vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
I have defaulted on my mortgage payments because I am in a serious financial crisis. I have explained in detail to my mortgage company by email so that they have every detail of my situation and how I plan to pay. They call and they email and they call and they email repeatedly like bullies as if I am holding onto my money and refusing to pay. I have {$160.00} in my account at this moment. They email me and tell me to call because they wont put a hold on the account by email. What does it matter if I call versus email! Its the same reason Ill give them over the phone! In the past when Ive contacted them by phone theyve tried to get me to pay. I dont like talking to them over the phone because they can be very ugly and rude. Its totally unnecessary. They know I live in TEXAS and we went through a horrific WINTER STORM! We went days without electricityand water and I missed an entire week of pay! My bf works for XXXX and his store was closed for a week so no one was there to do payroll. My paycheck for that week was only {$90.00}!! You tell me how Im going to pay a {$1000.00} mortgage with {$90.00}. Please someone tell me how Im going to squeeze that out of {$90.00}. It took 2 weeks for payroll at XXXX to get back on track because of the winter storm. I had to cash out my XXXX from my last job to get caught up. I have not gotten a stimulus package, otherwise I would have paid already! Being bullies and trying to squeeze money out of someone that doesnt have it does not help the profound situation. I have never been able, in the past to get a hold of my XXXX XXXX from XXXX. Its always someone else, then I have to re-explain the situation and then they get a supervisor on the phone and theyve always, always been nasty to me. Being ugly does not help the situation, especially when theyre a complete stranger. They do not know what is going on in someones personal life. There is absolutely no compassion when said person has been through multiple catastrophic events. I have been struggling since Ive moved in this home. Ive had through XXXX major XXXX XXXX, I was XXXX, i was on short term XXXX, which limits your income, then XXXX hit, then I wrecked my car, then the winter storm hit Texas. I have been doing the best I can given every single thing I have endured since 2015. I have tried to get a home loan modification but they refused and only modified one payment after I had my XXXX  XXXX. It did not help. My mortgage should be modified to my current income so it is affordable. Im only make {$10.00} an hour. When I bought the home I was making {$15.00}. Thats a big difference. Even though every payment has been late, Ive still made my payments. Im doing the best I can. If 21st does respond to this I know theyll try to justify their reasons for being the way they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Capital Accounts, LLC
State: TX

Complaint narrative:
My consumer finance complaint ID is XXXX. 
Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response Dear XXXX XXXX, Thank you for contacting Capital Accounts , LLC via the portal regarding your account. When we received your complaint, we immediately paused collections on your account while we investigated your allegations. As a matter of courtesy, and solely in an attempt to reach resolution of your concerns, we have proactively closed this account in our system and returned it to your original creditor. You should receive no further communications from us on this matter. Additionally, we will submit a request to all three credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX to have this account deleted from your credit report. Thank you for allowing us the opportunity to respond to your concerns. Capital Accounts , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
From at least XX/XX/XXXX - present I am charged two interest fees a month by chase- they call them XXXX XXXX Fees. 

My statements shows in XX/XX/XXXX a interest fee charge of {$97.00} and one for {$2.00}. Each month there after these interest charges come through in a total between XXXX $ as two separate charges. One is usually XXXX $ and the other $ XXXX. There are no cash advances or any separate debts that would explain why I am being double charged. I was sure the CARD act of XXXX was in place to prevent these double billing practices but I am seeing over time that chase does not adhere to following rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
the collection agency XXXX agreed to delete this account from my report completely once paid ... I paid the {$290.00} even though i did not owe this money..I just wanted to take care of this since it is affecting my credit score ... ..They never deleted it even after our agreement and it being paid in full ... ..This tactic that they used is a violation and i demand that they remove this from my credit report completely now..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Attached you will find a brief history of my complaint and correspondence with several government officials. I filed a complaint with CFPB in XXXX and it has been since closed without resolve. The complaint is attached. I was swindled by Sallie Mae and Navient regarding XXXX. I spoke with them about eligibility for XXXX in XXXX and they have conveniently notated that we spoke " several times throughout XXXX regarding benefit incentives that were or were not available on her consolidation loan '' but did not provide me with accurate information to consolidate using the proper loan for eligibility. They told me to simply continue paying the loans and as we approach XXXX, there would be additional information. When I applied for XXXX in XXXX, I was denied and told that I'd been in the wrong loan program, that I would have to reconsolidate and pay an additional XXXX payments! DEVASTATING! I've reached out to CFPB ( including XXXX XXXX XXXX, Department of Education, Navient, NC Attorney General XXXX XXXX, NC XXXX XXXX XXXX, former NC XXXX Governor XXXX XXXX, Congresswoman XXXX XXXX, and multiple advocacy groups. The strongest consumer protection agency has, to this point, chosen not to protect me or the rest of the borrowers preyed upon by government-contracted lenders. The public servants who are supposed to hear, serve, and advocate, continue to overlook the cries of fellow public servants who were promised loan forgiveness. I am desperate for the new administration to receive this complaint and, in cooperation with the thousands of like complaints, move to forgive these debts. This has truly been government-organized racketeering. My initial loans were {$55000.00}. Since beginning my repayment plan in XXXX, my current balance remains {$53000.00}. When and where is that ethical?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. XXXX XXXX XXXX, XXXX XXXX XXXX ( f ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( a ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( b )

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 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: MD

Complaint narrative:
Receivables Management Systems is listed as a collection on my XXXX credit report. The debt was paid directly to the original creditor, XXXX XXXX, prior to going to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: GA

Complaint narrative:
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I was trying to book a wedding venue, called XXXX XXXX in North Carolina. The only form of payment that they would accept was XXXX XXXX or XXXX pay. I downloaded XXXX XXXX and tried to send her the deposit of {$250.00} on XX/XX/XXXX. While entering her name of $ XXXX, I received a text message while typing XXXX XXXX and it stopped and I sent the {$250.00} to a stranger that I do not know. I instantly tried to cancel the transaction and XXXX XXXX would not allow me to do so. I also tried to request the {$250.00} back from that person and I receive an error message that reads " We are unable to request cash from XXXX. Please contact them and ask them to send cash instead. '' I contacted XXXX XXXX support on Monday XX/XX/XXXX to tell them what happened and they said because it's an instant transfer they can not cancel it, and I would need to contact the person and ask for money back, since I do not know that person there is no way to do that. I reached out to my bank XX/XX/XXXX when funds cleared and disputed transaction. On Sunday XX/XX/XXXX I recieved a letter stating claim for dispute was denied. I have called them Monday XX/XX/XXXX requesting a reason why and complaint, they stated someone would call me back. Never received any phone call and on XX/XX/XXXX funds were back withdrawn my account and also charged me two fees. I reached out to PNC bank again and told them if not protected against this kind of fraud to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I was sent a letter on XX/XX/XXXX that I owed a medical bill from XXXX XXXX in the amount of {$28.00}. I mailed a letter along with a copy of the receipt on XXXX XXXX. I then received another letter regarding the same bill on XX/XX/XXXX, almost a year later for the same debt, even though they had already been informed by phone and mail that the debt had been paid prior to their involvement.

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 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I received a phone call from XXXX XXXX XXXX XXXX XXXX late XX/XX/XXXX. I requested communication through mail. I received a collection letter ( {$8600.00} ) dated XX/XX/XXXX on XX/XX/XXXX. The letter stated that I had 30 days to dispute the debt. I responded via XXXX on XX/XX/XXXX, disputing the debt and requested debt validation. XXXXXXXX XXXX ignored my request and reported the collection to the credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: NH

Complaint narrative:
Transunion added to comments on closed accounts one acct has been closed since XXXX the other closed in XXXX when the added the comments they lowered my credit score by XXXX points! Can they purposely lower my score by me asking to have old or paid accounts removed from my account? This is the XXXX time I have disputed info and everytime I do they lower my credit score I checked and the only difference in what the did is add to existing comments. Is that even legal and can they legally because I dispute incorrectness in their reporting lower my score? Lowering it XXXX point is a lot for adding to comments they have also refused to remove the collection XXXX even though it shows as I sent copy that shows the XXXX XXXX accts that they said the removed is the account they are showing as the XXXX account please help me straighten this out I am disputing these items to bring my score up not to have them lower it XXXX the other credit reporting agencies did not lower my score at all when the added comments in fact they went up not down

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 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC
State: GA

Complaint narrative:
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
After contacting by phone Receivable Management Group XXXX XXXX and XXXX XXXX, this letter was mailed to both companies. 

This letter is to formally inform you that I received a notice from Receivable Management Group , Inc. demanding a payment, which is incorrect. The letter is dated XX/XX/XXXX requesting a payment in the amount of {$320.00}. 

I have included a copy of the statement issued by XXXX XXXX on XX/XX/XXXX indicating that the amount due at the time was {$8.00}, which was promptly paid on XX/XX/XXXX. 

In addition, XXXX  XXXX informed me that my credit score had decreased due to {$150.00} reported on XX/XX/XXXX by Receivable Management Group , Inc. 

Based on this information, I contacted your billing department. A representative named XXXX informed me that the balance due today was for approximately {$400.00}, unfortunately I do not recall the exact amount. She tried to explain that both insurance companies paid during XX/XX/XXXX, but such payments were later recalled. She was not able to clarify the reason for the payments being recalled or the date when the funds were sent back. Until today I have not received a copy of document ( s ) showing these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: MD

Complaint narrative:
There is an entry on my XXXX credit report detailing a collection account for Receivables Management Systems. The Original Creditor is XXXX XXXX and dated XX/XX/2016. This account has been paid in full to the Original Creditor. I have requested both XXXX  and Receivables Management Systems remove the entry, per the Fair Credit Reporting Act. I have provided both with proof to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: MD

Complaint narrative:
XX/XX/XXXX Global Lending Services illegally repossessed my XXXX XXXX XXXX in Maryland. The governor signed and extended an order against repossessions nut Global Lending proceeded anyway. The repo company they used, damaged my real estate property, damaged my vehicle and no one is claiming responsibility for the damages of approximately {$5000.00}. Now I have paid the account current, but I am left with a nearly totaled vehicle. No vehicle to get to work and no one answering calls. The company they used I believe XXXX XXXX XXXX was not licensed in Maryland. I have Ring camera video of the entire event, and they claimed the damage was already there before the illegal repo.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: ME

Complaint narrative:
Yesterday I opened up my Robin Hood account and everything was fine. Then early in the day I noticed that my stocks were selling on their own. I try to login and then found that I was logged out. I tried the password recovery and never received the recovery link, which makes me assume that whoever hacked my account changed the associated email. Apparently they have opened up a robinnhood debit card in my name and have siphoned off {$5000.00} already. There is a {$5000.00} limit on the card so they will take the remaining {$5000.00} today probably. I have tried to call Robin Hood, they have no customer service number and have not responded to any emails. The debit card is drawn off XXXX XXXX and they have not done anything and refuse to. I have called XXXX and they say they cant do anything either. So Im really confused as to why three different companies cant do anything to shut down a fragile and debit card when all three of these companies are linked to the debit card. Absolutely atrocious that Robin Hood can allow fraudulent people to open debit cards under my name and then siphon funds from my account and not allow me to contact them. Please help. To be honest, I really think that this is an inside job with robinnhood since Ive had multiple problems with them and just recently threaten to sue them. Then this happens?? They had just exclusive access to my Robin Hood, seems really fishy to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Self Financial Inc.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
Serve card offered by American Express offers services such as money transfers or paying a bill but do not follow through. As a result, my car is in danger of repossession

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Just found this on my report ... 
Have no clue who portfolio is?

Company response to consumer: Closed with explanation