vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: ACIMA CREDIT, LLC
State: AL

Complaint narrative:
I leased tires from Acima Credit. The tires were fitted but were the wrong size. The installer stretched the tires on my wheels to make them fit instead of getting the correct size. This causes tires to wear faster. As a result I chose to end the lease and return the property. I was told by Acima to send photos of the tires and I did just that. I was told that Acima did not have a collection site in my area and to donate the tires to a thrift store and send the receipt to Acima. No non profit in my area accepted the tires because of wear and they can't sell them like that. I have emails asking Acima for an address to one of their collection sites and I  would be more than happy to ship them. I was told that's unacceptable. Also Acima shared my account information with a family member that claimed I was deceased. That wasn't true at all as I was unable to answer my phone due to out of town work. They didn't have my permission to speak to anyone concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has not let me get my credit report because I'm sure they have had fraudulent activity on my credit in which I have filed a claim against them and I need the copy of my credit report for proof

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: SC

Complaint narrative:
XX/XX/2019 late payment 30 days past. 
{$810.00} extension given but reported as late payment and no payment info since this occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I paid 2 different companies to resolve my credit issue but nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
In mid XXXX, XXXX, I received a letter from SUNTRUST Bank that my repossessed car was going to auction in mid-XXXX. there are two problems with this : # 1 My car is not repossessed, and # 2 all my payments since opening the account with Suntrust have been paid ON TIME. I called Suntrust : the agent was very confused by this due to the outstanding status of my payment record. Finally, a supervisor stepped in, apologized, and informed me that someone had transposed the VIN # incorrectly and they would take care of it. 
On Sunday, XXXX XXXX, I was alerted via email that my EXCELLENT credit score was down 79 points due to the closure of my Suntrust Auto Loan account due to repossession! 
I called Suntrust again : again they were confused, and gave me a CASE # in order to resolve the devastating situation. 
As if all that is not bad enough, I went to my own bank to refinance the car as I want nothing more to do with Suntrust, and, although they approved the loan, the interest rate was higher due to the credit report of repossession. 

It needs to be noted that my credit report also shows the same auto load account OPEN in good standing! 
Suntrust has singlehandedly ruined my EXCELLENT credit score due to THEIR errors!

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 2020-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc.
State: IN

Complaint narrative:
XXXX sent letter that I did not have enough coverage on home when I did. So I changed insurance companies on XX/XX/2019, See attached bill. XXXX   never paid the premium out of my escrow account so I received a policy cancellation from XXXX. I then called XXXX   and paid the {$680.00} in full and then Called American Financial Resources to complain along with XXXX and they said I show a payment was requested to XXXX   and she would do it again, I told her at that time not to bother because I paid it in full and wanted them removed from doing my escrow. They refused and then send me a bill for {$330.00} for lack of insurance coverage because they did not do their job, I received a letter on XXXX XXXX saying I owe {$330.00}. I have reached out to American Financial Resources to complain and no reply. XXXX is playing games and will not correct their mistake. I will not pay this bill as it was not my error and if and attorney and law suit is required I will hire an attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
Im a XXXX veteran on fixed income on verg of going through a hardship I pawn my title to pay for funeral they told me they had best and less interest they told my payments would be XXXX a month I told them that was tight I have paid them XXXX they gave me XXXX they change my payments to XXXX a month they say my payoff is XXXX plus I owe for XX/XX/XXXX payment they say I need to give them XXXX to bring current my car need motor work done costing XXXX they people are XXXX  me they don't wan na talk to me can someone please check into this title bucks XXXX XXXX ga XXXX my name XXXX XXXX USA XXXX veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: USCB, Inc.
State: NM

Complaint narrative:
I discovered when I checked my credit files on XX/XX/XXXX an adverse collection action reported by Revsolve Inc. on behalf of XXXX XXXX for {$100.00}. This account does not exist. XXXX and XXXX reported the account was placed for collection XX/XX/XXXX. This information was first reported by XXXX XX/XX/XXXX, no information on when first reported by XXXX. I filed disputes on XX/XX/XXXX and the information was deleted from my credit report by XXXX the same day and by XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I had XXXX service at my mom 's house on XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The account number was XXXX. She passed away on XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX via email to cancel her service and provided a death certificate. On XX/XX/XXXX, I returned their equipment to them. I followed up, after receiving a bill, on XX/XX/XXXX to make sure this service was cancelled as the house was being foreclosed on. I was told it was cancelled. Now, I have a bill going to IC Systems Debt collections ( acct number XXXX for {$500.00} for XXXX which I didn't even know was owed. I can not get anyone to explain this charge to me.

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 2020-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I applied for home retention program as I am now XXXX and struggling financially. Select portfolio turned it down. The reasons are as follows 1. My credit rating. My debt to income ratio took a drastic change in XXXX and became XXXX on XX/XX/XXXX 2.It is  not in their best interest to help me. 
3. They overstated my income by XXXX This was a government funded program and my credit records do not come into play on this. The options they gave me was short sale or select third party for some reason. I am not late on my mortgage and never have been. I tried to obtain my equity, but due to my credit rating this was not allowed. My other problem with them is they refuse to accrue my homeowners insurance in escrow. Their reasoning is the homeowners association has blanket policy covering exterior of townhouse. My responsibility is to insurance everything from interior walls and everything inside. Flooring plumbing electrical and contents. They state the homeowners insurance I have had for XXXX yrs and XXXX months is an optional purchase. This to is causing additional duress as the insurance company will only accept XXXX payments to pay XXXX annual coverage. I don't know what to do. I can not let my home go. I can not live anywhere for the amount of my mortgage. I do have a right to appeal but from what I was told it won't do any good. I am XXXX years old and on XXXX. I can not work as I fell and XXXX both of my XXXX XXXX at same time and am pending XXXX   XXXX XXXX XXXX XXXX. I am totally at a loss for what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I bought a gift card online for {$75.00} and was given instructions on how to redeem it using an app called XXXX on XX/XX/19 and never received it. I contacted the seller and no answer and contacted my bank ( Wells Fargo ) to dispute and told them I never received the item and paid it using XXXX XXXX they told me it was a valid transaction and closed the dispute. I contacted the bank and they gave me an email to reach out to see about a reconsideration of the result of the dispute. That email responded they don't handle these matters over email and then reverted me back to the Dept I contacted in the first place. Definitely reconsidering banking with them anymore.

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 2020-01-07 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: TN

Complaint narrative:
I have submitted evidence showing I am not liable for the debts originally being XXXX for {$2000.00} and {$600.00} that was deleted due to fraud back several months ago and now called XXXX XXXX. All other bureaus saw this and deleted and blocked fraudulent item except for Equifax. I just received results stating that the item belongs to me. I am a victim of identity theft and I am stating that this debt does not belong to me. please block and remove from my credit report. I am providing police report and actual XXXX letter from corporate stating I do not have any account with them. if this item is not deleted and blocked I will be seeking legal action against Equifax and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Leachman Law, P.C.
State: MD

Complaint narrative:
In XXXX I took out a payday loan for {$400.00}. Over the next four months I had to make payments of XXXX $ XXXX/month to satisfy paying off the loan without additional fees. I did pay off the loan but in XXXX I was notified by the law office of XXXX XXXX XXXX in Colorado that my debt now totalled > {$1800.00} with fees. Until XXXX I had not been notified that this original payday loan was unpaid. When I asked the law office for proof of non-payment they stated they did not have access to these documents. I was unable to find previous email correspondence showing my receipt of payments from XXXX due to the the email account had been deactivated years prior. In trying to find a resolution the law office refused to negotiate and then served me notice at my home in XXXX. In short the law office of XXXX XXXX XXXX has not been able to prove my loan was not paid and has added over {$1500.00} in fees and penalties as they say my new balance owed is in excess of {$2000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I paid off my credit card balance in full, and then saw a mysterious charge that was NOT made by me. I contacted Capital One twice, and the charge is still there. Furthermore, they have not closed this card down, which makes me vulnerable to more attacks. Something is very wrong about this, and I need help fighting for my rights to get the protection from fraud that Cap One should be providing without me having to go to this trouble. I'm interested in also filing a complaint about Cap One using off shore call centers to handle calls about fraud, and how this problem has escalated as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I had a mortgage that has been sold to new financial institutions throughout the XXXX years Ive been paying it but the last time it was changed, it became problematic. There are service and late fees that no other institutions charged. I tried calling the company, XXXX, to address the issue and they told me that those are their fees and there was nothing wrong with them charging fees. I called up the CFPB and they said I should try calling the loan provider and if they wouldnt help to make a complaint.

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 2020-01-07 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Filed dispute with Equifax over incorrect information from XXXX XXXX ( charge-off in XXXX, first delinquency XX/XX/XXXX ). XXXX had failed to cancel my account and continued billing, part of a hot mess when they took over from XXXX XXXX XXXX. I have multiple records supporting their incompetence. 

