vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TOWNEBANK
State: DC

Complaint narrative:
Hi, On XX/XX/XXXX, I made my normal monthly mortgage payment to TowneBank, on XX/XX/XXXX, I made a principal payment of {$5300.00}, on XX/XX/XXXX, Townebank transferred my loan to a new servicer without the {$5300.00} and kept it for themselves. After many phone calls, they finally sent the {$5300.00} to the new servicer on XX/XX/XXXX. Townebank refused to make the interest adjustment for the delay in applying the payment. They also refused to give me a written explanation about why they refused to make the interest adjustment.

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 2020-07-09 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: TX

Complaint narrative:
Payment made XX/XX/2019 was not correctly posted to my account, they admit the error, and they refuse to correct the issue.

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 2020-07-09 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: TX

Complaint narrative:
Payment made XX/XX/2019 was not correctly posted to my account, they admit the error, and they refuse to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: TX

Complaint narrative:
Payment made XX/XX/2019 was not correctly posted to my account, they admit the error, and they refuse to correct the issue.

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 2020-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Since the coronavirus lock-down ( XX/XX/2020 in California ), I have written 3 secured email messages from the Penfed website over the last 4 months. All received an auto-reply stating that they received the message and would reply ... however, they never replied. I tried calling the company several times ; every time I was placed on hold for over 15 minutes, with instructions to contact them via secure message,,, which, of course, never worked, since I never received a reply. Today, XX/XX/2020, I stayed on hold for around 30 minutes,,, I finally reached someone, who then placed me on hold again, presumably to wait for another agent, but that agent never arrived, and eventually I was disconnected.

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 2020-07-09 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: TX

Complaint narrative:
I have 5 collection on my Equifax report that do not belong to me. They range from $ XXXX {$510.00}. I have at least 3 disputes and they keep saying it is mine. I called XXXX XXXX XXXX ( collection agency ) and they verified it is not mine. Equifax individuals stated they can't not correct it. The last time I called I was left on hold for at least 10 minutes then they disconnected the call. This has dropped my score 56 points and I still got no help. This has been going on for almost a month. I don't know what else to do to get it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
XX/XX/XXXX entered into contract with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX   XXXX paXXXX  XXXX XXXX XXXX XXXX XXXX tx XXXX, and purchased a XXXX XXXX XXXX for {$14000.00}. 
My first payment began XXXX and payments were to be {$330.00} for 72 months @ 18 % APR, {$9500.00} I paid the car off in XX/XX/XXXX, ( 4 years and 4 months ). I was charged for 72 months for finance charges totaling {$9500.00}. 
The amount of interest paid on this loan was not adjusted due to early pay off of the loan and the interest charged should have been {$6500.00}. 
{$3000.00} in interest was over paid on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
PPP loan denied because there was an error on the account application that inaccurately showed that I was a foreight national. IAM NOT-I AM A US CITIZEN RESIDING IN THE USA. NOONE has called me back or helpd. Not my local branch manager XXXX XXXX here in XXXX. WHO CAN REMOVE THIS BLIGHT From my account at CHase under XXXX XXXX XXXX!!!!!!!!!!!! 

CHASE- DO THE RIGHT THING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XX/XX/2020 National Credit Systems , Inc . 
XXXX : XXXX XXXX, Collection Representative XXXX XXXX XXXX XXXX, GA XXXX XXXX : Account Number XXXX Dear XXXX XXXX, This is my second letter to National Credit Systems , Inc. concerning an obligation to XXXX XXXX XXXX. My previous letter was dated XX/XX/2020, and was sent to National Credit Systems , Inc. via United States Postal Service ( USPS ) certified mail with a return receipt requested. As of Thursday, XX/XX/2020, I have not received that return receipt. 

In my letter, dated XX/XX/2020, I expressed that the first written correspondence I have received concerning this obligation was the letter from National Credit Systems , Inc. dated XX/XX/2020. I specifically requested that National Credit Systems , Inc. provide verification that this obligation was factual by providing me with the following information, in accordance with the Fair Debt Collection Practices Act ( FDCA ) ( Section 1692g ) : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 

I also specifically stated that the debt should not be reported to the credit reporting agencies because I am disputing the obligation. 

Since I have not received neither the requested information nor any other written documentation from National Credit Systems Inc., I was dismayed to learn that this obligation has been reported to the credit reporting agencies since I am disputing the validity of it. Consequently, I am filing a complaint with the Consumer Financial Protection Bureau, the Federal Trade Commission, the state of Georgia Office of the Attorney General, the state of Georgia Department of Law Consumer Protection Division, the XXXX XXXX XXXX, and will be disputing the obligation with all three credit reporting agencies. 

I will reiterate that National Credit Systems , Inc. should contact me regarding this matter until the requested information is provided and the obligation verified. 

Thank you and be well. 
Sincerely, XXXX XXXX Cc : Consumer Financial Protection Bureau Federal Trade Commission State of Georgia Office of the Attorney General, Consumer Protection Division State of Georgia Department of Law, Consumer Protection Division XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
A person impersonating a police officer called my workplace, made me leave work to pay a fee for 2 citations for missing jury duty over XXXX XXXX - didn't work, then XXXX-did n't work. Then finally XXXX. They claimed that due to COVID they are taking payments via online payment only. I paid {$2500.00} to the XXXX County Sheriff 's Office via Venmo payment. Then they told me to come into the sheriff 's office down on the south side of XXXX. Gave me a phoney address. When I couldn't find the address, I called the XXXX County PD for address. Then they told me it was a scam, that address doesn't exist. They told me to call XXXX XXXX PD to file a police report ( see attached ). Then they told me to call all the credit bureaus to set up an extra security alert on my SSN. I did. Then I called my bank, a stop payment was put on the payment. I got my money back because my bank and I acted quickly. Now Venmo is threatening me with debt collection even though I was a victim of a scam. They want ME to pay the {$2500.00} instead of the person who stole it. I gave them the name and phone number to the criminal. They are still coming after me. A criminal was impersonating a police office to commit fraud. They were professional con artists and very believable. I got my money back so Venmo should now go after the people that took my money, not me ( the victim ). I emailed Venmo only, can't get through to anyone by phone due to COVID.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc.
State: AL

Complaint narrative:
I submitted a request to place a security freeze on my account on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT BUT I AM CERTAIN THAT THEY DO NOT BELONG ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-09 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: TX

Complaint narrative:
filed ftc on all the accounts listed : XXXX XXXX XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$700.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$9.00} XXXX   Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1500.00} Term -- Monthly Payment $ XXXX XXXX, XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$300.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$460.00} Highest Balance {$460.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment -- Amount Past Due {$460.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Credit Utilization*154.00 % Creditor Contact Details XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$210.00} High Balance {$210.00} Remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
Payment made XX/XX/2019 was not correctly posted to my account, they admit the error, and they refuse to correct the issue.

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 2020-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
Eastern Accounts reported two debts on my credit report which are in collections ; one for {$72.00} the other for {$100.00} original merchant XXXX. I paid the {$72.00}, not knowing if I actually owed the amount, since I was unable to receive a bill for the charges. I contact XXXX, and they were unable to confirm that I actually owed {$72.00}. Nevertheless, I paid the {$72.00} for the sake of the having this account deleted from my credit report. To my surprise, the account was updated and marked paid as agreed, but I needed the account to be deleted, which I was told that it debt would be deleted once I made the payment. I contacted EA the representative stated the debt will not deleted the account from my credit report after I made the payment. The account for {$100.00} I was told was owed for XXXX equipment, which I returned to the company over two years ago. However Eastern stated they could resolve the issue and sent a letter for this debt to be deleted from my credit report. My point, these companies could rag your credit, place debt onto your credit report without your knowledge and yet do not want to remove the collection from my credit file. I truly do not understand this process or when the company was paid and paid without any proof of owing this debt. Please HELP this process is so unfair!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: TX

