vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingUSA
State: NY

Complaint narrative:
On XX/XX/XXXX I made the payment for my loan, 2 days later I got an email saying my payment was late so I went on and made the payment again. Next day I realize I made XXXX payments, I called lendingusa and asked if they could move the additional payment to the following month 's payment and I was told yes no problem. XX/XX/XXXX I get an email that my payment is late. Today I called lendingusa and I was told my request to move my payment was denied and they applied it toward the principal. I asked to speak with manager XXXX and he told me there is nothing he can do about it and I need to make the XXXX payment. I asked him why was I not contacted and told this so I could have requested a refund and then used it to pay my XXXX bill and I was told that's not there responsibility. How is it not when I was told my payment would be moved to the XXXX payment. But they kept my money and made interest on it and now want me to make another payment. I told them you can refund me my money and I'll pay my XXXX bill with it. Then I was told that will take XXXX weeks and then you will have a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I recently logged into my credit card account and noticed that I was being charged a late fee the same day as my automatic payment was processing for the minimum due. This has happened for several months. I called and asked about why this is going on and the agent said I was set to a fixed amount and that because of that late fees were coming now due to a different minimum being due. I stated that none of my other accounts with them are having this issue, neither is my auto loan with the them. I asked for the fees and any interests to be reversed and offered to pay whatever the new claimed minimum is. Agent said there is nothing she can do except wave one fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: GA

Complaint narrative:
Good Evening, recently was viewing my credit report and seen accounts on my report that are not mine. Looked up online what to do next and I Seen it was best to get an FTC report which is a police report and also got a identity theft affidavit. I filed both, I attached the identity theft victims complaint and Affidavit. Also the FTC report. These accounts are pushing me back. I was wondering why my score was down and i was having problems getting approved. This hurts bad to know that im a victim. Its better to know i will be helped. 

Thank You in Advance. 
XXXX bless You.

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 2021-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On the XXXX and XXXX of XXXX bank account was overdrew twice by more than 200 dollars. I don't know how that happened. Only a bank officer can do that. I don't have any arrangements with the bank to pay money that is not in the account. 

This is an inside Job, because I covered the money, to avoid my account to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: CA

Complaint narrative:
I hope you can help me with an issues I am having with Kohls. I had a balance with of {$1900.00} on XX/XX/2021 at XXXX I call to settle on this amount. During the conversation I told them I wanted to settled on the {$1900.00} they first offer me {$1100.00} I said NO I wanted it at 50 % which was {$950.00}. She kept asking me if I wanted to do two payments and I said no I want to settle for the XXXX. She then put me on hold and came back and said " would you like to make the XXXX in two payments '' AGAIN I said NO one time payment of {$950.00}. She ask how I was gon na pay I said my bank card she took my card number and ran the payment. The payment was taking out my account on XX/XX/2021. On Tuesday XX/XX/2021 Kohls call me asking me for the remaining balance on my account which was {$960.00} I am really confuse at this point because this was settle for the {$950.00} a one time payment. 

Today XX/XX/2021 I call Kohls to see what is going on. OMG this is was a nightmare. Two hours on the phone and still nothing is settle. 
They are trying to tell me that I call them back and cancelled the the payment of XXXX at XXXX now mind you I call them at XXXX and was on the phone for over XXXX mintues so how Could I call and cancelled when they were running my payment around that time. I have the recording of this call on XX/XX/2021 at XXXX you can clearly here that it was a settlement and a one time payment. When I try to fix this Kohls they have been giving me the running around and all the keeps saying is that I call back and cancelled it. 

They wouldnt even let me talk to a supervisor so they could listen the recording to see that they are the ones that made a HUGE mistake. They need to fix this or I will do a charge back and they will get nothing..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: PA

Complaint narrative:
I HAVE AN ACCOUNT REPORTING ON MY CREDIT REPORT THAT WAS DELETED FROM MY FILE BY XXXX  AND XXXX  BUT TRANSUNION IS STILL SHOWING IT ON MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
We refinanced our home with American Pacific Mortgage and the first payment was due XX/XX/XXXX. I mailed a check in on XX/XX/XXXX that was cashed on XX/XX/XXXX. Shortly after the check was cashed, I received notice that the loan was sold to XXXX XXXX XXXX. American Pacific Mortgage has no record of receiving my payment even though I have provided them a copy of the cashed check. My mortgage is late and they have said they are researching the issue several times and don't seem to be locating my payment, which needs to be transferred to 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 2021-06-04 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: TX

Complaint narrative:
I disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found proof of non-compliance in accordance to the XXXX and XXXX XXXX format method ignoring to report. 

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX-XXXX  updates XXXX. 

