vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company has been attempting to collect on a debt that they have been told and know is the result of identity theft. They engaged in intimidating and threatening tactics ; they filed a bogus lawsuit, cornered me into a courthouse conference room, and coerced me into agreeing to pay them or else be found in contempt of court. After all of their cunning maneuvers, summary judgment. They're using their lawyers as weapons ; I surrendered to their demand in part because I couldn't afford legal representation, until I found out that I have a powerful recourse with the CFPB. They forced me into entering a complex stipulation under duress to pay them thousand of dollars ( about {$5000.00} ), knowing that the debt was fraudulent. Now, they are harassing me for more money.

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: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
My credit report is showing fraudulent accounts from Barclays Bank Deleware attatched to addresses I have never lived at.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My citibank account has been showing that is has been pasted due for more that 6 months which is not correct. I have made payments every month on this account. When this account was closed my {$200.00} security deposit was applied to balance. For some reason my required due each month was more than 300 % what it should have been. I have added the bills and payment history to this email. Citibank stated they would not correct my credit report and stated information is correct when it is not.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Denied credit from multiple lenders with a XXXX score for me and XXXX score for my husband- even bad credit lenders- Your Experian credit score : XXXX Date : XX/XX/2020 Scores range from a low of 300 to a high of 850. 

Key factors that adversely affected your credit score : Serious delinquency Ratio of balance to limit on bank revolving or other revolving accounts is too high Too many inquiries last 12 months Length of time accounts have been established Frankly we have reviewed our report and found none of this. The information they are using is either incorrect, from another using Experian name or just not current. This has cost us severe financial impact! The loan was for debt consolidation. Hence misrepresentation- frankly the histry shows only recently were my accounts behind due to medical and family personal impacts.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RICHLAND HOLDINGS, INC.
State: CA

Complaint narrative:
We lived at the XXXX XXXX XXXX in XXXX XXXX NV. We gave notice to a employee named XXXX after we left we noticed that they reported us to multiple collection agencies when we contacted the collection they said we had skipped out which we did not. I asked for evidence to prove such and to date still refuses to fix it we gave disputes on reports comes back meeting fcra standards which I'm not sure how and they recently reported as a apartment not a hotel causing us to become homeless living in motels. Please investigate.

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: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
Company has called relatives and associates on debt not owed. Releasing personal identification information to relative such as last 4 of  ssn.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I turned in a car and picked up another leased vehicle from the same dealer. I was told the car looked great and not to worry because XXXX had a {$1000.00} 's for return customers. two month later I received 2 calls each ; from both Chase and XXXX wondering what I was going to do with my car - evidently they lost it on the lot. They salesperson took my license plate off my car and put it on the new car the day I left it. The I received a bill from Chase telling me I owed XXXX dollars for damage to the car ; wheel that were factory defects and transportation fees to an auction house. Now I get calls from XXXX XXXX a debt collection agency and my bank called me about me credit - this is my 8th lease ; I have bought three of the cars at the end ; never have I had a bill for anything ; especially one sent 3-4 months after I have been driving my new lease - what happened to my car after I dropped it off at the dealer?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I CONTACTED WELLS FARGO FOR I DIDN'T RECEIVE THE PRODUCT I PAID FOR FROM MY CHECKING ACCOUNT WELLS FARGO CREDITED ME HALF OF THE DISPUTE THEN REVERSED THE ISSUE AND MADE MA {$6400.00} NEGATIVE IN MY ACCOUNT CLOSED THE ISSUE WITHOUT MY AUTHORIZATION

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
XXXX XXXX fraudulently charged my account with $ XXXX months after it was closed. They then sold the debt to a third party company ( ENHANCED RECOVERY COMPANY ), which I discovered on my credit report. 

I'm still having trouble getting this removed from my XXXX report, even though I have sent them proof that my XXXX XXXX account was closed long before they continued billing me for their service. 

On XX/XX/XXXX I received my final ( accurate ) bill from XXXX. I paid it that day online and received confirmation that my balance was {$0.00} and my bill was paid in fill and the account was closed " Your final bill will be approximately {$0.00} '' I received another bill on XX/XX/XXXX for an additional {$20.00}. 

I disagreed with that amount, so I contacted XXXX chat support. I have the transcript from that chat where I told them to just go ahead and charge my card for the {$20.00} and to make sure my account was closed. 

At that time I was assured that the ACCOUNT WAS CLOSED. 

From XXXX Chat Reference Number : XXXX " XXXX : XXXX, rest assured that you won't get charged in future on the account as the account has been cancelled. '' Approximately 1 year later I discovered that in XXXX of XXXX a third party company ( ENHANCED RECOVERY COMPANY ) had purchased a debt for {$190.00} and added it to my credit report. 

This was the first I had ever heard of this {$190.00}. 

I went back through old emails and discovered a bill from the CANCELLED XXXX   account that was sent XX/XX/XXXX for {$190.00}. 

That was 2 months after my account was originally closed. And 1 month after the chat transcript proves that XXXX confirmed the account had been cancelled. 

I contacted all 3 credit bureaus and emailed them proof that I don't owe this money. However, it is still appearing on my XXXX report. 

Now I'm fighting to have a {$190.00} fraudulent charge from XXXX removed from credit report.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I have been trying to get LOANCARE to add escrow to my loan payment monthly. They asked me for numerous documents ( homeowner 's insurance and tax statements ) which have all been provided. It has been over two months and no one has contacted me to let me know when this will be done. I have placed many calls ( put on hold for over 15 minutes before I hung up three times and keep telling it will be done and then when I call back, they say the same thing ) and can provide documentation. It seems they have many different departments and none of them interact with one another. It has been an awful experience since my loan was bought from XXXX. I never had one problem with them. Please help!

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 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: U.S. BANCORP
State: TX

Complaint narrative:
US Bank has not assisted me with an invalid charge on my credit card. 
I initiated an online order with XXXX XXXX on XXXX. XXXX XXXX never delivered the furniture to me as promised. On XX/XX/XXXX I was told the furniture was on back order by one customer service representative but later receivednumeroustext that my order was on it's way on different dates by XXXX XXXX. 
*On XXXX XXXX I receivedan email from " XXXX XXXX XXXX '' on behalf of XXXX XXXX to confirm delivery. I declined to confirm any time frames per the email instructions. *On XX/XX/1919 I receiveda text from XXXX XXXX that my delivery was 30 minutes away. 2 hours later I receiveda text from XXXX XXXX that stated my delivery had been scheduled for XX/XX/XXXX. *On XXXX XXXX I receivedan email from " XXXX XXXXXXXX XXXX '' on behalf of XXXX XXXX XXXX confirm delivery. I declined to confirm any time frames per the email instructions. 
*On XX/XX/1919 I receivedan email from XXXX XXXX that stated the order I placed would be delivered. 
*On XXXX XXXX I receivedan email from " XXXX XXXX Delivery '' on behalf of XXXX XXXX XXXX confirm delivery. I declined to confirm any time frames per the email instructions. 
*On XX/XX/1919 I receiveda text from XXXX XXXX that my delivery was 20 minutes away. No one showed up in 30 minutes. Two guys showed up hours later with damaged furniture that I refused delivery on. *On XX/XX/1919 I receiveda text that my delivery had been scheduled for XX/XX/XXXX. *On XXXX XXXX I receivedan email from " XXXX XXXXXXXX XXXX '' on behalf of XXXX XXXX to confirm delivery. I declined to confirm any time frames per the email instructions. *On XX/XX/1919 I receiveda text that my delivery had been scheduled for XXXX XXXX.The last text that I receivedfrom XXXX XXXX was on XXXX first stating that my delivery was 15 minutes away. No one ever showed up. 
Throughout all of this I never spoke with a customer service rep again after XXXX as I was no longer interested in doing business with XXXX XXXX. I contacted US Bank in XXXX to dispute the {$960.00} total that XXXX XXXX had placed on my account. XXXX XXXX then dropped {$400.00} some odd dollars from the pending charge and charged the difference to my credit card. Later I noticed the {$400.00} dollar show back up. 
I have attempted to resolve this issue with US Bank but US Bank ( my credit card company ) says that I have received goods from XXXX XXXX via mail communication. My credit card company did not provide me with any proof of delivery. I never received anything on this order from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Account information incorrect
Company: AmerAssist A/R Solutions, Inc.
State: UT

