vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ

Complaint narrative:
I applied for a mortgage on XXXX-19 from Cardinal Financial Company , Limited Partnership DBA XXXX XXXX. At the time of the application I told them I did not want to bring any cash to the closing. 

The Loan Estimate included a Lender 's Title Policy of {$360.00} but it did not include any UCC-1 Filing Fee. 

On Wednesday XXXX-19, unknown time, and Friday XXXX-19, at XXXX XXXX, I received Closing Disclosures that reflected the {$360.00} Lender 's Title Policy and no UCC-1 Filing Fee. 

On Friday XXXX-19, at XXXX XXXX, I received my 1st copy of the full closing documents but this version now includes a UCC-1 Filing Fee of {$220.00}. This {$220.00} fee was never disclosed to me in the entire 60 day loan process prior to the final closing documents. 

On Friday XXXX-19, at XXXX XXXX, I received a 4th update to the closing package that now reflected a {$540.00} Lender 's Title Policy. This {$180.00} increase was never disclosed to me in the entire 60 day loan process prior to the 4th update to the final closing documents. 

They had already scheduled the closing for XXXX XXXX on Monday XX/XX/2019. On Monday XX/XX/2019, I brought up these additional charged via e-mail and voicemail but I did not receive a response ; I called and left voicemails for 3 employees, XXXX XXXX, XXXX XXXX, and XXXX XXXX. On Tuesday XX/XX/2019, I sent another e-mail trying to figure out why the fees went up a total of {$400.00} from the previous closing disclosure and why they didn't wait 3 days, under TRID 3 day Closing Disclosure rules, before the signing. I was told by XXXX XXXX via e-mail that they aren't required to issue a new 3 days and that they won't be doing anything about the surprise closing costs. 

Additionally, they do not have an updated mortgage payoff amount yet proceeded to close the loan and said they would just go back and adjust the numbers after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have twice disputed this account that appears in my credit which I am not the owner or responsible for the mentioned account. I need this to be removed as it is affecting my credit for me to continue uploading it. 

Account Name CAPITAL ONE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$3500.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX   Monthly Payment {$140.00} Credit Limit {$3200.00} Highest Balance {$3500.00} Terms NA Payment History show tooltip button Tap a month for more information Show legend XX/XX/2019 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 30 XX/XX/XXXX OK XX/XX/XXXX Historical Info First ReportedXX/XX/2019 Contact Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Comment show tooltip button Account previously in dispute - investigation complete, reported by data furnisher Your Statement show tooltip button Y ITEM DISPUTED BY CONSUMER Reinvestigation Information This item was updated from our processing of your dispute in XX/XX/XXXX. 

Balance History show tooltip button XX/XX/XXXX {$3400.00} Balance {$130.00} Scheduled Payment {$0.00} Paid on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
Credit Acceptance Corporation has reported multiple insurance purposely to different credit agencies. The car was bought with a former spouse. The former spouse disappeared and I filed for dissolution of marriage. Since I left with nothing but the clothes on my back and left my former spouse everything including money, apartment, and vehicle, in the decree, the Superior Court Judge awarded her all property. I solely kept the vehicle I purchased when I left.

As a note, it took months to process the dissolution of marriage as event the sheriff 's office could not find her to serve the documents. My lawyer and the judge made very clear that I would be losing all rights to the vehicle and the possessions I left with her.

When I called Credit Acceptance Corporation, I was cursed at, told that Credit Acceptance will does not have to abide by what a judge says in another state and demanded payment or adverse credit reporting will continue. I contacted another legal team to deal with Credit Acceptance Corporation.

Just a look at consumer reviews are enough to send chills down your spine.

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 2019-12-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: CO

Complaint narrative:
I received a letter in the mail, addressed to " XXXX XXXX '' but our address. From Syergetic Communication , Inc. XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX. It said we owe XXXX XXXX {$950.00} but that we could " settle '' by XX/XX/20 for {$280.00}. We do not owe that to XXXX, we never have and never carry a balance on anything. Called XXXX to make sure we were good and they said we were fine and they did a search under mine and my husband 's socials and there weren't any other current accounts for us. Checked credit report- everything was fine. And even checked our credit union account and that was fine as well. The address we are supposed to mail the payment to is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ID XXXX. I looked up this company and the XXXX shows them doing this to many other people as well. It's a money scam and fraudulent. Won't contact them as I don't want to give them any of our info and I saw from the XXXX that contacting them is pointless. We don't have any debt at all and sending a threatening letter to us is wrong. The supposed account number on the letter is something I have never seen before and haven't heard of. I added it on the next page but I know nothing about it. Doubt they do either as our names are nowhere on here- they just ate getting to scam us into paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: FL

Complaint narrative:
Experian is the only credit bureau reporting a charge off on my credit report with XXXX XXXX XXXX. Attached is proof of this account being deleted and updated with the other credit bureaus!! Please follow suit and delete this account as well. I formally request that the following inaccurate items be immediately removed from my credit report. They must be removed in order to show my true credit history, as this item should not be on my credit report. HERE IS A COPY OF BUREAU 'S NAME FINDINGS AND PROOF OF THEIR REMOVAL OF THESE ITEMS. PURSUANT TO THE FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send me my updated report as soon as your investigation is complete.

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 2019-12-11 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: Risecredit, LLC
State: FL

Complaint narrative:
I paid off the loan in full XX/XX/2019. The company refuses to update my credit report. I have asked several times by email and they either dont respond or tell me it can take 45 days or longer. When I disputed the balance due and last payment made in my credit report with the 3credit reporting agencies I was told that Rise Credit insisted I had a large balance and that my last payment was in XXXX rather than indicate the loan had been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
On my credit report, it showed that I missed a payment of {$230.00} in XX/XX/2019 I believe. I later paid the bill when I logged into my Nissan online account and saw that it hadn't been paid yet for that month. Nissan always sent me a monthly bill in the mail reminding me of my monthly bill approaching. But I did not receive a bill in the mail the month of XX/XX/2019. I only later found out when I logged into my online account to check my lease maturity amount later that month. I never missed a payment for this vehicle lease for the entire contract period, and also paid off my lease in full after that. This was the only time I missed a payment, and it was because I never received a bill in the mail like I did every other month reminding me of my upcoming monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
am an XXXX  worker who holds an account with Chase. This was communicated to Chase at the time the account was opened. Last week I arrived in XXXX for work and contacted Chase to arrange for a wire transfer. My location was clearly communicated multiple times and several agents advised that this was no issue. 

When I initiated the wire transfer, it was flagged and I again called Chase this morning. They advised that not only the transfer was froze, but my account as well. No agent is able to access my information. They advised that I can only unfreeze my account by personally visiting a branch. This is not a regional bank from 1950. This is a massive global entity that operates in nearly all countries. Yet they deliberately misadvise customers about their product and it's availability for members of the global workforce. They falsely advertise the ease of use internationally and allow customers to deposit their salary, then seize that money leaving customers stranded. 

To be clear, if I can not pay my rent or buy airfare in a country like this, I will become highly vulnerable to dangerous and corrupt police. Each and every Chase representative is personally responsible for that. This will become a PR nightmare and legal case for Chase unless they find a solution for myself and all the other international workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I use TD Bank as my bank. About 3 weeks I noticed that there were 2 checks that I sent in the mail were clearly altered. I called up TD Bank and froze that account. I went into my local TD Bank branch and filed an affidavit of fraud. It took them nearly 3 weeks and only because of my complaining on social media that they responded. A representative from TD bank reached out trying to get a provisional credit. However, the local branch rejected this provisional credit without explanation. It is getting extremely frustrating and difficult to deal with TD Bank. My local branch is completely unresponsive. Meanwhile, a huge sum of money is missing from my bank and I have to pay bills. TD Bank was extremely negligent in allowing these checks to go through when they were clearly altered and they should take responsibility for their actions. They should have contacted me to ensure that these checks were legitimate before taking out such a huge sum of money from my bank account. Therefore, I would like my money back as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I paid off the loan in full XX/XX/2019. The company refuses to update my credit report. I have asked several times by email and they either dont respond or tell me it can take 45 days or longer. When I disputed the balance due and last payment made in my credit report with the 3credit reporting agencies I was told that XXXX   XXXX  insisted I had a large balance and that my last payment was in XXXX rather than indicate the loan had been paid in full.

