-17 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: CA

Complaint narrative:
Contacted XXXX during the onset of the Covid-19 pandemic given the uncertainty that appeared ahead to arrange payment arrangements in advance.

The rep I spoke with advised that information was still being made available from higher ups so they were not sure what to do at this time other than mark the account accordingly that my desire to be covered for any available program and there would likely not be a payment for that specific month.

Furthermore I was advised to enroll in XXXX XXXX  a paid insurance feature offered by XXXX. I enrolled in the program on XXXX XX/XX/2020 I was advised that I would not be eligible until XXXX XX/XX/2020 as there was a 30 day vesting period. 

Prior to the processing of this claim which not only posted during the 30 day period of XX/XX/2020 and is clear as day pictured during the time I was allegedly 30 days late for XX/XX/2020z In XX/XX/2020 XXXX advised that they made a payment. A payment was made in the amount of {$120.00} on XXXX XX/XX/2020 prior to this payment by XXXX the account online as well as the app was reflecting XXXX payments due. This was after the XXXX XX/XX/2020 due date Then as time stamped and attached since they keep changing the dates to fit their position at XXXX on XXXX XX/XX/2020 I received correspondence again stating and confirming account is 100 % current which I could clearly see. I called in to confirm status of covid assistance and the rep advise me to pay {$7.00} in XXXX which you can clearly see pictured as well and then on XXXX XXXX screenshot XX/XX/XXXX again during the 30 day period they confirmed the arrangement in writing also stating very first payment {$7.00} after {$7.00} or 3 % greater of the two Never missed a payment now or ever if not fixed I will be filing lawsuit for certain you have cost me thousands and I will be seeking damages for my time and suffering

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 2020-10-17 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: NY

Complaint narrative:
AFTER VIEWING MY CREDIT REPORT THERE ARE ACCOUNTS THAT DOES NOT BELONG. THIS IS MY THIRD TIME WRITING THE CREDIT BUREAUS ABOUT THESE HARMFUL ACCOUNTS.

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 2020-10-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
AFTER VIEWING MY CREDIT REPORT THERE ARE ACCOUNTS THAT DOES NOT BELONG. THIS IS MY THIRD TIME WRITING THE CREDIT BUREAUS ABOUT THESE HARMFUL ACCOUNTS.

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 2020-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TODAY IS MY 3RD TIME WRITING THE CREDIT BUREAUS ABOUT ITEMS THAT ARE REPORTING ON MY CREDIT THAT DOES NOT BELONG

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 2020-10-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently submitted a dispute with the 3 major credit reporting agencies about a debt on my credit report that I do not owe. The agencies sent me notification that they will not remove the {$2200.00} XXXX XXXX XXXX XXXX reported. I explained I paid {$410.00} to the collection agency and the check was returned to me as unacceptable.

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 2020-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
MRS Associates is texting me ( pictures of a text message ) about a debt that doesnt exist from XXXX  and it is now showing up on my credit report. This is a scam and fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: PA

Complaint narrative:
I leased a XXXX XXXX XXXX XXXX and the second day I receive the car the engine light was on and a warning that the gas cap is loose and there a noise every time I hit the gas I took the car to service 3 time no help the issue not resolved I contacted the customer service they seems they dont care much I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
TODAY IS MY 3RD TIME WRITING THE CREDIT BUREAUS ABOUT ITEMS THAT ARE REPORTING ON MY CREDIT THAT DOES NOT BELONG

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
TODAY IS MY 3RD TIME WRITING THE CREDIT BUREAUS ABOUT ITEMS THAT ARE REPORTING ON MY CREDIT THAT DOES NOT BELONG

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