vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I actually have no knowledge of this account. When I log into XXXX XXXX this collection does not pop up on my report. A letter was not sent to me requesting that the debt they assume I owe be verified. They never notified me through mail stating I am responsible for a { {$100.00} } bill from XXXX. I was never sent a bill as a validation of this debt, but I need an original validation identifying of my signature stating I had an account with the company. If they can not provide original documentation bearing my signature, I want this collection item removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a victim of an online dating scam and an unauthorized payment scam. Since XX/XX/XXXX, my chase account has been frozen due to the detection of funds deposited in my account that was supposed to be directed to someone else. Due to the scam, Without sending any notification email or phone call, Chase froze my account and funds which caused significant stress and suffering for me to get by. I called and spoke to many different people at Chase, each of them giving me a different story about what actions Chase will take to assist me, to include sending me a check with my money so that I could open a new account and get by. 
After speaking to many representatives that my account had been frozen on XX/XX/XXXX, Chase continued to accept the funds which are the only source of income that I have. My frozen Chase account accepted my funds on : XX/XX/XXXX for the amount {$800.00} coming from XXXX XX/XX/XXXX for the amount {$380.00} coming from XXXX XXXX XXXX for the amount {$650.00} coming from XXXX XXXX 
XXXX XXXX for the amount XXXX coming from IRS Stimulus check I did not authorize any transactions on or after this date, and I did not authorize anyone else to use my account in any way. I was left completely unaware of these deposits because I was told that Chase would supposedly not accept it. 
I have a copy of each of the following documents upon request 1. A copy of my Identity Theft Report which includes : 2. My FTC Identity Theft Report Reference # XXXX 3. The police report about the theft of my identity case # XXXX XXXX County Sheriff 4. IC3 Complaint Referral ; XXXXnternet Crime Center Even after many trying phone calls to Chase and all the immense strain this has put on my ability to get by, I have not received any help or assistance from Chase. Not a single phone call, email, or letter was received by me that showed that Chase would help or care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
The company involved is XXXX on behalf of a mortgage through Agfirst the address for the company is XXXX XXXX XXXX, XXXX XXXXXXXX, VA. I had a mortgage on a home which I sold. I had requested a payoff statement that was good through XX/XX/XXXX. 

My attorney that closed the sale sent a check to the above address via USP overnight. The tracking number is # XXXX and it was delivered XX/XX/XXXX at XXXX by XXXX  XXXX XXXX XXXX XXXX , XXXX XXXX , Va . 

A week after the delivery my attorney notified me that the check still had not cleared. 
I began making contact with XXXX and XXXX multiple times not getting anywhere. They stated they had not received the check or the package at all. 
I started a Complaint with them and the customer service rep said while my account was under " research '' that I would not have to make a payment or be charged any interest. 
My attorney and I had thought that this was resolved, until I got a notification that my credit score had dropped and was also being charged interest on my account for XXXX. When the account should have been paid off XX/XX/XXXX. I called my attorney and she said that she finally got through to someone by asking for their HR department and they finally said they had received the package but there was no check inside, which I believe is a lie. My attorney cancelled the check and agreed to wire them the money. So my account should be paid off now, however I want to get rid of the mark on my credit and I am refusing to pay that interest. I think this company is highly unprofessional and should not be handling these large sums of money.

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 2021-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX 2021 until today i recognize a lot of mails and phone msg and phone calls about incurrence company of health, home, auto motor, Checks loan and death ..., been calling me and i who ever took the money at my account of bank of America got my all information i think and he be receive my emails i been get some of them and some i dont get it and i call the police about that and i make a report like golden XXXX XXXX at XXXX in XXXX XXXX XXXX call me and said im ready to bring a XXXX $ to get a car but when i went it was all wrong and he was lying too and i make report about him but he get my information from the applying that other people make it and i went to go see how and why it was at XXXX but he already check my account from XXXX and ask banks and loan company for credit without my permit and more then that too i been screenshot and try to collect the most but its alot of scam under my ssn and my id and i cant even know because i dont receive mail or all of my mail i really got no even XXXX $ now or job because some one steal my legal paperwork and id from my mails and my home and i report the most and any place i can claim with it and im still waiting from bank of America to respond about my first claim of my XXXX $ that took from me i really just want all this scam and fruad to stop under my name so i can have goals and start my college ...

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 2021-02-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My Experian XXXX score on XX/XX/XXXX is XXXX. In XX/XX/XXXX my Experian XXXX  score was XXXX. My score dropped nearly 30 points with no valid reason as all payments in this 5 month period have been on time, I have not applied for any additional credit lines and I have paid all credit card balances to XXXX each month. My XXXX credit score on XX/XX/XXXX is XXXX. My XXXX  credit score on XX/XX/XXXX is XXXX. I contacted Experian via telephone and they were unable to explain why my credit score with them is 70 and 68 points lower than those of XXXX and XXXX, respectively. Their dispute specialist told me that there may be different companies reporting to Experian than the other two credit bureaus and that could affect my score. The only different company reported on the Experian report is 4 closed accounts with XXXX, XXXX, all closed and with an Exceptional payment rating as all payments were made on-time. I also have 2 utility companies on the Experian report through Experian XXXX, both with an Exceptional payment history. These factors would seem to warrant my credit score with Experian to be higher than that of either XXXX or XXXX, but that is definitely not the case. I could understand a 5 or even 10 point disparity between the credit scores from the different bureaus, but 70 points is ridiculous. Everytime I log into the Experian website, the first screen that appears is to upgrade to a Premium membership. I would gladly pay the fee for the premium membership, if that is what it takes for them to accurately report my credit score.

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 2021-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased the Vehicle in XX/XX/2020. I contacted the bank about on the 3rd Month of the Loan I had to be out of Work for a month due to Covid and asked them for help till I go back to work the following Month. Capital one Customer Service informed me that because my Loan was so recent they could not help me unless I had 6 months worth of payments. I literally had to reduce groceries and not pay certain bills in order for me to make those 6 months ' worth of payments. I contacted them again once I made the 6th payment and they stated that after it posted to my account I can request to have an extension behind the loan due to me having to play catch up and haven't been able to be on time. Capital one now states they can not help me with the extension but says they can give me only a date and pay partial payments till I catch up meanwhile I have late fees accumulated and reports to the credit bureau of me being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
XX/XX/2021 XXXX were notified by a credit monitoring application that Sequim Asset Solutions, LLC that a account with XXXX XXXX XXXX XXXX. I contacted Sequim and made contact with many associates inquiring about this account. After many attempts and the help I finally received the information and I now have the police report letting everyone know that I never opened an account in XXXX XXXX, Fl.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I have paid this SLS Mortgage Loan # XXXX, on time from XX/XX/XXXX thru XX/XX/XXXX. And then I took forbearance from XXXX thru XX/XX/XXXX. From XX/XX/XXXX as per their offer on my new Modification Trial payment, I have started paying the new payment. Now my credit is showing XXXX days late from XX/XX/XXXX and ignoring the State Law of credit reporting. I have called the mortgage company, they are now telling me, since I did not take the forbearance anymore it will show late, and my question is the forbearance was on form XXXX thru XXXX, why the payment will now show XXXX days late. They are also INCORRECTLY SHOWING NO PAYMENTS ON XXXX, XXXX XXXX. This needs to be fixed ASAP. Please help 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 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
I had applied for a loan modification to Fay Servicing due to the COVID pandemic. I had submitted all the required documentation as well as detailed explanation outlining my temporary financial situation. I kept calling on a weekly basis inquiring about the status of my loan modification application. Two days ago, XX/XX/21. I contacted Fay servicing again. They said that they mailed me a letter on XX/XX/21 which I have never received indication that my loan modification was denied and that I had 15 days to appeal their decision. I am going to file the appeal tomorrow. The property address is XXXX XXXX XXXX, XXXX  XXXX. XXXX XXXX NJXXXX. My Soc # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: MN

Complaint narrative:
although i bagan this complaint about SANTANDER, s company who is harassing me, the root issue is that I am not allowed access to my credit files. XXXX, XXXX, XXXX  have been off limits to me for four years. nobody will believe me, nobody will help me. my credit score, meanwhile, has plunged from XXXX down to XXXX becaue i am not able to maintain accurate, honest records any longer. i want the credit file to reflect that score of XXXX at the very least, if not receive monetary compensation for the XXXX this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: MO

Complaint narrative:
IQ Data got my debt back in XX/XX/XXXX when the pandemic started. I set up a payment plan for {$200.00} a month we were to continue that then about XXXX they stoped taking it. The called me a couple months later to collect the remaining valence and I told XXXX XXXX the guy handling my debt he cursed and yelled at me when I told him I could not do the full but could continue the payment plan he cursed and yelled at me more and hung up. I couldnt contact them because I didnt get a letter with their info and they call me from a face number. Now today XX/XX/XXXX he got mad and yelled and cursed that I had to go get a loan to pay off the remaining balance I told him no and he continue to get mad and I got mad and started yelling and cursed back at him because he was trying to use scare tactics and strong hand me into doing something that would put me in more debt to pay this debt. I got to a supervisor named XXXX and he started to do the same thing and wouldnt work with me to make more payments or anything. He then told me he was done talking and hes putting in his. Notes that I am unwilling to pay and putting the debt into default and no long be able to take the debt off the record once it gets paid in full.

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 2021-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
Purchased a XXXX from XXXX XXXX XXXX in XXXX, NC financed with American Credit Acceptance in XXXX and traded the SUV in at the same dealership in XX/XX/XXXX for a new SUV. I received my " Paid in Full '' letter from American Credit Acceptance saying thanks for paying off your SUV and congratulations. The dealership received the title to the XXXX and they resold the truck to another person. XXXX XXXX I went to my bank to talk about refinancing my new truck, the loan officer tells me to contact American Credit Acceptance for bad debt. I reached out to ACA and spoke with XXXX who is one of the managers. She had 3 different versions of what happened. First she told me that I owed the money and couldn't explain why. Then she said they have a new system and she was unable to see my old account. The third story was some one messed up and shouldn't have sent the title to the dealership and shouldn't have sent me the paid in full letter. But she did not have an excuse as to why. She told me she would contact me back and she was going to talk to her manager to see if they can get it taken off of my credit and updated. XXXX never called me back, I called her every two weeks and she was always in a " meeting '' or on " lunch '' I would call her at different times and she was never available. I have proof that this account was paid in full, It's not the consumer 's fault when a company switch to new systems and can not properly transfer information. 

ACA is the worst and they are completely wrong for what they have done to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have really struggled during covid I have made my payment noted some were not over 30 Days late but XXXX XXXX XXXX XXXX has put every kind of negative remark they could to diminish my credit Ive payed and as of XXXX my accoubt was changed to good standing I payed two payments in XXXX and two in XXXX which I have supporting documents on XX/XX/XXXX I have a delinquent status again but I bought a new car on the XXXX and traded that one in Ive sent all the in formation to both creditor and TransUnion no one is replying to my emails they hang up the phone on me please do not let this company continue to behave this way. I didnt need a new car but they have been such a headache I wanted to get out from Under that loan so I had no dealings with them they do not care about the customer harass you daily during covid manager says they stop doing latte fees during covid but yet they still are taking them out

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 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I opened a PNC bank checking account on XXXX XX/XX/2021. It has a promotion that get get 2 direct deposits of {$1000.00} and then they will give me {$200.00} cash back bonus. I have already got 4 direct deposits in this account totaling more than {$2800.00} but no {$200.00} cash back bonus. 
When i asked them this question via secured message center, they are asking about the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
ROBINHOOD has put a restriction on my account as of XX/XX/2021. 

I have sent repeated emails to them daily and I keep getting the same response, ( 1-3 ) days! 

No one has reached out to me. Nobody has called or returned any of my emails. They have restricted me from purchasing shares and withdrawing my money but not from depositing money. 

My life savings is in that account and I'm suffering from alot of anxiety. 

Is this legal? How can they hold someone's money like this? How can you help me in this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: LA

Complaint narrative:
We have sent plenty of letters for fraud and called several times to have all these inquiries remove. I have locked my credit because my ssn was found on the dark web I would like all these inquiries remove.

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 2021-02-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: OH

Complaint narrative:
U.s. ReliaCard wanted an ID verification 6 days ago I sent it I updated my address online they said that I can't do that and that's why it tripped the fraud alert so I put the address back to the old address and then resent the ID verification they said I needed to reactivate the card They said this three days in a row that I lock the card three days in a row my pay is still on the card and they will not let me have it they will not let me use it they will not transfer it and when I asked them to speak to the supervisor they said that I would get a call back in 24 to 48 hours that's the best they can do there holding my funds with no resolution or help.

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 2021-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
They previously took care of the issues that I had, my payment was to be due on XX/XX/2021 - I attempted to pay the payment in XXXX when I got paid - I get paid bi-weekly and did not get paid again until the XXXX. In late XXXX when I logged in to make the payment the account would not allow me to log in to my online account to make the payment as the issues had resolved - I have no problem making my {$31.00} payment that was owed, but because I could not log in - when I was finally able to log in - there was an {$89.00} payment due on the account because of late fees - this is not okay - this would have been paid on-time actually early had they not locked me out of my account and told me that I needed to call them to make payment. I wrote them - they will not take the late fee away nor take just my {$31.00} payment - if I pay just the {$31.00} they are going to apply a late fee every month. I can not due the {$89.00} right now.

Company response to consumer: Closed with explanation