vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I have repeatedly tried to pay on my debt, but every time I tried to pay info was misplaced or payment was not set up properly. I also had insurance so the amount that they have for collection is not the amount that I should be charged for. I contacted the credit card people I was disconnected like they were trying to mess up my credit. Please check with the company or companies involved, you will see that I usually paid promptly or whatever I made agreements/or arrangements too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
On XX/XX/20 Tower loan contacted me about a debt. I told them I knew nothing about a debt with tower loan. Than he threaten to report it to a credit agency. The next day I get an a alert in my email that some has inquired on my credit. Tower Loan inquired on my credit with my consent.

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 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This complaint is about my Chase Freedom credit card. I had this credit card for a 2-3 years, and my highest limit was {$12000.00}. I was paying it monthly and going about my business as normal. This year I have not worked due to COVID. I have not been able to find work even after applying - either I was too over qualified as I was given an excuse of or just havent been contacted. I would take anything right now. Anyway, I havent been able to pay this credit card as I am choosing to pay my rent before the card. Chase knows I can not pay, and they continue to charge late fees and interest fees. They keep sending emails that it will be written off. Fine. But it hasnt ... so it continues to charge me fees that I can not pay. This is ridiculous. I would have paid it back when the charges were smaller if they allowed me to set arrangements, but they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo was unable to appraise the property I am purchasing in time to meet my closing & was unresponsive and ineffective in resolving the issue. I went under contract to buy a property XX/XX/XXXX. I chose Wells Fargo because they said they could meet my closing date of XX/XX/XXXX & would schedule an appraise that day to expedite the process. The appraisal was never scheduled. Wells ordered appraisals through a 3rd party and refused to follow up and resolve the issue when the appraisal companies canceled and failed to meet their obligations ( they would simply tell me the status listed in the system rather than actually checking with the company ). Finally it was too late to move to another bank and still make the closing date, which will likely result in losing my deal and therefore the thousands of dollars I have invested in inspections, title search, attorney fees, etc., not to mention losing a unique property that I will not be able to find a substitution for. Throughout the process, I have made many phone calls that were unanswered ( and voicemails not returned ) and hit frustration after frustration as Wells ' only response has been " it's out of our hands. '' This also impacts my credit report as a credit inquiry I should not have made.

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 2020-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing because I do not recognize the account on my credit report.I believe that I may be a victim of identity theft. I do not recognize theis account and have never incurred debt with these creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: WI

Complaint narrative:
Convergent Outsourcing Inc is reporting that I owe XXXX XXXX  a balance of XXXX and I do not owe XXXX  XXXX  anything. They were in my bankruptcy but also charged my bank account XXXX for unreturned equipment, This debt has been paid.

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 2020-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2020 I called Navy Federal Credit Union and spoke with a supervisor about late payments reporting on my credit report. During the global pandemic I was granted a forebearance on a vehicle loan while down to one household income. According to the Cares Act there shouldn't be any negative reporting as this account was in good standing prior to Covid 19 pandemic. The supervisor told me that " this is just business '' and " Navy Federal is allowed to report as they see fit. '' I explained this loan was in a modification process however nothing was corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I pulled my credit report and realized that I had an unauthrozed inquiry on my credit report, I sent a letter out to capital one, XXXX  AND XXXX XX/XX/XXXX to verify that inquiry and I have NOT received a response from the company. I then reached out to them ( CAPITAL ONE via phone XX/XX/XXXX and spoke with a representative and explained to him my issue and he informed me that this is a known issue that they have been having. If I provided documentation about the inquiry dated XX/XX/XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXXXXXX HOW IS THIS POSSIBLE IN THE SAME MONTH? FRAUD INQUIRES and then I reach out and was told they have been having this issue. why have they not remove the inquiry. if documentation was sent. I need this removed and the fact that it has been an issue with many customers it's scary! how is my information getting compromised. I need answers and I need the inquiry removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have no idea why i have a late pay on my report because i always have paid my bill on time very diligently but i have one isolated late pay that i can't seem to get taken off and i know the date they are telling me but i have a payment that was taken out before the 30 days were up at the same time that i paid the other payments so there is no way that it should be reporting as late this one time. I've tried disputing it with the credit bureaus but not had success in removing it. Please help me to resolve this matter. i am a good client of theres.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i ave many inquiries n my reports all 3 that i do not recognize and want them removed, but the Bureaus refuse to remove them

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 2020-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have repeatedly tried to pay on my debt, but every time I tried to pay info was misplaced or payment was not set up properly. I also had insurance so the amount that they have for collection is not the amount that I should be charged for. I contacted the credit card people I was disconnected like they were trying to mess up my credit. Please check with the company or companies involved, you will see that I usually paid promptly or whatever I made agreements/or arrangements too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: FL

