vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-07 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: Innovis
State: TX

Complaint narrative:
on artists prey on victims of timeshare resale scams Share this page XXXX XXXX XXXX XX/XX/2013 by XXXX XXXX Consumer Education Specialist, FTC Con artists are trying to steal money from people by falsely claiming they are associated with the federal courts, the U.S. Department of Justice ( DOJ ), and the Federal Trade Commission ( FTC ). The imposters tell people they are entitled to refunds as part of cases brought by the FTC against companies that engaged in timeshare resale fraud. People are told they must pay several hundred dollars in court costs, processing fees or filing fees to get their refunds. The scammers may use an actual FTC case number to lend some legitimacy to their pitch. DO NOT GIVE THESE IMPOSTERS MONEY. THIS IS A SCAM. The FTC never requires consumers to pay money to get a refund. The imposters also have impersonated Florida attorneys in an effort to convince people to pay their fees.

If you get a call from someone claiming they can get you a refund for a fee, report it to the FTC. Visit Complaint Assistant or call 1-877-FTC-HELP ( 1-877-382-4357 ). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTCs website provides free information on a variety of consumer topics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: ONEMAIN FINANCE CORPORATION
State: IL

Complaint narrative:
I noticed there are 2 inquires on my credit report that I did not authorize. The company is ONE Main Financial. The dates are XX/XX/2020 and XX/XX/2020. I called and asked a question about my current account with them. The scary part of this is I didnt ask for any credit just a question on my account. They ran my credit 2 times without me knowing it. I wrote them a letter to dispute this and they refuse to remove it off my report. Its very unfortunate that companies are allowed to do this and are able to damage ones credit with no consequences. I want this resolved ASAP. I dont want to seek legal help with this matter but it may be the only solution. Please help me resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I tried to order my credit reports from Experian and XXXX and is not able to. I should be able to obtain my reports from both of them without all the run a rounds.

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 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: IA

Complaint narrative:
I agreed to a background check for XXXX ( XXXX XXXX ). The company that did the background check was First Advantage. There was an incorrect address listed as one of my former addresses.I have never lived at XXXX XXXX XXXX, XXXX  XXXX , Ia . I would like it removed. I have never lived at that address. My son lives there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I settled an account with XXXX through the debt collector XXXX XXXX XX/XX/XXXX, account cleared payment on XX/XX/XXXX, and I have called and called and requested that my credit report is still not showing balance of 0 after settling. They have not sent an update to the credit bureaus. On top of that I have a pending mortgage and they are requiring a letter stating that account has been settled with XXXX. I have called several times and they are refusing to provide me a letter stating that it is settled. The verbiage is reflecting that it has been settled pending clearing of payment which was cleared months ago. I have spoke to several XXXX representatives and requested to speak to supervisors and nobody is helping. This is delaying my process in purchasing a home. I need someone to do something. I need a letter stating account has been settled with 0 balance, without extra verbiage implying pending payment. 


Also, I settled another account with XXXX XXXX XXXX with debt collector XXXX XXXX End of XXXX, payment cleared on XX/XX/XXXX. I have called TD Bank USA several times and have not been able to speak to a person to obtain a letter stating account has been settled and cleared. I received it from the debt collector but I am need one from the creditor stating it is cleared and settled. No response from them at all. Automated system leads you in circles. I need a letter  asap and mailed to me. My credit report is also not reflecting a {$0.00} balance. I have not received not one letter from TD Bank USA stating the account has been settled. 

These accounts were paid months ago and I should be able to obtain these items from the creditors. Accounts were resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been trying since XX/XX/XXXX to get help with my 2 credit card accounts I have with Citi Bank. Our incomes have been affected by the COVID-19 virus, we are unable to pay our XXXX payment. I keep getting the " Run around ''. They say elaborate more, so I do. Then they say fill out this form-ca n't download or copy-no form available. Then it starts All over again hours and hours on hold on phone, then waiting for response from email. They have it set up so you Will Give up! Its so unfair, I have spent agonizing hours on these two cards. No other credit company or bank have dealt with during this tragic time have took this long! Company Name-Citi Cards XXXX, KY

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 2020-04-07 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a parent co-signer on a student loan my son  and I obtained with Wells Fargo in 2016. 

BOTTOM LINE - I was unable to obtain current balance information using the Wells Fargo on-line account access. When I phoned Wells Fargo student loan department, I learned that detailed information regarding this account is not available on-line until loan payments become due, after graduation. I also learned that Wells Fargo does not send out any account statement, either email nor mail while the student is attending school. The only way to obtain detailed information is to phone and ask. 

COMPLAINT - It is too difficult to obtain full disclosure of current account balance, interest rate and amount of interest being charge monthly. Therefore, we can not be adequately aware of the debt we are building. This is unacceptable and I wonder if it may even be either illegal or simply not compliant with applicable regulations. 


WHO I TALKED TO : I spoke with Wells Fargo student loan department. They answered promptly and provided professional, friendly service. No compliant there. What I was told is that, ( 1 ) account information is not available on-line for student loans until payments become due - so not available while attending school, and ( 2 ) statements are not mailed our or otherwise provided. I was also informed that I was not able to set-up recurring payments using the Wells Fargo web site but that I could set-up monthly payments through a bill pay. 

Seems to me that Wells Fargo is motivated to ensure borrowers do not realize the amount of student debt they are accumulating, nor to encourage responsible financial management such as paying interest while attending school. Rather, it appears to me that Well Fargo has their executives and share holders concerns above those of the borrowers whom they are here to serve.

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 2020-04-07 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 — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
Due to the recent COVID 19, I applied for a payment deferral for the month of XXXX and XXXX due to my work hours being cut in half. The deferral will not granted until XX/XX/XXXX. I was advised by the Honda Financial personnel from American Honda Finance Corporation to file a complaint to remove the negative mark from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: FL

Complaint narrative:
I have a XXXX XXXX XXXX XXXX on my Equifax credit report. This account is at zero balance and XXXX promised to delete this from my Equifax report this needs to be deleted today

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: JLB CORPORATION
State: IN

Complaint narrative:
I submitted my application for refinancing to " Golden Oak Lending on XX/XX/2020. 

My loan officer at Golden Oak Lending, informed that he could refinance my home loan, with the Chapter XXXX bankruptcy in place. I was informed that I needed " 2 '' out of 3 credit scores to be above 580. 

According to Golden Oak Lending, they submitted my application for refinancing but reported was declined due to my low scores, but failed to give a date, of when it was submitted to their underwriting team. Based upon their response, they pointed out that being in a Chapter XXXX, my scores currently reflect ( XXXX, XXXX ). The question is obvious, how do Golden Oak Lending, know what my current scores are, if indeed they have closed my case, as it pertains to their denial? 

I am submitting evidence that contradicts this assertion with Golden Oak Lending of me having low credit score ( s ) at the of refinancing with them During the time of my refinancing process with Golden Oak Lending, my scores were in the acceptable guideline range for refinancing while in a Chapter XXXX. My score with XXXX XXXX alone indicated ( XXXX ), ( XXXX ) and ( XXXX ), substantially, well above required range. 

All these scores, Golden Oak Lending were privy too and had knowledge of, during my refinancing application process. It was not until, I contacted the corporate office and filed a complaint with the ( CFPB ), that they changed their direction and/or standing in approving my loan. 

Just to provide additional supporting evidence, to prove the discrepancies, in their report, I had to insist upon Golden Oak Lending, following proper protocol, when it comes to an applicant 's denial. I asked, that they send to me in writing a denial letter. 
Subsequently, I received a letter on ( XX/XX/2020 ), of which was post marked for ( XX/XX/2020 ) ; which again, was after the filing of the complaint ( s ). Thus, the evidences shows their negligence in consumer and lending regulatory guidelines. 

In closing, Golden Oak improperly/ missed handled my refinancing application submitted to them, my credit information and negatively has impacted my credit report. 

I am requesting that Golden Oak present their underwriting documents to support their assertion ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: MS

Complaint narrative:
While I was sick, this company took two mortgage payments from me. Thus, putting my family into financial hardship during the worse time. I called them last week ( XXXX, XXXX ) and I had to wait on hold several hours and call back many times. I left messages upon messages with three different managers. The representatives were telling me there's nothing they could do. Finally a manager calls me and states she may be able to cut through red tape and get me a refund. She stated I would see my money back into my account by XXXX. I called three times today and left two messages. Still no money and no call. These people are scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have told Experian I had tried to contact the XXXX XXXX XXXX XXXX that says I have an open card on my credit, they have not responded to my messages or emails or provided any type of communication. Maybe I cant find the most direct number to them. But I disputed it and twice they claimed it's an accurate account but wont give me any information. I do not agree with this.

