vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: IN

Complaint narrative:
I refinanced my home mortgage at a lower interest rate and to consolidate three loans with three separate lending institutions. My new lending institution XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX IN hereafter called XXXX ) contacted the three lending institutions & obtained final payoff amounts for those loans. Payoff Cashiers Checks were sent to these institutions on XX/XX/XXXX. Two of the institutions accepted the checks and closed the loans. Ford Credit refused the check as " not signed correctly '' and returned the check to a faulty address. I received a " courtesy letter '' telling me of the event. It took 3 days for XXXX XXXX XXXX  to recover the missing check by working with USPS. Meanwhile, I received daily text messages & e-mails from Ford Credit about my overdue account, turning me over to the credit bureau, and applying late-payment interest penalties. I spent hours on the phone on numerous occasions talking to Ford Credit minions who promised to research the problem and call me back. As of today, XX/XX/2021, I have received no such replies. 
I have continued on a daily basis with ONB to resolve this issue and they are as frustrated as am I. I have volumes of exchanged information between XXXX, Ford Credit, & myself. On XX/XX/2021, after communicating with Ford Credit, XXXX sent TWO checks to Ford Credit via certified mail. One was for accrued late-payment interest of {$42.00} & the other check was for the amount of the original loan payoff quoted on XX/XX/XXXX. Ford Credit signed & received the checks on XX/XX/2021. ONB records indicate that Ford Credit deposited the {$42.00} check but have not yet handled the payoff check as of XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Transaction dates= $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX $ XXXX XXXX $ XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX These are all labeled and and sometime between XXXX XXXX I paid XXXX XXXX XXXX {$750.00} for deposit plus security and application fee again after i tried to pay by XXXX and said she cant ' accept that in her system. 
I never moved in that location and have waited for a month to try and move in but it was a process that kept requiring another payment because of their system couldn't accept a payment or kicked back payments and i ended up having to repay and the process got stretched out for too long. It could have been misleading and now there charging me a termination fee of $ XXXXThis process is very risky due to the pandemic with me going in between places and not having a solid location for protection. 
This is a very serious manner for me to relocate as this was a rental lease that was terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
At the end of XX/XX/2021, we were approved for a refinance of our existing mortgage loan. It is already thru Bank of America. The closing costs were estimated at around {$7000.00}. We disclosed that we wanted to pay all closing fees out of pocket and also that property tax is due in XXXX We were assured that there were no hidden costs and that we were okay on only having partial property tax included in the closing costs even though property tax is due in XXXX XXXX and that we would close at the end of XXXX. The closing date was scheduled for XX/XX/XXXX. We provided all financial docs to confirm we had the required amount plus funds to cover 2 months of mortgage payments. Now almost 2 months later, they changed the closing costs amount 2 times because they did not calculate it accurately and we called them on it. They tried to include some of the closing costs into the new loan amount without telling us. When we said again that we were paying all up front, they were now asking for more funds to be in the account because they wanted the full property tax for the year. And when we agreed to the new amount of {$11000.00} in closing costs, they still said they could not close us by the end of the month. Also, the loan officer said that we dont need to pay XXXX mortgage payment as we were going to close on XXXX XXXX so we did not. Thankfully we had that money on the account to make mortgage payment timely. So we decided to withdraw our application. This process was painful, long, dissatisfying and it felt like they were trying to take advantage of us and hide costs within the new loan balance.

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 2021-10-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Ive written Equifax several times of proof when XXXX XXXX was paid a {$1.00} this payment was never paid yet they said it was verified. 

Ive also requested the 1099-c XXXX XXXX XXXX filing this debt as a charge with the Irs in reference to section 61 ( a ) ( 12 ) XXXX  i also requested the 1099-c for a charge off As well i have reported the inaccuracies across all bureaus nothing is being repaired XXXX  is still showing a balance XXXX is deferred in good standing, but showing negative on XXXX and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Greetings, I would like to file a complaint against Portfolio Recovery. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 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:
I noticed that TransUnion is reporting one inaccurate negative item in my account on XXXX XXXX, two inaccurate negatives on XXXX, and one inaccurate negative on XXXX XXXX. The four negative accounts are showing that I have a chargeoff account that has a balance on it. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter

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 2021-10-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
FLAGSTAR BANK CUSTOMER Our problem was revealed to us when we attempted to make a substantial principle payment ( {$400000.00} ) to our mortgage on XX/XX/XXXX, which is a HELOC in first lien position. This loan was established in XXXX of XXXX. Though it wasn't mandatory, which decided to establish an ACH auto payment arrangement from the beginning with the bank for worry-free monthly interest payments . Throughout the life of this loan, we would routinely make significant principle payments such as {$18000.00}, or XXXX, sometimes less. Always AFTER the 1st of the month to accelerate paying down the loan. While our latest and most significant principle payment was being held in suspense, I began to look back through the year of our principle payments in the account. I noted the ACH auto interest payments which occurred as agreed on the XXXX  of each month. But later on in the month, when we would make our principle payments, the bank was taking early payments of interest and thereby systematically diminishing the affect of our principle payments. There is no escrow account. We pay all other costs, eg insurance, taxes, etc ourselves. The bank acted outside of the ACH agreement and never informed us that it would do so. I would never have made unnecessary or early interest payments to the bank knowingly. I have demanded that the bank return every payment of interest that it took outside of the ACH agreement ( those payments it took before or after the XXXX of each month ) and return that money to us by applying to the principle balance as we had intended. I have been spending long period of time on hold and speaking to dozens of unhelpful people for days now. I have gotten quite the run around. My contact person last said the bank may be willing to go back 90 days. This is unacceptable. It's theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I had account with XXXX XXXX XXXX they garnish my check inXX/XX/XXXX so now the account is paid in full. I noticed on credit report Portfolio Recovery collection opened account {$610.00} XXXX XXXX and the original creditor is XXXX XXXX XXXX. I didn't authorize XXXX XXXX to sell my information and the account is paid in full. this defamation of character I will sue they need to remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I am working with a company that pays me a regular rate plus an additional stipend amount every hour. The underwriter of the company did not want to include the stipend because they didn't understand the terminology. All other lenders and banks that I have applied for personal loans, credit cards, car loans have taken my earnings with the stipend included except this Lender Caliber Home Loans , Inc . Even, after I reached out to my corporate offices, VP, HR Manager and they wrote a letter stipulating that such earnings were taxed and part of my everyday hourly pay. They refused to do that as the additional income required for me to close this loan and purchase my first new home. At first, purchasing my new home was exciting enough that at the start it seemed to be going pretty smooth. But once this was at the hands of the underwriter it was virtually impossible to close as part of the conditions was my income. Which all of my documentation shows that my income is very well qualifying me with other lenders and I am won't have any problems closing soon with a different lending competitor. However, I do want to submit a complaint as I felt that this stressful situation was unnecessary if they would have simply taken the information pertaining to my income that is coming directly from my employer and my verification reports that were provided. I felt angry, stressed, and even ill at one point as no matter what I would send to the underwriters and executive team at Caliber Home Loans , Inc would not get past, " what is stipend ''. This was the continuing battle between the lenders and me. I wish that they help others in the future and the reason why I am submitting this complaint is to stop this type of discrimination or lack of understanding when all of the data was presented to them without any question. I am currently withdrawing from this lender Caliber Home Loans for that reason and have received approval from a competitor with no issues accepting my earnings including my STIPEND that Caliber Home Loans, Inc could not accept after all documentation showed it was part of my hourly, bi-weekly, quartile and yearly income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: LA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Ive written XXXX several times of proof when XXXX credit was paid a {$1.00} this payment was never paid yet they said it was verified. 

Ive also requested the 1099-c XXXX XXXX used filing this debt as a charge with the Irs in reference to section 61 ( a ) ( 12 ) XXXX  i also requested the 1099-c for a charge off As well i have reported the inaccuracies across all bureaus nothing is being repaired XXXX  is still showing a balance DeptdXXXX  is deferred in good standing, but showing negative on transunion and 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 2021-10-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Ive written XXXX several times of proof when XXXX XXXX  was paid a {$1.00} this payment was never paid yet they said it was verified. 

Ive also requested the 1099-c XXXX XXXX used filing this debt as a charge with the Irs in reference to section 61 ( a ) ( 12 ) XXXX  i also requested the 1099-c for a charge off As well i have reported the inaccuracies across all bureaus nothing is being repaired XXXX  is still showing a balance DeptdXXXX is deferred in good standing, but showing negative on XXXX and 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 non-monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I started a new job on XX/XX/. I ended up having emergency XXXX XXXX XXXX a couple days later. I was out of work a couple days due to the XXXX. I have received one full paycheck in 4 weeks. One main financial payment was due XX/XX/XXXX. I explained to XXXX XXXX, on XX/XX/XXXX, I could only pay {$100.00} when I got paid because all my other XXXX 's were past due also. Then he asked me when do I get paid, I told him on fridays and I'm working on getting a third job so I could get out of the financial hole I'm in. Fast forward to XX/XX/XXXX. There was an debit from One main financial that I did not authorize for {$430.00} which over drafted my checking account {$350.00}. XXXX and XXXX XXXX, branch mgr, claim that they do not have the capability to debit my account from a well account. I've made multiple payments to them from my well account, $ XXXX, not $ XXXX because I'm making a third of what I used to make. I worked as a XXXX XXXX doing XXXX for the past 5 years. 25+ years in XXXX. And I've learned one thing there is a back door to everything. It is not a coincidence that my account was debited on a friday. They may not have the rights to do it from there office, but I'm sure they called or emailed someone to set up and electronic payment from my account. Because I surely did not do it. I didnt have the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: Lending Club Corp
State: GA

Complaint narrative:
Greetings, I would like to file a complaint against Lending Club. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Greetings, I would like to file a complaint against Comenity Bank/Wayfair Cir . I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/2021. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/2021, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/2021. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: TN

Complaint narrative:
The last day of service with XXXX XXXX, XXXX, and XXXX ( XXXX ) was XX/XX/2021. I gave them a forwarding address and I received a final bill at the new address in which I paid immediately. The next time I heard about them was about XX/XX/XXXX or XXXX from a collection agency. I denied owing the debt and asked them to investigate. In the meantime I logged into my account and saw that the meter was read again on XX/XX/XXXX and another bill was there. This bill was never sent to me or I would have paid it immediately. I paid the bill then and there online. On XX/XX/XXXX I received an alert from Equifax that XXXX had placed a collection on my credit. Again, this was a bill I NEVER even received. On this same day, I received a forwarded collection notice from the collection agency ( a different company ) with a misspelled last name ( XXXX ). XXXX had my new address. I don't understand the misinformation. However, even if they would have sent to the bill to the old address the forwarding was intact. I NEVER received a bill. I called the collection agency back and they stated that they did not place the collection. They had received the collection notice from XXXX on XX/XX/2021 and according to Equifax that was the exact same day they reported the collection to them. I never had a chance to get the bill and pay it. Due to this my credit score dropped a WHOPPING 30 points in the middle of trying to buy a home. I moved from my old home and am having a new one built. I pay close attention to my credit and my bills. In the 9 years that I was at the old house I never had my lights cut off or any issues paying the bill. I feel defeated and treated unfairly. Not only was I not able to speak to XXXX they also updated the account to say " Paid Collection ''. How is it a collection if I was never notified and allowed to pay the bill??

Company response to consumer: Closed with explanation