vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I had previously been contacted by another collection agency regarding this same balance. This balance was dropped off by the company before this one because this charges were a result of malpractice. Two months later I start getting phone calls from this new company called " Aargon Agency ''. They had purchased this bad debt from the previous company but I had told them over the phone that I had spoken to the previous company and that my daughter was XXXX at this hospital which resulted on having to reach out to an outside XXXX  who XXXX my daughter without a XXXX XXXX. When I clarified that I was not liable for this charge, they told me my credit will be damaged if this was not paid to them. Here are the details regarding this claim as far as why I do not owe this balance to anyone : This bill has been disputed due to malpractice by the ER staff at XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ).  My daughter was XXXX with a XXXX to her XXXX   which could not be confirmed by any XXXX XXXX on site. Due to the incompetence of the staff on this ER, my daughter was sent home without a XXXX on her XXXX and I was referred to seek the help of a XXXX. Three days later I was seen by a XXXX under my insurance coverage who took his own XXXX and confirmed my daughter had XXXX   her XXXX but there was no XXXX  to be accounted for. 
I had filed a complaint with the XXXX XXXX XXXX XXXX California under Substandard care ( eg. XXXX ). 
This debt has been dropped off my record as of XXXX by XXXX XXXX ( XXXX XXXX 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 2019-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NJ

Complaint narrative:
Our loan was previously serviced by XXXX XXXX XXXX. I was up to date and current with my mortgage. XXXX informed me in XX/XX/2018 that they will be transferring my loan as of XX/XX/18 to TMS ( The Money Source ). However, somehow TMS received my loan information in XX/XX/2018, and I have received delinquency notices saying that I have not paid my mortgage since XXXX. 

Since XXXX we have been in contact with both TMS and XXXX MANY, MANY times trying to get this issue resolved. At one point both companies had the same mortgage listed on our credit reports ( adding up to double the amount of our mortgage ), with XXXX showing as current, and TMS showing incorrectly as delinquent. After XX/XX/18 XXXX updated their information on our credit reports to show as closed and current. TMS is still showing on my credit report incorrectly as delinquent since XXXX. I was assured by TMS that the issue would be resolved by XXXX. It is the beginning of XXXX and still not resolved. TMS is now saying they can not help me because their records show I owe them the money. I have even provided them with our bank statements showing the mortgage payments to XXXX up to XX/XX/2018, along with the letter from XXXX confirming that the mortgage was only to be transferred to TMS as of XX/XX/18. The XXXX number I always called is now disconnected. It seems that the location is XXXX, NJ is no longer open ( I searched for XXXX corporate number and I left a message ( they do not give you the option to speak to a live person ). I have not received a call back. 

Now because of the mix-up between these 2 mortgage companies and through no fault of our own, this is causing us additional financial distress, as we have a leased car which needs to be switched over to a purchase/finance, and they will not approve us due to my credit report incorrectly showing we are 6 months behind on our mortgage. They have extended our lease for another month, and if this issue is not resolved before then, we face repossession of the vehicle, which will cause more unnecessary distress and damage to our credit! We should not be penalized and suffer the consequences of the errors between these two companies.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX ; XXXX and Transunion are reporting me as 30 to 60 days late on the XXXX XXXX account number XXXX and XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the three bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

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 2019-03-12 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  ; Experian and XXXX are reporting me as 30 to 60 days late on the XXXX XXXX account number XXXX and XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the three bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

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 2019-03-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
Went to dealer to buy car coming off lease. They said to buy direct from XXXX XXXX. We were told a week to 10 days. We paid it off and provided a mileage statement. That was over three weeks. Different story every time you talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX does not offer auto pay for its XXXX XXXX XXXX, XXXX, XXXX or XXXX credit cards and it is predatory towards new mothers and other customers who have other distractions. 

I normally pay all of my credit cards on time but since having my baby in XX/XX/2018 I have been late many times on these cards- not because of payment issues but because I simply forget and you can only schedule future payments one month out manually.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-12 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: DE

Complaint narrative:
Equifax and XXXX have a XXXX XXXX XXXX ( Balance listed {$260.00} ) on my file. I have paid this account off. I have disputed it twice with these companies and they continue to leave the balance. Each time they have returned no investigative results for the disputes. 

This is a violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: U.S. BANCORP
State: OH

Complaint narrative:
Was called by ( XXXX ) XXXX with a recording asking to verify personal info, give them a phone number to my jobs HR department. The recording talked about forfeiting property and being taken to court. I called the number back twice, on the second time someone answered, knew who I was from my phone number ... .asked to verify my social and they gave my last four. I confirmed. They then proceeded to tell me that I was being sued by US Bank for trying to defraud them on XXXX  separate accounts, the separate being in the amount of {$640.00}. 

Interestingly enough I had that US Bank account reported to my credit a few months back and had settled and paid off anything in collections. I made them aware that I had paid and settled this after telling them that it was reported to my credit brought XXXX XXXX. She said that this isnt something that would have been reported on my credit. 

XXXX searches for the phone number in question turned up scam after scam. I called the original company I dealt with to settle my debt after it had been reported to the credit agencies. And now have proof that both of these accounts are settled.

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 2019-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX I called My servicer to update my address after paying off my home loan in order to collect the escrow check. 
At their direction, I submitted a form signed by me and my wife to update our address. Form noted that it can take 5 business days to update address. 

On XX/XX/XXXX my servicer mailed my escrow check to my old address. Servicer did not update my address. 

On XX/XX/XXXX my servicer told me they couldnt issue a new check for 30 days after XX/XX/XXXX due to company policy - even when it was their error in mailing the check to the wrong location. I think theyre doing this intentionally to collect interest on the funds - over {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: DE

Complaint narrative:
XXXX and Experian have a XXXX 's XXXX ( Balance listed {$260.00} ) on my file. I have paid this account off. I have disputed it twice with these companies and they continue to leave the balance. Each time they have returned no investigative results for the disputes. 

This is a violation of my rights under the Fair Credit Reporting Act.

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 2019-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I tried to use XXXX with my bank Capital One to send funds to my daughter. I entered my daughter 's email and XXXX accepted it and took money out of my account. Afterwards it realized that the email address was not registered and now it will take 3 days before the funds are transferred once the email address is registered. How about they check the email address before taking the money from my bank account? 

When I called to cancel the transfer and get my money back so I could use another transfer service they said it was not possible to cancel the wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
purchased a {$100.00} VISA GIFT CARD on XX/XX/2019 at XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX CA XXXX ( XXXX ) XXXX. When my son tried to use the card, it failed between XX/XX/XXXX and XX/XX/XXXX for an online media purchase form our home in XXXX CA XXXX the card failed. I checked via the automatic phone number on the card, and the card balance showed {$0.00}. On the VISA CARD web page, I found that the same time i purchased the card, the card was shown to be activated at a different store in a different town. The card was activated, then the entire balance withdrawn, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. I reported this to XXXX   XXXX. and to XXXX. The stores directed me to file a theft report with the local law enforcement. The local law enforcement offices could not take a report for this as this was theft via media. VISA does not have a consumer line for GIFT CARDS and are unresponsive. 

CFPB referred my case to BLACKHAWK NETWORK. BLACKHAWK NETWORK did not issue me a refund. They added another {$100.00} to the Gift Card, which as I have reported, is being used by thieves. I can not use the Gift Card. The company has just handed another {$100.00} to whoever stole access to the Gift Card. 

Please refer to CFPB case # XXXX. All attachments are relevant as this is the same case. My complaint hasn't been resolved. Also, as I reported, there was no means to communicate with BLACKHAWK NETWORK as the Gift Card access site s for VISA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-12 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: United Consumer Finance, Inc.
State: NH

Complaint narrative:
I HAVE BEEN BATTLING A WRONGFUL AMOUNT WITH XXXX XXXX XXXX XXXX. I HAD A VEHICLE THAT WAS CONSIDER A TOTAL LOSS ON XX/XX/XXXX. AT WHICH TIME THE LOAN COMPANY ALONG WITH ANY AFFILIATED PARTIES WHERE INFORMED. I AS LONG AS THE LOAN COMPANY WAITED FOR INSURANCE TO PRODUCE THEIR DECISION AN FORWARD A CHECK TO THE LOAN COMPANY. THIS CHECK WAS NOT PRODUCED TILL XX/XX/XXXX. AT WHICH TIME PRIOR TO THE CHECK BEING PRODUCE MY BALANCE WAS XXXX. AFTER A CHECK OF XXXX WAS PROCCESSED MY REMAINING BALANCE TO PAY UNITED CONSUMER FINANCE WAS XXXX. AN WHICH I OFFERED TO IMMEDIATELY PAY, FOR A REASON UNKNOWN AN NEVER DISCLOSED TO ME DURING A 10 MONTH WAITING PERIOD UNITED CONSUMER AN ITS AFFILIATES DECIDED TO REPORT NEGATIVE ON MY CREDIT REPORT AS WELL AS STATE A OWED BALANCE OF XXXX. I HAVE TRIED NUMEROUS TIMES TO CONTACT THE LOAN COMPANY AS WELL AS CREDIT BUREAU.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2019-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
can not reach custoer service phone systems are horrble.. its like they set it up so that you will not want to call back. 40 minutes to get to somebody because they are so disorganized

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 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Wilber and Associates, P.C.
State: MO

Complaint narrative:
My youngest grandson had a car accident with his XXXX XXXX XXXX pickup and was not insured so XXXX insurance company was trying to collect money they paid out to fix the other vehicle. My problem is because I had cosigned for my oldest grandsons pickup that is a XXXX XXXX XXXX XXXX insurance some how got the wrong pickup involved i guess because of their last names being the same. I don't know.. and then that got my name involved. I know XXXX was sent both vend numbers so they could get it straightened out. Since then they have turned it over to Wilber & Associates, P.C. out of IL I have spoke to them twice and explained the situation and thought i had it taken care of but since then they have called about 6 or 8 times but have only spoke to them once because they call from a number that you can not call back.I only want my name off of this debt collection since I am not involved in anyway with this vehicle. It all began XXXX I have a file number of XXXX & client claim number XXXX the last time I spoke to them the lady said that they were going to move forward with it whatever that means I am XXXX years old and do not need this harassment in my life..

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 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a XXXX account on my file ( XXXX ). I attempted to pay this debt and XXXX refused the money saying they are no longer collecting this debt. I have attached a letter to that effect. It is a violation of federal law to leave a collection balance on my file that I am unable to cure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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 am currently in the process of buying a house, and I was checking my credit report and I discovered that two companies that are effecting my credit score in a negative way. These companies are Capital One Bank ( credit card )  which I called on XX/XX/2019 and spoke to customer representative XXXX about removing the account or the negative remarks. She refused to do so because she said she can not prove that the account is mine. Afterwards, I attempted to call XXXX XXXX XXXX ( credit card ) but the number that I found which is XXXX was a scam phone number connected to a sweepstakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
On XX/XX/XXXX, a payoff check was sent to the location my normal mortgage payment is processed by my bank. The amount paid was based on the payoff feature within the WF online account process with a payoff date of XX/XX/XXXX. Apparently when a payoff is made, there is a different address that should be used which I did not realize. I contacted WF on XX/XX/XXXX as payment had not occurred to find out the status. I was told you did not follow the instructions so the check will be sent to XXXX XXXX where it should have been sent originally but that interest will still accrue on the account. I feel this practice is deceptive in that my check went to where my payments typically go and I made a good faith effort to cover interest through the date it was received by WF. I was told that because I did not follow directions I would be still accruing interest. This seems unfair and somewhat abusive practice and I wonder how many others suffer under the same regime.

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 2019-03-12 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on loans with the XXXX  XXXX - partial account number XXXX. This account reflects a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with non-monetary relief