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 2020-04-07 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My car was hit & run by another car. I made a claim with XXXX, my insurance company. XXXX made a reservation with XXXX, their rental car partner. I had to put a {$50.00} deposit down on my credit card for the return of the car. The car was returned after repairs to my card were made. 

In the process, XXXX has gone wild charging my credit card numerous times even though XXXX was also paying them! 

Despite my supplying Wells Fargo Visa with the evidence of XXXX paying the amount that should have been charged, there are still unauthorized XXXX  charged on my Wells Fargo Visa. 

Please help. I have spent a total of 8 hours of wait time simply holding for XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX who is also waiting on XXXX XXXX to pick up the phone. I have tried leaving messages for Senior Vice President XXXX XXXX XXXX with no returned call or email.

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 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XX/XX/XXXX, I paid off my Capital One Credit Card, the account was set on Auto Pay prior to the payoff. There has been no purchases since the payoff. In XX/XX/XXXX, Capital One charged their annual fee to my card and instead of the autopay noticing that a new charge had appeared and making the monthly payment, Capital One removed the autopay at some point and no payment was made. I was accessed a late payment fee of {$25.00} and interest. Another month passed and another late fee of {$38.00} and interest was accessed all unbeknownst to me. The only reason I was made aware was because my credit score dropped significantly ( 88 points ). I can only assume that this is a way for Capital One to exploit their customers instead of protect them. They should have never removed the auto pay. The chat attached shows that they claimed I was never on auto pay yet my statement prior ( also attached ) to the payoff shows that I was. I have paid the membership due in full as of XX/XX/XXXX. I want all late payments and accrued interest to be removed from my account. I want any derogatory marks including the late history to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
In XXXX of 2018, I was late on a payment, which I did not know about, and it put me over the 30 day threshold for late payments. Chase Auto then decided to repossess the car without sending me a letter and verifying that I knew that they were going to repossess the car. They proceeded to repossess the car, the day after XXXX, and I did not even know it was more than a month behind. I called Chase and they said they could do this after 30 days of being late. I paid the late payments and received the car back. They refuse to take the Repossess and late payment off when it was a clear mis understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 TransUnion received a letter from myself stating to investigate some accounts that were closed on my credit but since as of now XX/XX/2020 I have not received any conformation of them to if they had been removed or cleared from my credit report. So on XX/XX/XXXX they received another from myself stating that they have not cleared anything and have not gotten any response from them within the 30 days that was stated on the letter and it was a violation on the 1629e ( 8 ) debt collection practice act. 

I up to this date have not heard any response from them at all.

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 2020-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I have been trying to get my PMI cancelled for a couple months now. Over these couple months, I have called my mortgage company, NewRez, numerous times and have consistently received incorrect and inconsistent information. Their employees clearly aren't trained well enough to know the rules regarding PMI removal, as I received different information each time. They record all of their phone calls so there is evidence of this claim in their systems. I finally seemed to reach someone who knew what they were talking about, and we were able to get an appraisal scheduled by an appraiser chosen by NewRez. I was informed that that would cost me at least {$400.00}. 

The appraisal ( technically a " broker price opinion '' ) valued my property at {$750000.00} and was dated XX/XX/20. On that same date my principal balance was {$540000.00}. That put my loan-to-value at 73.2 %. My loan is in good standing. The loan is current, there has never been a late payment, and there are no subordinate liens on the property. On XX/XX/20 I still was charged for PMI, and have tried to contact the lender numerous times. Each time I was on hold for over 30 minutes before giving up or the call just automatically disconnecting. I did submit a written request again through their system, and I just received a letter today, dated XX/XX/20, telling me that I do not meet the requirements to cancel PMI. The letter did not give an explanation of why. They are going to now charge me for the appraisal and continue charging PMI, despite a 73 % LTV.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
CMRE collection agency put a collection account on my credit without contacting me, nor letting me know who the original creditor is. I sent written request via certified mail asking them to validate the debt. They refuse to provide validation yet they continue to report the erroneous account on my credit. CMRE are in violation of SEC. 809B OF THE FDCPA

Company response to consumer: Closed with explanation