vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Reviewing the online payment history, I found that the company has, again, misapplied a payment. On XX/XX/XXXX, per my telephone conversation with XXXX, {$1200.00} was paid to be applied {$1100.00} to pay the XX/XX/XXXX payment and {$84.00}, plus the amount of {$1000.00}, which for absolutely no known reason has been kept in a suspense account, to make the {$1100.00} payment for XX/XX/XXXX ( confirmation # XXXX ). However, the payment history online reflects the full {$1200.00} being applied to the escrow account on XX/XX/XXXX. This presents one major problem, as the company has been reporting my account as late this whole time, which if the XX/XX/XXXX payment was properly applied, is not the case. Also, had the XX/XX/XXXX payment been properly credited I would not have had to increase the XX/XX/XXXX payment to again add the extra to the amount held in suspense so it would be credited as a full payment. LoanCareXXXX XXXX owes me {$84.00}. 

The company was contacted on XX/XX/XXXX to catch up on payments amidst the COVID impact on our financial situation by arranging to have a payment of {$1200.00} deducted from a specific account on XX/XX/XXXX ( confirm # XXXX ) and again on XX/XX/XXXX ( confirm # XXXX ). For a reason that no one can explain to me, {$2000.00} was deducted from a different account on XX/XX/XXXX, which over drafted that account. A stop payment had to be placed on that ACH with my bank to restore the account. Because the payment was reversed the company continued to report my account as past due, however, had they properly processed the XX/XX/XXXX and then XX/XX/XXXX payments, the account would not have been past due. In addition, the company then charged me for the stop payment! It was your company who processed an ACH for an unapproved amount from an unauthorized account! This {$40.00} fee must also be refunded to me. 

Prior to this, I thought the company was helping me by allowing a payment forbearance. However, at the end of the term of the forbearance, on XX/XX/XXXX, I received a letter requesting payment, in a lump sum, of {$11000.00} was due by XX/XX/XXXX or face foreclosure. This was not explained to me when I accepted the forbearance. It was by the grace of XXXX that I was able to quickly put together enough money to avoid further negative action on my mortgage. Further, it is my understanding that for XXXX XXXX backed loans, which my mortgage is, a bank can not require that the missed payments, or portion thereof, can be demanded to be paid in a lump sum payment after the forbearance period. 

Prior to this was no picnic for me with your company either. Attached is a copy of my email of XX/XX/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 2021-05-30 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: NY

Complaint narrative:
I have noticed on my credit reports accounts that does not belong to me. I am asking that these fraudulent items be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Hello, I have tried reaching out to this company several times with no resolution this company is reporting incorrect information to my report and refused to remove the account and they are in violation of the FCRA which in return I will have to continue to pursue further action. I hope this company is aware of the many fines they can receive and cost of this false reporting. If you take a look at the last statement on their website and what they are reporting the information is not correct. Also, I have never received anything in regards the sale of this vehicle which is in my right to do so and was never notified in writing of when it would be sold which is also my right. This company needs to provide proof of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home American Mortgage Corp
State: AZ

Complaint narrative:
On XX/XX/XXXX, my wife and I began the process of applying for a mortgage through Home American Mortgage Company for the purchase of our new home. We were pre-approved on XX/XX/XXXX for the purchase amount of our home being constructed by XXXX XXXX XXXX. We were then given a closing date of XX/XX/XXXX by the builder, saying they had a sales quota to fill by the end of the month. However, due to the increase in home sales, Home American Mortgage Company has been unable to meet demands, overpromising and underdelivering. My brother is purchasing a home in the same neighborhood and on XX/XX/XXXX, he was told that HAMC could no longer process his mortgage due to the high quantity of mortgages to close. I called HAMC and our sales agent to confirm they could still handle our case in time. They both assured us there was nothing to worry about. On XX/XX/XXXX the underwriter began processing our loan and asking for documents - most of which they already had in their system. On XX/XX/XXXX, the day we were supposed to receive keys, the underwriter was still asking for documents. Tomorrow is XXXX XXXX and they have only increased the demand for documents, with no signs of closing or an estimate of a closing date.

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 2021-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
1. CXXXX XXXX is reporting XXXX an inaccurate amount balance of over XXXX dollars and its inaccurate and fraudulent. I have attempted to call and made great effort to keep the account in good stating and credit karma and XXXX XXXX keeps reporting negative status on balance which keeps my scote from moving up. This practice is on a consistent basis both blaming each othe. 2 XXXX XXXX is reporting an inaccurate account on my XXXX for account mercedez benz balance that's has not been updated because the balance is wrong. The reporting of old status must stop thus keeping my score from bring accurately reported

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

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 2021-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: VA

Complaint narrative:
They've violated my FDCPA Rights by ruining my credit, defaming my character, fraudulently sharing my personal information, contacting my family members trying to get in touch with me, harassing me after advising them several times this isn't my debt, and going after the correct person who owes this money instead of wasting my time and resources having me back and forth in court as of XX/XX/XXXX, and again on XX/XX/XXXX. The amount they're trying to collect is {$2900.00}. Apparently, this loan was originated on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: MN

Complaint narrative:
I had a payment plan setup with the loan company which is XXXX XXXX XXXX bank, XXXX XXXX XXXX never notified the right department. Because of their error, my credit now is severely being affected. XXXX XXXX XXXX told me that they were going to fix it, yet they never fixed it. The late payments are still there on my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Due to covid-19 I became homeless. My income was reduced from {$1000.00}. to $ XXXX.per month. I contacted XXXX several times requesting an Hardship due to my loss of income and residence. Each time I was refused and denied. I am in litigation against XXXX for preadotory title loan. My attorney is XXXX XXXX. 
My friends are harassed regularly if I used their address for any mail at any time. I receive phone calls daily. And letters once a month. They do not have on my account the {$1200.00} that I've already given them.

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 2021-05-30 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: MN

Complaint narrative:
I had a payment plan setup with the loan company which is XXXX XXXX XXXX bank, XXXX XXXX XXXX never notified the right department. Because of their error, my credit now is severely being affected. XXXX XXXX XXXX told me that they were going to fix it, yet they never fixed it. The late payments are still there 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 2021-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NC

Complaint narrative:
I took out my first private loan in XXXX with XXXX XXXX bank as the lender and AES as the servicer. I have a total of 6 loans with a remaining balance of {$88000.00}. Over time my loans were sold to NCT. Over the life of the loan I have paid a total of {$160000.00}. I have been given incorrect information by AES on multiple occasions. In XXXX I was told if I made full on time payments for 5 years I could release my co-signer. Once I completed those 5 years I was told I couldn't release my co-signer because in the past I used a reduced payment plan. 

Current date I have requested contact information for NCT so I could speak to them directly. I was told " XXXX XXXX XXXX  '' was the contact for NCT. I called and gave them my SS # and they informed me they do not that my loans. I reach out to AES via certified mail twice to provide me with legal documentation with with NCTs contact information or paperwork stating they own my loans. As of today XX/XX/XXXX the only thing I have received is the original loan paperwork. Zero information for my lender-NCT. 

I am trying to find the lender for my set of loans to provide information of ownership as my lender with contact information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-30 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: OR

Complaint narrative:
Equifax is reporting XXXX XXXX to my consumer report. Equifax is in violation of 15 usc 1681b. And Equifax is willfully in violation FCRA. Under 15 usc 1681b Permissible purposes of consumer reports IN GENERAL 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 never gave Equifax any written consent to report anything on my consumer report, No consent is Identity Theft. I am distressed that Equifax is reporting without my written consent to my credit profile and Equifax has failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports that they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Equifax is abusing me by and hurting the ability for me to provide for my son. Equifax is impeding and impacted my my credit and is hindering me from progressing in my life. 