Equifax updated the record to show a " last reported '' date of XX/XX/XXXX. The credit score generated by them is XXXX points lower than that generated by the other credit bureaus. Their own credit score explanation gives " serious delinquency, date too recent or unknown '' as the primary factor impacting my score. This is preventing me from refinancing my home. The date is entirely within Equifax 's control ; they are responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: MD

Complaint narrative:
In XXXX I took out a payday loan for {$400.00}. Over the next four months I had to make payments of ~ $ XXXX to satisfy paying off the loan without additional fees. I did pay off the loan but in XXXX I was notified by the law office of XXXX XXXX XXXX in Colorado that my debt now totalled > {$1800.00} with fees. Until XXXX I had not been notified that this original payday loan was unpaid. When I asked the law office for proof of non-payment they stated they did not have access to these documents. I was unable to find previous email correspondence showing my receipt of payments from XXXX due to the the email account had been deactivated years prior. In trying to find a resolution the law office refused to negotiate and then served me notice at my home in XXXX. In short the law office of XXXX XXXX XXXX has not been able to prove my loan was not paid and has added over {$1500.00} in fees and penalties as they say my new balance owed is in excess of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hello, I actually review CFPB complaints for a large mortgage company so I will make this concise. Recently I decided to look into financing/purchasing a rental property. Upon checking my credit score ( as one does during this sort of process ) I noticed that My Equifax score is dramatically lower than all other reporting agencies. I will upload a pdf labeled CFPB 1 showing a roughly XXXX point difference between Equifax and the other reporting agencies. When i looked into what had caused the decline of the Equifax score the issue got even more confusing. As item labeled CFPB2 shows, Equifax is reporting that the reason for the decline in my credit score with them is due to me paying down a balance I have on a credit card by a conservative amount of only {$100.00}. How is my credit score decreased due to myself making a payment towards my balance?! is Equifax trying to make people crazy? Lastly, when you call Equifax you can never get a person that can speak English or understand it for that matter. Is that even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
On XX/XX/2020 a lot of transactions happening on Zelle " Failed '' due to a system issue by Zelle. This was a glitch in the system that happened on XXXX XXXX 2020 maybe because of the date or year. I regularly receive rent money via Zelle and money is debited from my tenants bank account ( which is XXXX ) and deposited into my bank account ( XXXX XXXX ) within a minute and shows up in the Activity section of Zelle app. But on XX/XX/2020 when my tenant sent me {$1800.00} in rent via Zelle through their XXXX XXXX app the money was sent to Zelle but Zelle had  a glitch in their system and they sent me an email saying payment was delayed. The payment was delayed for few days and then the Customer Support of Zelle said that payment was marked as " Failed '' on XX/XX/XXXX and that the money will be returned back to the sender 's bank account who is my tenant. The sender has not received the money back as of XX/XX/XXXX and I had the sender contact their XXXX XXXX to followup with this " Failed '' Zelle payment but XXXX XXXX insists that money is sent and I have it in my XXXX XXXX. I have not received the money in my bank nor do I see it in Zelle app and asked for written confirmation via email from Zelle telling that this payment failed. I am attaching that email as proof of failed payment. 

Right now the issue is that XXXX will not return the money back to the sender who is my tenant so she can pay my rent which was due XX/XX/XXXX. Nor will Zelle send money to my bank since they say money has " Failed '' to transfer. Right now the money is in a limbo situation where both XXXX XXXX and Zelle and my bank XXXX do not know where the money is. 

This is just my story and there are a lot of other people like me who are complaining on twitter. This is a serious issue as from my and sender 's perspective money is lost and both parties ( XXXX and Zelle ) are playing blame game and not resolving the issue. 
Here is the link to twitter where you can see people are complaining and attaching screenshot of that as proof. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Appears I was victim of ID theft, credit card number I do not own and I did not authorize used at XXXX on XXXX for XXXX purchases. XXXX canceled sale. Appears thief generated a credit card with my ss #, since one item was approved and shipped. Put a freeze on my credit at XXXX  and XXXX, can not do so via the automated service at Experian, they say there is some problem with the info. Perhaps thief registered there and used false info. Can not reach a live person at Experian to figure out what is going on there. So far the false card has not appeared on my credit report, but it takes a month or so is my understanding. Also Experian forces you to give them authorization to sell your info, even if you just want to place a freeze. Additionally they want you to write them ... they are very diffcult to deal with and if someone has stolen my information I need to know as soon as possible. I also need to be able to place and remove a credit card freeze online at their site, not by mail.

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