vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: KS

Complaint narrative:
I am writing to file a formal complaint about Discover 's payment process. I am attaching a screen print of their system for your records. 

As you can see, my payment is due on XXXX. The payment was already made for the month several days ago. I prefer to schedule my payments about 30-45 days ahead of time and prior to the due date. The account has always been paid on time.

Discover 's system will not allow users to schedule payments following the due date on the account regardless if the minimum payment due has already been made for the month. We have numerous credit cards and none of the other lenders handle payment processing this way.

Customers should be able to schedule their payments whenever they want. Discover should not block the customer 's online ability to make payments ahead of time regardless of whether the minimum payment due has already been made, although it is obviously more ridiculous to not allow a customer to schedule a payment in the future for the following billing cycle if the account isn't even past due. Manipulating their payment system to block customers from scheduling payments has all types of implications, including extra daily interest if the customer can't schedule on the day he or she wants.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FC HoldCo LLC
State: MO

Complaint narrative:
I received a hard credit pull on my credit report by the company Flagship Credit Acceptance. I never gave my consent for this to happen. I tried to call the company, but could not get through to them over the phone. When calling, they do not give an option to speak to a representative without providing an account number, which I do not have with that company.

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 2020-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
My husband and I purchased a vehicle in XX/XX/XXXX! After the down-payment, we financed {$23000.00} dollars! We got a 72 month loan whereas after the loan was paid in full, the amount that was supposed to be paid to satisfy the loan was approximately {$43.00}, XXXX which included the finance charge! Maturity date should have been XXXX, instead, we are still paying this loan with a changed maturity date of XX/XX/XXXX and paid well over {$63000.00} dollars! The problem is 1st, Santander Consumer USA has continually changed the Maturity date of this loan, we've made over 100 payments and after questioning them about these over payments the explanation is not understood! We need immediate assistance in this matter! They've continually changed the maturity date prolonging the pay off even though we've always made more than the amount due where as all over payments went to finance charge and or intrest! It appears this loan will never end with them continually every month changing the payoff amount and date! 
Please help ... 
XXXX and XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: Nelnet, Inc.
State: NY

Complaint narrative:
A count my settled - paid in full, my credit score was dropped 50 point after updated infor mation. 

2.

Nelnet list 2 separate account even though I have 1 account and make one payment because loan transferred to Nelnet XXXX XXXX I had late payments during the Sandy strorm There was no consideration during that period of displacement, and loss of vehicle and change in lifestyle expenses. Also living out of my house since XX/XX/XXXX sand Storm to XX/XX/XXXX for home repairs then XX/XX/XXXX to present for Goverment New York Rising elevation project.

Paying Hotel expenses and mortgate. 
with tototal 30 month rental assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Collections from company came up on my credit report XX/XX/2020. I Attempted to contact company via certified mail asking for proof of account and havent received a response because Ive never had an account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: Navient Solutions, LLC.
State: IN

Complaint narrative:
I was notified in XXXX that I was a co-signer on a student loan and that the loan was not being paid. I advised them that I had never co-signed for a loan and asked them to send me the documents. I made a police report for fraud and with the continued phone calls to get me to pay, I contacted an attorney. After 5 or 6 years of my attorney calling Navient and a lot of money, We were able to get 2 civil judgments in court against Navient advising them that the loan was product of fraud and unenforceable against me. Mt attorney sent Navient a letter informing them of this along with the copy of the 2 court orders/judgements. Navient disregarded the courts judgement and continued to pursue me for collection. I was notified by 6 different collection agencies and each time I advised them to contact my attorney that we had judgements from the court. The calls would stop from one agency and started with another until they finally stopped after a year or so. They still report this on my credit reports. It says I am years and years behind ( Late ) and late to the sum of over {$20000.00}. I filed a dispute with all 3 credit reporting agencies several times, including a copy of the court judgements.. I was told they contacted Navient, they advise its good debt, and it stays on my credit report. Navient has completely ignored the judge and his findings. The credit reporting agencies follow what Navient says and not the court. This has been going on since XXXX. I do not know who else to turn to. I have tried Lawyers and credit repair places trying to get this removed and have spent a great deal of money over the years to no avail. This has prevented me from obtaining credit at most places and purchasing items. I have a clear credit report with the exception of this. I pay my bills and my own student loans. Please find attached the letter from my former attorney that was sent to Navient and the 2 court orders/judgements. ** Please note Step 4 would not let me add XXXX. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: IN

Complaint narrative:
I was notified in XXXX that I was a co-signer on a student loan and that the loan was not being paid. I advised them that I had never co-signed for a loan and asked them to send me the documents. I made a police report for fraud and with the continued phone calls to get me to pay, I contacted an attorney. After 5 or 6 years of my attorney calling XXXX and a lot of money, We were able to get 2 civil judgments in court against XXXX advising them that the loan was product of fraud and unenforceable against me. Mt attorney sent XXXX a letter informing them of this along with the copy of the 2 court orders/judgements. XXXX disregarded the courts judgement and continued to pursue me for collection. I was notified by 6 different collection agencies and each time I advised them to contact my attorney that we had judgements from the court. The calls would stop from one agency and started with another until they finally stopped after a year or so. They still report this on my credit reports. It says I am years and years behind ( Late ) and late to the sum of over {$20000.00}. I filed a dispute with all 3 credit reporting agencies several times, including a copy of the court judgements.. I was told they contacted XXXX, they advise its good debt, and it stays on my credit report. XXXX has completely ignored the judge and his findings. The credit reporting agencies follow what XXXX says and not the court. This has been going on since XXXX. I do not know who else to turn to. I have tried Lawyers and credit repair places trying to get this removed and have spent a great deal of money over the years to no avail. This has prevented me from obtaining credit at most places and purchasing items. I have a clear credit report with the exception of this. I pay my bills and my own student loans. Please find attached the letter from my former attorney that was sent to XXXX and the 2 court orders/judgements. ** Please note Step 4 would not let me add XXXX. 
Thank you. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-05 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: SC

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC created changes that do not allow me to link my bank account to online stock trade platforms such as XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: AL

Complaint narrative:
I check my credit score every month on XXXX XXXX. For as long as I can remember now my credit score has been at XXXX or XXXX. I get an email from XXXX XXXX a few days ago saying my score has dropped. I log on and to my surprise my score has dropped by 107 points, I was devastated by this news. I had no idea what could have caused this drastic and sudden decline. I havent had a loan or credit card in several years and my score has remained the same. I never missed or was late on a payment on neither my car loan nor my credit card. The only thing I seen that was different was that from my XXXX credit score to my XXXX credit score was that I had two auto loans that went down to one. Ive never had any more than one auto loan and like I stated previously its been a few years since I paid it off. Any help with this situation would be greatly appreciated.

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 2020-07-05 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: AL

Complaint narrative:
I check my credit score every month on XXXX XXXX. For as long as I can remember now my credit score has been at XXXX or XXXX. I get an email from XXXX XXXX a few days ago saying my score has dropped. I log on and to my surprise my score has dropped by 107 points, I was devastated by this news. I had no idea what could have caused this drastic and sudden decline. I havent had a loan or credit card in several years and my score has remained the same. I never missed or was late on a payment on neither my car loan nor my credit card. The only thing I seen that was different was that from my XXXX credit score to my XXXX credit score was that I had two auto loans that went down to one. Ive never had any more than one auto loan and like I stated previously its been a few years since I paid it off. Any help with this situation would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: SC

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-07-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC
State: FL

Complaint narrative:
I applied to Finance America Reverse to refinance my reverse mortgage. 
I was ask what is the fair market value of my home. I estimated {$290000.00} based on similar homes in my neighborhood. I completed an application based on {$290000.00}. I was told IF the appraisal came in at {$290000.00} It should be approved and I should be able to receive {$28000.00}. ( This would help me pay Taxes, Ins, & HOA fees-and remain in my home for years OR until COVID19 gets me ). The appraisal came in at {$230000.00}. My home value was based on Comparisons to homes in other neighborhoods in XXXX XXXX where homes sell for ~ {$50000.00} less. NOT XXXX XXXX XXXX XXXX. Finance America Reverse ask the appraiser to consider comparisons in XXXX XXXX. The Appraiser said none were appropriate due to old sales dates, Square ft differences, & other differences. This is wrong. Several similar home sales in XXXX were for homes in XXXX XXXX for over {$300000.00}. There are about 100 homes in XXXX XXXX. Two are identical to mine. One ( with a pool ) sold for {$320000.00} in XXXX and the other is estimated at {$280000.00} online. Home values in XXXX XXXX are increasing $ XXXX to $ XXXX per year. My appraisal was {$50000.00} to {$60000.00} LOW. Florida Regulators of appraisers allow complaints for standards or independence violations only NOT for doing a bad job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: NV

Complaint narrative:
1. On XX/XX/2020, I called CapitalOne and requested to make a transfer of funds from CapitalOne to XXXX XXXX XXXX. The representative from CapitalOne instructed me to initiate the transfer through my CapitalOne banking app. I put my XXXXXXXX XXXX XXXX  information in correctly on the app and submitted the transfer request for {$3000.00}. 2. On XX/XX/XXXX, I received a statement on my app that the transfer was made to XXXX XXXX as opposed to XXXX  ). I do not have a XXXX account. I called CapitalOne and told them I do not have a XXXX account. The representative from CapitalOne told me to wait 14 days to make sure that the money did not go to XXXX. 3. After 14 days I called back, and CapitalOne ( a supervisor ) told me that they would have to put a stop to the check that they incorrectly sent to XXXX. They said that this would take 5 working days. 4. I waiting 5 days and called CapitalOne back. The money was not returned to my CapitalOne account. A CapitalOne representative said there is nothing they can do because the check was cashed by XXXX. They told me to go to XXXX and to request the money be returned to CapitalOne. I called XXXX, and they told me that CapitalOne needs to request the check from XXXX. CapitalOne then sent me a copy of the check. On the check, it shows the XXXX credit card number that I entered into the app correctly ; however, the address on the check shows that it was sent to XXXX and not XXXX. 5. I went back to XXXX and they said they could see the check in their system, but that CapitalOne needs to request the check. I went back and forth for two months now, and CapitalOne is refusing to resolve the issue and are insisting that I pay the {$3000.00}. 6. I went to a physical XXXX bank, and although they were not able to help me, they told me that CapitalOne has incorrectly sent checks to XXXX before and that I was not the first person to have this issue. 7. I have filled out a previous report with the CFPB, in which CapitalOne said they faxed XXXX a request for the money. XXXX has refused to return the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I CONTACTED RESURGENT ABOUT THIS ACCOUNT LVNV FUNDING ACC # XXXX THEY ARE REPORTING ON MY CREDIT REPORT. WHICH THE REP STATED THEY MANAGED. 
WHILE I RESARCHED AND COME TO FIND OUT RESURGENT DO NOT MANAGE OR OWNED THIS ACCOUNT THEY REPORTING .THE COMPANY THAT OWN S THE ACCOUNT STA TES THAT THERE NOT AFFLIFIATED WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
A count my settled - paid in full, my credit score was dropped 50 point after updated infor mation.

2. 
XXXX list 2 separate account even though I have 1 account and make one payment because loan transferred to XXXX XXXX XXXX I had late payments during the Sandy strorm There was no consideration during that period of displacement, and loss of vehicle and change in lifestyle expenses. Also living out of my house since XX/XX/XXXX sand Storm to XX/XX/XXXX for home repairs then XX/XX/XXXX to present for Goverment New York Rising elevation project. 
Paying Hotel expenses and mortgate. 
with tototal 30 month rental assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX. XXXX, XXXX. 
XXXX  XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX I.D . Theft Case Ticket # XXXX debt date opened XX/XX/2014 according to XXXX. XXXX, XXXX. 

Collection {$60.00} ( XXXX, XXXX, XXXX ) Trying to collect debt.

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