Complaint narrative:
Due to medical bills that I had in collections ( since removed ) I applied with XXXX XXXX, XXXX. and XXXX XXXX XXXX, XXXX. for secured card. They both made inquiries into my credit report. This was for cards backed by a deposit - not my credit-worthiness. They needed to place this more conspicuously as there is an implied contract of the card not being based upon credit worthiness. Also, where one normally can dispute this with the credit bureaus, here it is modified so that I am required toys every the banks remove the inquiry. This creates a greater burden of proof upon the consumer and allows for more abuse in the part of the bank - they are in control - they do what they want. It should be removed, but more so, these agencies provide facto public services. If more of their policies reflected these actions, legislation would follow as they should service as a mediator and an over site board in these sorts of disputes. It is unconscionable to think that they should be able to do this. Laws should be enacted to protect the consumer and allow them to dispute information with the bureau to which it has been reported.

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 2020-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Auto loan was purchased from Santander Car was in accident deemed total load, insurance paid car off, account showing as charge off, Santander currently in litigation also when I dispute came back as no record of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: IL

Complaint narrative:
I did a FHA Streamline refinance with Home Bridge Financial services in XX/XX/XXXX that lower my interest rate from 5.5 % to 3.3 % mortgage payment went from {$1600.00} to {$1200.00} it appear to be a good deal until I got an escrow shortage in XX/XX/XXXX total of {$4600.00} with mockery when I turn down to to a repeat FHA loan to got down to 2.9 % but they wanted me to pay the escrow shortage upfront, and I still would have a higher mortgage payment of XXXX up to XXXX and when I turn down at the suppose closing, I seen have been targeted by this loan service company, I also has to do a tax correction with that lower the payment of XXXX to XXXX without the opportunity to paid the difference of XXXX tax increase and correction of XXXX which would come out to XXXX that would have lower my monthly payment instead that want to pay the total shortage of XXXX, causing a hardship because they feel I can't pay the shortage in full I am accusing this company of loan Stacking, I did receive XXXX back from the original refinance from XXXX XXXX but wasn't inform that there would be a escrow storage on this FHA Streamline or else I would have hold the money I believe it was not told to me on purpose to cause a hardship that can lead to possible foreclosure

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I have called before about someone trying to scam me be sending me money to my bank account. The amount was {$2400.00}, I didnt know they were scamming me they claimed to be a sugar dad I knew of the scam after I put the check in my account. Called the FTC, the person I talked to stated the money that went into my account would be mine. They opened a report to find out what happened, but later today I get a charge for my bank saying they took the money back out so now I have - {$2400.00} in my savings. I was just confused because I was told by the ftc and my bank that the money would be 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 2020-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage Servicer d/b/a NewRez has been misappropriating my monthly mortgage payments beginning in approximately XX/XX/2020. According to my loan amortization schedule my monthly mortgage payment is {$860.00}, of that payment {$200.00} is supposed to go Into the escrow account. My mortgage servicer has been holding onto payments in a not applied status then charging me a late fee. They have been applying principal only payments without authorization which has caused my mortgage account to be disproportionately skewed. They have also reported late payments to credit agencies. I began noticing an issue around XX/XX/2020 when I began calling asking questions without any resolution. In XX/XX/2020 I called shellpoint and submitted in writing to the portal and via certified mail a 7 page letter with multiple documents that identified shellpoints errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i ave many inquiries n my reports all 3 that i do not recognize and want them removed, but the Bureaus refuse to remove them

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 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i ave many inquiries n my reports all 3 that i do not recognize and want them removed, but the Bureaus refuse to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
XXXX XXXX, Regulatory Case Number : XXXX you sent 138 pages 128 that i already rec 'd can you identify which pages do you consider the response for which questions you see you combine several Notice of Errors and QWR in one response im glad you admit, " we understand that it may be difficult to reconcile these documents '' then why dont you make it easier for the mortgages you SERVICE?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this dispute because Equifax is not displaying my correct information. I have called numerous times about this issue. My credit file that lenders pull as well as what I am able to see on the internet is incorrect. There are only 2 accounts on my credit file that I can see on My Equifax, XXXX XXXX, XXXX XXXX XXXX, and other sites. Lenders also see this same information. When I call Equifax they tell me that they see 28 accounts. This does not help me and I need them to fix this issue. 

The reps dont understand me properly and I do not get emails back from support. I have sent my information to them multiple times via USPS as recently as 2 weeks ago. This is not a website issue. I dont know if my profile is split or some other problem.

Company response to consumer: Closed with explanation