vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: CA

Complaint narrative:
Over the phone, I had tried to get Advance Financial to stop taking automatic payments from my account ( ACH ), I was advised by a phone representative that they could not do that since they don't have payment locations in this state. I subsequently learned this was incorrect and customers can ask lenders to stop ACH ( and debit ) withdrawals. 

At least 3 days prior to a payment date of XX/XX/19, I contacted Advance Financial and advised them that I was unable to have a withdrawal from my account of {$350.00}. The representative agreed to honor my request. Yet on XX/XX/19, {$350.00} was taken via debit card from Advance Financial from my account. When I contacted them I was advised that sometimes they can not accomodate requests if someone did not meet a prior payment arrangement. I had in fact once been 3 days late and they also made a debit card withdrawal. When I told the representative that I could not feed my kids they said there was nothing they could do. I need the {$350.00} back so I can feed my kids. 

Advance Financial is a predatory lender that does not honor requests regarding payments and lies to their customers about the ability to stop ACH payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: John C. Heath, Attorney at Law, PLLC
State: NH

Complaint narrative:
XXXX XXXX has provided me with a copy of my XXXX credit report. As I have noticed that none of the five collection accounts belong to me. Can you send proof that these are my accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE. THIS ACCOUNT IS A CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-22 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE. THIS ACCOUNT IS A CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-22 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: Conn's, Inc.
State: TX

Complaint narrative:
This debt was paid in full on XX/XX/19 for the amount of XXXX. Payments receipts attached below. Debtor is reporting false information on the report claiming it was settled for less than the amount owed. Communication was initiated to get the issue resolved but nothing has happened just yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XXXX XX/XX/2019 I purchased a set of XXXX  golf clubs iron set  on XXXX and paid for them on XXXX VIA my VISA credit card. The golf clubs were not as described and I filed a dispute with XXXX, XXXX and my credit card company. My credit card company gave me a temporary credit while they investigated. The person that I bought the golf clubs from XXXX XXXX sued me in small claims court and I was court ordered to pay him the {$1800.00} VIA certified check. I paid Mr. XXXX the certified check on XX/XX/2019.XXXX  told me ( after I filed a XXXX XXXX XXXX  complaint against them ) that they had to hold my funds for 75 days per federal law. The 75 days was up on XXXX XX/XX/2019 and XXXX told the XXXX XXXX XXXX  that they deposited the {$1800.00} back into my credit card company under my account number. My credit card claims that they never receives these funds and told me that my case is CLOSED and they refuse to redeposit the funds back into my account. I have paid for these golf clubs TWICE. Once VIA XXXX and once VIA CERTIFIED CHECK. I simply want either XXXX or my credit card company to REFUND my {$1800.00} that I have PAID to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-07-22 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: PA

Complaint narrative:
There is an old account reporting on my Equifax credit report that was closed in XXXX of XXXX. I pulled my credit report today from XXXX  and it shows that EQUIFAX is reporting this closed account with 30 and 60 days lates in XXXX. HOW ARE THEY REPORTING CURRENT LATES ON A CLOSED/PAID ACCOUNT? 

30 DAYS LATE - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 60 DAYS LATE - XXXX This has been an huge impact on my credit report and is affecting me greatly. This account has been paid/closed for 5 years! Not to mention that the account has been reporting negatively on my credit report and XXXX makes 7 years since the date of 1st delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I TRIED TO OPEN A CHECKING ACCOUNT WITH NAVY FEDERAL CREDIT UNION, ONLY TO BE TOLD THAT I ALREADY HAD A ACCOUNT WITH THEM, AND IT WAS OVERDRAWN I DISPUTED IT 4 TIMES AND ALL FOUR TIMES THEY STATED THAT THE ACCOUNT BELONGS TO ME EVEN AFTER SUBMITTING A POLICE REPORT AND STATEMENT THAT IT WAS A CARE GIVER THAT DID THIS TO ME AND BECAUSE SHE USED MY PHONE NUMBER I AM RESPONSIBLE AND THATS NOT FAIR WHAT SO EVER. I HAVE TRIED TO CONTACT THEM BUT THEY KEEP TELLING ME THEIR DECSION IS FINAL, AND I NEED TO PAY IT IN ORDER TO HAVE A RELATIONSHIP BUT WHY SHOULD I PAY SOMETHING THAT ISNT MINES?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On saturday XX/XX/2019 at XXXX i opened the capitol one app in a hurry because i realized i had forgotten to pay schedule a payment. Then realizing it was saturday i relaxed. Because federal law dictates that if a payment due date falls on the weekend it defaults to the following monday. I went ahead and made a XXXX payment right then and there then made another payment for XXXX the follwing day. Sunday. Today, monday XX/XX/2019 i called capitol one to tell them that the payment violated federal law, actually twice. Because the law also says a late payment cant exceed XXXX dollars. Yet there system is apprently designed to automatically break federal laws. When i called i was immediately transfered to supervisor XXXX in XXXX florida. She proceeded to pretend and even tell me that this law does not exist. Well now im filing a complaint to get my late payment fee removed. And hopefully make capitol one fix its system that automatically breaks federal law and hopefully get refunds for their millions of customers who were unlawfully charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I HAVE NOTIFIED THE COMPANY AND LET THEM I DID NOT AUTHORIZE AN INQUIRY INTO MY CREDIT FILE.

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 2019-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
In XXXX, 2019, I notified my mortgage loan company, " Mr. Cooper '', about my application for County tax relief was approved by XXXX County, Virginia. Per the county, I am entitled to a 25 % reduction of real estate taxes, but " Mr. Cooper '', the lender, has not adjusted the amount of escrow they are collecting from my monthly mortgage payments. They are holding the excess amount themselves, since they are sending my county the correct reduced amount. I have been trying for months to have them reduce the amount owed on my monthly payment, to reflect the reduced tax amount. All to no avail.This has been going on for 7 months so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY
State: MI

Complaint narrative:
We have a 30-year fixed rate mortgage through TOWNE MORTGAGE COMPANY, which began in or around XX/XX/XXXX. Our monthly mortgage payments were {$1100.00} up until last XXXX, when they suddenly spiked ( without notice, since we are set up for an automatic deduction every month ) to {$1400.00}. They have remained at this level since last XXXX. I have contacted the mortgage company twice and my wife has contacted them once. We have been provided with varying explanations ( property tax increase, home insurance increase, a combination of the two ). 

As of my XXXX statement ( XXXX ), we have paid {$1200.00} towards the principal, {$2400.00} in interest, and {$3600.00} in escrow so far this year, which is absolutely ridiculous. I live in a tiny little XXXX country town in rural Michigan ( though hopefully not for too much longer ), where no one would vote to pay for increased taxes on anything, and I'm certain that my insurance is nowhere near anything that expensive. 

Twice I have been told that they would look into it and notify me of what they found out, but they have never followed through and our payment has not returned to the originally agreed-upon payment. It is absolutely fraudulent that I am being charged {$720.00} per month for taxes and insurance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
There is an old account reporting on my XXXX credit report that was closed in XX/XX/XXXX. I pulled my credit report today from FICO.com and it shows that XXXX  is reporting this closed account with 30 and  60 days lates in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. HOW ARE THEY REPORTING CURRENT LATES ON A CLOSED/PAID ACCOUNT? 

30 DAYS LATE - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 60 DAYS LATE -  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX This has been an huge impact on my credit report and is affecting me greatly. This account has been paid/closed for 5 years! Not to mention that the account has been reporting negatively on my credit report and XX/XX/XXXXmakes 7 years since the date of 1st delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
This year, when I filed my taxes for the XX/XX/XXXX year, I was informed that I would receive a refund. After a few months, I received a notice that I would not get that refund because of debt owed. This company, Midland Management was going to garnish my tax return for owed debt. I am not aware of any debt, so I called the company- I was informed that the debt is from XX/XX/XXXX for a XXXX XXXX XXXX credit card. 

I told them I was not aware of this debt. They told me that if it was a matter of invalid information that I would need to give them a police report. Considering that the debt is from over 14 years ago, I can not really walk into a police station and file a police report. I did file a report with the FTC. ( I have had previous problems recently with unauthorized tries of opening a credit card in my name ). 

I gave them this information to which they still requested a police report. Again, I don't have a police report and I can not get one. They notified me that unless I come forward with additional information, they will continue with the garnish. I am wondering if there is any additional information I can offer them or if the fact that they are over 14 years in debt makes a difference. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Follow-up to XXXX. Company never requested any sort of verification from me, and actually called me to set up a meeting just before closing the complaint.

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 monetary relief
Consumer complaint received 2019-07-22 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: CO

Complaint narrative:
Equifax is reporting incorrectly a collection in the amount of {$6800.00} on the XXXX XXXX XXXX XXXX., partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account does not belong to me and I have never heard of XXXX XXXX XXXX XXXX. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian isn't reporting these open acct. One is my mortgage which is with XXXX XXXX XXXX XXXX. Acct # *****XXXX. Date XX/XX/2019 my credit score drooped by 31 points. 
My credit card Acct # xxxx-xxxx-xxxx-XXXX Visa the bank name is XXXX XXXX XXXX.This credit card isn't even being reported, but have added an attachments to show proof. This is to is not being applied to my credit score.  Can you please help me with this problem?

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 2019-07-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have attempted to file a online dispute several times with Equifax. I have called them and then they said they could not verify my identity. I am so frustrated at this point and cant take it anymore. XXXX had a simple dispute process thru XXXX XXXX and it was taken care of right away. I attempted the same with Equifax and had a horrendous experience!!!!! Equifax is terrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: GA

Complaint narrative:
I HAVE NOTIFIED THE COMPANY AND LET THEM I DID NOT AUTHORIZE AN INQUIRY INTO MY CREDIT FILE.

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 2019-07-22 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: Midwest Recovery Systems
State: TX

Complaint narrative:
After having excellent credit for 25 years, my bank recently informed me that my credit score with XXXX ( " XXXX '' ) had dropped dramatically. They recommended that I review my XXXX credit report to understand why. I did so and found out that an " Adverse Account '' had been posted on XX/XX/19 by Midwest Recovery Systems LLC, a debt collection company, claiming that I owed {$1200.00}. Since I never heard of Midwest, I immediately filed a complaint with XXXX. Within a week, XXXX wrote back and stated that Midwest had confirmed that the amount was owed and, therefore, the " Adverse Account '' would remain on the credit report until Midwest removed it. XXXX suggested that I contact Midwest to resolve the matter. I called Midwest on XX/XX/19 and, after just a few minutes, it became very clear that this was a scam. The XXXX rep told me that if I paid them the full amount due ( or a reduced amount of {$760.00} ) they would remove their claim with the credit agencies. HOWEVER, Midwest could not produce ANY facts about when, who or why I owed this money. I checked out Midwest with the XXXX. Their accreditation has been " REVOKED '', their rating is " F '' and there have been XXXX  complaints about them in the last 3 years. My credit has been damaged by this scam. XXXX should be VERY SKEPTICAL about ANY claims lodged by Midwest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
This year, when I filed my taxes for the XXXX year, I was informed that I would receive a refund. After a few months, I received a notice that I would not get that refund because of debt owed. This company, XXXX XXXX  was going to garnish my tax return for owed debt. I am not aware of any debt, so I called the company- I was informed that the debt is from XXXX  for a Victoria 's Secret credit card. 

I told them I was not aware of this debt. They told me that if it was a matter of invalid information that I would need to give them a police report. Considering that the debt is from over 14 years ago, I can not really walk into a police station and file a police report. I did file a report with the FTC. ( I have had previous problems recently with unauthorized tries of opening a credit card in my name ). 

I gave them this information to which they still requested a police report. Again, I don't have a police report and I can not get one. They notified me that unless I come forward with additional information, they will continue with the garnish. I am wondering if there is any additional information I can offer them or if the fact that they are over 14 years in debt makes a difference. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: PA

Complaint narrative:
I called AES today XX/XX/XXXX because I had deferred my loan for 12 months and it was saying I had a payment. I have tried for months to have my payment lowered due to my XXXX year old having XXXX and they are not willing to work with me. Today and XXXX lady who I could barely understand said my loan was deferred for 12 months and there was nothing she could do about this payment. I can not keep paying this ridiculous amount for my student loans. I have tried and tried to work with this company and they will not work with me

Company response to consumer: Closed with explanation