vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC
State: ID

Complaint narrative:
Please see attached detailed letter. I purchased an online coaching system for Realtors in 2019 from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. One of the options to pay for the coaching was to pay a third-party financer a certain amount per month over time. After some initial negative experience with the company, I cancelled within a time frame allowed in their contract. I was told I would have to work directly with the third party financer, not XXXX and XXXX XXXX XXXX XXXX. I reached the financer and was given by phone a prorated amount ( {$840.00} ) due for the contract on the day I tried to cancel the service ; however, the individual on the phone said they did not know how to provide me with a final invoice or billing for the service and said they would have to get back to me. I never received a call back so contacted them the next day. I received the same runaround, but unfortunately was told I owed a higher amount. This went on for several days without them providing me something in writing that showed I was closing out my service and would not owe further money, yet every day they were charging me a higher amount to close out my service. I did not ever receive any of the coaching services - per the letter attached as I called to cancel directly after inital account setup. My account was sent to collections 2 years later for the full service amount of {$3600.00}. The collections company had no interest in settling the debt for the {$840.00} - in fact they never went back to XXXX and XXXX XXXX XXXX XXXX XXXX with an offer to settle. Now I have a collections amount on my personal credit report for the full service amount of a service I did not use even though I did cancel the service within the time frame allowed by their contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove I am also attaching a copy of my 604 letter that I filed as well for Identity theft.

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 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
In the process of buying and selling a home. The new lender pulled our credit report and found the mortgage was reported as a charge off. Credit report looks like we defaulted. The mortgage company stated that credit reporting on our account was turned off and they do not know why. The last phone conversation I had with the mortgage company on XXXX, I was told they used the same code on our account as they would for a charge off. We need the correct information on our credit report so we can buy and sell. The mortgage company has been unable to explain what and how this happened and how it will be resolved. They have been clear that all payments are being made and our account is in good standing.

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 2021-04-13 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:
When I purchase a home in XX/XX/XXXX, a XXXX XXXX mortgage for a home I do not own was listed on my credit report. 
I reached out to the bank via phone. They confirmed that this mortgage existed & was incorrectly assigned to me & it would be corrected. 
Last year as I applied to refinance a home, this same mortgage was still on my credit report. This time, XXXX XXXX sent me a letter telling me the account was handles appropriately & they didnt need to take any action. 
I dont see this mortgage if I am checking my XXXX XXXX account, but if the bank pulls my credit, it is there. 
I have tried contacting the credit bureaus, but as it does not show up on my credit, I cant direct them to dispute this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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:
On XX/XX/XXXX payment was made on XX/XX/XXXX and I have been charged late fee of {$28.00}. Due to COIVID-19 my unemployment arrived late and I and payment on XX/XX/XXXX which should have been paid by XX/XX/XXXX. Company has refused to reverse the late fee payment because of COVID-19 when I have lost my job and have no income except unemployment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13 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: AK

Complaint narrative:
Account Paid In Full, but Experian showing Late/collection. t was paid to XXXX, as shown by XXXX, in full. XXXX and XXXX are one and the same, so both XXXX and XXXX need to be updated as Paid in Full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit
State: CA

Complaint narrative:
I was leasing XXXX Volkswagen XXXX, and i traded-in this car to XXXX XXXX XXXX at XXXX XXXX, Ca. on XX/XX/XXXX The dealer paid {$20000.00} to VW credit that was cashed to them on XX/XX/XXXX On XX/XX/XXXX I received a notification from the credit bureau that VW reported me with 30 days late payment. 
I called them and they informed me that they got the amount but they didn't applied to my account because they are telling me that the amount was not correct, and the amount for the customer payoff id different than the dealer pay off. 

I called the dealer and the dealer called them and they informed the dealer that there is a shortage of amount equal to {$810.00}. 
The dealership asked me to pay this amount because the pay off invoice they got from VW credit was not correct. 
and VW is telling me that the dealership wrongly requested the pay off and they will not close my account. 

Now I am stuck in between the dealership and VW credit company and this impacting my credit score and rating and hurting me financially. 