Complaint narrative:
filed ftc on all the accounts listed : XXXX XXXX XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$700.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$9.00} XXXX   Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1500.00} Term -- Monthly Payment $ XXXX XXXX, XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$300.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$460.00} Highest Balance {$460.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment -- Amount Past Due {$460.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Credit Utilization*154.00 % Creditor Contact Details XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$210.00} High Balance {$210.00} Remarks

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 2020-07-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
filed ftc on all the accounts listed : XXXX XXXX  XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$700.00} Term -- Monthly Payment {$0.00} XXXX XXXX XXXX {$9.00} XXXX  Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1500.00} Term -- Monthly Payment $ XXXX XXXX, XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$300.00} Term -- Monthly Payment {$0.00} XXXX XXXX XXXX {$460.00} Highest Balance {$460.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment -- Amount Past Due {$460.00} Times XX/XX/XXXX Days Late XXXX Remarks Charged off as bad debt Canceled by credit XXXX Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Credit XXXX % Creditor Contact Details XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual XXXX {$210.00} High Balance {$210.00} Remarks

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 2020-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Happy Money, Inc.
State: OH

Complaint narrative:
Apply for a loan to payoff website and was denied tried to delete account or removed account and couldnt. Did a chat to ask to have account removed and was given XXXX about keeping my information and my account open for 25 months they used this law to say why they had to keep it open Regulation B is a regulation intended to prevent applicants from being discriminated against in any aspect of a credit transaction. Regulation B outlines the rules that lenders must adhere to when obtaining and processing credit information.XX/XX/XXXX. Come to find out that the parent company is Happy Money. You go on their web site and look up their account and no where does it state it keeps the information for 25 months. Now the reason why they keep it open is to sell or give my information and or to send me information to apply for loans and or third party company. I dont want nor do I want anything do with them or their parents company or any company that has to do with them. I just wanted my account and information removed. Now I have to deal with calls, emails text message from this people and who else that they gave out my information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FISERV FINXACT CORE
State: AL

Complaint narrative:
I requested a security freeze on XXXX XXXX and it hasn't been placed on and it has been 2 months.

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 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
This is an extension of my original complaint which has been unanswered other than they are " working on it ''. I called on XX/XX/2020 and spoke with XXXX who stated she could see what the Fay servicing mistake was. They charged my account two times for the past due tax, which the money had already been taken from my prior payments the year before, through the original mortgage company, who hadn't sent those payments to the tax collector. So Fay was charging me double for two years of tax sending my mortgage balance up if that wasn't criminal enough! They took it one step further and reported it to all the credit bureaus which then reflected as a derogatory remark making a ripple effect with my other creditors, who then started reducing our credit amounts sending my credit report plunging XXXX points. 

This month they deducted an additional {$630.00}, not approved by me from my bank account for the erroneous increase to my mortgage payment. XXXX stated ( which still needs to be clarified XXXX that the increase should only have been {$180.00}. I've called them 2 times today and was disconnected the first time then called back and was told I had to show that amount cleared my bank before they would issue a credit. Someone NEEDS to step in here and put a stop to this company. I pay my mortgage on time never late, I shouldn't have to babysit " professionals '' who have such control to ruin a person 's credit and can willingly take whatever amount of money from your account without approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was laid off in XXXX of XXXX and was trying to make sure I pay all my debts in time. Amex has shown no interest to help with the interest rate issue. Im trying to make more than the minimum due and have called multiple times starting from XX/XX/XXXX till XX/XX/XXXX to request and plead interest charges waived but they keep saying its our policy and we will not waive any fees. Ive been a customer of theirs for over a decade and during this time of crisis Im asking a little help but they were not making any effort to help me out and said to write letters to corporate.

Company response to consumer: Closed with explanation