vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
On XX/XX/19 I made a payment of {$800.00}. This was above the contractual payment amount but did not bring the loan current. The mortgage company was already holding XXXX which left roughly XXXX to bring the loan to a current status. On XX/XX/19 I was notified by XXXX that the payment had been cancelled by the recipient. I called the mortgage company about sending the payment back and was advised to send {$1800.00}. I told them it would be wired XX/XX/19. On XX/XX/19 I called to verify receipt and was told the loan was active in foreclosure, that it had been placed in foreclosure XX/XX/19. 
I asked why they didnt apply my contractual payment, per CFPB guidlines under RESPA and was told they didnt have to. They have since sent back the {$1800.00} and are still holding the XXXX, but are now charging me over {$7500.00} to avoid the foreclosure when my balance is XXXX with the XXXX payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: AZ

Complaint narrative:
According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, AFNI is engaging in said violations of latter federal statutes. AFNI did not provide within 30 days of their notice of alleged debts, and furthermore do not enclose a date of when this alleged debt occurred. There is no itemized receipt that was produced within the afforded time frame of 30 days, nor any evidence that I owe any money to XXXX XXXX. I am enclosing a copy of my account with XXXX and it shows no past due balance, and this collection company is attempting to collect on a debt that does not exist. I am a customer in good standing with XXXX and do not owe any money. Thus I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
XX/XX/XXXX - I obtained a FICO XXXX  credit report. On this credit report, XXXX XXXX XXXX lists a debt in collections for the amount of {$610.00}. They claim that the original creditor is XXXX XXXX and that the debt was assigned to XXXX XXXX XXXX on XXXX XXXX, XXXX. They list an account # of xxxxxxxxxxXXXX. I have never had an account with XXXX XXXX and didn't know what to do. 

On this same day I met with a financial professional provided by the Department of Defense to assist servicemembers with their finances. This financial professional called the fraud department at XXXX XXXX with me. The fraud department searched for any unpaid debt under both my name and social security number and found no evidence that I have ever had an account with XXXX XXXX. Since there is no record that I have ever had an account with XXXX XXXX, I do not owe them any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MN

Complaint narrative:
I was told by 2 separate sales people I could get {$1700.00} Cash Bonus on a new leased vehicle that could be used to take care of any negative equity. That was the only reason I went in. Because I knew I was upside down. I like the vehicle, but the salesman said if I wanted to save even more money I should look at the Hybrid Model. I was all for saving money. But he never told me that vehicle didn't qualify for the Cash Bonus, or that XXXX XXXX rolled in {$2100.00} of negative equity. I never would of bought the vehicle. 

Federal Law https : //www.consumer.ftc.govXXXX Requires that before you sign to finance the purchase of a car, the dealer must give you certain disclosures about the cost of the credit. That was never done. I feel they did the bate and switch. I have been working with the Attorney Generals Office, and they suggested I also file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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:
The last XXXX hard inquiries are Unauthorized Credit Inquiry Identity theft Police Report # XXXX Last attempt before lawsuit. 

Dear Sir / Madam I recently obtained a copy of my credit report from Equifax, XXXX, andXXXX. It indicated that XXXX credit inquiry was made! 
However, these inquiries were not authorized and I was victim of Identity Theft Therefore, I am writing to dispute the last XXXX inquiries and have it removed from my credit report IMMEDIATELY, the police department has done the investigation. 

Please have these inquiries removed from my credit report. 

Please forward any documentation that you may have in regards to the removal of these credit inquiries. 



Thank you for your prompt assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One was in full on XX/XX/2019 in the amount of XXXX and my balance was {$0.00} and they are reporting on my credit report that I still have a balance. I called and spoke with a representative by name of XXXX and also a supervisor by name of XXXX on XX/XX/2019 and she stated that I had a balance of {$6.00} and I was aware of this because I used the card a few days ago, but they still not reporting the correct amount to the credit bureau just would like for my report to updated to reflect what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, XXXX XXXX XXXX is engaging in said violations of latter federal statutes. XXXX XXXX XXXX  did not provide within 30 days of their notice of alleged debts that alleged occurred on XX/XX/2016. There is no itemized receipt that was produced within the afforded time frame of 30 days, nor any evidence that I owe any money to XXXX XXXX XXXX. Thus I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, I wanted to use my Best Buy credit card on XX/XX/2018 at the Best Buy in XXXX, NY when purchasing a television as I was told I would received a certain discount. However, when I tried to use it they said it had already expired and I need to renew the card. I agreed and for this they called a girl who gave me a form to fill. I did that, and they said that this would be a new card so I would get a 10 % discount. I was more than happy. I had to wait for about an hour to receive approval after which they charged the television on that account. I had that delivered to my house later that week and have payed off the amount. But, in XX/XX/XXXX when I went to make the remaining payment I noticed I was charged for something I did not purchase and it was done in XXXX, NY. I have not purchased it and it was definitely not me as I did not even have the credit card in my possession. I did not receive the card. I called the customer service but they were not helpful. I went to the store in XXXX and spoke with a representative there, letting them know that if someone were to purchase such a big amount, they should have checked the identification for confirmation. The amount I was charged for was {$3000.00}, and the bill i received recently has an additional charge of {$1200.00}. The rep said they would investigate the charges, and I would receive a new credit card later which I did. But after all this time, I just received a letter saying they have completed the investigation and I am responsible for the amount due! 
I fail to understand why I should be paying for something I never purchased. Did the cashier check to see if the credit card was mine? I did not even receive the card when the purchase was made. Please let me know how I can go about this. I am unemployed, and have no reason to purchase something I can not afford. These purchases were not made by me and I have let the company know but they still hold me responsible for the charges. Please help. Thank you.

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 2019-03-21 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Good Morning. 
The issue was with Fifth Third Bank. I had a balance for {$4.00} and did not pay for two consecutive months. They reported me to the Credit Bureau what affected my score considerably. 
I called customer service because even when I'm not enrolled on paperless statements, I never received an Statement over the mail. I was wondering I had the autopayment choice saved with them. Online they have a tab with Alerts and Messages. Both inbox are empty. I never received an email or notification about these late payments. Usually banks call their customers when this happens. I never received a courtesy call from them. I asked why I never received any notification and the responses were ridiculous. I was reading the reviews of this bank online and they use to abuse with customers and this case is similar to many others. 
I really would like this bank to stop abusing customers, this is not the way Bank acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have 3 credit cards w CapitalOne. All three were set up on auto pay. One had a XXXX balance for over 6mos and apparently was removed from auto pay due to inactive status ( that is what I was told by customer service ) I called when I happened to find out I had delinquency reported on my credit report! I was told if I could pay the balance which stemmed from a {$59.00} annual fee that I didn't realize had been assessed, that the interest and late fees would be refunded. I also inquired about the delinquency on my credit report and was told if I could pay the {$59.00} in full and bring the account up to date, the late payments would be reversed and CapitalOne would notify the credit bureaus. It has not happened yet, I called back to check the status of the reversal of late payment reporting since I was not made aware of the removal of auto pay and was told Capital one would not do that. I was misled in order to make the payment. Quite deceptive and unfair of them to report me delinquent when I was not aware of the removal of auto pay. As I mentioned, I have 3 accounts w CapitalOne. The other two get paid automatically monthly with no delinquency, so I believed my third account was ok. Plus I didn't receive calls!! I only learned about it from my credit monitoring service! Please help me get the late payments reported on my credit file removed! This is an example of unfair, deceptive, AND abusive acts and practices by CapitalOne to try to get me to pay ... which I would have paid anyway! I have larger balances that I pay on time with them. Why would I skip out on {$59.00}?!!? Hurting my credit score unfairly!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Icsystem.com created a fake transaction about a bad check when I never tried to send them any payment ever They also are trying to charge a late fee likely due to the fraudulent fake check that they made up

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 2019-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
My loan to value is less than 80 % and I requested to have my principle mortgage insurance cancelled. My loan servicing company, Freedom Mortgage, said they do not have the authority to cancel the PMI and it's the responsibility of the investor. I contacted the investor, XXXX, and they told me its the responsibility of the servicing company. 
These conversations happened today on XX/XX/2019 with both XXXX and Freedom Mortgage. 
I would like to file a complaint towards Freedom Mortgage for providing false information to me and neglecting their loan obligations.

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 2019-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Netspend Corporation
State: GA

Complaint narrative:
I have been a devoted customer of NetSpend Corp card services since 2006. Throughout my years of being a loyal customer I have experienced overdraft charges to my account and from their advertising there should not be any overdraft charges. I have been charged for fees and other false overdraft fees. There were cards sent to me without my consent that I had not requested. 
As a result I have experienced numerous charges accrued. My finances have been unsafe and left for vulnerability as a target for identify theft. I have been decieved for many years from the false advertisement and had not met their promised protection of monitoring my accounts resulting in loss of monetary assets. I have numerous times been delayed access to my funds that I have worked hard for. From being a loyal customer to not being provided the promised protection I feel NetSpend has lost my loyalty due to the lack of delivery and no proper way of informing their customers of changes.

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 2019-03-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
While in bankruptcy have attempted a Loan Modification. This process has been going on for approximately three ( 3 ) years. I have continually sent documents as requested, completed tons of paperwork only to be told this has not been received. I have email receipts as well as fax receipts tons of paperwork I completed, etc. I did not send any payments while in bankruptcy as I was attempting to modify loan. I can not get anywhere with this company except excuse after excuse which are clear falsehoods. I am a business woman who is very organized and have access to computer, email, fax, scanners, etc. which enables be to complete these modification documents, timely and efficiently and with receipts. 

My belief is this company 's only interest is to profit off of my hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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:
The last 23 hard inquiries are Unauthorized Credit Inquiry Identity theft Police Report # XXXX Last attempt before lawsuit. 

Dear Sir / Madam I recently obtained a copy of my credit report from XXXX, XXXX, andTransUnion. It indicated that 25 credit inquiry was made! 
However, these inquiries were not authorized and I was victim of Identity Theft Therefore, I am writing to dispute the last 23 inquiries and have it removed from my credit report IMMEDIATELY, the police department has done the investigation. 

Please have these inquiries removed from my credit report. 

Please forward any documentation that you may have in regards to the removal of these credit inquiries. 



Thank you for your prompt assistance. 

Sincerely, 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 2019-03-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The last 23 hard inquiries are Unauthorized Credit Inquiry Identity theft Police Report # XXXX Last attempt before lawsuit. 

Dear Sir / Madam I recently obtained a copy of my credit report from XXXX, Experian, andXXXX. It indicated that 25 credit inquiry was made! 
However, these inquiries were not authorized and I was victim of Identity Theft Therefore, I am writing to dispute the last 23 inquiries and have it removed from my credit report IMMEDIATELY, the police department has done the investigation. 

Please have these inquiries removed from my credit report. 

Please forward any documentation that you may have in regards to the removal of these credit inquiries. 



Thank you for your prompt assistance. 

Sincerely, 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 2019-03-21 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: CA

Complaint narrative:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent Acounts to my credit file. As a result, I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : XXXX XXXX XXXX  XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Balance {$120.00}, Original Creditor XXXX XXXX XXXX XXXX  
XXXX XXXX XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, Balance {$1300.00}, Original Creditor XXXX XXXX  XXXX XXXX XXXX ACC # XXXX, Balance {$1400.00}, Date Opened XX/XX/XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.

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 2019-03-21 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I sent investigation requests to the credit bureau back in XXXX. They were supposed to sent the results within 30 days, but I have not received responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
XXXX created a fake transaction about a bad check when I never tried to send them any payment ever They also are trying to charge a late fee likely due to the fraudulent fake check that they made up

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 2019-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: GA

Complaint narrative:
I pulled my credit report. I saw I had a collection from R.S. Clark and Associates. I sent a debt validation letter in XXXX asking them to see the contract as this debt was not mine. I asked the company to remove this from my credit report. I have called them several times and they are still " working on it ''.

Company response to consumer: Closed with explanation