I have already went to XXXX and FTC. Convergent is unable to provide me with any contract or proof that I owe this debt. They are in violation as well and are abusing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: OR

Complaint narrative:
Equifax is reporting XXXX XXXX XXXX to my consumer report. Equifax is in violation of 15 usc 1681b. And Equifax is willfully in violation FCRA. Under 15 usc 1681b Permissible purposes of consumer reports IN GENERAL 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 never gave Equifax any written consent to report anything on my consumer report, No consent is Identity Theft. I am distressed that Equifax is reporting without my written consent to my credit profile and Equifax has failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports that they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Equifax is abusing me by and hurting the ability for me to provide for my son. Equifax is impeding and impacted my my credit and is hindering me from progressing in my life. Equifax is damaging my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has not updated my credit report they are still reflecting a report from XX/XX/2020. In addition, ( original creditor ) the XXXX XXXX account that was fraudulently placed on my credit ; which Experian agreed to delete ( after investigation ) is still reflecting. 
Moreover an old fraudulent disputed that was deleted have reoccurred, from XXXX. Lastly, they continue to refuse removal of XXXX XXXX  Account which have been settled through a class action lawsuit. And is now currently back in litigation.

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 2021-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I was incarcerated so I couldn't pay bill. People in home was still using in my name. 2013 was the year o service. The amount is {$2400.00}.

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 2021-05-31 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I've been trying to get my credit report on the annual credit report website but it says my information doesn't appear

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 2021-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To who it may concern I would like to report several violations against me. There are some errors and its been over 60 days and I haven't heard anything back. I also sent another letter and have not heard anything. I sent all the letters certified mail and have the delivery receipts to prove that they received my letters this is a violation under 15 U.S.C. 1692g. I demand the violations be addressed and deleted from 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 2021-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
It appears that in retaliation for complaint number XXXX filed with the CFPB, that this bank has retaliated against me by turning my cash rewards card into what it labels as a custom cash rewards card, where I have no status with the bank on any of my accounts. And they have completely XXXX my ability to access the cash back deals section of their website. This is in retaliation for the complaint it seems. It should be noted here, that when Bank of America finally responded to the original complaint and said it needed more time, it knew at that time that my credit card was at risk of further fraud, as is evidenced by its receipt of the information and responding to the CFPB by asking for more time. They were fine with leaving my credit card on and subject to more fraud. And then after that they started declining my purchases at every single place I go to, including stores that I frequently go to while they still have bot honored the fraud claim. So theyre just enriching themselves and retaliating against me. They should be refunding my fraud claim but they wont and now they are retaliating. This is a new complaint about the retaliation.

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 2021-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/2021, my ex-husband purchased a money order from XXXX XXXX XXXX located on XXXX, AL from XXXX XXXX XXXX teller XXXX for alimony owed to me in the amount of {$550.00}. I deposited this money order on XX/XX/2021 at the XXXX, AL branch of XXXX bank. XXXX bank took this out of my account because they say the money order was cashed on XX/XX/2021 at A WELLS FARGO WITH MY NAME ON IT and it is MY FAULT FOR " FAILING TO SECURE THE LIVE ITEM TO PREVENT IT FROM BEING TRANSACTED. WHY IS IT MY JOB TO SECURE A MONEY ORDER 3 DAYS AFTER I DEPOSIT IT INTO MY ACCOUNT IN THE DRIVE THROUGH? You can not go in because of covid. This has to be examined futher with WELLS FARGO BANK. This is ridiculous. SOMEHOW THIS GOT IN THE HANDS OF THE WRONG PERSON AND IT WAS RECASHED AT A WELLS FARGO BANK. WELLS FARGO should have cameras and know that it was not me who cashed my money order. XXXX is blaming WELLS FARGO for recashing my money order.

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 2021-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To who it may concern I would like to report several violations against me. There are some errors and its been over 60 days and I haven't heard anything back. I also sent another letter and have not heard anything. I sent all the letters certified mail and have the delivery receipts to prove that they received my letters this is a violation under 15 U.S.C. 1692g. I demand the violations be addressed and deleted from 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