vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Re : CFPB Nos. XXXX and XXXX XXXX XXXX Account Nos. ending XXXX and XXXX For account number ending in XXXX, the account was paid on XX/XX/XXXX and then again on XX/XX/XXXX, this is supported by my bank. XXXX shows no evidence of their claim of receiving it on XX/XX/XXXX and XX/XX/2017. No late fees were assessed and paid! XXXX XXXX response is an elaborate conjecture to include dates of notices sent to my official residence. I would expect notices of such importance to be sent via certified mail and therefore require a signature when received. To date, I have only received XXXX letter to my home from XXXX. I hereby request all evidence of XXXX XXXX claims of dates of payments on this account. If XXXX is unable to do so, they must adjusted my account to show no late payments, and reported accordingly to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: GA

Complaint narrative:
Re : CFPB Nos. XXXX and XXXX XXXX XXXX Account Nos. ending XXXX and XXXX For account number ending in XXXX, the account was paid on XX/XX/XXXX and then again on XX/XX/XXXX, this is supported by my bank. XXXX shows no evidence of their claim of receiving it on XX/XX/XXXX and XX/XX/2017. No late fees were assessed and paid! XXXX XXXX response is an elaborate conjecture to include dates of notices sent to my official residence. I would expect notices of such importance to be sent via certified mail and therefore require a signature when received. To date, I have only received one letter to my home from XXXX. I hereby request all evidence of XXXX XXXX claims of dates of payments on this account. If XXXX is unable to do so, they must adjusted my account to show no late payments, and reported accordingly 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 non-monetary relief
Consumer complaint received 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: NH

Complaint narrative:
I had a conventional home mortgage loan with Ameris Bank. On XX/XX/XXXX I refinanced my mortgage loan with XXXX XXXX XXXX XXXX XXXX XXXX At closing, XXXX XXXX paid my property taxes for the year XXXX. Therefore, the money Ameris Bank held in escrow for my property taxes needed to be refunded. 

XXXX sent me a letter on XX/XX/XXXX stating that they owed me an escrow refund of {$2800.00}. 

I called Ameris Bank on XX/XX/XXXX to inquire about my escrow refund check. I was told that on XX/XX/XXXX a refund check had been issued and maybe got lost in the mail since I moved. I was asked to wait a few more days since a check could not be canceled until 30 days after it was issued. 

I called Ameris Bank on XX/XX/XXXX because my refund check had not arrived and I had allowed ample time for the mail to be rerouted to my new address. I was getting all my other rerouted mail at my new address, including checks and bills. I was told on XX/XX/XXXX that the check must have gotten lost so the associate canceled my check and I was told another would be issued to my new address. This check still has not arrived. 

On XX/XX/XXXX I called Ameris Bank again since the check that was supposedly issued on XX/XX/XXXX never arrived. I explained the situation and said I wanted a more effective resolution. I was transferred to a manager who said she escalated the situation and that I should receive a call. I was never called back. Later that day, I called again. There was no record of my call earlier that day. During my second call, the associate put me on hold and canceled the check from XX/XX/XXXX and came back on the line to say she issued a third check. Because the associate did this, I am unable to escalate the issue for another 30 days. 

I never received any of the refund checks, even though I am able to receive mail and I have received my refunded mortgage insurance so I do not believe there is an issue on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted equifax credit reporting agency to remove XXXX XXXX  from my credit report. They sill have not removed it. I contacted XXXX XXXX and the stated they have informed the credit agency to delete it on three different occasions. However it still on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I am writing in regards to my account with Lincoln AFS Account # XXXX I had completed this lease in XX/XX/XXXX paid it off with no issues. Yet on my credit report it is reporting a late in XX/XX/XXXX. This is not possible since the account has been closed and paid. I have reached out to Lincoln in regards to this matter they assured me that it was an error on the part of Lincoln and they will correct it ASAP. Two months later and it is still on ( see attached ). I also have a recorded conversation with a customer service member at Lincoln if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV FUNDING LLC XXXX {$880.00} PAST DUE ON A COLLECTION FCRA VIOLATION I HAVE DISPUTED THIS COLLECTION A NUMBER OF TIMES AND STILL COMES BACK VERIFIED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I called Chrysler Capital XX/XX/XXXX to ask for assistance with hardship for my lease agreement. I am self employed and have been affected by covid once again since businesses are closed. After waiting on hold for 25 minutes and talking to their " assistance center '' I was hung up on by the gentleman who seemed to have an attitude. I spoke with a rep who first said they would push back the payments for 2 months and transferred me to the " assistance center '', the rep at the assistance center had attitude and hung up the phone. I went through this same EXACT issue back in XXXX when I was impacted by Covid. Back in XXXX, I called twice, first they told me they had no options available after my husband had just spoken with them and received a 2 month deferment for hardship, then the rep had attitude and then I was again hung up on. 

I've been a customer in good standing since 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: CBC Companies, Inc.
State: NM

Complaint narrative:
XXXX XXXX is reporting multiple account numbers as follows INNOVIS # XXXX, XXXX # XXXX ..., XXXX must delete this account do to erroneous, incomplete and unverified account number information. Attach to this dispute I am providing a letter from the actual furnisher of information with a different account number also an attach credit report from innovis also with a different account number both to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: AZ

Complaint narrative:
I had forced placed insurance that has been cancelled as of XX/XX/20. I have been trying to have my regular insurance escrowed. Per representative XXXX ( assigned contact ) I should be calling the lender XXXX XXXX. Per XXXX I should be calling FCI lending. Per XXXX ( very rude person ) they do not know how to handle this and all should be handled by XXXX. Unable to reach additional members at FCI do to my call defaulting to XXXX as he is my assigned person. I have a payment on XX/XX/20 for forced place insurance and no one has been able to advise where this payment is. I am also making monthly payments to insurance and don't know how this is applied. I also tried going online to see my payment history, I had to change my password and an email had to be sent with a link. It has been 5 days and still no link. I call and XXXX  just said to wait for the link, did not even attempted to help. This is by far the worst servicing company. All I need is my insurance to be escrowed.

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 2020-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In XX/XX/2020 I refinanced my auto loan that was with Capital One. Capital One began posting payments on XX/XX/2020 with numerous payments and reversals. The following is a list of all transactions made on the loan. According to the transaction made I should have received {$1200.00} from overpayment ( s ). I received a check for {$190.00}. I emailed Capital One asking for someone to review the loan. I received an email back saying to call. I did call repeatedly over the next four weeks each time it was an automated system asking me to hold and then disconnecting with no one answering the phone. In late XXXX I received a check for {$510.00}. I again tried to call Capital One and did not reach a human being. When you subtract all the payments made there was an overage of {$1200.00}. Subtracting the two checks I received ( {$510.00} + {$190.00} ) there is still an overage of {$490.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One keeps changing the statement date from the XXXX  of the month till now the XXXX  of the month, but not giving the allowed grace period to pay the balance, always the pay date is on the XXXX  of each month, every month is shortening the grace period agreed when account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX- add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports.

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 2020-12-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX- add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports.

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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In XXXX of this year I was attempting to buy a XXXX XXXX. I had asked the dealership to not run my credit because I already had a bank that I wanted to use for the loan. However, even though I did not authorize it, the dealership ran my credit anyway. 
I found out later when I received some letters in the mail telling me I was not approved for the loan. I was extremely confused because I knew I had not authorized these inquiries but also because the notices told me that I had a very high credit score. In fact I had an XXXX  credit score. Needless to say, I should not have been denied this auto loan but I didn't have the time to go back and forth with the dealership about it at that time. A few months later I decided to look into this issue and requested my credit reports and found some incorrect information on them. So I sent in a request to have this information removed but I have not received a response yet. I'm not sure what else to do since I think I have done everything I am supposed to do and yet I have not received any information about the status of my requests. When I tracked my information it shows that XXXX received my request on XXXX, Experian XXXX, and XXXX received my request on XXXX. I have not received my credit reports from XXXX  or XXXX XXXX XXXX ( even though I have requested my consumer file at least 3 times since 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 non-monetary relief
Consumer complaint received 2020-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Around XX/XX/XXXX, I called Navy Federal about funds being available to cover my mortgage in another account. I was told to transfer funds from one account to the other once my military pay was available on the XXXX of XXXX and it would cover the mortgage. I did as customer service advised and transferred. Days later I received an email message to call the security center from Navy Federal. Later I learned I was a victim of phishing. Navy Federal has not helped me at all my accounts were frozen and forms that needed to be submitted it seemed they were unwilling to give them. The credit Union is not truthful to its customers because they told me they paid the mortgage on three occasions and my mortgage and other bills remain unpaid. Lastly, after talking to Navy Federal again today I dont believe they are doing any type of investigation because I was blamed today and XXXX was taken out of my account not even sure when it was taken I asked the customer service and was told I owed the bank over XXXX and the bank was not paying the mortgage. These issues have been going on for weeks. My stimulus check is supposed to go to my account I am a bit concerned about that. It is really sad that Navy Federal treat people in such a manner. Lastly, when I said I was filing a complaint the customer service representative said I could care less.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
Please see attached letter and statements for greater detail. In Summary : FedLoan Servicing failed to give me PSLF credit for qualifying payments made XXXX through XX/XX/2019, claiming I underpaid the XX/XX/2019 payment. 

However, the XX/XX/2019, statement showed the Current Payment Due as {$0.00}, the Total Due by XX/XX/2019 as {$0.00}, stating You previously made payments in excess of the amount that was due. Therefore, you currently do not have a payment due this month ( meaning XX/XX/2019 ). Your next payment is due on XX/XX/2019 for {$1100.00} { explanation added }. 

On XX/XX/2019, I made a payment in the amount of {$1100.00}, the amount which the XX/XX/2019, statement showed as being due. This payment was made within the fifteen ( 15 ) day window of the due date ( XX/XX/XXXX ) allowed for payments to qualify under the PSLF program. Therefore, this payment qualified as a qualifying payment under PSLF criteria. 

As further evidence that I did not underpay the XX/XX/2019 payment, none of the statements generated after that showed any past due amount. In fact, the XX/XX/2019, statement, which reflects the {$1100.00} payment made on that date, states : You previously made payments in excess of the amount that was due. Therefore, you currently have a reduced payment due this month. However, even though you currently do not have a payment due, we will still automatically extract your regular scheduled monthly payment and any additional amount you have requested. 

So, not only did fully pay the amount due in XX/XX/2019, I continued to OVERPAY this account. 

In addition to failing to give me credit for the XX/XX/2019 payment, FedLoan thereafter failed to give me credit for payments made in XXXX, XXXX, XXXX and XX/XX/2019, claiming that I had underpaid the XXXX payment which was incorrect. 

This is an ongoing problem with this loan servicer they continually attempt to deny credit for qualifying payments under PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: TN

Complaint narrative:
I previously contacted Experian regarding this issue in Complaint XXXX. I am filing this complaint because third party companies accessed my Experian credit report without my knowledge, authorization or approval. I contacted the companies that posted inquiries on my credit report and was told to contact Experian. Experian has so far refused to open a dispute regarding these inquiries. These inquiries have an adverse effect on my credit report and are disputable under the FCRA. Since I did not authorize these inquiries I am requesting an investigation into them. The inquiries found on my credit report that I did not authorize are : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. Experian should be bound by law to investigate my dispute. These disputes are a result of fraud.

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 2020-12-29 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: DC

Complaint narrative:
XXXX XXXX XXXX  was reporting account status for years based on fraud and payment activity on my back account from years ago. Further, there were issues with getting proper information. XXXX has been paid 100 % even though the data was inaccurate The DC XXXX  Court dismissed collection activity and claims of the Treasury Department XXXX XXXX XXXX in XX/XX/2019. This data was sent to XXXX, XXXX, and Experian but the charge offs and account matters are being reported despite the court dismissal.

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