Please note that my monthly payment wit VW was about {$410.00} / month. They got {$20000.00} on XX/XX/XXXX, they elected not to apply it to my account, and still reporting me with a late payment to the 3 credit bureaus, only because the have remaining amount required from the dealer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I uploaded document to Experian showing proof me a d XXXX  made a agreement for a payment on XX/XX/XXXX XX/XX/XXXX n XX/XX/XXXX for the amount of XXXX reaching a XXXX dollar settlement they have updated that I'm in debt repeatedly I have gotten a major drop in my credit score from fails reporting a d unfair accusations on my credit report stolen points just messing my life up I have up loaded early today yesterday and afew weeks ago to XXXX and Experian the update result was false update the correct information and amount

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 2021-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: GA

Complaint narrative:
On or around XX/XX/XXXX, I received a prepaid Visa Gift Card in the amount of {$150.00} by my employer as a XXXX gift. 

On XX/XX/XXXX, I attempted to use the card for the first time and my purchase was declined by the retailer. When I looked up the card on XXXX, I found that the card was previously registered and spent by someone other than me ; even though the card had never been removed from its original protective Visa envelope until I attempted to use it for the first time on XX/XX/XXXX. 

I called the Visa Gift Card toll-free number ( XXXX ) regarding the apparent fraudulent activity and was instructed by the representative to fax a scanned copy of the front and back of the gift card, my drivers license, and either a purchase receipt or a written statement if a receipt was not available. Once faxed, I was instructed by the representative to call the same toll-free number after three ( 3 ) business days to continue the process. 

On XX/XX/XXXX, I faxed the requested information to the fax number provided by the representative ( XXXX ). 

On XX/XX/XXXX, I called the toll-free number as instructed. The representative told me the drivers license was not legible and that with no copy of a purchase receipt, Visa could not move forward with processing my claim. When I informed the representative that her colleague, on XX/XX/XXXX, advised me that in place of a purchase receipt, that a written statement would suffice. She said that was not correct and that she could not help me with the information provided. 

I asked to speak with a supervisor and was connected to one. I was told that Visa could not help me without a purchase receipt. Being that the prepaid Visa Gift Card was a gift ( without a receipt ) and I was instructed by a Visa representative to supply a written statement in place of the receipt, I asked to be connected to someone that had the authority to make a customer service decision. 

The manager told me that someone from Visa, who had the authority to reissue Visa Gift Cards, would call me within 3 to 5 business days. 7 business days have since passed and I have not been contacted by Visa.

Despite being an apparent victim of fraud, I am now being stonewalled by Visa in having this issue resolved.

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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp.
State: VA

Complaint narrative:
I had an account with Southeast Toyota Finance and it is reporting as late for XX/XX/2021 it should not be in my credit report due to age. I also have a late payment from the department of education for XX/XX/2021 that is showing late when I have been paying on time. That account is also from 7 years ago and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NV

Complaint narrative:
I established an account using the XXXX XXXX app. This is a XXXX XXXX that allows you to purchase XXXX. Usually after you verify your identity and make a bank transfer, you can then buy XXXX. The funds are then available to withdraw or spend several days later. With most XXXX  exchanges this takes a few days or one week at the very most. 

On the XXXX app ( XXXX XXXX XXXX XXXX XXXX I deposited {$500.00} XXXX on XX/XX/XXXX. On XX/XX/XXXX I purchased XXXX for {$400.00} and XXXX XXXX for {$98.00}. I have tried repeatedly to withdraw these coins to my personal wallet since then. It has been one month. Every time I try to access the funds I see a pop up which says Pending Verification : your account is pending verification. Please check again later. 

I have sent support multiple requests for answers and have not received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Today is XX/XX/2021, I went to the bank to deposit the money left on my stimulus XXXX  card, I waited in the drive through line, when I got to the teller she told me they can't do that at the window and go inside. Once waiting in the line just to go into the building a gal comes to me to ask me what I was doing today at the bank, I told her and she informs me that I need to forms of Id, I tell her I have a drivers license and ss card, she tells me it won't work and they will take vehicle registration, I have to go get it them wait back in line with more people in front of me. This is ridiculous, worse than XXXX as far as customer service. More people are in the line now, now I wait and wait and wait, get the picture, I'm XXXX now!!! I get up to the counter which has plastic protecting the teller and all are in masks but there is a rope up that you have to run into to put your paper work on the counter, ridiculous, I get up to the counter and they tell me I need to call and get the balance myself, now I'm very angry and they tell me I can't use their phone and they can't call, I have to get out of line go get my phone and get back in line again!!!!!!!!! I asked to speak to the manager, no-one ever came, when I asked for a regional manager phone number they would not give it to me I asked 5-6 times before I got it, I have driven to my office looked up this email and I am still on hold to take to someone on their reg call line so I'm sure this is not a phone number for any manager and they tell me to ask for XXXX XXXX who I'm sure has no managerial experience at all. what a joke. They are worse than XXXX and as bad a XXXX XXXX XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
I started to refinance on XX/XX/2021, with New Rez and I had a loan officer which then was transferred to two other people. Trying to reach someone was not happening. Every time I called I left a message, several messages, even talked to the loan officers supervisor, which helped some. Then as time went on now XX/XX/2021 they send me papers to finalize my loan, which the amounts were not all on there. They were suppose to add a credit card amount to the loan, called several times to loan officer and supervisor and left messages with no return phone call. We did sign the papers not to finalize the loan only to get the interest rate they quoted us at the time to be locked in. I do not know where I stand with this loan, it's the worst customer service I have ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: AES/PHEAA
State: CA

Complaint narrative:
There are XXXX accounts i have with fedloan servicing and the accounts show late payments on my credit report. I had talked to the Fedloan Servicing employee at the time and they said that they have noted the account with the financial difficulty and that there will be no negative reporting to credit agencies. Few month later The negative report showed up on my credit report, i have tried multiple times to contact them to resolve the issue and every time they deny the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
This is not my debt. I was a victim of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Crossroads Systems Inc.
State: NE

Complaint narrative:
i applied for a ppp government loan that dont need to be paid back for small business and this bank XXXX ppp denies you as soon as they get your bank account number online and they have my dr lisc ss number and tax info that i sent too. after they get it they try to withdrawal money from your bank account instead of deposit the ppp loan that i applied for. also they say after 7 days your denied cause you didnt answer our 4 credit report questions correctly i ask for 2nd chance to redo the questions and they say no. this bank is scamming people to get peoples bank account numbers so they can withdrawal money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently talked with my bank to get pre-qualified for a XXXX  loan to build a new residence. This process included contacting the 3 credit bureaus XXXX XXXXTransunion XXXX. I received a letter notification from the bank with comments and my score from each bureau. My issue is with the noted " Key Factors '' that adversely affect my score. I disagree with all 3 bureaus as each bureau is contradicting what they have published in my credit reports. I will include these copies in my uploads. 

ie Transunion states the following key factors adversely affecting my score : XXXX Number of Accounts with Delinquency ( I WILL UPLOAD A TRANSUNION DOC DATED XX/XX/2021 THAT SHOWS A FICO XXXX SCORE OF XXXX AND NOTES THAT STATES " No Serious Delinquency '' and " Revolving utilization is low '' XXXX Lack of recent installment loan information ( LACK OF INFO SHOULD NOT BE MY PROBLEM ) XXXX Length of time accounts have been established ( THIS IS NOT CORRECT, MY NEWEST ACCOUNT IS OVER A DECADE OLD!!! ) XXXX Level of Delinquency on accounts ( THERE IS NO DELINQUENCY, SEE FIRST ITEM ) The same letter includes similar info from XXXX  and XXXX. I will upload docs. I DISAGREE WITH THEIR INFO

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 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express has continuously been contacting my ex husband looking for me even though we separated XXXX and a XXXX  years ago and our divorce was finalized over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report is reporting a XXXX card that was opened on XX/XX/XXXX. This account never had a payment made and was marked closed by XXXX as of XX/XX/XXXX. I have contacted Experian multiple times and summited multiple disputes to get the information corrected on my Credit report. Experian is showing on my credit report that the account was opened on XX/XX/XXXX, but they are not showing any payment history from XXXX. This information is incorrect. Why do they not have any payment history from XXXX. There was never any payments on this account and it was closed in XX/XX/XXXX. 

Experian is showing that this account was closed in XXXX. This is absolutely incorrect. On my XXXX  credit report, which is correct it is showing payment history from XXXX date and there has never been any payments on this account, making the first late/missing payment in XX/XX/XXXX. This account should be falling off my credit, but Experian is trying to tell me it is not going to fall off until XXXX, that is more than 10 years from the original late/missing payment 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 2021-04-13 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: CA

Complaint narrative:
XXXX loan balance is inaccurate, i have attempted multiple times to contact the lender to request more verification for the balance that was charged off. I have not received any response from 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 2021-04-13 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: CA

Complaint narrative:
XXXX loan balance is inaccurate, i have attempted multiple times to contact the lender to request more verification for the balance that was charged off. I have not received any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: CA

Complaint narrative:
XXXX loan balance is inaccurate, i have attempted multiple times to contact the lender to request more verification for the balance that was charged off. I have not received any response from 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