It is very serious that you please investigate and resolve as this is injurious to my character and is obstructing my potential to obtain mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft ALLY FINANCIAL Account Number : XXXX This is 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 2021-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
XX/XX/XXXX I PAID OFF MY LOAN IN FULL XX/XX/XXXX CROSSCOUNTRY SENT A LETTER TELLING THEY HAD NOT COMPLETED THEIR INVESTIGATION OF THE ERRO IDENTIFIED IN THEIR CORRESPONDENCE. 
XXXX XXXX THE LENDER CROSSCOUNTRY SAID THEY SENT THE ESCROW REFUND FOR {$5700.00}, BUT I NEVER RECEIVED THE CHECK XX/XX/XXXX I SENT A FAX AS A REQUESTED BY CROSSCOUNTRY TO CHANGE MY MAIL ADDRESS, THEY SAID THEY HAD ANOTHER MAIL ADDRESS. 
XXXX XXXX I CALLED CUSTOMER SERVICE ( XXXX ) XXXX XX/XX/XXXX I AGAIN CALLED CUSTOMER SERVICE XX/XX/XXXX I AGAIN CALLED CUSTOMER SERVICE XX/XX/XXXX CROSSCOUNTRY SENT A LETTER SAYING THAT THE INQUIRY HAS BEEN RESOLVED. BUT THAT WAS NO TRUE. 
XX/XX/XXXX I AGAIN CALLED CUSTOMER SERVICE XX/XX/XXXX CROSSCOUNTRY SENT ANOTHER LETTER SAYING THAT THE INQUIRY WAS BY REVIEWING BY THE APPROPIATE AREA. 
XX/XX/XXXX I SENT A CERTIFIED LETTER TO REQUEST THE ESCROW REFUND FOR {$5700.00} XX/XX/XXXX CROSSCOUNTRY SENT A LETTER THAT SAID THE SAME THAT ITS LETTER IN XX/XX/XXXX. 
FINALLY, XX/XX/XXXX I RECEIVED A LETTER SAYING THAT ACCORDING THEIR RECORDS CHECK NUMBER XXXX, DATED XX/XX/XXXX, FOR ESCROW REFUND OF {$5700.00} WAS CASHED ON XX/XX/XXXX. AND THEY DIDN'T ATTACH ANY EVIDENCE IN THE LETTER. 
THAT IS NOT TRUE BECAUSE WE NEVER RECEIVED THAT CHECK, THE MAIL ADDRESS THEY HAD IN THEIR RECORDS WAS WRONG THEY SAID IN XX/XX/XXXX THAT WAS WHY THEY REQUESTED US TO SEND A FORMAT BY FAX TO CHANGE THE ADDRESS AND WE DID THAT.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Checking account opened at TD Bank in my name using my address. Phone number listed on checking account is not mine. Contacted TD Bank and made them aware of the fraudulent account on the day I received the checks in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
I am a victim of Identity Theft. As a result, a phone bill was manufactured in my name. I went down to my local police department and filed a police report with the direction of XXXX. The collection account placed on my credit from XXXX XXXX in this regard was deleted. 

That said, Enhanced Recovery collection agency has placed the them account on behalf of XXXX on my credit. I have never received a notice from them they just placed the account on my credit- if they would have contacted me the would have known this is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
There was a woman with my same name and birthdate who was hospitalized in XXXX of 2019. She ultimately XXXX in XX/XX/2019. Her hospital bills hit my credit report. I have spent months contacting the collection agency, transworld systems inc, and the hospital and sent documents proving its not me. the transworld system has opened over 50 accounts on my credit reports. 

This has caused and issue with the SSA and IRS. on top of destroying my credit and preventing me from acquiring credit and an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: MI

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
This loan is paid off in full and the lender Bridgecrest is refusing to update all 3 credit bureaus to reflect a {$0.00} balance, these actions are hindering my debt to income ratio.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have a mortgage with Wells Fargo. I called trying to set up automatic payments. The customer service person on the phone asked me to make one manual payment and following payments the next month will be made automatically. I asked for auto payment immediately but they said that can not be done without one manual payment. So I set it up exactly as they asked. However, wells Fargo performed 2 monthly payment transfers for the month of XXXX without any warning.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
I am in the process of filing XXXX XXXX. I had previously been working with Freedom Debt Relief to pay off my creditors. My attorney stated that I should cancel my account and have any funds currently with Freedom Debt Relief immediately returned to me. I called them, explained my situation and they transferred me to the " termination '' department. I spent over 30 minutes on the phone and the agent would not initiate the return of funds. He stated I could not cancel the upcoming scheduled withdrawal. I told him multiple times in clear English to terminate my account and return my money. He then stated that he could stop the withdrawal and admitted to lying about it on the recorded phone call. After the fifth or sixth time of telling him what to do and him failing to do anything but argue with me I hung up. I then had to call back and get an agent to refund my money and stop any further withdraws. He did not have the power to cancel my account and said I would need to call back to do that. I told them multiple times on a recorded call to terminate my account and they refuse. I am not calling back. I should not be subjected to the lies, deception and emotional abuse that their termination department gave me. This company is horrible. I would never consider using them for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I have tried several times to contact Wells Fargo to resolve a debt that I do not believe to be mine. I need proof that this account was opened by me. I need proof of authorization and my signature. I have tried to dispute this debt several times and have paid it in full because of the impact it had on my credit.

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 2021-06-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Nation Star bank and Mr. Cooper have failed to satisfy the mortgage with the bank although payment was made. They are delaying the process of me obtaining a home for myself and my children. 

I dont understand how banks are able to force payment then not satisfy the commitment and title. Mr. Copper has been negligent in record keeping and reporting accurate and verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent a letter certified mail on XX/XX/2021 to Equifax in regards to accounts that they are reporting on my consumer report that I did not give written consent for them to report. According to 15 USC 1681b ( a ) ( 2 ) - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I demand that Equifax remove the following transactions from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Experian XXXX out my credit score without any communication or explanation. I need my credit score reinstated. This is the second time I'm going through this process. Their response about needing my contact information is bogus, as I provided all of that information in my previous complaint. 

My credit score was XXXX in XX/XX/2020. How can it be XXXX today without any derogatory transactions or information hitting my credit? 

I need my credit score reinstated. How can companies do this and CFPB does ABSOLUTELY NOTHING?

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 2021-06-04 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation