vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Caine and Weber reports on my credit report that I owe XXXX dollars whicjywas paid to XXXX XXXX. I have current insurance with XXXX and also a XXXX dollar XXXX policy. If I did owe that I wouldnt have insurance with them common sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: EQUIFAX, INC.
State: MA

Complaint narrative:
How can you say that this student loan was verified accurately? It's impossible! This student loan continues to report incorrect, incomplete & unverifiable data. I rather not wasting each other 's time and want this removed from my credit report. I believe there were some student loan servicers that were sued by Cfpb because they had failed to applied the payment correctly into the client 's account. I believe one of them was XXXX. 

Again, hows it possible that youve reported me 90 days late with no late payments prior to that? I was never late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
They keep calling me harassing me, calling both of my phone numbers and I told them several times to stop calling me and they still continue to call, they sometimes call and say nothing or call me blocked.

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 2020-08-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I requested for a new card from EPPICcard, after a fraudulent purchase was charged to my debit card in XX/XX/2020. I Immediately was able to contact the company that made the charge and my funds, {$85.00} was returned that week. However, I did not receive a new card from EPPICCard until the XXXX of XXXX. During this period of four months, 5 deposits were made from the Child support office. they are as follows. {$40.00}, {$200.00}, {$1100.00}, {$200.00}, {$200.00} plus the previous balance of {$85.00}, tolling {$1900.00} as my new balance. when I received the new card from EPPICCard, i only had a balance of XXXX. I discovered that {$480.00} is missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
How can you say that this student loan was verified accurately? It's impossible! This student loan continues to report incorrect, incomplete & unverifiable data. I rather not wasting each other 's time and want this removed from my credit report. I believe there were some student loan servicers that were sued by Cfpb because they had failed to applied the payment correctly into the client 's account. I believe one of them was XXXX. 

Again, hows it possible that youve reported me 90 days late with no late payments prior to that? I was never late on this account.

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 2020-08-29 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: MA

Complaint narrative:
How can you say that this student loan was verified accurately? It's impossible! This student loan continues to report incorrect, incomplete & unverifiable data. I rather not wasting each other 's time and want this removed from my credit report. I believe there were some student loan servicers that were sued by Cfpb because they had failed to applied the payment correctly into the client 's account. I believe one of them was XXXX. 

Again, hows it possible that youve reported me 90 days late with no late payments prior to that? I was never late on this account.

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 2020-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my current AUto loan with Wellsfargo on XX/XX/2020 during a global pandemic. How is it possible that you still mark your clients late during the toughest time in the world? Anyways, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my current student loan. I disputed these student loans account with both Nelnet and to all the 3 credit bureaus and i was shocked to them on my credit report today. It continues to report incomplete, and unverifiable information. I also read here in cfpb that student loan companies were sued for not applying for the payment correct into the student loan accounts. Also hows it possible that youve reported me 90 days late with no late payments prior to that?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The mortgage servicer failed to foreclose on an abandoned property in a timely manner. This caused negative impacts to the XXXX XXXX ( XXXX ) and its residents in several ways : - Delinquent assessments and collection fees. XXXX assessments have not been paid since XX/XX/2019. Delinquent assessments currently exceed {$2000.00} and continue to accumulate. The home has degenerated into a poor condition with associated loss of value so the XXXX does not expect to recover these assessments when foreclosure eventually occurs. These costs will ultimately be paid by the XXXX and its members. 
- Security issues. After the property was abandoned, it became a magnet for squatters who broke windows, stole parts of it, and aggravated surrounding neighbors. The XXXX expended resources to board up the doors and windows to discourage squatters. These costs will ultimately be paid by the XXXX and its members. 
- Property maintenance. To reduce blight, the XXXX continues to expend resources to mow weeds in the front yard. The XXXX is now considering considering turning the water back on so it can restore the front lawn. These costs will ultimately be paid by the XXXX and its members. 
- Reduced property values in the neighborhood. The abandoned home is an eyesore and a security risk and we believe it has reduced the value of nearby properties. This is difficult to quantify, but the home next door was recently on the market for sale several months longer than expected. 

The XXXX asked the mortgage servicer to help in this matter but without success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I never froze my credit ever and my job just tried to pull my report and was told the reason was because my credit was froze when it was not. They did it intentionally and I need immediate assistance

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 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
1 ) XXXX XXXX has two inquiries in my file that they need to remove. I have never applied for any credit from them. The inquiry appeared for XX/XX/XXXX and another for XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX XXXX ) XXXX XXXX has two inquires in my file that they need to remove. I have never applied for any credit from them. The inquiry appeared in XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX 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 2020-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing in AGAIN about this account not showing up on my TransUnion credit profile! This month makes 90 days since it started reporting. It has successfully reported every month to the other credit bureaus but still does not show up on my TransUnion. I have gone back and forth between Transunion and XXXX XXXX and I cant seem to get anything resolved. I was added as an authorized user on my grandmothers ( XXXX XXXX XXXX ) XXXX XXXX Credit card back In XX/XX/2020. Like I said previously its reporting to XXXX and XXXX   but not Transunion. I have called Transunion many times and was told I had what was called a split credit profile and the agent had to put a ticket in to merge the two files. She said that was probably why its not on my credit report. This was back in XXXX/XXXX time frame and she told me to wait till its fixed to check back and see if its son there. This account reports the XXXX/XXXX of every month to the credit bureaus. At the end of XXXX, it still wasnt on there. I called Transunion again and spoke to A supervisor. He said that sometimes it can take up 90 days and to check back at the end of XXXX. Its now the end of XXXX and its been updated once again on the other reports. I reached back out and spoke to the VP of card services at XXXX XXXX and he assured me that they are reporting to every credit bureau this account and he even sent a letter confirming it. He said each credit bureau has to list the accounts they send over! At this point this is an issue on TransUnion and they are failing to do their job. This is my credit report and stuff need to be reported accurately. Please see attached documents and I need to know whats going on here! Is this account floating out in space somewhere? I do not want to call Transunion again because the agents are so rude and they arent even in the united states and never seem to care about my concerns or try to help me. 

I want this issue fixed ASAP its been long enough.

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 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
Mercantile Adjustment Bureau has reported a collection account to my consumer credit file.I do not owe this alleged debt! Mercantile Adjustment HAS NOT SENT any written notice of collection to me at all. This is a strong violation of the FDCPA! If Mercantile Adjustment Bureauhas the right to collect in accordance with the FDCPA I am asking for validation of this account. This includes ALL  CONTRACTUALDOCUMENTS stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt in question in which Mercantile Adjustment has reported to my consumer credit file. Mercantile Adjustment has no legal right to attempt to collect a debt as this does not belong to me. Again Mercantile Adjustment has not validated this debt nor sent me any  notice of collection

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I sold the car leased from XXXX to third party, XXXX on XX/XX/20. XXXX delivered the lease payoff amount of XXXX on XX/XX/20 ( XXXX tracking # XXXX ) at XXXX XXXX XXXX, XXXX. 
c/o Lockbox # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. The check was cleared on XX/XX/20. However, my lease account has not been credited and paid off. 

I called Acura Financial services on XX/XX/20 and was told that the payment was applied to the wrong account. It would take 48 hours to resolve it. I called back on XX/XX/20 and found out that it would take four business days to resolve it. As of XX/XX/20, this has not been resolved. It takes a lot of time to get a hold of customer service rep and my payment needs to be backdated to XX/XX/20 and refund my overpayment. I made one payment due on XX/XX/20 to avoid negative credit reporting. Please resolve this issue as soon as possible. My Acura lease billing statement is attached for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX I received a phone call from a Chase Bank branch in California saying that it looked like my bank account had been compromised. I called Chase Fraud to see what was going on. When I looked at my bank account all of my money was gone, It was over {$10000.00}. I am located in Michigan and someone in California was writing withdraw slips and taking around {$1000.00} at a time. They started stealing the money on XX/XX/XXXX. The first person I talked to at Chase fraud said he made the claim. When I called back one week  later I found out that I needed to fill out a fraud packet. I worked with someone from Chase on the phone for 3 hours who helped me fill out fraud packet exactly correct. The banker told me to go into Chase bank and have them fax the packet and then wait 10 business days. I waited the 10 business days and didn't hear anything. I called back and found out they didn't receive my fraud packet. I spoke with a manager who  had me email her the fraud packet. I waited on the phone for her to receive it. She said she received it and would expedite everything and I would have an answer in 3 days. Chase froze and closed my account so she said I would get a check mailed in the mail and would receive it in 15 days. I called back to find out the results and the banker told me that they approved the claim and I will be receiving a check. I waited over 15 days and called back because I did not receive a check. When I called back they said they are still investigating and I need to wait 60-90 days. Every single time I call they tell me something different. Every single time I call it takes over an hour to talk to someone. Almost every single time I call I get disconnected and have to start the whole process over because they are not able to call me back. I have no idea where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: GA

Complaint narrative:
My Transunion and XXXX accounts currently contain false reports of inquiries on my credit report that is hurting my score and and hurting my opportunity to acquire more credit.

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 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I have disputed information on my credit report. I have proof that numerous items are not valid, have incorrect information, are showing incorrectly, that are being reported incorrectly, the debt is not legal or valid, previously disputed items that have been acknowledged as removed by the bureau is still reporting on my account. 

The agencies refuse to remove properly disputed information that had been proven as not legal or valid.

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 2020-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
We made a normal payment as well as a principal reduction payment. The total was XXXX. XXXX or so was to go to the normal XXXX payment and the remainder was to go to principal reduction. Instead they put the remainder to the XXXX payment and only a few thousand to principal reduction. This cancelled a lot of the principal that we were trying to pay down as well as insuring that we paid way more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: GA

Complaint narrative:
My XXXX and Experian accounts currently contain false reports of inquiries on my credit report that is hurting my score and and hurting my opportunity to acquire more credit.

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 2020-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Personal Loan from Marcus by Goldman Sachs paid off with XXXX Credit Card online transaction. Paid from XXXX site to Marcus on XX/XX/XXXX with quote from that day from XXXX, {$2900.00}. Marcus continued to bill after pay off. Claimed not paid. XXXX ticket on missing e-pay filed XXXX. XXXX says pay off accepted electronically on XX/XX/XXXX. Marcus continues to bill me. Recent request is interest only payment of {$30.00} and their representatives say that I " mailed to wrong address '' and that is why there is more interest after I made the payment. The transaction was made electronically, no address is given on Marcus billing statements for pay off and XXXX site has no request for address of loan provider on their application. Marcus claims I am late and also threatens my credit score with this unpaid interest they claim accumulated from XX/XX/XXXX until XX/XX/XXXX ( when Marcus claims to have received it ). Requests to waive this " interest after pay off '' is denied ( transaction done electronically online, not mail ) and requests to alter it to 4 days ( XX/XX/XXXX to XX/XX/XXXX ) are denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
Good morning My wife and I have a problem with : Money Network Cardholder Services related to the Economic Impact Payment Card. 

We have called their customer lines several times but We were unable to contact someone to help us with this request, the available options are only with a card number, but this is not our case as we never got one. We have also sent to certified letter through USPS and XXXX and  both have been returned saying the company moved from that location, but that is the only address shown on their website. 

We received a White House letter on XX/XX/2020, and notice number XXXX XXXX XXXX XXXX which indicated we are receiving an economic impact payment of {$2400.00} by check/debit card, nevertheless, so far, we have no received it, reason why, we contacted to the IRS to get more information about it. The IRS informed us that Money Network Cardholder Services is in charge and responsible for sending the cards with the economic impact payment so we contacted them directly with no response. 
We daily carefully check our mail but nothing has arrived yet after almost 4 months where even my neighbor got it. 
We truly appreciate your prompt reply to this request, due to the current situation, we really need this economic assistance. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation