vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
My husband and I had a loan with XXXX finance, and the loan was transferred to Carrington Mortgage on XX/XX/XXXX. XXXX stated that they had done a yearly analysis on our loan. Later between XXXX and XXXX Carrington did another analysis on XX/XX/XXXX and we were told that our mortgage went up to XXXX for the month between XXXX and XXXX. During this change with the analysis, Carrington told us that we were going to be short in our escrow and they would take our mortgage up to over XXXX dollars. We paid the difference within our escrow and they so that our mortgage wouldn't go up, but they manage to up the mortgage to the above amount and they did another analysis for the month of XXXX for our XXXX statement was XXXX. I called the customer service line and she stated that that was the wrong amount. The amount due was XXXX on XX/XX/XXXX. For the month of XXXX XXXX, they change the address where the payments are normally sent and they did not tell us. They sent us information that they did not receive payment for the month of XXXX. I called the company and one of the staff on XX/XX/XXXX, a staff stated that the address had been changed and he apologized. We had an extra XXXX cents going curtailed, going towards the principal, and now they are trying to add the money in the payment charging us XXXX on XX/XX/XXXX. The statements they send to us and the information on the account doesn't match. We have been having problems with this company since we got our account transferred over to them. The statements don't match what they have within their computer, which is confusing. We don't know what to expect from this company when we get our mortgage statements each month. On our XX/XX/XXXX statement on the back of the statement, they got XXXX information which doesn't tell us the most accurate transaction that took place in XXXX. It's confusing dealing with a company giving us conflicting information on our mortgage statements. They tried to charge us late fees because the payment in XXXX was sent to the address given to us and the payment was sent on time. However, they had changed their address, which caused them to get the payment but they stated that it wasn't received. They had changed their address and another payment was sent to them. We don't know what happened to the first payment sent to the address they gave us on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I just received my credit report and I see an inquire dated XX/XX/2020 by your company. 
To my knowledge, I did give anyone from your company permission to pull my credit report. I did not file a police report because Im giving your company an opportunity to fix this matter. If this matter is not fix immediately, then I will pursue legal actions. Please immediately delete this inquire from my credit reports. 


Please see the inquire detail information listed below : XX/XX/2020 WELLS FARGO DEALER SERVICES WELLS FARGO DEALER SERVICES, XXXX XXXX XXXX, XXXX, CA 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 2020-09-24 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: IL

Complaint narrative:
My ex husband and his family / his brother XXXX XXXX / XXXX XXXX XXXX caused issues and ruined my credit and tried to have me evicted after abusing me nonstop. 

The courts have info and the polcie were bribed not to arrest him and others who abused me. 

This means I cant obtain a lease! 

Please help!! 

Errors by the polcie and bribed lawyers shouldnt be my problem. I was even XXXX and robbed from and 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 2020-09-24 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: FL

Complaint narrative:
someone is using my Name without my permission I need this to stop

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 2020-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I opened a credit card via Amazon which was apparently held through JPMC ( JP Morgan Chase ).

I never activated nor used the card. 

I was billed for XXXX but did not know. I had previously used another card for XXXX. 

Amazon removed the fees for XXXX  ( it was never used ) but JPMC added late fees for a card I never used, and reported late fees as late payments. 

I made countless calls where I was told I would have the fines by JPMC removed and would have a {$0.00} balance yet it took months of calls to accomplish this, and despite closing the card, and at one point having a {$0.00}, another fee accrued on the card - I had not idea because I was not using the, but again was reported for late payment despite paying off the card and closing the account. 

Now my credit has suffered for it. I am more than happy to pay a true debt, but late fees for cards never used, and fees on top of fees is ridiculous. 

Despicable, unethical, predatory behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I've actually already run through your complaint process on this and you closed my complaint without addressing any single issue I've had with the company. 

Likewise, Wells Fargo has absolutely refused to address any of the material elements of the case I've raised with them. They simply say " no. '' This is absolutely unacceptable and I don't understand how the CFPB is representing my interest in this at all. 

In XXXX, I contacted Wells Fargo regarding my auto loan. It was slightly behind ( largely due to my business experiences with the COVID crisis ). I was set to get everything up to date but was waiting for new checks to clear so I could make a payment to catch up without issue. I called Wells Fargo to advise them of this. That I was sending a check dated XX/XX/XXXX and was concerned that it might not arrive on time. I was told that there was no problem with this and everything would be fine. I also advised them by phone that as soon as several other checks ( in hand ) cleared, I planned to catch up with the balance and never fall behind again. Again, they told me on that phone call that everything would be fine. 

The next communication I received from Wells Fargo was that my loan was no in " charge off '' status despite my outreach to them. 

In a follow up phone call, I was told my check ( dated XX/XX/XXXX ) cleared their system ( again conveniently ) on XX/XX/XXXX. On day " late, '' again, despite my open communication with them. 

Since then, through a series of letters and phone calls, Wells Fargo has informed me that they, conveniently, have no record of my call. Also, that the date my check cleared their system was actually XX/XX/XXXX. A date that was never mentioned in any communication from them before that phone call. 

I've provided written documentation of both my check and my phone call. To be clear, a printout of my phone records showing that a call was made to their offices on XX/XX/XXXX despite their insistence that they have no record of that call. 

This has resulted in upset over the status of my car and loan as well as negative reporting on my credit impacting my ability to get another car loan to rectify the situation if, indeed, the facts don't matter and we need to find another solution to this problem. 

I filed a complaint with your offices and had an experience that only seemed to grant Wells Fargo the benefit of the doubt over my claim. 

As I said initially, I would happily submit my hardcopy documentation to back up this story with evidence. But no one has followed up with me on this, either. 

I hope you at the CFPB will treat this issue seriously

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 2020-09-24 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I just received my credit report and I see an inquire dated XX/XX/2020 by your company. 
To my knowledge, I did give anyone from your company permission to pull my credit report. I did not file a police report because Im giving your company an opportunity to fix this matter. If this matter is not fix immediately, then I will pursue legal actions. 

Please immediately delete this inquire from my credit reports. 


Please see the inquire detail information listed below : XX/XX/2020 TD AUTO FIN XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ASG Solutions LLC
State: IL

Complaint narrative:
ASG llc say my fiance owes a payday loan for XXXX. And if he doesn't pay by credit card over the phone they are going to put a stop registration on our vehicle with the county we live in. They keep changing the amount owed and they had our licenses plate on file. They keep calling me and not him.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was solicited and opened a Kohl 's charge card XX/XX/2020. I did not use the card during the purchase. I paid with my atm credit card. XXXX XXXX of XXXX XXXX decided to change my physical address so Kohl 's had my incorrect address. On XX/XX/XXXX I called Kohl 's and gave them my change of address. I inquired as to the status of the account and was told it was good. The change of address with the post office delayed my getting mail for several weeks. 

XX/XX/2020, I received an alert that my credit score dropped XXXX points. I have no debt so I immediately investigated. I found out that Kohl 's reported me late for {$1.00}. I called Kohl 's and asked what happened. They said I was delinquent {$1.00}. Evidently, they put a charge for {$1.00} on the card the day that I had opened the credit card. I did not know that. I explained I never received any bill from them requesting {$1.00}. I NEVER received even a phone call asking for the {$1.00}. And when I called on XX/XX/XXXX to change my address NO ONE told me I owed {$1.00}. I have called multiple times and spoken to their representative named XXXX Id # XXXX and XXXX Id # XXXX and I was told that I would need to contact Kohl 's dispute department to make a complaint, which I did. I fully explained what happened. I received a response from Kohl 's in the mail XX/XX/2020 stating they reviewed my concerns and they feel it was reported accurately. 

I never authorized {$1.00} be charged to this account. Under the Fair Credit Billing Act I disputed this charge within the window allowed to dispute a charge and withhold payment without hurting my score. Kohl 's has ignored this law. 

I clearly disputed the reporting of this error yet Kohl 's / Capital One continued / continues to report this to the bureaus. This is a violation of FCRA Section 623.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I applied for an XXXX XXXX XXXX which is issued through XXXX XXXX. Mind you I have two other open and active accounts with XXXX that are both in good standings. I've had them for many years. Supposedly, according to XXXX XXXX XXXX, my report is pulled from XXXX, however there isn't an inquiry on there. I later found out my consumer report was provided by a company called SageStream out of XXXX XXXX, CA. Never heard of them. They reported the following false information which is absolutely absurd to be used for credit worthiness decision purposes : Limited history of consumer at this address Date of issuance of applicant 's SSN does not match date of SSN of peers Limited history of consumer at application phone number Point # 1,  people move all the time. People buy/sell their home. People move from one rental property to another. This should not be a factor against someone. In my defense, I just bought a house. 

Point # 2, what does this even mean? I've had my SSN since the day I was born. Where in the world did they pull this ridiculous information from?! 

Point # 3, I've had my cell phone number for so many years. Why would a phone # even be a determining factor for approval?! Doesn't make any sense. 

Someone needs to really look into SageStream. To me, they come off as a fraudulent company. They have poor customer service practices and only refer you to their website. They will not assist you over the phone. The lady I spoke to stayed quiet the entire phone call and kept repeating I refer to their website which asks for your SSN. 

I am highly surprised a company such as XXXX and XXXX XXXX use SageStream for consumer credit reports. This is SageStream 's information : SAGESTREAM , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: OR

Complaint narrative:
XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OR XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents

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 2020-09-24 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: FL

Complaint narrative:
someone is using my Name without my permission I need this to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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:
someone is using my Name without my permission I need this to stop

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 2020-09-24 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: MS

Complaint narrative:
This is my second dispute to remove this inaccurate information from my credit report. These collections company are claiming I have an account with them or I owe them something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with them. Also, because they are a 3rd party collector, they have no permission to furnish any information on my credit report in the first place. The law states that before they collect any information about me, they have to get my authorization to access my credit report for any reason. They didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me 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 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: MS

Complaint narrative:
You are claiming I have an account with you or I owe you something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. Also, because you are a 3rd party collector, you have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information about me, you have to get my authorization to access my credit report for any reason. You didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
My account information has not been updated by US Bank Mortgage, the amount I owe on the mortgage has not been updated. My account status has not been updated on my credit report. This needs to be updated, I signed all the necessary paperwork and the payment amount has still not been updated to reflect an update to date account. Been this way for two months now. I started the process in late 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 explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
XXXX XXXX say my fiance owes a payday loan for 2017. And if he doesn't pay by credit card over the phone they are going to put a stop registration on our vehicle with the county we live in. They keep changing the amount owed and they had our licenses plate on file. They keep calling me and not him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020, I went to Experian to have a fraudulent account removed. XXXX XXXX created a fraudulent account in my name and began to fraudulently reporting it to all 3 of the credit bureaus. I've absolutely NO CONTRACT with this company and furthermore, XXXX XXXX invaded my privacy and illegally started harassing me via email. My personal information has been completely compromised. I am making a formal complaint and want the fraudulent account removed. This company is a fraud and I am very angry at Experian for not protecting consumers from fraudulent accounts and personal identity theft. Where is the protection from illegal credit reporting? My identity was COMPLETELY STOLEN!!!

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