Complaint narrative:
Amerassist AR Solution is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account is more than 7 years old but has not been deleted from credit report. Account is also closed but continues to have over 73 charge - offs which is against FTC regulations to report. 

1. XXXX XXXX XXXX {$7600.00} Paid, closed 73 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX 2. XXXX XXXX   XXXX  {$0.00} Paid, closed 16 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$1000.00} Paid, closed 60 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UHG, LLC
State: UT

Complaint narrative:
The first phone call i received from " XXXX XXXX XXXX ( they also call themselves XXXX '' was on XX/XX/XXXX. They said that if i didn't pay them {$400.00} by the end of the month they'd pursue legal action against me. They never sent written documentation within 5 days of speaking with me or purchasing the debt from where I acquired the loan from. I received another phone call on XX/XX/XXXX to my personal phone saying i needed to call them back. Then my work office received a phone call from the same person on XX/XX/XXXX and when they were sent to me they said they were going to proceed with garnishing my wages and a lien on me. I stated that they've been told to not contact me at work, and she said that she was going to contact my HR department to garnish my wages. They also threatened my husband who isn't even on the account/loan.

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 — Account status incorrect
Company: Westlake Services, LLC
State: PA

Complaint narrative:
On XX/XX/2020 I received a notification that my credit score dropped 65 points because my account is closed. My account is very well open and in good status. This is the second time Westlake financial has reported the wrong information which is affecting my credit. I called and explained to them that I'm in the process of buying a house and they keep messing my score up witch will mess me up for getting my loan for my house. They have yet to correct it.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX  is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

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 — Account information incorrect
Company: AFNI INC.
State: UT

Complaint narrative:
AFNI is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX as I was ending the XXXX financials and opening the financial files for XXXX I noticed a mistake on my existing mortgage with Dovenmuehle Mortgage Inc. The loan was originated XX/XX/XXXX with XXXX XXXX XXXX, sold prior to closing to XXXX XXXX. XXXX XXXX serviced it until XXXX, XXXX when Dovenmuehle took over the loan. For various reasons it was not detected that when Dovenmuehle took over the principal balance was increased by {$47000.00} and the interest rate was raised from 4.5 % to 4.99 %. I contacted Dovenmuehle on XX/XX/XXXX. I was placed on hold for almost an hour and then the customer representative, XXXX told me I would have to send all documents to the Research department. I requested to speak with someone who might be able to expedite the resolution to the issue which is clearly their responsibility. My request was refused. I did send all documentation. Note, Deed of Trust, XXXX XXXX 's first and last statement and Dovenmuehle 's first and last statement. I then called again on XXXX and was placed on hold for 30 minutes and spoke with another representative who asked me to resend all the documentation. I told him a had a email reply that they had received my first email. He asked me to resend which I did immediately. I did tell him if I did not receive some form of communication within 24 hours that I would be filing a formal complaint. Which brings us to this.

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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
This account is more than 7 years old but has not been deleted from credit report. Account is also closed but continues to have over XXXX charge - offs which is against FTC regulations to report. 

1. USAA SAVINGS BANK {$7600.00} Paid, closed XXXX charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX 2. XXXX XXXX   DELAWARE {$0.00} Paid, closed XXXX charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX 3. XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1000.00} Paid, closed XXXX charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation