vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2020 an unknown person used XXXX to take {$900.00} from my personal checking account. I filed a dispute concerning this transaction on XX/XX/2020 and have received one reply email from CapitalOne bank noting that I had filed this dispute. I was given a " provisional '' credit of {$900.00} on XX/XX/2020. I have been in contact with Customer Service by phone at XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
On Wed. XX/XX/XXXX I received an email from CapitalOne stating that my claim had been denied because they '' didn't find an error. '' I was told that the dispute had been denied by one department at the bank but that there was an ongoing investigation being done by the bank '' s " fraud '' department and the bank could not tell me how long it would take to finalize their decision about my dispute. 
The email also states that the bank will remove the temporary credit totaling {$900.00} from my account on XX/XX/2020 and any interest and/or finance charges given on that temporary credit. This action would basically result in my not only losing the original {$900.00} I have disputed but I would be liable to repay the {$900.00} provisional credit I have used to pay my rent, medical bills, life insurance, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that i did not authorize.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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 2020-12-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that i did not authorize.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank has placed lates on my credit report with no attempt to resolve the delinquency, This appears to be some type of credit parking. Just placing the late and delinquent amount on a consumer 's credit with no intention to contact me. They are also charging me late fees and a {$20.00} fee each month since XXXX. 

In XX/XX/XXXX I used my ATM card thinking I had money in my checking account and took out {$300.00}, they approved the charge and gave me the money. I did not know that I did not have the money in there because this is not an account I used often, but an account I had some savings in and had needed for a 2nd mortgage i opened over 10 years ago. They used some type of over draft account I had and was not aware of this. 

In XXXX I sold my home and US Bank was notified. I also put in a forwarding order with the bank. I moved to paperless statements at some time as well. I had no need to access statements for US bank because I was not using their service. Well today when I accessed my account online I saw the delinquency and immediately paid it. 

They made no attempts to help me resolve the delinquent account before they parked this delinquency on my credit report and charged me over {$130.00} extra, which was paid. My phone number has not changed and no calls or messages have been left for 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 2020-12-18 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: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have two duplicate inquiries from XXXX  XXXX XXXX from XX/XX/2020. I have contacted TransUnion and they refused to investigate the issue. 
I have filed a complaint with XXXX  XXXX XXXX as well. They respond and said they would fix in on XX/XX/2020. The inquirys are for the same date and time.

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 2020-12-18 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: CA

Complaint narrative:
I have a credit card from XXXX XXXX XXXX  XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX  XXXX XXXX  XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

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 2020-12-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a credit card from XXXX XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX Equifax, XXXX, and XXXX XXXX XXXX  XXXX XXXX with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a credit card from XXXX XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

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 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: AR

Complaint narrative:
- I closed on my mortgage with Dovenmuhle Mortgage and paid in full on XX/XX/XXXX. 
- I had a significant remaining balance in my escrow account. 
- I waited until mid-XXXX for the refund check and it never arrived. I called Dovenmuhle in mid-XXXX, and they said they weren't sure why the check wasn't sent but promised to send. Waiting customary 2 weeks processing and 7-10 business days for delivery. 
- I waited until XX/XX/XXXX and called back. The check was never sent. They said I couldn't update my new address over the phone and had to email over a signed document asking for an updated mailing address. They asked that I wait 2 more days and call back to have the check re-sent. I asked for it to be overnighted and they agreed. 
- Called on XX/XX/XXXX and they initially said they never received the email. I resent from two different email addresses and eventually said they found it ( not sure if original or 2nd attempt ). I asked for it to be overnighted and the rep said she needed manager approval, who was in a meeting and said he'd call me back. Manager called back and left a message saying the check would be processed within 2 weeks and then mailed. 
- I called back and was told there was no way to overnight it. Asked for the manager and was put on hold for 20 minutes. 
- I called back and had to go through entire thing again, asking for a manager. Was put on hold for 10 minutes and went to the automated survey and I was disconnected. 

- I am waaaayyyy past the 20 day window for refund of escrow funds, and this entire process is unacceptable to illegally hold on to my money like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
This debt collector is not answering any of my questions that I ask them once I verify that they have my correct name and address. I never owned any phone company any debt. This is the first Im hearing of this debt and cant get any further information. I want them to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit
State: TX

Complaint narrative:
I traded in a XXXX XXXX on a new XXXX. The day I traded I went online to VW credit and logged into my portal and pulled a pay off good for two weeks. The pay off did not state that it was specific to myself or a car dealer. It simply stated the pay off amount and residual value of the car. We gave XXXX our pay off quote and closed a deal. It turns out the XXXX dealer never called VW to get a payoff but simply went with my quote. 1.5 months later VW sends a short pay off letter to XXXX. XXXX then demanded I pay the XXXX shortage in one week. When I started making calls it turns out that VW only honors if the pay off if I am buying the car out right. Since the dealer was buying the car and keeping it they say they don't have to honor the written agreement that I had with VW. They quoted XXXX XXXX more than my payoff. However the pay off quote I have states nothing to this fact nor will they send me something in writing to this fact. I am confused how a finance company can give out different pay off numbers to a third party when it was my car to trade in if I wanted with my terms intact. Is this common practice and legal? If the pay off sent to me did not disclose this fact how can they change numbers after the fact? The mgr in VW finance said the payoff should have stated this but I have the written doc from them and it states nothing about this. Seems super shady and illegal. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Our complaint is with XXXX/Loancare. 

On XX/XX/2020 we refinance our mortgage from Loancare to a different lender. On XX/XX/XXXX we sold our home. It was brought to our attention that we still had a title lien from Loancare pending in addition to our current lender. On XX/XX/XXXX, I phoned Loancare and they said they submitted the lien release on XX/XX/XXXX and that the countXXXX had 120 days to process the lien ( at that point I was 97 days out ) and that I should check back on XX/XX/XXXX. I phoned XX/XX/XXXX and inquired about the process, they said Its still isn't released, I advised I had a closing on the XXXX and that I need to be notified. This customer service agent didn't seem to know what's going on. Our title specialist called the county to verify no pending titles were outstanding. The county had no paperwork of my title release. I called again on XX/XX/XXXX, they told me there is a date of XX/XX/XXXX that it should show by XXXX. I stressed that I have a pending sale/closing on XX/XX/XXXX and I need this resolution asap. I was told that a manager would call me. No manager called. I received an email that my complaint has been escalated. I called on XX/XX/XXXX, still no release of title lean. I spoke to a manager called XXXX XXXX out of XXXX. He said he will escalate my complaint, issue me a verification letter and a copy of the release. No one called me. Called on XX/XX/XXXX, spoke with manager, XXXX, who put in an escalation request and stated there was no one else above her I could speak with, I couldn't get transferred to anyone in the escalation department cause they don't seem to have access to a phone. So I am to wait for someone to call me. No one called. Called today, XX/XX/XXXX, spoke to another manager, who stated that the release is scheduled on XX/XX/XXXX. I have a XXXX  balance with Loancare and they have neglected to file my lien release, in a timely and professional manner. They have held up the sale of my home. No company should have that kind of control. 
Completely unacceptable.

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 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays was contacted today in regards to a due date change. I have been contacting them since XXXX for the due date Change since I am a victim of the pandemic and can not make a payment on the first of the month since XXXX my payments have been late most paid by the 5th but the first is impossible. I have been told by reps that when my payment cleared they would go into the account, change the due date and then contact me. To no avail. 
XX/XX/XXXX at XXXX I was told by a rep that even though the account is in good standing that my due date can not be changed. I was informed that due to me contacting an outside agency which is only this one ( consumer protection agency ) he informed me a letter must be sent by this agency before they can make any changes to my account stating they are no longer legally representing me. 
I was fully under the impression that this agency ( consumer protection ) was not a legal entity and can or will not give legal representation. Barclays has illegally recently answered a dispute filed by XXXX  stating that a payment for XX/XX/XXXX was 30 days plus late when the rep and my XXXX  account has confirmed that a payment was made on XXXX XXXX 4 days after the due date no where near 30, I have begged and borrowed to pay this account and have been illegally penalized in so many ways but the main issue is being penalized for contacting this agency is illegal, the phone call was made at XXXX on XX/XX/XXXX and will be subpoenaed if required, this is extremely unfair and illegal from falsely reporting to robbing me every month now since XXXX for a late fee when I been asking for a due date change that has never happened. 
This bank has gotten {$180.00} from me in late fees since XXXX. This bank has also illegally penalized me for contacting this agency and informed me that this agency must send a letter before anything can be changed on my account. This is extremely unfair and unconstitutional

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 2020-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Transworlds Systems. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against WAKEFIELD AND ASSOCIATES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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