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 2019-12-11 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: FL

Complaint narrative:
Equifax has been notified by XXXX XXXX  XXXX fraud department and myself several times starting XX/XX/2019 stating to remove four accounts and all inquiries associated with the accounts from my credit report as they were found to be opened without my permission fraudulently. A police report was filed. XXXX  and XXXX  oblige and removed all accounts and inquiries from report. Equifax is refusing to remove XXXX  XXXX, XXXX  XXXX  and XXXX. They did remove XXXX XXXX. XXXX has reissued they request to remove the accounts multiple times and I have verbally called in and submitted disputes online over 20 times and Equifax states they are accurate. XXXX  is unsure at this point on what to do and I am not getting a correcting response either. I am hopeful you will make them do what we have been telling them needs to be done asap. This has been going on since XXXX and needs to be finished with all traces removed. Equifax needs to be replaced with a better agency who does not release people 's information and will properly investigate and listen to the fraud departments of creditors when they say something is incorrect and needs to be removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was in the process of selling my car and transferring an estimated {$14000.00} via a wire transfer to a chase account number from XXXX  XXXX XXXX, an account that I have had for 10 years. However, I did not realize that my debit card had not been activated and I was locked out of my account, which I corrected quickly. However, I scheduled an external account transfer of the {$14000.00} to my chase account to send the wire transfer as the dealership was insistent on the payment. XXXX XXXX XXXX finally allowed me to send the money, but I forgot to cancel the transfer within my Chase account and I had a negative balance. Immediately, I scheduled a transfer of XXXX to my chase to correct the problem but it was too late and I have found myself with a closed account. I am traveling and called immediately to promise a payment of this weekend - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: VA

Complaint narrative:
On my credit report, it showed that I missed a payment of {$230.00} in XX/XX/2019 I believe. I later paid the bill when I logged into my XXXX online account and saw that it hadn't been paid yet for that month. XXXX always sent me a monthly bill in the mail reminding me of my monthly bill approaching. But I did not receive a bill in the mail the month of XX/XX/2019. I only later found out when I logged into my online account to check my lease maturity amount later that month. I never missed a payment for this vehicle lease for the entire contract period, and also paid off my lease in full after that. This was the only time I missed a payment, and it was because I never received a bill in the mail like I did every other month reminding me of my upcoming monthly payment.

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 2019-12-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On my credit report, it showed that I missed a payment of {$230.00} in XX/XX/2019 I believe. I later paid the bill when I logged into my XXXX online account and saw that it hadn't been paid yet for that month. XXXX always sent me a monthly bill in the mail reminding me of my monthly bill approaching. But I did not receive a bill in the mail the month of XX/XX/2019. I only later found out when I logged into my online account to check my lease maturity amount later that month. I never missed a payment for this vehicle lease for the entire contract period, and also paid off my lease in full after that. This was the only time I missed a payment, and it was because I never received a bill in the mail like I did every other month reminding me of my upcoming monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: VA

Complaint narrative:
On my credit report, it showed that I missed a payment of {$230.00} in XX/XX/2019 I believe. I later paid the bill when I logged into my XXXX  online account and saw that it hadn't been paid yet for that month. XXXX  always sent me a monthly bill in the mail reminding me of my monthly bill approaching. But I did not receive a bill in the mail the month of XX/XX/2019. I only later found out when I logged into my online account to check my lease maturity amount later that month. I never missed a payment for this vehicle lease for the entire contract period, and also paid off my lease in full after that. This was the only time I missed a payment, and it was because I never received a bill in the mail like I did every other month reminding me of my upcoming monthly payment.

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 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I closed the account with Capital One over 4 months ago and recently found out the account was never closed and it had a annual payment which came due while I had thought it was closed. Because the account showed that it was still open they were looking for a minimum payment as well as charging interest. I recently purchased a car and used Capital One as the lender. This is when I was notified that this account was still open. I contacted Capital One and notified them of this issue and they agreed that it was a mistake and sent me {$49.00} check showing that there was a balance on the account when it was closed. In order to get it removed from my credit report my lender was requesting that Capital one stated that the account was not past due and both letters I received did not exactly state that so it is still hurting my credit by 50 to 100 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Troubled PHH mortgage sent me an early crooked XXXX intervention letter gift dated, XX/XX/2019, explaining how they want to help me save my home when my loan is current and not in default. Setting aside all the evidence I have about other issues I am demanding that the troubled loan servicer stop targeting me with its abusing loan servicing practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This company called MIDLAND CREDIT MANAGE says that I have multiple accounts that are owed and they have failed to provide me on how I owe these accounts, I honestly don't know where they came from.

Company response to consumer: Closed with explanation