vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NC

Complaint narrative:
Shortly after closing my purchase in XX/XX/2020 I received a notice that the mortgage was sold to TMS. I received a request in XX/XX/2020 to provide an updated copy of my home owners insurance policy to TMS. Their system incorrectly showed my insurance policy expiring in XXXX. The letter indicated if I did not provide a copy they would secure their own policy after 30 days. They indicated the policy would most likely be at a higher cost than if I provided insurance. After providing a duplicate copy of the current insurance policy they followed up with a 2nd letter indicating my policy did not clearly identify the replacement cost coverage of the policy. The letter asked that I " please ask your insurance agent to provide us with the replacement cost calculations for your home ''. The letter did not indicate if this was a requirement or what would happen if I did not provide that information. It had been 2 weeks since the original letter so for all I knew they needed this information or they would procure insurance and charge me. After a quick conversation with my insurance company it is very apparent that TMS should know that the XXXX would not be provided. Fearing the worst -- that this is a requirement I can't meet, and therefore TMS would be purchasing insurance on my behalf, I called TMS. After explaining the situation TMS told me that providing the XXXX was not a requirement and that they were just highlighting the fact that my insurance policy replacement cost is less than my current mortgage balance. They indicated I am no longer in jeopardy of having TMS procure insurance. It would appear that TMS is trying to use me to get information they don't have access to in order to shore up their liability balance sheet. At best their kind intentions are horribly worded. At worst they're using a letter that threatens me with higher cost insurance and coaxes me into providing proprietary information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
I see a credence rm derogatory mark on my credit report. I do not have this debt and have never been approached about owning this money. I have all my bills and credit lines paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Total Card, Inc.
State: GA

Complaint narrative:
Recently I submitted a credit bureau request to have XXXX XXXX  XXXX XXXXTotal Card company review my payment history with the credit bureaus, rather then review my payment history, someone in the company on XX/XX/2020, decided to update my credit report from closed in good standing to charged off. My credit card XXXX was paid off and closed on XX/XX/2020 with payments made on time before the account was closed. The account was closed in good standing and the ENTIRE balance paid off. 8 months after my account was closed in good standing, someone at the XXXX XXXX  XXXX XXXXTotal Card fraudulently and erroneously altered my account status from " closed by consumer '' with a {$0.00} balance to " charged off. '' Someone in their company fraudulently and erroneously decided to fabricate that my card was charged off and they must be held accountable which is why I am contacting you. 

When I contacted the company on XX/XX/XXXX, they transferred me to their charge off department, the charge off department could not find a case for me because they said my account was never charged off, from there they continued transferring me back and forth between customer service and charge off recovery with no resolution. 

The reason the charge off department could not locate my file is because my account was never charged off, it was paid on time and closed. But someone in their company decided to fraudulently update my credit report as a charge off I believe as retaliation for me closing my account and paying it off and they must be held accountable. They are a corrupt company and who know how much harm they have caused to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: LendingPoint Holdings LLC
State: CT

Complaint narrative:
On XX/XX/2020 I received a call from a rep from Lending Point. The representative was calling for a payment. I advised I was experiencing hardship however I could make the payment on Friday ( XX/XX/2020 ) which was the end of this week. She stated if I wait until Friday it will report negative on my report and that I had to make a payment that day which was a Monday. 

I explained to her I didn't want any negative remarks on my credit therefore I paid with my credit card. A week later XX/XX/2020 I started to get alerts from my credit monitoring company that a late payment has been reported. 

I called the company and spoke to the supervisor ( XXXX XXXX ) on XX/XX/2020 at XXXX. She stated she would review the call and call me back. 

After waiting all day and didn't get a returned call, I called the company again at XXXX and requested to speak to XXXX . 

XXXX stated she did review the call and the representative did advise me it would not report on my credit file, she stated she would educate the representative however it was nothing she could do with updating my credit profile. 

This company misadvised me, took a payment and then reported negatively on my report and refuse to do anything about it. 

I am not sure what to do or where to go from here as this is very damaging on my report. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
CAR WAS PAID OFF AND FULL WITH NO ISSUES DUE TO ACCIDENT AND I DID RECEIVEDTITLE FREE AND CLEAR

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 2020-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I refinanced a auto loan, it was never late, it's fully paid off. Now I need a document showing that's it's paid off and I am unable to get one from Bank Of America. To be clear, they are not refusing to send such a letter but the only option they agreed to is via FAX. To further clarify, I made this request in XX/XX/2020so I really have no idea where to find a fax these days. I don't have one, my employer doesn't have one etc. The paid off loan has disappeared from my online account and is literally no way for me to prove it's paid off other than buy a fax machine.

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 2020-11-13 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: IL

Complaint narrative:
CAR WAS PAID OFF AND FULL WITH NO ISSUES DUE TO ACCIDENT AND I DID RECEIVEDTITLE FREE AND CLEAR

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 2020-11-13 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: IL

Complaint narrative:
CAR WAS PAID OFF AND FULL WITH NO ISSUES DUE TO ACCIDENT AND I DID RECEIVEDTITLE FREE AND CLEAR

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: IL

Complaint narrative:
CAR WAS PAID OFF AND FULL WITH NO ISSUES DUE TO ACCIDENT AND I DID RECEIVEDTITLE FREE AND CLEAR

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 2020-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
GM Financial ( GM ) XXXX. XXXX XXXX XXXX, TX XXXX RE : Account # XXXX The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached. The abusive practices, deceptive and unfair debt collection practices by GM will not continue to violate my consumer 's rights. In pursuant to 1692 using symbol in the contents of an envelop that would signal that this is a debt collection practices. Every debt collect, original or third party all put their logos like GM in the content of the envelope is an infringement upon my consumer 's right to privacy as well as misleading representations in pursuant 15 USC 1692e and these violations needs to be address appropriately. This Affidavit of Truth has been submitted in regard to the violations committed by GM. Federal violations against a federally protected consumer. Enclosed are exhibits proving some of GM wrongdoing. In pursuant of 15 USC 1692K I submitted a remedy for each violation of the FDCPS is {$1000.00}. Affidavit of Truth, Invoice and Exhibits have been sent via certified mail with return receipt. All pertinent documents are enclosed. GM please be advised you also sent me another consumer 's account payment history. GM what should I do with the contents. Should I forward it to the consumer Ms. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
INCOMPLETE / MISSING INFO LETTER To Whom It May Concern, I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number, a missing field of monthly payment, past due amount and terms.Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: NY

Complaint narrative:
We made a reservation with XXXX XX/XX/XXXX for a trip from XX/XX/XXXX to XX/XX/XXXX We had to cancel XX/XX/XXXX due an accident that required me to have XXXX. 
We informed citibank and sent them proof of our cancellation. 
We did not use paper less banking with citibank at that time .They wrote a letter and posted it on line without informing us via email or mail. They needed more documents which we sent, apparently it was a due date posted which we where not aware of until I called and followed up with them. They now claim they cant help us because we missed the due date, even though they have all the information. The amount was XXXX cents we did receive a credit fro XXXX of XXXX dollars [ damage, security deposit ]. We have spoken and emailed XXXX and citibank multiple times. 
We have been a loyal customer with citibank for 30 years, hard to believe That this is how they treat their customers.

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 2020-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent dispute letters to XXXX, Equifax, and XXXX  on XX/XX/2020. It has been 30 days and I have not received the results of my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent dispute letters to Experian, XXXX, and XXXX  on XX/XX/2020. It has been 30 days and I have not received the results of my investigation.

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 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Over the last 6 months I have repeatedly asked Wells Fargo to turn off overdraft services on my account and every time I have they have ignored the request. These fees have started to become such a burden that it keeps making it so that by my payday I am certain to be back in the negative because of these fees that I have done everything that I can to avoid.

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 2020-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a XXXX  XXXX  from XXXX XXXX in XXXX, Maryland. I later received a statement from XXXX indicating that I owe {$0.00} to XXXX XXXX for said XXXX. XXXX paid a contracted portion to XXXX XXXX. I also received a statement from XXXX for XXXX indicating that I owe {$0.00} to XXXX XXXX for the same XXXX. XXXX XXXX  XXXX paid their contracted portion to XXXX XXXX. 

In early XXXX I started getting statements from XXXX XXXX, saying that I owed them money -- approximately {$59.00}. In response, I MAILED, in hard copy format, the two statements ( from XXXX and XXXX XXXX  XXXX XXXX stating that I owe {$0.00}. I continued to get bills from XXXX XXXX. 

I then called XXXX and explained the problem. They stated that they were going to send a letter to XXXX XXXX informing them that they are in violation of their contract. Shortly after, I received a letter from XXXX stating that I am not liable for the charges. 

I then received a letter from the collection agency, Receivables Management Systems. I immediately called and left a voicemail for a dispute resolution specialist. Days later she returned my call and said that she would call XXXX XXXX. 

Then I received another letter from the collection agency saying that I was going to be reported to the Credit Bureaus. 

I called AGAIN, spoke to a different dispute resolution person. She would not listen to me. She only believes what XXXX XXXX sent to them -- which is false and in error. 

Clearly, I owe nothing. I have PROOF that I owe nothing. 

The collection agency sent me an additional letter stating that I claimed identify theft. I never said such a thing!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: TN

Complaint narrative:
I asked Experian to investigate accounts on my credit report from US Dept of Education and Experian failed to properly investigate the information or send me validation of the information that they were provided. Experian completed the investigation within 24 hours which is a clear sign that they did not investigate what I asked them to. At this point Experian is violating the FCRA by reporting information from the US Dept of Education because Experian did not properly conduct an investigation.

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