vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I had a car loan with Ford Motor Credit from XX/XX/XXXX which I paid off in full on XX/XX/XXXX to a XXXX balance. Ford has reported in the remarks on my XXXX XXXX credit report that this account was included in bankruptcy. I have NEVER had a bankruptcy. THis account was paid in full, satisfactorily by me and there is no bankruptcy associated with me. I have been calling them since XX/XX/XXXX and still it is not corrected. I was denied for a home loan because the bank thinks I filed bankruptcy in XXXX because of this erroneous report to XXXX XXXX. This is gravely affecting me financially and I need it corrected,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Ad Astra continues to report a payday loan that I never took out. I have disputed this 6 times as it is fraud but they have continued to report it as a collection for over 6 years now. They also state that I am paying on it so they can keep it on my file longer : AD ASTRA RECOVERY SERVIC Collection Balance Decrease of {$1.00} It looks like you might be paying down this balance. Good work! Keep in mind that lowering your collections balance won't necessarily change your credit score, although resolving a collections account could help you rebuild your credit health over time.
Between XX/XX/2019 and XX/XX/2019, the balance on your AD ASTRA REC collections account decreased by {$1.00} from {$610.00} to {$610.00}.

This is completely false as I have never paid them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: CO

Complaint narrative:
I sent a modification packet via email on XX/XX/XXXX and was advised I would receive a response with in 5 days to which Selene Finance has not responded. I am very concerned due to the Foreclosure sale date that is scheduled for XX/XX/XXXX. I also have an adult XXXX son who would truly be affected if we have to relocate. I would truly appreciate a response as soon as possible before I loose what I have worked hard for over the past 13 years. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: CT

Complaint narrative:
XXXX Account XXXX XXXX XXXX XXXX - XXXX reporting agency is reporting that this account was late. This account was never later. Please have them remove late status from my XXXX credit report.

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 2019-12-04 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: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX Account # XXXX Equifax credit Agency is reporting that the account was late. This account was never late. Please have Equifax remove late status from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I opened a checking account with Citizens Bank in XXXX under the promotion code XXXX. The offer was {$220.00} bonus after receiving direct deposits for {$500.00} per month, for more than three months. The coupon was valid until XX/XX/2019 and the sales agent at XXXX XXXX XXXX XXXX XXXX branch confirmed the coupon was valid and the account had been successfully opened according to promotional terms. After three months, I called to check the status and whether all the terms of the payout has been met - and the answer was yes. I called a second time to confirm the date of the payout, and the answer was sometime in XXXX or XXXX. Today ( XX/XX/2019 ), I called for a third time and the agent said the offer had expired and that was why I had not received the payout. I informed the agent about prior calls, and she said there was no record. I believe I have been defrauded into a financial transaction and I am seeking relief from CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Bayview Loan Servicing , LLC bought my mortgage from XXXX, since after the transfer, the employees from Bayview always try to over charge me. When I called them to discuss a charge that they imposed on my account, they can not give me any answer, they try hard to get me confused so that i will not have no choice but pay the amount they ask me for. they don't know how to fix any problem. couple months ago they asked me for proof of hazard insurance. I emailed that to them since XX/XX/2019, then called to make sure the document was received. Even though after they received it, no one cares to update my file instead they sent me a bill of {$550.00} escrow shortage. they pay my taxes of {$460.00} they misused my escrow money so that they can over charge. my escrow money should not be used to pay for hazard insurance because the insurance is paid by my HOA. I sent Bayview the proof of hazard insurance, they still demand that I pay extra.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
XXXX XXXX continues to report a payday loan that I never took out. I have disputed this 6 times as it is fraud but they have continued to report it as a collection for over 6 years now. They also state that I am paying on it so they can keep it on my file longer : XXXX XXXX XXXX XXXX Collection Balance Decrease of {$1.00} It looks like you might be paying down this balance. Good work! Keep in mind that lowering your collections balance won't necessarily change your credit score, although resolving a collections account could help you rebuild your credit health over time. 
Between XX/XX/2019 and XX/XX/2019, the balance on your XXXX XXXX XXXX collections account decreased by {$1.00} from {$610.00} to {$610.00}. 

This is completely false as I have never paid them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
XX/XX/XXXX My response to Citizens Bank   enormous amount of paper work and statements and a copy of my signature dated XX/XX/XXXX. At that time of the signature this was a GOLD Account. I was told at that time that I did not have fee because this was a gold  account. I also at that time did a balance transfer because the interest rate was around 11 %. Sometime in XXXX that interest rate on the balance transfer increase dramatically, bringing me into the bank. At that time, I was told my account was change from a GOLD to a Green Account and that was the rate. I was able to lower he rate a bit. From Gold to Green account I guess that is when the XXXX was initiated with interest and fee. I will tell you I would never have signed up for a credit card with XXXX % interest rate. Secondly, I rarely bounce checks. There was a saving account with this checking account that was to cover any bounced checks. I am just learning the XXXX is for debit purchases. 
In XX/XX/XXXX Every single month at least {$12.00} plus XXXX {$8.00} interest fees comes out of the XXXX {$120.00} checking acct XXXX {$12.00} Totally {$140.00} not covered XXXX {$600.00} deposit XX/XX/XXXX {$12.00} Fee Overdraft XXXX {$20.00} overdraft XXXX {$12.00} overdraft XX/XX/XXXX {$20.00} overdraft XX/XX/XXXX XXXX interest charged I closed the account in XX/XX/XXXX because I had to change my password each time I logged into my account. When I went to the bank, they told me I had a weak userID and I had to change that. There were months when it was difficult to use my account as on line banking. 
When I closed account, I had to pay {$19.00} in fees. Not using my debit cards at least 6 times a month, which is no longer a fee. Not making a deposit every month and of course the {$12.00} + interest. 
I was told I owed {$69.00} dollars in fees. They never told me how come or showed me why I owed that and I was in a Citizen Bank  three times wondering what made up the {$69.00}. I was just told I owed it XXXX. I was not aware I signed. If I was told it would be like a credit card with XXXX % For the few overdrafts I do I would never had agreed. 
I am not paying the XXXX interest on a {$140.00} overdraft that resulted in a {$69.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I received an email saying a new bankruptcy was added to my TransUnion credit report the email was from today at XXXX I will also be contacting TransUnion about this error as I have only filed once in 2017.

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 2019-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: GA

Complaint narrative:
On or about XX/XX/2019, I received a collection notice from First Credit Services , Inc., ( FCS ) for a payment allegedly due to Fight For XXXX XXXX, XXXX XXXX XXXX  in the amount of {$650.00}. On or about XX/XX/2019, I mailed a written response to FCS responding that I disputed their alleged debt because I had never had an account with any entity named XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX. 

On XX/XX/2019, I received a notification from a credit monitoring service I subscribe to indicating that FCS, without any further communication to me nor response to my mailed correspondence, had added the above-mentioned account to my credit report as a collection. It is unlikely that FCS had the time to conduct a thorough investigation of my response and they failed to contact me with the results of their investigation of my dispute. 

After conducted my own investigation, I discovered that I had a membership to a health club named XXXX XXXX that I cancelled in XX/XX/2019. I changed banks in XX/XX/2019 and, in doing so, evaluated all my recurring expenses, including the account at this health club. Considering I had not been to the health club in nearly 12 months, I deemed this membership unnecessary. I contacted XXXX XXXX  XXXX and provided written notice as required in early XX/XX/2019. In early XX/XX/2019, I began receiving robocalls advising me my payment was past due. These robocalls provided no operational call back number, so I visited XXXX XXXX XXXX and was told that cancellations could take as long as 60 days to process. Since I cancelled this membership, I do not owe a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Right before closing my account and paying it off in FULL with a XXXX balance, Capital One, inaccurately and inappropriately reported my XX/XX/2019 payment as late. This is false and has resulted in my credit score dropping several points. 



During the six plus years as a Capital One member, my payment due date has always been the XXXX. 



As proof, Ive attached a copy of my bank statement-which clearly shows that I paid off my XX/XX/XXXXbalance in FULL on XX/XX/XXXX Yet this payment was reported late to the credit bureaus. 



This was not the case A payment must be at least 30 days ( or more ) late, to be reported to the credit agencies. XX/XX/XXXX payment was paid IN FULL prior to XX/XX/XXXX. 



My multiple pleas to Capital One have fallen on deaf ears. The frustrating task of contacting customer service and attempting to reach an individual is a fools errand. When faced with the challenge of resolving this erroneous mistake, you can literally feel their reps resort to a script and theres ZERO accountability. Its like a shell company being mechanically run, with no real overhead management to resolve issues. 


I humbly ask that you modify and remedy this error, as Ive been diligently working towards building my credit. 



Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CO

Complaint narrative:
I have been making payments toward loans that I believe qualify for the public service loan forgiveness program since 2011 through the income-based repayment plan. My loans were recently moved to fedloan servicing ( https : //myfedloan.org/ ) last year after I submitted verification of employment at not-for-profit hospitals since 2011. I have been waiting 13 months for fedloan servicing to count the number of payments that qualify for the 120 payment requirements of the PSLF program. Every time I call to discuss a time-frame on how long this will take, they keep giving me the same answer " we don't know. '' This is completely unacceptable.

If fewer than expected number of payments qualify, then I need to consider refinancing ( current interest rate is 6.75 % on a >300,000 ) and every month that passes that does not result in a count I can make an educated decision based on is another month of astronomical interest added.

I dont think this is unreasonable to ask this to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: SC

Complaint narrative:
Equifax is reporting an XXXX XXXX  # XXXX on our credit reports that one was closed and paid in XXXX of XXXX and two, is reporting twice on our credit reports! This duplicate reporting is also showing we were 60 days late within the past 12 months ( XX/XX/XXXX )! Again, we sold this home and paid off this mortgage in XX/XX/XXXX! This is now keeping us from using our VA benefits and purchasing a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
On XX/XX/2019 I was in a local music store that was offering 24 month same-as-cash loans through a company called Tower Loans : Tower Loan XXXX. XXXX XXXX XXXX, MS XXXX When my application was reviewed I was told that they weren't going to bother submitting it because Tower denies all loans to military members. I contacted their local office and was told that they're unwilling to cut the interest rate if I deploy, and when I pointed out that it was supposed to be an interest free loan they told me that it's a corporate policy and there was nothing they could do about it. 

Are they able to discriminate against me because of my military status regardless of my credit score and ability to pay back the 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 2019-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have never done business with this company, and the debt is not mine I'm a XXXX and this does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2019 I checked my credit report to come to find that I had a hard inquiry from a card that I never applied for, I called them and was directed to an automated messaging system where I put my social security number in and it pulled up an account saying that I had a credit of a certain amount of money the next day I called the company and got someone on the phone where I was told that there was no account under my social security number but it's showing on my credit report as well as when I got through the automated messaging system! I have called the company told them the problem and they told me there wasn't anything they could do about it! The hard inquiry was from XX/XX/2019, from synchrony Bank / airlines

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 2019-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I'm XXXX years old, and up to now, I've had minimal experience with banking. My parents helped open my account when I was a minor but my banking experience was limited to direct deposits and debit card transactions. 
I deposited two checks I was given through an internet transaction. The bank cleared the funds into my account for thousands of dollars, even though I only had {$30.00} in my account at the time. Shortly after, the person who gave me the check demanded a refund, so I agreed to refund his money, not knowing that the checks he gave me were fake and would ultimately bounce.

Now Huntington says I owe them {$2000.00} for the fraudulent  checks. 
Huntington did not follow reasonable practices and procedures to protect my account. I now realize that the checks were both obviously fake, but Huntington lifted the hold without reviewing the checks : 1. Both checks had a seven-digit routing number when all routing numbers must be nine.

2. One of them was a third-party check and was not endorsed at all, including the third party.

3. The check number on the top of the check did not match the one on the number line.

4. The check number on the number line was the same for both checks, even though they were written for different amounts and to different people.

Huntington lifted the hold on these checks without even looking at them. When the hold was lifted, I thought the checks had cleared. 
The person who gave me the checks demanded I refund his money. Assuming that his checks had already cleared, I refunded the money. Now Huntington says I owe them {$2000.00} and they do not want to take any responsibility for their poor processes that led to the loss of the money. 
To add insult, they are adding fees to the balance because the non-checks they cleared bounced. 

I'm a victim of bank fraud, and Huntington Bank 's lack of commercially acceptable practices failed to protect me. They should not have cleared what was obviously fraudulent documents resembling checks without any professional oversight. Further, they cleared a check written to a third party that was not endorsed, which is a banking compliance issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
Called the lender as I am the co-borrower on this loan and I have been making the payments for over 4 years. As a co-borrower I have limited options with this loan. My call today was in response to an email from the lender stating that if having difficulty making payments to contact them, the very first thing offered was " FOREBEARANCE ''  that's what took this loan from {$18000.00} to {$23000.00} courtesy of the lender and borrower acting together. As it turns out the lender will not lower the current APR roughly ( 13 % ) and the only option is to refinance this loan with another lender unfortunately the borrowers Credit Score is below 600 and he suffered a XXXX  in XX/XX/2019 and is unable to work. The lender in question is NAVIENT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo allowed someone named XXXX XXXX XXXX to open a finance account with XXXX XXXX using my ein number. This lady resides in XXXX XXXX. The only reason I was able to find out, is that I was trying to use the online banking services. Then the banker told me that there is a duplicate profile using my Ein number. With further investigation the name of the individual is above. The date I found out about this was XXXX XXXX. This means I do not know how long this individual was using my credit.

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