vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 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: OH

Complaint narrative:
In XX/XX/XXXX I noticed that a hard inquiry was processed by XXXX on my TransUnion report. I contacted XXXX on XX/XX/XXXX and notified them if fraud. They did their internal investigation sent it up the ladder and closed the account sending a request for deletion to the bureaus. In XXXX I checked back and my information still was not updated in regards to deleting the fraudulent inquiry. On XX/XX/XXXX they sent another request for deletion. All the bureaus except for TransUnion removed the fraudulent inquiry. Now a year later I am still contacting XXXX and TransUnion to have this removed. I am told I need a letter from XXXX stating the fraudulent inquiry was indeed fraudulent. XXXX tells me they can't produce such a letter. I've attempted to fill out FTC reports and mail them to TransUnion to expedite the process. The one I mailed in XX/XX/XXXX still never reached their office. I have been in hold for 12 hours with XXXX going back and forth between departments getting the run around. And TransUnion has been less than cooperative in resolving this issue staying they have no records of the request even when the other bureaus have acknowledged receipt of the request. It should be noted and tracked that another request ( the third request ) for deletion was placed in XX/XX/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 2020-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Im XX/XX/XXXX I have a payment of XXXX I forget the exact amount I had auto pay on and it must of not came out my account it is showing as it being a late payment this was totally out of my control

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: Westlake Services, LLC
State: NV

Complaint narrative:
I have a loan with WESTLAKE FINANCIAL SVC and 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, XXXX, WESTLAKE FINANCIAL SVC and 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 2020-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank is horrible! I have a mortgage with TD Bank that I have been trying to refinance but they do not give or the refinance company the requested info i.e. 12 month pymt history and the pay off letter. I have been asking for it at least 3 times by phone and through online inquiry service. I need to refinance to get my rate lower, get rid of the mortgage insurance, and get funds to get needed work done on my house. They are going to cause me to lose my low rate and miss the closing date. Please help me! This is my 2nd complaint to CFPB about TD Bank. I did get a resolution on the 1st complaint of them putting me in forbearance on my credit report without telling me and not removing it when i asked and they agreed to remove 3 times. 
In my 45 yrs of banking I have never dealt with such an incompetent and non responsive bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25 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: 1st Franklin Financial Corporation
State: SC

Complaint narrative:
I have a loan with 1ST FRANKLIN, XXXX, and XXXX 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, XXXX, XXXX, 1ST FRANKLIN, XXXX, and 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 2020-08-25 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: RFNA, LP
State: SC

Complaint narrative:
I have a loan with XXXX XXXX, XXXX, and REPUBLIC FINANCE LLC/L. 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, XXXX, XXXX, XXXX XXXX, XXXX, and REPUBLIC FINANCE LLC/L with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays Credit card. Now that I have paid my balance off I make payments right away for any charges. Since I've begun to do that they have put a hold on my payments to make sure they " can clear '' from the bank instead of applying them immediately as they always have in the past. It makes no sense at all.

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 2020-08-25 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have a loan with SYNCB/BELK. 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 SYNCB/BELK 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 2020-08-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have tried and tried and tried to pay my lease but JPM Chase 's system is either malfunctioning, flawed or deliberately preventing me from making a payment. Listen to my recent calls. Also This account was reported 30 days late in error & dropped my credit score 40pts.  causing me to be denied for a very needed SBA loan. As a result I had to close my XXXX XXXX and XXXX XXXX XXXX XXXX. My payments of {$240.00} are due on the XXXX of each month. On XX/XX/XXXX My payment of {$240.00} was declined because my bank placed a hoild on a large deposit without notifying me of any hold, therefore I closed that checking account. On XX/XX/XXXX I replaced the XX/XX/XXXX payment with a payment of {$240.00} ( notice I paid {$1.00} more to identify the payment ) This payment was successful payment of {$240.00}. Incredibly JPM Chase 's system used that payment towards the amount that was deferred due to the COVID epidemic and did NOT give me credit for my XXXX payment, which was due XX/XX/XXXX. I spoke to a representative about this and they said it was corrected. But clearly it was not. Now when I try to make a payment online JOM Chase programmed their system in a way that will not allow me to add a different checking account. I used JPM 's secure message platform to complain. The rep. advised to add a couple XXXX but that was wrong and did not work, So them I tried to pay by phone, but now their system wrongly says I owe over {$960.00} and will not ALLOW me to adjust that amount. Incredibly it only gives me 2 options. OPTION # 1. Pay that amount of {$960.00} or OPTION # 2, I do not wish to pay " THAT AMOUNT '' When I press option # 2 it hangs up on me, when I press Option # 1 it initiates a payment of {$960.00}. Now I am late and JPM Chase has ruined my credit, which I was notified because my SBA loan was denied & I was getting ready to lease another XXXX this weekend, which is desperately needed but now will be unable. 
AS a result, I have made at least 4 phone calls, spent countless hours over the phone with JPM Reps., lost my SBA loan, let go 3 employees, closed my XXXX XXXX and been incredibly stressed, At XXXX yrs of age stress is very harmful causing other negative health issues. I am sure JPM will NOT take accountability, will not in anyway compensate me for my losses.They will give a standard apology and that is it. The largest bank in the world and this is the best they can do. I am sending a copy of this complaint to XXXX XXXX through XXXX his email XXXX. I want him to know how his business is run.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: CO

Complaint narrative:
I had applied for a {$300.00} pay day loan in XXXX, XXXX with XXXX XXXX in XXXX, Colorado. I fell behind in my payment schedule and a balance was sent to Ad Astra Collection Agency in XXXX, XXXX. Although, I had made several payments, before the loan was paid off, it went to a collection agency which reported to XXXX and XXXX credit bureaus. In XXXX, XXXX, I mailed the reported amount of {$250.00} to Ad Astra, which is located in XXXX  XXXX, Missouri. I have a copy of the money order stub in my possession. I filed a dispute with XXXX and XXXX in XXXX, XXXX and in XXXX, XXXX but XXXX, notified me as a result of the dispute, that I still owe, {$100.00}, which is incorrect. I went to the website of XXXX, which I purchased the money order through and was advised to obtain a copy of the money order for a fee of {$25.00}. I think that it is unfair to me to have to pay for an additional copy of who received and cashed the money to show proof that Ad Astra is falsely reporting to the credit bureau that I have an unpaid balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
See attachments Round Point Mortgage con - pressure me under duress to signed fraudulent loan modification agreement that was connected with a fraudulent new conventional mortgage Loan that Round Point mortgage Had already taken out without my knowledge in XX/XX/14 it was refinance from a FHA mortgage loan to a Conventional mortgage loan thats where the mortgage fraud also took place along with filing a fraudulent assignment of note benefits claim.

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 2020-08-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
On XX/XX/2020 Dovenmuehle responded to our concern about which document is acceptable. They stated that according to CFPB Rules, a court appointed representative for the estate is required meaning that they would either need Letters of Administration or Letters Testamentary. Dovenmuehle further stated that the rules do not reference an Affidavit for Collection as an approved document. Please see the attached letter.

In reviewing CFPB 's website, no where could I find any reference to Letters of Administration nor Letters Testamentary. I only found this information. https : //www.consumerfinance.gov/ask-cfpb/how-do-i-get-mortgage-information-about-a-home-i-inherited-en-217/, which does not reference any court documents needed. I have also attached a screenshot. 

Here is were our confusion lies and would appreciate your help in clarifying which if any court documents are required by CFPB. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: CO

Complaint narrative:
I had applied for a {$300.00} pay day loan in XXXX, XXXX with Speedy Cash in XXXX, Colorado. I fell behind in my payment schedule and a balance was sent to XXXX XXXX XXXX XXXX in XXXX, XXXX. Although, I had made several payments, before the loan was paid off, it went to a collection agency which reported to XXXX  and XXXX  credit bureaus. In XX/XX/XXXX, I mailed the reported amount of {$250.00} to XXXX  XXXX, which is located in XXXX  XXXX, Missouri. I have a copy of the money order stub in my possession. I filed a dispute with XXXX  and XXXX  in XXXX, XXXX and in XXXX, XXXX but XXXX, notified me as a result of the dispute, that I still owe, {$100.00}, which is incorrect. I went to the website of XXXX, which I purchased the money order through and was advised to obtain a copy of the money order for a fee of {$25.00}. I think that it is unfair to me to have to pay for an additional copy of who received and cashed the money to show proof that XXXX XXXX is falsely reporting to the credit bureau that I have an unpaid balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
On XX/XX/2020, I submitted our mortgage payment on XXXX ( Colorado Housing Finance Authority/ XXXXI or XXXX the payment processor 's website. I was assured we would not be considered 30 days late as long as we submitted it by XX/XX/XXXX, and that the payment was received and applied on XX/XX/2020. In the following 5 days I called CHFA/XXXX to see why the money had not left our acct, and was told it was not a problem, it sometimes took up to 10 days to process, but not to worry, the payment was counted from the date of submission. Finally on XX/XX/XXXX, I got a notification from credit Karma that my score had dropped almost 90 pts. Upon checking I found out that CHFA/ XXXX had reported a thirty day late payment days earlier. When I called and asked them why they had done that and not told me, they said it was done because they could not get a response to get the money from our bank. When we proved we had the money, upon checking through their customer service I was asked what the routing and acct number was. The agent said their web services had given one incorrect routing number. Upon checking with XXXX XXXX, they told us it was never presented for payment, and they had not received any call to find out how to resolve or receive the payment from them. We were told at various times over the next 5 months by CHFA XXXX customer service agents that this late payment should be considered a Bank / mortgage, clerical error, and should be removed from the credit bureaus. We submitted our proof of payments to them, the receipts of payment and application of payment, and made up the payment immediately as well as the next payment due in XXXX. But though we followed all their complaint and removal procedures, they refused to remove the 30 day late, and insisted on doing this when they have no proof that we commited any error and we in turn have proof of the payments all being on time in our mortgage statement and correspondence from them, including statements saying they had received and applied the payment successfully. 
They are feeling thousands of dollars over the course if the mortgage by trapping us in their high interest mortgage and keeping us from refinancing. We have found out other clients of theirs have also been denied credit when they discovered the same type of 30 day late payment processing errors on their credit reports. They are not following the FCRA reporting law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I disputed the information with Experian and yet the information remains on my credit report even after agency involved wrote letter that I do not have an account with them. I've only disputed with Experian but have same information on other credit reports. Attaching copy of letters. My credit rating has taken a drastic hit at a time I'm trying to secure a mortgage.

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 2020-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XXXX XXXX I deposited through the XXXX XXXX, NJ PNC bank drive-through a check in the amount of {$330000.00} from XXXX XXXX  XXXX XXXX company. I endorsed the check. It was deposited into my account and showed that it cleared in my account two days later. I began paying debts with the monies and went to the XXXX XXXX, NJ branch to give them wire information to pay off my mortgage at XXXX XXXX. XXXX met me outside and told me they turned the check into their loss prevention and avoidance department because the check was not endorsed by the other name on the check which was my mortgage company XXXX XXXX. To this day, no one at PNC has helped release the monies back into my account. They are holding the money because it is now in their legal departments hands. I just lost my home in a storm, it was demolished, I can not buy another home until my mortgage at XXXX is paid off. I have two more days to pay it off, XXXX has stopped withdrawing my mortgage from my account because of the understanding its getting paid off. PNC will not release the check back to me. They have not given me a copy of the check. I have a negative balance in my checking account. I'm being charged $ XXXX day in interest from my mortgage company every day its not paid off. I am in a dire situation and PNC is giving me the runaround. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I disputed the information with XXXX  and yet the information remains on my credit report even after agency involved wrote letter that I do not have an account with them. I've only disputed with XXXX  but have same information on other credit reports. Attaching copy of letters. My credit rating has taken a drastic hit at a time I'm trying to secure a mortgage.

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 2020-08-25 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: ND

Complaint narrative:
I disputed the information with XXXX  and yet the information remains on my credit report even after agency involved wrote letter that I do not have an account with them. I've only disputed with XXXX  but have same information on other credit reports. Attaching copy of letters. My credit rating has taken a drastic hit at a time I'm trying to secure a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Bank, the issuer of my XXXX Credit Card, lowered my credit card for unjustifiable reasons, which of course had a negative effect on my credit score. I asked them to restore my limit or close the account. They refused to restore my limit, so I paid my balance in full on XX/XX/2020 and on XX/XX/2020 called and closed my account. I was assured my account had been closed. I had a XXXX   balance. This morning I received an email that I have a new statement. I logged in. My account is still open and they have charged me fees. I have since checked online and this is a recurring theme for this company that many people incur and fight for months to get their accounts closed while being charged fees they do not owe and the company reports negatively on their credit reports. I will NOT tolerate this! This company is a scam and a fraud and someone needs to correct this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation