vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-30 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: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
On XX/XX/20, I made an agreed payment arrangement made with Netcredit. Since the agreement, payments have been made on time, but is being reported as delinquent as if no payments are being made. I've contacted Netcredit several times about issue, but nothing is being done. I'm trying to purchase a house and this one thing with this company is hindering me. I've also filed several disputes about this matter, but nothing has changed. I need them to report to the credit bureaus, XXXX and XXXX that payments are being made and are being made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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 — Investigation took more than 30 days
Company: United Consumer Finance, Inc.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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 — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC
State: SC

Complaint narrative:
So Homeside Financial has sent me a letter stating they denied my refi due to incomplete information. THIS IS A TOTAL LIE! We had picked a local lawyer, venue for signing papers as well as set a date ( four days away ) for the closing. It was only when they said " pay off the interest free second balance then we will see you in four days ''. When XXXX XXXX refused to allow this payoff ( {$1900.00}! ) that was deferred by two months of not working during initial pandemic period ... they refused to continue! 

I am being discriminated against simply cause the industry has no channel for closing on mortgages with second balances. Since the Mortgage holder ( XXXX XXXX ) absolutely insists on not accepting payment for this amount until the full main balance is paid I will never be able to re-fi my home. This violates not only the spirit but the law passed as " The Cares Act ''. I have been 7 re fi companies and they all say the same thing! 

Someone has to look out for consumers with good credit ( I have a Fico around XXXX ) who are locked into their XXXX XXXX held mortgages! Mine is due to a measly $ XXXX ( which I actually gave to XXXX XXXX and they lied and just applied it to my main balance! ) I have been dealing with this since XXXX XXXX and their is no end in sight! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
There was a fraud alert placed on my credit without my knowledge. The active alert stated that inquired about new credit would have to contact me first. However there we no contact number attached to the alert making the inquiries for new credit invalid. Reached out to the companies no assistance provided, reach out to credit bureaus, and no update to the credit profile. 

Dates of inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-01-30 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: DISCOVER BANK
State: FL

Complaint narrative:
There was a fraud alert placed on my credit without my knowledge. The active alert stated that inquired about new credit would have to contact me first. However there we no contact number attached to the alert making the inquiries for new credit invalid. Reached out to the companies no assistance provided, reach out to credit bureaus, and no update to the credit profile. 

Dates of inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I after multiple partial payments I was contacted to submit a late payment. I called back that same day and spoke with a representative who approved my payment amount and future payment arrangement. She advised that because I was submitting payment and making arrangements there would be no negative hit to my credit. I was transferred to submit payment via phone, which I did. Two days later I notice the same balance. I submit payment again via internet. The next day I receive a call to collect more. I was advised that there were no notes in the account pertaining to any payment arrangement. I was transferred again to set up arrangements. This was completed. The next day I see that my credit reports were down 50+ points. I call back. The representative advised that there were no notes regarding the 3 previous interactions. I was transferred again to complete the payment arrangement request. The rep told me that I had done everything needed, he saw the notes and that they [ the company ] didn't do their part in emailing me the new agreement. He then drew up a company complaint and filed it for me stating that arrangementwas needed due to COVID layoff and maternity leave lack of income - same as I told every other representative I spoke with. I received the new arrangement via email and signed it while we were on the phone. 
To this point, I've been denied housing due to this credit report hit that we have seen and all of this due to company negligence, as I advised the reason I needed to make sure my credit was not effected and was assured multiple times that it would not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XX/XX/2020, I purchased two shore excursions from XXXX based in XXXX, Wi to be used on a XXXX XXXX while visiting XXXX XXXX on XX/XX/2020, and XXXX, XXXX on XX/XX/2020. These were each paid in full {$230.00} for the XXXX XXXX excursion and {$240.00} for the XXXX excursion. Each was paid with my Barclay Card account ending in XXXX as shown on the attached copy of my billing statement ending on XX/XX/2020. 

At that time XXXX had a published policy that stated that a Shore Excursion could be canceled at any time prior to departure and a full refund would be issued. A short time later XXXXXXXX XXXX canceled the cruise due to COVID-19 travel restrictions in the U.S. and XXXX. 

I contacted XXXX via email and requested a full refund as outlined by their published terms. I did not receive a response to my request until XX/XX/2020, when I was contacted by email ( attached ) and offered the ability to re-book the excursions to a later date or receive a Gift Certificate for a future booking but no refund despite their published terms. 

I responded to them via email on XX/XX/2020, rejecting their offer and reminding them of their published terms. I waited approximately 60 days and did not receive any further communication from XXXX. 

I then contacted Barclays and filed a complaint online about these transactions. Several months went by and I finally received a letter about Case Number : XXXX dated XX/XX/2020, in which they stated " Due to the length of time that has passed since the charge posted o our account, we are unable to take further action on this disputed charge. We encourage you to continue to pursue credit by contacting the merchant directly. '' That letter did not contain any information on how the file an appeal to their decision. 

I continued my attempts to contact XXXX as suggested by Barclays by phone and email. All phone numbers on their website either rang but with no answer or were disconnected. My emails went unanswered. 

Today, doing further research I discovered that XXXX has been placed in receivership owing 4.76 million in customer deposits for trips that have been canceled. It appears that this company took money that I and others paid them for excursions and never passed those funds to the excursion vendors who provide the excursions at the ports. I would expect that would be a criminal offense. ( copy attached ) I believe that Barclays has failed to protect the Credit Cardholders from merchants who have either acted in bad faith or have broken the law.

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 2021-01-30 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: IA

Complaint narrative:
My name has never been 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 2021-01-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
A deleted XXXX XXXX account was rereported to my experian credit report without notification within 5 business days. Report number XXXX deleted XX/XX/2019 and re added XX/XX/2019 i was not notified of the update until 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 2021-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
My mortgage company 's " Loan to Value LTV calculator '' is incorrect and deceiving. 
Attempting to pay a lumpsum to bring my mortgage to 78 % LTV in order to remove my mortgage insurance, using the provided " Loan Calculator ''. I submitted in excess the required amount to reach 78 % Loan To Value, yet the Loan Calculator is now displaying a new amount to reach 78 % loan to value. I previously experienced issues with this bank regarding their failure to submit my property taxes on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Credit systems international has mailed out over 30 pages of documents that contain my medical records, diagnosis codes, procedures and more. This company failed to supply a release form with my signature that gave permission for them to access my medical records. They did not supply a HIPPA release form that gave this collection agency access to my medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
Starting around XX/XX/XXXX, I receive a call every day around XXXX XXXX ( except maybe Sunday XXXX from phone number XXXX. I have not answered. Today, XX/XX/XXXX, I inadvertently called the number. I was trying to get the complete phone number so I could file this complaint. 

I heard a recorded voice that gave an amount owed, a notice of a convenience fee for collecting payment, and a website : sequium.com. There is no collection account information on my credit report, I've received nothing in the mail, and any collection debt in the past is paid and is at least twenty years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Hi, I am filing this complaint because the executive office of Well Fargo is denying me to use a promissory note to open an account. 

I filed with them twice My 1st case # XXXX the agents were XXXX XXXX and her boss XXXX XXXX. They refuse my claim My, 2nd case # XXXX the primary agent is XXXX XXXX which look at my first case and reexamine the claim. He also refuses my claim. 
I have sent out attachments through email about the laws and regulations to back up my claim. 
" In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. '' Farmers and Miners Bank v. Bluefield Nat'l Bank, 11 F 2d 83, 271 U.S.669. 

" A national bank has no power to lend its credit to any person or corporation ... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 s.ct 1024, 176 us 682, 44 LED 637. 
" Banking Associations from the very nature of their business are prohibited from lending credit. '' ( St. Louis Savings Bank vs. Parmalee 95 U. S. 557 ) " Banking corporations can not lend credit. '' ( First National Bank of Amarillo vs.

Slaton Independent School District, Tex Civ App 1933, 58 SW 2d 870 ) " Nowhere is the express authority granted to the corporation to lend its credit. '' ( Gardilner Trust vs. Augusta Trust, 134 Me  191 ; 291 US 245 ) " A national bank has no authority to lend its credit. '' ( Johnston vs. Charlottesville National Bank, C.C. Va. 1879, Fed Cas. 7425 ) " A contract made by a corporation beyond the scope of corporate powers is unlawful and void. '' ( McCormick vs. Market National Bank, 165 U.S. 538 ) ( Note : Black 's Law Dictionary : ultra vires Latin for " beyond powers. '' It refers to conduct by a corporation or its officers that exceeds the powers granted by law. ) Wells executive office does not recognize the laws My loan is to fix my teeth because I have XXXX  XXXX and it affecting my health which is putting me at risk. I need your help to reach out to them and give the laws above here.

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 2021-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
XXXX  under American Education Services is charging people over fees. The principal never reduces! All of this economic relief wont do anything for the 32-45 year olds that still have debt. We were given guidance to refinance by XXXX XXXX so now our loans are not considered federal and do not qualify for any programs. No one is making these loan companies comply. Ive been paying {$440.00} a month since 2009 and I still owe what I borrowed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have been dispute the account on my credit report with Experian and no response on my dispute so i am asking for them to remove and delete the account listed

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 2021-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2021 I tried making a purchase through XXXX for {$250.00}. The transaction was DECLINED. However it still withdrew the money from my account. Called XXXX and was told needed to file a dispute with my bank ( card issuer ) because since the transaction declined they have no record of it therefore cant refund my money that they didnt receive. Filed a dispute with Simple/BBVA on XX/XX/2021. On XX/XX/2021 received an email from Simple/BBCA saying it was denied. 
The reason ( s ) for denial : -Your assertion of error does not conform with facts and transaction activity. There is no evidence that an error took place. 
-There is no evidence that this is a duplicated charge. Each transaction has their own identification and authorization code. If you believe there is still an error, please make sure to reach out to the merchant for a refund. 

Im out {$250.00} that I desperately need and XXXX says that!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CitiBank contacted me from XXXX today at XXXX and : *failed to mention it was CitiBank & *failed tXXXX mention the call was being recorded I advised the agent as such and having asked for a supervisor, alerted him to the remissed advice the call was being recorded. 
Supervisor ended the call.

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 2021-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc.
State: IN

Complaint narrative:
Around XXXX I entered a consumer credit transaction ( pursuant to 15 usc 1602 ( i ) ) with Prosper in which a finance charge was involved ( pursuant to 15 usc 1605 ) with is the sum of ALL charges. I would like to state that am a federally protected consumer/ Natural person under the 15 usc 1602 ( truth in lending ) 15 usc 1692 ( fair debt collection practicing act ) and 15 usc 1681 ( fair credit reporting act ) ive found that my rights as a consumer have been violation under theses acts attached to this complaint is my notarized affidavit of truth in which i state all facts and violations done within the consumer credit transaction and Exhibits I've also attached the cease in desist letter ( pursuant to 15 usc 1692c ( c ) ) that I've sent to Prosper via certified mail. Stating I will no longer continue to pay on this alleged debt and invoking my specified remedy pursuant to 15 usc 1692c ( c ) ( 2 ) ( 3 ). it is clear that prosper is not only criminally liable pursuant to 15 usc 1611 but civil liable pursuant to 15 usc 1692k

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 2021-01-30 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: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I paid XXXX off threw the collection agency and they will not update the pay off it I have even sent the credit buraus the receipt and they will still not update it i have proof

Company response to consumer: Closed with explanation