vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Hi, This company National Credit Adjusters continues to report to all 3 credit bureaus that I owe them a debt in the amount of {$290.00} this information is not correct.. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They sent me a letter stating that they verified these debts as being accurate and that I know is not correct. I have asked National Credit Adjusters to send me validation of these debts bearing my signature and they have not provided that. instead they sent my a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with National Credit Adjusters in the amount of {$290.00} and opened on XX/XX/19. I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX XXXX that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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:
XXXX  and Transunion are fraudulent on my following accounts : XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX  is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX XXXX, XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # 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 explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America keeps telling lies. Every XXXX supervisor are always in meetings. They have been in meetings since XXXX. Where are my permanent modification papers? there were due in XXXX. It does not take this long for a new system to rollout and new papers to be printed,

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 2020-09-24 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: Total Card, Inc.
State: MS

Complaint narrative:
that accout with total visa and XXXX XXXX are report that account as wrong i was in jail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: AES/PHEAA
State: AL

Complaint narrative:
There are 3 payments that I made towards my qualifying payments that FedLoan should be counting but will not. I have sent them proof and documentation. I have been asking them since XXXX of XXXX XXXX a year ago ) to correct this, and every time I call they say it is " under review '' and " will be complete in 20 business days '' or sometimes " you have to submit this for review '' saying they have no idea per their records that I have requested a review, and will start the process anew. I have made *every single payment* sometimes at significant sacrifice to do do ( not heating my home in the winter for instance ) since it started in XXXX. My $ XXXX worth of loans are set to be forgiven in 6 weeks if they count all my payments ... which they still will not do. Obviously I'm getting more frustrated as that deadline approaches and I've worked hard to hold up my end of the bargain, they still won't count my payments despite frequent phone calls requesting they do so. Two of the last agents I spoke with ( XX/XX/XXXX and today XX/XX/XXXX ) promised to submit it for " expedited review '' that hasn't materialized. The issue is with 3 payments : one on XX/XX/XXXX when they sent me into forbearance against my wishes, and after years of me calling them they finally removed the forbearance - but they have still not counted my payment that month ; and 2 payments in XX/XX/XXXX and XX/XX/XXXX when my loans were transferred from XXXX XXXX, " because there is no bill '' and they refuse to generate a bill even though I have provided proof from my bank and XXXX XXXX that the payments were made. I can provide emails to support some of this, although most transactions were phone calls with written notes. I can also provide XXXX XXXX and bank account proof of payments if this will help your review, but I have already provided them to Fedloans so will not upload here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
I have closed my mortgage with Amerihome Mortgage on XX/XX/2020. 

They charged another monthly payment on that month which left my total escrow balance of XXXX. 

They claimed they have sent the check but I have NOT received it. After a battle of phone calls, I requested them to stop that check and issue a new one 50 days ago. 

After over 20 messages inquiry, and multiple phone calls I learned today they still haven't issued a new check to me. And the customer service representative was rude and blaming USPS. If it hasn't been even issued why to blame USPS and the pandemic? 

If I make my payment after 3 months and blame the pandemic and USPS would it ' be acceptable? 

This company has been the worst. 

I'm losing faith, and I need this money. I have so much debt to take care of. I need the CFPB 's involvement in this matter. 

Reps are extremely rude. They transfer my calls to other people and ask me to spell every letter for the current address, property address, mailing address, and keep wasting my time for hours and simply hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: U.S. BANCORP
State: NJ

Complaint narrative:
My NJ car lease matured on XX/XX/2020 during COVID times. I care for my XXXX elderly mother who lives with me and I am her XXXX  so I could not get out with the pandemic and my mothers condition being high risk so I couldnt expose her to covid. I was in continuous contact w the lease end dept but kept going in circles getting calls sayingy account wasnt coded to COVID and several other miscommunications. The customer service connection has been horrible. I was never given an Expiration date and am now advised that my account has been charged off I have held this lease for 4 years and have Never been late or missed a payment and now told my credit is affected Im requesting this be resolved and credit issue resolved and I will purchase car if necessary but Im truly not ready but if I have to I will but seeking help to direct me on this matter and clear the credit issue. I have sent the bank a complaint letter today also after all my failed attempts to fix this. I am begging for help on this matter.

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 2020-09-24 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: KS

Complaint narrative:
I filed an ID report with the FTC. I also filed one with the police department for the following accounts which by law have to be removed rom my credit report and they havent. My return receipt from the post office shows they received it along with my police report over 2 weeks ago. 
XXXX XXXX XXXX XXXX  de XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is reporting a written off account from XXXX  XXXX  without properly verifying its legitimacy. I have conveyed to them that I do not owe this debt or amount yet they continue to report and refuse to give me the contact information on who, how and what methods they used to validate the information being inaccurately reported.

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 2020-09-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Home Loan Center, Inc.
State: FL

Complaint narrative:
On XX/XX/2020, I contacted Lending Tree, Inc to request that a monthly payment be delayed or consideration given to reschedule the that monthly payment. Specifically, I requested some additional time to make the payment because I have been unemployed since XXXX, but have managed to pay each month on time utilizing the XXXX XXXX XXXX ( XXXX  ) Debit feature on my account despite the fact that I never authorized automatic XXXX  payments each month. Over the phone, the agent stated that the payment of {$1000.00} for XXXX XXXX usually taken on the XXXX of each month ), could be taken as late as XX/XX/XXXX. I specifically asked if I would have to make two payments in XXXX due the delayed payment for XXXX. I was told that I would not have to make this payment and I assumed based on the current pandemic that lending groups were willing to exercise some flexibility with regard to repayments. I also specifically stated at least three times during the call, that I needed to be sure that if I was going to delay the payment that the automatic XXXX  payment usually occurring on the XXXX of each month was rescinded/cancelled and would not be taken from the account. The agent stated that this was true : no payment on XXXX would be taken. I checked my checking account from which Lending Tree draws today, XX/XX/XXXX and discovered that the account had been debited {$1000.00}. This XXXX  occurred without my permission. This despite numerous assurances that no payment would be taken on XX/XX/XXXX. I called today and was told that the agent had not rescinded the automatic XXXX  payment feature and that two payments would be required to keep the account current in XXXX. In sum, Lending Tree authorized an XXXX  transfer from my personal checking account, received the funds, currently has control over the funds, after my permission to transfer for these funds was rescinded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: NC

Complaint narrative:
Like many Americans, my family and I have been impacted by the worldwide COVID-19 pandemic. We lost about two-thirds of our income, and as a consequence, we are struggling financially. I tried to stick it out for as possible and pay Discover Financial whatever they wanted, every month. However, I can no longer pay an absurd amount of money for a {$1500.00} credit card. Discover Financial jacked up my interest rate to 24.49 % for no good reason, except to make more money off me. I contacted Discover Financial and spoke to customer service and told them that I would like to pay back what I owed them. However, I need a little bit of help during these troubling times. Their customer service representative categorically refused to work with me and offer any COVID-19 related assistance, even when I asked specifically for it. I was told that it is not available to me. I was also told that the only thing she would do is allow me to pay 16.99 % interest for 12 months. The customer service representative told me that all customers get the same " fair '' treatment. That is clearly a lie since I know other people who closed their Discover accounts and got 0 % APR for 60 months to pay off their balances. I was also told that if I don't make a payment immediately, Discover Financial will report my account as late. I have included a screenshot of the offer from within my Discover Financial account. If you look closely, there is no offer to close the account with a 0 % APR or anything close to it. I strongly believe that this is because of the relatively small amount that I owe, {$1500.00}, it is more profitable for Discover to keep my account open and keep me paying. During an economic crisis and a global pandemic, a good bank does its best to help its customers pay back what they owe. In my case, Discover Financial is not interested in helping me pay them back, but rather they want to profit from me for as long as possible by keeping my account open and me paying sky-high interest rates for as long as possible. This needs to stop immediately as I am no longer able to pay what they want me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: KS

Complaint narrative:
I filed a complaint with the FTC and a police report for identity theft and sent it to Equifax along with the acct from the ID theft and a copy of my Id and social. 
XXXX XXXX  XXXX and required by law it must be removed and it hasnt been.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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 ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX fail to remove an inquiry off my credit report, the inquiry is by capital one .I want this inquiry removed its fraud, XXXX has caused numerous of problems when I been trying to dispute this information and has rejected from helping me, Im filing this complaint and will attach a screen shot and a FTC identity theft report to this complaint, DO NOT PUT NO FRAUD ALERT on my credit report, you do not have permission to add anything at all, XXXX has transferred me constantly and hung up on me .I want this inquiry removed off my report .I can dispute anything I do not recognize on my report and anything fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I went on the website to make a payment, and after I enter my information the site froze. So I called to make the payment over the phone so I would not receive a late fee. 2 payments came out of my account but I only received 1 confirmation. I called the company they said that it would take 2 weeks to get my money back. I advised them that I could not afford to wait 2 weeks. I advised them that I will dispute it with my bank. They charged me a fee when i didn't get any notification of the payment on the website and they refused to waive it. Also I have to call every month for my payment to post to my available balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
The reason for filing is complaint is I sold a car but the fund mystically disappeared within two US bank accounts. 

The whole story : I sold one of my car to a local car dealership and received a check with {$21000.00} from the dealer. I made the first deposit with the check via an ATM on XX/XX/XXXX, and my bank record showed the check was reversed on XX/XX/XXXX because it was over the limit of depositing a check via an ATM. I received the check about one week later. And I deposited the return check over the counter of a local US bank branch and did what was asked from the branch account manager on XX/XX/XXXX. My account showed the check was returned again on XX/XX/XXXX. When I called US bank customer service hot line, I was told the check was returned because it was a duplicate check. The representative told me he was 100 % sure the fund was routed back to dealership 's bank account. But when I stopped by the dealership, their financial department told me the fund was not returned to their account. From what they could see from their account, that fund was showing was cashed on XX/XX/XXXX. And there was no any pending transactions or indication that the fund was going back to them. So I went back to a local branch on XX/XX/XXXX and tried to figure out. The branch account manager said she could only see the check was returned from my account and I should talk to the dealer 's financial department to initiate a claim from their side so that US bank can look into where the fund went. So I pushed the dealer to make a call with US bank and talked to their account manager to see what they can do. And I received the call from my dealer on XXXX XXXX and saying their account manager said the check was clear. The fund left their account and they wouldn't be able to provide more information on where the fund go. But they could see the fund was deposited into another US bank account. And so far I have made at least 4 calls with US bank, visited US bank branch for 3 times, called 4 times with my dealer and visited 3 times. And no one could tell me where the fund went and why it didn't deposit in my account and how the check was clear. US bank customer service just keeps tell me to go to my dealer and my dealer asks me to talk to US bank. But the fund is disappeared within US bank. 

Thank you for reading the long story! I did not expect it to be this long and time consuming to sell a car and receive the money either.

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 2020-09-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC

Complaint narrative:
During the recent hurricane and extreme heat season my home was overwhelmed by a number of electric issues. I care for my XXXX year old mother so extreme heat and ability to refrigerate her medicine is an issue at all times. My electricity went out for a number of days which caused me to have a technician come out to my home. The tech was alarmed to find that my electric wiring was in such a terrible state that he didn't feel safe leaving without doing a major overhaul of the home. The tech claimed that the home was a fire hazard and that any competent inspector would have declined to approve the home for sale in such a state. I explained that home was bought less than 5 years ago and he said the issues would have been terrible for at least a decade. I tried to contact my mortgage company to find out who inspected the home and why they would put my family in this type of danger. Rushmore loan management has refused to provide any info and also has stonewalled my request that I made through legal representation. I feel that as a Veteran the homes that are sold to us should not be a threat to XXXX  us or our family. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation