vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
DEBT WAS PAID AND I WAS NEVER LATE! - Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Home Point Financial Corporation
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The debt was paid in full on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Sovereign Lending Group, Incorporated
State: CA

Complaint narrative:
1. Started loan with Sovereign Lending Group ( XXXX XXXX, CA XXXX XXXX XXXX / XXXX XXXX XXXX 2. Filled out application/ provided all documents- W2-Taxes-retirement, back accounts 3. They kept asking for more & more papers/ I provided them.

4. I ask for a closing date -- they would ask for more paperwork 5. I would I am canceling my loan- then a manager would call me -assuring me all is well & ask for more documents.

6. They would not close on any of the 3 loans I applied for.

7. I started to escalate a month ago.XXXX XXXX stopped responding 8. XXXX XXXX took over- he asked for more documents- I again gave them- then he stopped responding 9. Last week ( XXXX ) I escalated to Sovereign Lending Group- headquarters- spoke with XXXX XXXX Supervisor : He never responded. 
10. Last week ( XXXX ) spoke with XXXX ( Directors ) : He never responded-or gave solutions. 
11. XX/XX/2021 No one is picking up the phone. I want them to close my loan. 
12. I am afraid -they have my financial information and they going to something sinister.

13 Loans are supposed to close around 30-45 days : It has been 3.5 months.

Please investigate and shut this company down asap.

Kind regards XXXX XXXX XXXX I think they are going to fraud me-

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Problem I had learned that I owed JC Penny/Sychrony Bank {$230.00} when I refinanced my home XX/XX/XXXX. XXXX XXXX deducted this amount from my net proceeds and gave me a check for {$230.00}. I had no prior knowledge of this. I had moved to a new primary address in XX/XX/XXXX and had forwarded all mail to my new home address ( to be fair this may have been the initial cause of the problem ). In XX/XX/XXXX, I reached out to Synchrony Bank when I first learned of this outstanding balance for an explanation or a copy of a statement and they failed to provide it to me. I did not believe I owed anything so without any statement I completed a fraud report and sent it to me Synchrony Bank and they failed to respond back to me. What they did was to send the amount to collection. 
I finally received a copy of the statement from the Collection Agency, XXXX XXXX XXXX ( XXXX XXXX ) after I attempted to receive this from Synchrony Bank, XX/XX/XXXX. The statement showed a interest fee of {$1.00} back in XX/XX/XXXX which compounded to {$340.00}. 
On XX/XX/XXXX I disputed this amount with XXXX XXXX and they sent me the backup copy of the statement. I would not want to deal with Synchrony Bank again.

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 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: SC

Complaint narrative:
I contacted Amerisave on XX/XX/2020 to refinance my home loan. We did not want to take money out of the value of the house. We requested 15 year fixed low interest rate. All the paper work was completed in XX/XX/XXXX. Then the excuses began. 1st could not go forward without a home appraisal when in XXXX that requirement was waved with the loan originator. So we agreed to have the home appraised as long as we were credited the fee back in the close of the house. We had agreed to go with Amerisave BC the home appraisal & fee was not a requirement to refinance. It took until XX/XX/XXXX for the appraiseXXXX to come to the home and do the appraisal. Then it took the completion of the appraisal paper work to be returned until XX/XX/XXXX. We were asked again to summit a third proof of pay check which we did on XX/XX/XXXX. Now after additional week we have yet again to move forward in the process for closure of the loan. And no one with return phone calls or emails. So I am fed up. I am reaching out for your assistance. I am asking that we be refunded the XXXX we paid for the appraisal.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
My loan was sold to select portfolio servicing ( SPS ), from XXXX. When it was sold my loan was in forbearance. My husband who is self employed lost his consulting job. Im trying to get out of forbearance and the only way I can do that via sps is to do a loan modification or pay the balloon payment. When I stared the process with XXXX they said I would be able to defer my payments. SPS would not honor that. They keep asking me to either do a loan modification that I may or may not qualify for due to my husband being out of work, or I must extend the forbearance. I have now extended the forbearance for a year. I told them numerous times I would like to just start paying my mortgage with the payments deferred and have been denied. Now I have to go through a loan modification, or pay a balloon payment there are no other options. I do not believe this was the intent of the covid relief program. They told me if I do not do the loan modification, or pay the full past due amount in Full that the past payments I missed will go on my credit as lates. Destroying my credit! I have put in for the loan modification and if it is denied they said I will either have to pay the balloon payment or have all the lates report on my credit and they will foreclose on my home. I saw in the covid relief information that a balloon payment was not supposed to be the only option and feel they are not following the intent of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Tower Loan of XXXX, Louisiana, calls me at least 3 - 4 times a week to try to force me to : 1 ). Make double payments, or 2 ). Refinance my loan I can only pay {$240.00} by the XXXX of each month.

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 2021-03-12 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: PA

Complaint narrative:
XXXX XXXX Experian is reporting inaccurate information on my XXXX XXXX XXXX, account they are in violation in my consumer rights i was on time with my payment back in XX/XX/2019.

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 2021-03-12 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
THE ACCOUNT LISTED IS AN ERROR AND MAYBE FRAUD. THIS ACCOUNTS IS HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNT IS NOT MINE, IT BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, my loan servicer, Specialized Loan Servicing ( SLS ) began sending me notices of delinquencies and foreclosure. My account has been current throughout my Chapter XXXX bankruptcy and discharge. I have proof, in the form of bankruptcy discharge documents and payment confirmation emails from SLS, that payments were complete and on time. Yet, I continue to receive notices of delinquencies and foreclosures from them and their online systems continue to reflect a past balance. It has been two months from my date of bankruptcy discharge and this account error continues to persist. 

I have contacted Specialized Loan Serving ( SLS ) numerous times since XXXX, but they insist the account has a past due balance. At the direction of their phone agents, I faxed a Qualified Written Request - Notice of Error, along with supporting documents, on XX/XX/XXXX to assist them with remedying the errors. I also mailed the Notice of Error to the address provided on their website on XX/XX/XXXX. It has now been over a week without a response and I'm concerned ( scared, frankly ) that my credit and house are in jeopardy. 

Attached are some of the key documents that substantiates completion of payments via the Chapter XXXX plan and post-petition/discharge payments made by me.

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 2021-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Paid a garnishment against my wages for a car loan and the company Credit Acceptance is still reporting to the credit agencies that I have missed 8 payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am currently unemployed, last pay check was XX/XX/21. I filed for unemployment, received my PIN to make claims. Filed first claim XX/XX/21 and received confirmation that it was being processed. Filed my second week claim on XX/XX/21, received confirmation that it was being processed. I have yet to receive any unemployment funds to my Bank of America account. I had multiple overdraft charges hit my checking account ending in XXXX. The first call to Bank of America was XXXX XX/XX/XXXX. They would not refund all overdrafts despite that Im unemployed and havent received my benefits. I was on that call for 57 minutes. That call was made at XXXX. The final Supervisor that I spoke to was XXXX. I have had overdrafts in the past and at no point did anyone tell me about Safe Balance Checking that charges a {$5.00} fee each month so I went ahead and switched over to that while on the call. Another overdraft fee hit my account. So I still have two fees totaling {$70.00} that have not been refunded. I just called Bank of America again today, Friday XX/XX/XXXX at XXXX, located in Arkansas . The second Supervisor I spoke to, XXXX, lied to me and kept giving me the run-around. She stated she was the highest manager there. I had to keep asking who she reports directly to. FINALLY, she said XXXX. I asked to hold for XXXX and XXXX stated that XXXX wasnt available. I said I would hold for as long as it takes. She stated XXXX doesnt speak to customers. I said I would hold for her. She ( XXXX ), then said that she can get XXXX to call me back as shes assisting other customers. I said I didnt think she spoke to other customers and she said she speaks to Clients ... I said I would continue to wait. I kept holding. XXXX said she would let me speak to XXXX, another Supervisor but not her peer. I said I would continue to hold for XXXX. She transferred me to XXXX even though I wanted and continued to hold for XXXX. She finally put XXXX on even though I wanted to hold for XXXX. XXXX said he couldnt assist me any further and WOULD NOT LET ME HOLD for XXXX and that he would disconnect the call. I said Im staying on until I speak to XXXX no matter how long it takes and XXXX disconnected the call. That call lasted for 1 hour and 18 minutes. Mostly on hold. I want the {$70.00} in fees returned to my checking and then Im taking my business elsewhere. Im not going to deal with a financial institution that deals in lies and deceit.

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 2021-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am filling a complaint in the manner in which my account was handled. I had a Comenity Bank Credit account on behalf of WayFair. I was eager to have this account as it helped my XXXXredit score significantly as I made payments on time and even in advance. I was blind sided in XXXX of XXXX when I found out that WayFair and Comenity Bank would be severing their ties and my account was closed. I found this out when I looked at my credit report and found that my credit score dropped significantly due to the decrease in the number of open credit accounts, seeing as my Comenity credit limit was at {$4000.00}. I also noticed that the Credit Bureau was reporting that my balance was {$0.00} with Comenity/WayFair. I called Comenity in XXXX to get clarification on the matter and the representative was not sure as to the status of WayFair and Comenity and why my Credit Report was showing a {$0.00} balance. In XXXX the status on my report has remained at closed for the account but is showing that I have 3 month past due balance of $ 150+. So not only has my score decreased significantly after paying on time from the beginning of my relationship with this Bank but it has also affected my on time payments reported to the credit bureaus. I've called a Bank representative and paid the account down. However, I do not feel that with this current situation of my credit due to the closure of the account that I can even apply for credit with any other company. I've also found out that WayFair offered a new card with their new creditor to some of their clients but the offer was not extended to me even though I had 100 % payment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: Chime Financial Inc
State: CO

Complaint narrative:
I booked a hotel through XXXX on XX/XX/2021 for the amount of {$64.00} for accommodations at XXXX XXXXXXXX XXXX XXXX in XXXX, XXXX XXXX showed no extra fees or concerns. At check in, the hotel requested a deposit, specifically because the room was booked through XXXX, in an amount higher than my credit limit allowed. I immediately pursued a refund or to be transferred to another hotel through XXXX, which I was refused on both counts. I filed a dispute with my credit card company and they have stated that they will do nothing to resolve the issue. The bank the issue is with is Chime or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: FL

Complaint narrative:
my information was used fraudulently by an unknown individual with my consent, resulting in numerous open account that was not paid. i was confused when i saw my credit report with all these debt that was not mined, i wonder how is that allowed by creditors who open these credit lines. i was told by a friend who had it happened that i can get some if not all removed from my credit report, i am really hoping that happened for me. my identity was stolen badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion XXXX XXXX is reporting inaccurate information on my XXXX XXXX XXXX, account they are in violation in my consumer rights i was on time with my payment back in XX/XX/2019.

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 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX 2020, We noticed a withdrawal from the account for the amount XXXX, the statement showed that the wire transfer was from XXXX XXXX a name we didn't recognize. We called capital one to inquire on XXXX 2020. The bank said " not to worry that it did not go though because they weren't able to get ahold of the signer ''. That the money would be redeposited into the acct in a few days. A week later I called again because I did not see any action taken and that's when they sent me to the fraud department. They said it was a fraud and that they will look into this matter and closed the account without notice. This is a business account it caused us a huge amount of trouble bounce checks changing all vendors etc to new account. Today is XX/XX/2121, and every time I call the fraud department they tell me that they are waiting for the other bank. Its almost three months this is a huge amount of money that we are in need of. 
My experience with wire transfer is I have to go to the bank show ID, and fill out paper work. This wire was done though the computer. No one called the signer, for approval. 
Total incompetence 's from the bank. I trusted the bank " Capital One '' to safeguard my cash and the bank without questioning the obviously suspicious activity, paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: Navient Solutions, LLC.
State: IA

Complaint narrative:
When trying to get approved for a loan to buy a house my credit was checked and I was denied based on several delinquent accounts that are my student loans. The report said my accounts were currently in delinquency when they are not. My government loans have been put on hold due to the Covid-19 pandemic and I have actually continued to make payments on them. I have no credit cards that have any money on them due to them being paid off. Student loans are my only debt I pay on and they are not delinquent. I was made aware of an issue that many are having with their credit taking a hit due to student loans being hit with delinquency due to the government hold on them. This " delinquency '' effected my ability to get approved and is frustrating when it was inaccurately reported. So I'm just looking into the issue.

Company response to consumer: Closed with explanation