vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One states regarding XXXX payment it is 45 days past due until today ; Ive made a payment XX/XX/XXXX for XXXX dollars also a payment on XX/XX/XXXX for XXXX dollars creditors give a grace period before reporting late payments to the credit bureaus capital one is pulling this tactic of putting a late payment on my credit score to intimidate and enforce larger payments ; I was told by capital one if I dont satisfy the minimum amount due every month late payments will continue to be reported to the credit bureaus every month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I requested a replacement card from Amex Bluebird and was told that there is {$5.00} fee. I read the terms and conditions of my card and nowhere in that contract I could find " this fee ''. The FTC or any US regulatory company governing this business should look into this sneaky tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I realized there was multiple purchase totaling in the amount of {$1700.00} ( {$370.00}, {$240.00}, {$190.00}, {$440.00} & & {$440.00} ) on XX/XX/XXXX in XXXX XXXX, PA. I never been in the state and I was worried since the amount of fraud charges were summing up to unbearably large. 
I've reported to XXXX XXXX credit card & they promised to dispute the amount. The amount still remains the same under the account ending with XXXX even after the 2 months had passed. 
Called again in XX/XX/XXXX & spoke with XXXX, Employee ID # XXXX from the Fraud Department, T. XXXX claims that I shouldn't worry about the balance still remains under the account ending with XXXX & it will take another 30 days for them to resolve an dispute. My Fraud case # XXXX, I'm very concern what will happen to my the balance that I am not responsible of & worry sick if these charges will effect any of my credit report because I seen the same exact balance on my credit report which XXXX XXXX claim that would never happen. Please help to resolve an dispute issue that I'm having.

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 2019-02-25 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: SC

Complaint narrative:
There was a credit card opened in my name through XXXX XXXX XXXX XXXX, I did not authorize anyone to do this. I have had several accounts with fraudulent use on them and have since corrected them. I have reported to all credit bureaus to remove this account from my credit report. Equifax is the only one that will not budge. On top of that I have received two credit reports that are still reporting this account and have conflicting information on them and it is killing my credit report. One version of the credit report said the card was open XX/XX/XXXX and the last payment was made XXXX/XXXX/XXXX. The other credit report says it was opened XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Re : Experian : My online attempt to place a freeze on my credit report would not process as it should through their website. My complaint about Experian is that it is virtually impossible to reach a live person there on the telephone. One is forced to enter all of their personal information via the telephone, only to be directed back to the web site or other irrelevant location. And/or, one is told to contact them by mail. It should not be legal for a company of this type to cause problems for consumers, then hide behind The Voice Mail System From XXXX. One should be able contact this company by telephone.

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 2019-02-25 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: Exeter Finance, LLC.
State: WI

Complaint narrative:
Exeter finance has my credit reporting XXXX, and XX/XX/XXXX these dates are showing 30 days and 60 days late on my credit report. XXXX and XXXX haven't properly investigated my complaint because I have attached proof and they totally disregarded the proof I sent. Some of the late remarks were in deferment and I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
The Money Source Re : extortion CRR # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX CT. XXXX Sirs, this is in response to your false allegations of arrearages and threats to file a false report to the respective credit bureau. I do not owe you the monies you claim I owe you. You have not provided any documentation to substantiate those allegations they are bare allegations. I have asked you for documentation that shows the debt you claim I Owe and as of this letter IHAVE NOT RECEIVED ANY DOCUMENTs to substantiate your claims. You promised that the documents would be forthcoming but its been more than ten days and no documents. In addition you are not applying the monies I have sent to pay my mortgage. You accuse me of being late and add to my astonishment a late fee of XXXXdollars. These are pure bully tactics that are not only unprofessional but in my view illegal. My taxes are current and the next installment are not due till XX/XX/, 2019. I  have paid my mortgage for XXXX fully. You are conflating the new tax increase with an additional installment on a debt of {$2500.00} that you claim I own without any proof. You make this allegation to justify the narrative to allege that my payment was incomplete and start foreclosure proceedings. You bought my loan from contour mortgage at which time you accepted the performance without claiming a breach had occurred I was faithfully paying them the same sum that I have been paying since the time you purchased my mortgage. I do acknowledge that my taxes have increased, and that amounts to a monthly {$64.00}. I have instructed XXXX XXXX  to include the new projection of taxes in my monthly payment but they have dismissed me as a customer because of your antics, your refusal to apply my payments and deem them insufficient. The payment on the loan is not and has not been partial as you allege. I expect that you will apply the payments to amortize the loan. In the mail I received your threat to foreclose on my property it is all a ruse to foreclose my property. Wow!! I am a senior citizen, a vet and suffer from XXXX XXXX XXXX. Needless to say that I will be praying that you stop your harassment of me and restore my standing with you or suffer the consequence of your ill-legal antics at the hand of overseeing agencies. Please inform me of the path you choose. I will only be XXXX, and availing myself of every legal recourse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit System continues to attempt to collect a debt, that I do not owe. They have not responded to the 30 day independent verification.Debt Collector National Credit Systems , Inc . 
Account Details Original Creditor : XXXX XXXX XXXX  Account # : XXXX Balance : {$3600.00} Open Date : XX/XX/XXXX Credit Bureaus XXXX : Negative Latest XXXX Report Date : XX/XX/XXXX XXXX : Disputing Latest XXXX Report Date : XX/XX/XXXX XXXX : Disputing Latest XXXX Report Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: MD

Complaint narrative:
XXXX XXXX XXXX is currently reporting that I have balance increases for all XXXX accounts although I recently received an email from the XXXX XXXX XXXX dated XX/XX/XXXX stating that my loans are in " forbearance and or in stopped collections status '' since XXXX and " will remain in that status pending further direction.. ''

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 2019-02-25 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: MD

Complaint narrative:
Dept of XXXX/XXXX is currently reporting that I have balance increases for all 17 accounts although I recently received an email from the XXXX XXXX XXXX dated XX/XX/XXXX stating that my loans are in " forbearance and or in stopped collections status '' since XXXX and " will remain in that status pending further direction.. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: MD

Complaint narrative:
Dept of ED/XXXX is currently reporting that I have balance increases for all 17 accounts although I recently received an email from the Department of Education dated XX/XX/XXXX stating that my loans are in " forbearance and or in stopped collections status '' since XXXX and " will remain in that status pending further direction.. ''

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 2019-02-25 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: Innovis
State: IL

Complaint narrative:
I am seeing a hard inquiry on my credit report that I do not recognize at all. I have no account or have not even heard about Cbcinnovis. This inquiry could stay on your report until XX/XX/2021. I believe it is an error and should be removed from my credit report. I also believe Cbcinnovis should delete any personal and confidential information they have about me on file. 

Institution Information Cbcinnovis XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am in process of purchasing house, currently under contract and was planned for closing on XX/XX/XXXX. I was estimating approximately XXXX to XXXX USD in closing amount that was supposed to be due on closing day. However, I received email on XX/XX/XXXX, XXXX and XXXX from " XXXX '' to wire transfer the amount prior to closing to allow closing process smoothly. I could not recognize it to be phishing attempt initially as I was using my cell phone to check emails and email address was named exactly same as the contact person from title company. I completed the wire with amount of {$93000.00} on XX/XX/XXXX and called my title company to confirm if they received the amount, only to figure out it was a scam. I have submitted fraud inquiry with both my bank XXXX and recipient 's bank Wells Fargo and it is under process but have not received back my funds yet. 

Upon contacting my bank XXXX, they state they have requested wire return request to Wells Fargo and we have to wait for them to return wire. Upon contacting Wells Fargo, they suggest I report to proper law agency for them to process the return of wire, which I have completed by reporting to IC3, but still have not received any reply on return of the funds.

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 2019-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I have an adjustable rate 1st mortgage with Nationstar ( AKA Mr. Cooper ). My rate is based on LIBOR plus 2.5 % margin. This can change once per year. The terms of my mortgage require the lender to give advanced written notice by delivery or 1st class mail of any any change in payment, which they failed to do. The lender raised my payment for XX/XX/2019 with no advance notice, in violation of the mortgage terms. I wrote several times to get resolved. they claimed they emailed me, which they did not, and provided no evidence of any kind of notice of a change in payment amount. Now they are delaying getting back to me saying they need to do more research. I would like this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX a vehicle that I purchased new in XXXX was towed by the City of XXXX XXXX, CA for parking tickets. My daughter was using the vehicle while in California, We live in North Carolina. 
On XX/XX/XXXX GM Financial picked up the vehicle after being contacted by the towing company. 
On XX/XX/XXXX ( Friday ) composed a letter that stated I had 10 days from the date of the notice to recover the vehicle or the vehicle would be sold in a private sale. This letter was post marked on Monday XX/XX/XXXX and I did not receive the letter until Friday XX/XX/XXXX effectively giving me less than one day to respond to the letter. 
I contacted GM Financial on XX/XX/XXXX, prior to receiving the letter because I noticed the repossession on my credit report. Prior to this I had no contact with GM Financial by any means. 
Since I initially spoke with an agent at GM Financial, I have been unable to contact anyone there via phone or messaging through their website regarding this matter. 
Furthermore, We have never missed a single payment on the vehicle loan which is now five years. We have also never allowed insurance to lapse on the vehicle though the entire loan term to date. 
A payment monthly payment was made on XX/XX/XXXX and was accepted by GM Financial but was not credited to my account and is still sowing past due along with another past due amount of {$350.00} for which I am unclear as to the nature of this past due amount since I have not received a statement for the month of XX/XX/XXXX, nor is it even available on their website when I log into my account dashboard. 
Please Help! 
Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
Diversified Consultants , Inc . 
Falsely claims a debt owed to their company from XXXX XXXX XXXX. I never subscribed to XXXX XXXX XXXX for any service.They are calling everyday and harassing me. I need help with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: AR

Complaint narrative:
I recently checked my credit report to find that this company, Capitol Accounts LLC, had placed a collections on my report in the amount of {$350.00} for a creditor named XXXX XXXX. I have no knowledge of this debt that shows it was opened on XX/XX/2018. Nor do I have any knowledge of a company called XXXX XXXX, The only thing I could find on XXXX XXXX XXXX was a law firm in XXXX.

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 2019-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I completed the repayment of my loan via monthly payments in XXXX. In XXXX, I was contacted via email that there was still a small amount due as a final payment, I paid ~ {$40.00} dollars and received a letter that my debt was repaid. 

In XXXX, Navient contacted me claiming that I owed ~ {$2100.00}. I advised them that I had repaid the loan in XXXX and sent a copy of the letter. They called me again and they could not match the account closure letter to the final payment. 

The customer service person advised me it was my responsibility to provide proof. I again sent the letter. Another contact, and " maybe this is for a different loan '', but I only had one loan. I again sent a copy of the letter to a manager via email while on the call. He acknowledged that he could see the monthly payments, and the final payment in XXXX, but there were no details in the system to confirm that I closed the account. 

The loan has now moved around to three other servicers. They contact me, I send the letter. No contact for 3 months, then another servicer contacts me. I send the letter again. Next servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called Experian today XX/XX/XXXX because I received an email stating there was an update to my file. I explained to the Representative that a tradeline had been inaccurately deleted from my by them per the representative I spoke with 3 weeks ago. The first Representative today told me my creditor had the account deleted on XX/XX/XXXX after I stated that is false information because I spoke with the creditor who stated they received a Block notification from Experian on XX/XX/XXXX. The Representative then stated it was deleted due to the address the creditor was reporting that was reported as a fraudulent address which again was incorrect because I verified the address my creditor was and is reporting. The representative then stated my creditor is reporting the trade line but they are reporting it with an old address, I then asked why is it not showing on my credit report if it is reporting, he then stated my creditor needed to call and speak to their Experian Rep at XXXX. I asked to speak to a Supervisor or Manager and was put on hold for 50 min until I stated I could hear all the representatives in the background and his call time was increasing, so it would look better if he just hung up on me and he did. When I called back and got the next representative she again stated my creditor was having my credit blocked and I explained to her I spoke to the creditor again on XX/XX/XXXX who told me they sent the proof via email to them that they sent the block notification and the sent the reinsertion form to have the trade line put back on. I asked to speak to a supervisor or manager and was told they will tell you the same thing to send a reinsertion form. I asked again to speak to the manager or supervisor and was told to hold I would be transferred to him and I was sent to the voice mail of XXXX XXXX because he did not answer the phone. I sent my letter stating the accounts were not fraud as I was instructed by the first representative 3 weeks ago and the creditor has sent a reinsertion form with proof of their mistake to them.

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 2019-02-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: KY

Complaint narrative:
There is a debt collection agency called Diversified Consultants that is claiming that I owe {$1300.00}. I do not owe this debt. XXXX took it off my report on XX/XX/2018. A month or so later, this collection appreared on my credit report again. I have disputed this account several more times. Also, I recieved a letter on XX/XX/XXXX from this debt company saying that my account was disputed and they will cease collections on the account. Can you please have all three credit bureaus take this off my report?

Company response to consumer: Closed with explanation