vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-11 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: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
XX/XX/XXXX, i opened a retail account to purchase a hot tub for {$8400.00}. After regular payments and decreasing the balance within {$5000.00}, i made a {$5000.00} payment on XX/XX/XXXX. Then was reported for 30 days late for XXXX payment. Come to find out that the XXXX payment i made for {$5000.00} was included in the XXXX billing cycle since it was made on XX/XX/XXXX. the very next day, XX/XX/XXXX started the XXXX billing cycle. 1 day difference caused a XXXX late notice on my credit report. Then there was a {$330.00} balance left on the account. I made a {$100.00} payment on XX/XX/XXXX and a {$100.00} payment on XX/XX/XXXX, Wells Fargo again reported me to the credit bureaus for late payments. Then on XX/XX/XXXX, I paid {$100.00} and XXXX XXXX {$30.00} which completely paid the account off before the XXXX due date of XX/XX/XXXX. Now i have late notices on my credit report for XXXX, XXXX, XXXX, and XX/XX/XXXX. This has dropped my score by almost XXXX points and i no longer qualify to purchase the home i just had built and i am homeless as i sold my previous house. It is not like i did not make payments, I paid off in under a year, or didnt attempt to pay the remaining balance. Most of it seems to be a timing issue of literally 1 day here and 1 day there. This has had such a horrible adverse effect!

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 2019-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company releases out SS # 's and dob without you giving them the information. They mask the telephone number with the description XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hard Inquiries on my credit report were not authorized by me and I know No knowledge of them. I believe they are fraudulent. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2019-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
We submitted a mortgage assistance packet to Rushmore mortgages for a loan modification and was denied based on my credit & says that I have insufficient income. The denial based on my credit does not specify a reason so its unknown and I have no way of defending my self on this, but the denial based on my income is incorrect I am a taxi driver so my income fluctuates every week or daily and I feel its unfair they based their decision on a lower amount instead of looking at the whole year and determining what my average income is. If they would have used my average income I could have easily qualified. It's very unfair that I may lose my home due to someones bad mathematics

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: Commercial Acceptance Company
State: PA

Complaint narrative:
On XX/XX/2018 I was very ill and needed an ambulance. I have a XXXX XXXX card which I get every year. XXXX XXXX picked me up at my home and then called for a Paramedic unit to meet them along the highway. At the time I did not know what Paramedic unit showed up but 2 paramedics got in the ambulance. I went to XXXX XXXX   XXXX in the XXXX XXXX. A few months ago I got a call from XXXX XXXX XXXX telling me I owed them money. I asked what for and they told me my insurances would not pay the bill for them showing up to go along to the Hospital. I asked how much the bill was but they said they would send me a bill but they never have. They told me my insurances would not pay them because they do not have a working contract with XXXX XXXX. I said well then you should have not showed up, I didn't call for any Paramedic unit XXXX XXXX did so let them pay the bill. You knew you had no working contract with XXXX so you want me to eat your mistake? I said I am not paying the bill. I told them I have had to go in the XXXX XXXX  but my insurances always paid for the Paramedic unit that came also, but they all work with XXXX XXXX. I think, just my own opinion, this Paramedic thing is a scheme. To this day I have not received a bill from XXXX XXXX XXXX. Then about 2 months ago I got a call from XXXX XXXX XXXX telling me they are a debt collection co. trying to collect a debt from me. I asked who the debt was for and how much was it. They told me it is for XXXX XXXX but would not say how much it was for. I told them I was not paying the bill and proceeded to tell them why and they hung up on me. About a month ago I got another call from XXXX XXXX XXXX asking me if they have the right address for me because they will be suing me and taking me to court and garnishing my wages and so on and so on. I tried again to explain why I am not paying the bill and she got very nasty and just kept repeating my address over and over. Finally I said yes that is my address. Just in the last few days this showed up on all my credit reports and that is how I found out the amount they want me to pay. It is {$420.00}. My credit took a big hit. I refuse to pay this bill for something that was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Credit Bureau Financial Services, Inc.
State: TX

Complaint narrative:
Robocall for Credit Bureau stating that they would offer a card to help reduce my debt. I pressed 1 to talk with a person. When I got someone on the line, I asked to be taken off their list and they said no. I repeatedly ( at least 5 times ) asked to be taken off and they kept saying no. When I asked why, they said they didn't know. I asked to speak to a supervisor and the person said that they were the supervisor. I asked to keep speaking and they said they were the owner of the company. I asked again to be taken off, and they said " N-O. Do you not know what that means? '' I finally told them I would report them and hung up.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-11 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: FL

Complaint narrative:
Balance owed at XX/XX/2019 of {$55.00} Made two payments on XX/XX/2019 : {$55.00} and {$1.00} ; resulting in a credit balance of {$1.00}. Interest charge on next statement of {$1.00} brought balance to {$0.00}. But issuer/merchant refused to accept that full balance owed was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
FRANKLIN COLLECTION never mail a collection letter. Also, the company place a collection trade mark to all my credit reports. Refuse to validate the trademark.

FRANKLIN COLLECTION SV Original creditor : XXXX XXXX Amount : {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2019, I conducted a balance transfer of an entire balance from Capital One to a no interest XXXX card. I was told that the processing time is 5-7 days. On XX/XX/2019, I phoned Capital One to apprise them of the transfer and ask if the account had been paid off. I was told it was not. I once again phoned on XX/XX/2019 to inquire and was told that it was not. I was told by the Capital One representatives on both days that notes would be made on my account that the payoff was going to be forthcoming. No other action was asked of me and no payment was requested or demanded. No warning of negative activity was made. 
One XX/XX/2019, the expiration of the 7th day for processing time, I received an email from XXXX letting me know that a 30 day late reporting was made by Capital One. The reporting decreased my score by 44 points. I then contacted Capital One to ask why this reporting was made without warning during the multiple conversations I had with them letting them know of earnest intentions. They responded that I should dispute it as there was nothing they could do for me. Had they warned me, I could've protected my credit history by making any payment that they needed to avoid a negative reporting. 
My accounts have always been healthy. This is the first late reporting on my credit history. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I AM SELLING MY HOME AND PHH IS THE SERVICING COMPANY. MY ESCROW OFFICER HAS TRIED ON SEVERAL MULTIPLE OCCASIONS FOR PHH TO SEND A PAYOFF. SHE HAS FAXED AND CALLED. NO HELP FROM PHH WHATSOVER. IF I  DON'T OBTAIN THE PAYOFF THEN I CAN NOT CLOSE ESCROW AND WOULD BE BREACH OF CONTRACT. PLEASE SEE ATTACHED PHH STATEMENT AND HELP ME PLEASE. ALSO, FULL DISCLOSURE, PHH HAS PRE FORECLOSURE ON MY PROPERTY AND THAT IS WHY I'M IN ESCROW TRYING TO SELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I filed a chapter XXXX my attorney sent out notices we file in XXXX iI told the XXXX XXXX XXXX and XXXX the collection agency of the bankruptcy, I gave them my attorney 's contact info. They stopped calling then they started sending mailing, again i told them they should have responded and to contact my attorney. Now i see it as a collection on my credit report. 
They need to remove it. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hard Inquiries on my credit report were not authorized by me and I know No knowledge of them. I believe they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My ex boyfriend took out a student loan and used my personal information to cosign on an education loan for Sallie Mae. He used my social security number, salary and employment information to take out the loan. The suspect had access to personal information since we lived together for 8 years. The loan was taken out around XX/XX/XXXX and XXXX to enroll in XXXX college in XXXX. The loan amount totaled around XXXX. I was unaware of this loan until I checked my credit report. I have tried several times to get in contact with the company regarding the loan. They stated that the account is valid because there was an electronic signature from two different computers on the loan ( XX/XX/XXXX conversation with Navient/Sallie Mae ). I submitted evidence to the XXXX police station that proved the loan was submitted fraudulently along with an FTC affidavit to Sallie Mae. They requested that text messages be sent to them to prove that this was not my loan. I stated that the evidence was already submitted to the police and a report was filed. Sallie Mae/Navient investigator " XXXX '' stated that they sent correspondence asking for a photocopy of my ID to verify my identity but I explained that I never received such a request. He also stated that since I didn't respond with a photocopy ID within 30 days, the investigation was closed. I have disputed this account with the three credit bureaus along with documentation that supports my claim that this is not my account. Sallie Mae refuses to remove this fraudulent account from my credit report despite receiving appropriate evidence that supports my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I ordered a cashier 's check on USAA mobile app on XX/XX/XXXX for XXXX $ and requested it be mailed to XXXX XXXX XXXX XXXX XXXX XXXX MO. USAA mailed XXXX $ check in a USPS 3 day priority envelope only insurable to XXXX $ to XXXX XXXX XXXX instead. The envelope was delivered on XX/XX/XXXX and has not been cashed yet per my inquiry today. USAA refused to admit fault! I am in horrible financial strain now due to their negligence. Tracking # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received my Bank of America Credit Card bill on XX/XX/2019. It was in the early XXXX and the account statement had already closed. I received a " XXXX XXXX '' notification of payment due. I proceeded to pay the balance in the XXXX   on XX/XX/2019 due plus additional money on the same day in the XXXX ( afternoon after the closing statement had already closed. ). Bank of America is refusing to credit that payment which was deducted from my account on XX/XX/2019 and says that I paid it too early, despite the fact that my statement had already closed and they gave me a minimum amount due, which I paid plus more. I spoke to XXXX in XXXX AZ on XX/XX/2019 and he refused to identify himself, was very argumentative and refused to give me any identifying ID other than say he was XXXX and gave no employee ID # despite my repeated requests. He told me I paid it too early despite paying it AFTER the statement closed and payment was made.

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 2019-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
Today XX/XX/XXXX I spoke to 3 different customer resolution reps and I customer service representative from Specialized Loan Servicing. I have tried several times to access my account online and even make payments of {$1000.00} which was my mortgage amount and listed on my statement and 4506T form and I've been blocked out of my account. Previously they said it was because I was behind in payments.Now they are saying its because I'm in bankruptcy. I asked them where was the paperwork from XXXX XXXX XXXX showing the details and terms of the transfer to SLS. No one was able to provide this information as I requested. I also requested the status of my modification request which they also denied sending me. SLS has continued to charge an astronomical escrow and tax amount to my account now totaling XXXX. I have to ask if they are in violation of Section 6 and10 of RESPA. When I was approved for a modification in XX/XX/2017 I was notified at the end of XXXX. I requested a forebearance until XX/XX/2017 because that's when I would begin receiving my retirement income. They insisted on continuing a late notice modification denying payments from there on out. I have appealed denial decisions and SLS still refused to allow me to bring my account current and my monthly income has been sufficient. They in turn increased my payment to {$1000.00}. I was also told previously that my payment was over {$1100.00} or so when upon the transfer from BOA.That is not true it was for {$1000.00}. I was also told by XXXX  XXXX XXXX that SLS brought the loan for {$160000.00}. Any terms they are collecting for I question because SLS knew I was in an underwater loan and continued to allowed me to fall behind in payments. The most recent time I called SLS today they took my number out of their system prompting me to reenter it. I have also asked them to supply me with the loan terms that are under XXXX XXXX and XXXX XXXX and all the representatives did was transfer me back and forth between departments barely answering my questions to provide prof they can legally collect money for a 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 2019-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
I totaled my vehicle around XX/XX/XXXX and I called Mercedes Benz to ask specifically since my car was totaled would I still be responsible for making payments and the answer was NO. The claim adjuster who was handling my claim on behalf of my insurance company was pregnant and had a sudden leave from work and I was not aware until there were issues being resolved regarding payment being made to Mercedes Benz. I alerted Mercedes to advise them that the paperwork they were submitting was not reaching the initial girl who was assisting with my claim and to send to another number. Paperwork was being held up by Mercedes and they placed two late payments on my great rating against my credit report. I have asked Mercedes to remove this deragatory rating because it truly dropped my score 100 points. I have always paid my account with them on time and they settled this claim in late XX/XX/XXXX. They also made me pay for the two months plus late fees in the amount of {$1900.00} ( plus ) I also had GAP coverage and I feel this was a double dip on my end causing me to pay substantially over what I should have not had to pay. Mercedes got over on me and I am not happy in the manner how they treated me as a customer. I purchased this vehicle from them and was financed through Mercedes Benz as well. I am asking for my money back and the two months of deragatory removal at once. 

XXXX XXXX XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I HAD {$78.00} IN MY CASH APP ACCOUNT AND SOMEONE JUST TOOK ALL THAT MONEY AND TRANSFERRED IT OUT OF MY ACCOUNT THEN THEY HAVE NO PHONE NUMBER TO CALL ONLY TEXT AND THEY ARE NOT RESPONDING TO THIS INCIDENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: FL

Complaint narrative:
There is an account from XXXX XXXX XXXX showing as charged off on my credit report that is not accurate. I contacted XXXX XXXX and they have no record of the account in question as I have a different account with them in good standing. I then contacted Transunion to dispute this information and their investigation didn't remove the item in question. I called XXXX XXXX again to, once again, verify that the account listed on my credit report was incorrect and they, once again, confirmed that my account is in good standing and that the one showing on my Transunion credit report is incorrect.

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 2019-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
sent validation letters and called all credit bureau for them to investigate, also contact this alleged junk debt collector by phone to self investigate and they threaten me if i dont pay, the guy would not answer any of my questions instead transferred me to a non working line. 
letter sent to credit bureau listed below ... and behind the letter is the companies information which has no account number etc.,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
The following inquires on my report are not mine, they are from fraudulent applications, and they need to be removed under the FCRA, inaccurate information needs to be removed from a consumers credit file. An inquiry that is fraudulent is not a " factual record '' of file access like your canned letter states. Failure to remove will result in litigation, do you want to be like XXXX? XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX . Resubmitted complaint and will keep them being resubmitted until trans union responds with the actual outcome not a canned response

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