vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
I owe an XXXX XXXX XXXX Mobile Debt and when I contacted the collection line I authorized a {$25.00} payment. They took {$120.00} out the automated system asked me if I authorized then a convenience fee of {$99.00}. I selected the option for No and they charged me an extra {$100.00} without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I have a loan with XXXX XXXX XXXX, XXXX, WELLS FARGO, XXXX  XXXX  XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting all 3 Bureaus and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WELLS FARGO CARD SER, XXXX   XXXX  XXXX  with no successful resolution. There was definitely an error on their part.

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 2020-07-25 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: PENTAGON FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I have a loan with XXXX XXXX XXXX, PENTAGON, XXXX XXXX, XXXX XXXX  XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting all 3 Bureaus and XXXX XXXX XXXX, PENTAGON FEDERAL CR UN, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2020-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing might have violated federal law by giving me a monthly payment I can not afford. I am a retired senior citizen. My only income is retirement. Specialized Loan Servicing has all my financials. Specialized Loan Servicing knows my total monthly income. Specialized Loan Servicing proposed a loan modification payment. Specialized Loan Servicing proposed a monthly payment that I clearly can not pay. After I defaulted on the first payment, Specialized Loan Servicing is trying to take away my house. Please Help!

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 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX I notice something funny in my bank account usually my payment was supposed to be XXXX a month threw XXXX XXXX  on XXXX XXXX  in XXXX calif. My payment was going smoothly when all of a sudden I saw synchrony bank went into my bank account and started to take XXXX then XXXX then XXXX then XXXX I called my bank and got them on the phone and told them I will pay them but to not go and take out what you feel like taking I did not give you permission so my bank reported fraud I had my debit card in my possession. On XXXX XXXX I was under stress synchrony bank they keep calling me every day when on XXXX I told them I will pay them what happened I got so stressed out On XXXX I blank out 1 minute from the store my purse got stollen I made a police report the police helped me all of my money was gone on XXXX I got my purse in the mail the XXXX police found it I was in tears but happy tears not only this happened the XXXX  got to me helping my XXXX mom I did not need these creditors to call me harassing me I told them what happened but they still called me and harrased me on my phone I told them quiet nothing me I am waiting for my new debit cards to come in it takes 5 to 10 days. I can not pay now all of my money is gone. But I told them on XX/XX/XXXX I will give them something. What I am here today on credit wise I keep getting alerts that the synchrony bank keep taking my points every day I was up at XXXX points all of a sudden When my purse got stollen with all of my money I am down to XXXX points this is a big jump thats fraud they can not keep taking my points away If I dont have my money I keep telling them my purse got stollen. I made payment arrangements and they still called me and harassed me 2 yrs ago I lost my father taking care of a XXXX mother the best way I can I havent greaf over my father passing I am having it hard I am stressed out where my bank help me and the police dept I want to make a fraud report they dont have the rights to take what ever money in my bank my contract says I only pay XXXX a month sometimes I pay XXXX a month

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 monetary relief
Consumer complaint received 2020-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: OR

Complaint narrative:
CMG FINANCIAL keeps returning both electronic and postal mailed payments, then reporting delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried disputing this matter online and XXXX XXXX XXXX is saying this is my debt. This account is over 7years old and they are trying to collect on something that has been paid to a company that is no longer in business

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 2020-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I purchased a XXXX XXXX XXXX  XXXX on XX/XX/XXXX from XXXX XXXX of XXXX, who was able to find me financing through Regional Acceptance Corporation, located in XXXX, NC, in the amount of {$23000.00}. I made ten monthly payments of XXXX ; therefore, in XXXX of XXXX, I contacted XXXX  XXXX XXXX to inquire about refinancing my vehicle to have the monthly payments decreased. I was denied for the refinancing and the XXXX loan specialist informed that my vehicle was purchased at an interest rate for 14.95 % and amount that was financed was {$24.00}, XXXX. He informed me that, although, I made ten monthly on-time payments for XXXX that my balance has only decreased to {$22000.00}. Unbeknownst to me, I was a victim of predatory lending and If I knew this purchased contained such conditions, I would have never agreed to such an egregious agreement. Please rectify this situation.

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 2020-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was scammed. I was given a fraudulent check by people I didnt know. My bank Wells Fargos ATM ( XX/XX/2020 ) accepted the fraudulent check and the amount was available in my teen checking account within 24 hours of me depositing it into my account. So, I took the full amount out the next day ( XX/XX/2020 ). The day after that ( XX/XX/2020 ) the check bounced and now I am negative that amount. As soon as I realized I was scammed I went to the bank and they said that because I used my account I was responsible for paying back that money. That check I deposited was for {$5500.00}. I do not have that money nor do I have the means to pay that back. The people who had given me the fraudulent check took the money I deposited. I work part-time at a XXXX XXXX I dont have that money. Please help.

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 2020-07-25 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE BEEN DENIED NEW CREDIT AND I WONT BE ABLE TO GET ANYTHING WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY 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 2020-07-25 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: CITIBANK, N.A.
State: DC

Complaint narrative:
I have a loan with SEARS/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and SEARS/CBNA with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part.

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 2020-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America shut my card off and closed my account. The funds on the account were transferred back to Arizona DES all with out anyone contacting me. When I call BOA they say o have to speak with DES, when I call DES they state I need to call BOA. Meanwhile its been since XX/XX/XXXX and no progress on getting my XXXX dollars back.

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 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-07-25 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian continues to keep fraudulent details on my account even after I filed a dispute challenging it as fraud or erroneous. 

I am a XXXX XXXX XXXX enrolled in XXXX  school since XXXX. During this period, my student loan with the US Dept of Education has been in deferment. I noticed that there are 2 delinquent payments reported for XX/XX/XXXX and XX/XX/XXXX on my credit report. I filed a dispute with Experian for these fraudulent reports yet they're still on my account. My student loan is current and has always been current ( please see attached documents ). It clearly shows that my last payment due was in XXXX for XXXX cents which has been corrected by XXXX. 

Please note : The letter from the Registrar 's Office of my school was shortened and redacted. I can provide the full unredacted letter upon request. This is a similar letter that I presented to Experian showing that my account was in deferment when I filed my dispute in XXXX. The regular monthly payment is XXXX because my loan is in deferment.

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 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The XXXX first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 non-monetary relief
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I generally ask for a credit report from each credit reporting company once each year, using the toll free number provided by the government. I last received a report from Experian in XXXX, XXXX. Since XX/XX/XXXX I have tried twice to receive another report from Experian. Instead of sending my report, I received a postcard from Experian asking for the same information I gave over the phone, plus a a copy of a government ID such as a drivers license and a copy of a utility bill, bank or insurance statement. I have never been asked for additional information before by any of the credit reporting companies. I received a copy of my XXXX  credit report in XX/XX/XXXX without supplying additional documentation. I asked for my XXXX  credit report today and I do not anticipate the problems I have had with Experian.

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 2020-07-25 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: U.S. BANCORP
State: CA

Complaint narrative:
I have a loan with US BANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX  and US BANK with no successful resolution. There was definitely an error on their part.

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 2020-07-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Based on State law this account exceeds the State of California 's Statute of Limitations. Please verify all information is correct and does not violate consumer and State law.

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 2020-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
THE APARTMENT KEPT FLOODING & WAS NOT LIVEABLE. AFTER 3 FLOODS, & DAMAGED FURNITURE, I MOVED. THE APT SHOULD PAY FOR MY FURNITURE. THEY DIDN'T ABIDE BY THE CONTRACT. I DON'T OWE MONEY FOR MOVING. IT WAS AN UNSAFE ENVIRONMENT. I HAVE SUPPORTING DOCUMENTATION IN PICTURES. IF THERE WERE A PLACE TO ATTACH THEM, I WOULD. PLEASE, CONTACT ME AT YOUR EARLIEST CONVENIENCE, IN ORDER TO REMOVE THE ACCOUNT, FROM MY CREDIT REPORTS. 

THANK YOU FOR YOUR TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC
State: CA

Complaint narrative:
I need this account to be fully verified with all original documents from the original creditor.

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 2020-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have a loan with PNC BANK. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX and XXXX  and PNC BANK with no successful resolution. XXXX XXXX and XXXX only reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: Ability Recovery Services, LLC
State: MS

Complaint narrative:
I have a loan with ABLTY RECVRY ( Original Creditor : 07 XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and ABLTY RECVRY ( Original Creditor : 07 XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.

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 2020-07-25 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have a loan with Wells Fargo Bank. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and Wells Fargo Bank with no successful resolution. XXXX  is only reporting me late. There was definitely an error on their part. I was never 30 days late last XX/XX/2015.

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