vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: NC

Complaint narrative:
XXXX contacted me after I went online to apply for a loan in connection with the impending Coronavirus Outbreak by shoring up my most high payment creditors, along with insuring more funds were available for the increased cost of consumer items as usually happens in situations like this, and to which the state government does little about. I was able to have my car loan payment to be put on the back in of the loan which I wasn't sure was going to happen. 
XXXX somehow got a whole of my old checking account at XXXX XXXX XXXX, and in doing so was unable unbeknown to me at the time, to withdraw a due payment on XX/XX/2020 as I took this loan out early XXXX. I never did get a loan account number until recently when I accidentally stumbled over it nor have I ever receive a copy of the loan contract. The company is based on a XXXX reservation, not subject to state laws regarding Pay Day Lending companies. They are outlawed here in North Carolina. XXXX has harrassed me on several occasions concerning their apparently inability to draft funds from my account. I have repeatedly told them and sent by email, certified mail, and fax the correct account info, and they will not accept my explanation or documentation nor query the employee who signed for the certified mail on XX/XX/2020 with the correct info, and again on XX/XX/2020 I sent them their payment with a XXXX money order sent CERTIFIED PRIORITY MAIL along with yet again correct banking info at a cost of {$15.00}. Today on XX/XX/2020 after them calling me again requesting payment and saying I was in default, I am mailing them my most recent bank statement by regular mail. I have tried to work with them as best I can, now its ' getting to be harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: FL

Complaint narrative:
Im XXXX years old, XXXX and in a very difficult situation. I have no running water in my half repaired kitchen because my Reverse Mortgage Funding will not release the {$7800.00} of my insurance money. I had a flood in XX/XX/2019 and the insurance company paid {$11000.00}. The reason for not releasing the funds is because my mortgage is inappropriately if not illegally delinquent. 
According to my reverse mortgage agreement I make no payments. In XX/XX/2019, I filed Chapter XXXX bankruptcy in which my house was not included. When this occurred RMF contracted an attorney, which Im told was to place a lien on my house to protect the investors. I was always under the impression that the mortgage is a lien, in first position, on  the house. The {$650.00} attorney fee was charged to my line of credit which put my mortgage into delinquency. There was approximately {$55.00} in my line of credit in XX/XX/2019. No one can speak with me because my mortgage is delinquent and no one can tell me how to resolve this. This has been going on since XX/XX/2019. My contract for repairs states 60 % payment upfront and 40 % upon completion. To date, RMF has only paid my contractor {$3600.00}, owing him {$7800.00}. But, RMF wont release funds until the work is completed. I have no way of paying the {$7800.00} to complete the kitchen repairs and no way to borrow this money. And if I borrowed it, at this point Im not sure they are going to release the funds anyway. 

I have submitted multiple, often duplicate documentation from me and the contractor. When I call Im constantly transferred, put on hold sometimes more than an hour then disconnected. All these disconnected phone calls can not be a coincidence. I dont like to think like this and almost everyone is pleasant but something is just not right.

And to boot, Im paying interest on the negative money in the line of credit. If I lived to be in my 90s this may be thousands of dollars. 

This has been so stressful. It has affected my physical and mental health which is already compromised. I was scheduled for back procedures but they were canceled due to the pandemic. I have XXXX XXXX XXXX from washing my dishes in the bathroom sink. Its been a nightmare. I wish this on no one. 

I certainly hope that you can intervene and help to resolve the situation and have RMF release my insurance funds so my kitchen can be repaired and I can live safely. And I hope that you can review their procedures and prevent them from doing this to other  seniors especially those more vulnerable than me. Hurricane season is approaching, and if my windows or front door gets blown out, I dont want to go through this again and not have repairs done that were paid by my insurance but delayed because RMF is holding the 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 2020-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I set up automatic payments for my Citi Thank You Preferred card, and payments have come out of my account as requested for a long time. This month my payment did not come out, and when I called them about it, it was informed that they changed the terms and conditions and cancelled my automatic payments because I did not accept the terms and conditions. This account is paperless and I manage it using their app, so they informed me that the new terms should be on my online statement and it is my fault if I did not find them. Even after being told this and searching for this notification, I still can not find the new terms, or where I need to go to accept them after reading them. 

The problem is that they will not refund the late fee that was accrued because they decided not to take out my payment as agreed upon. The last payment was taken out of my account on XX/XX/2020. Citibank cancelled my automatic payment schedule on XX/XX/2020, without providing notification that they cancelled my scheduled payments. It is now XX/XX/XXXX, so my payment is late because I did not know they were not going to comply with the terms of our agreement. I have requested the credit card company to refund the fee as it was because if their actions that my payment was not taken out. They have refused. I have escalated my request, and that too was refused. 

This is a deceptive business practice, and even more hanieous given that they are trying to scam money from consumers during the middle of a pandemic.

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 2020-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Gurstel Law Firm, P.C.
State: NE

Complaint narrative:
As of XX/XX/2020, Gurstel Law Firm P.C. ( XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ) received account, tried to make contact with Gurstel on several different days to make payment, but no account info can be accessed or released. No one will return my phone calls and everyday they delay payment, my credit is being effected. Also the original creditor is still reporting negatively, so I tired to pay them, but they refused payment because account was charged off and sent to Gurstel Law Firm

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXXmy 5/3 college checking account was debited $XXXX  for an "account dormancy" fee but I never received any notifications, phone call, or email from 5/3 regarding this. I emailed their customer service and XXXX XXXX replied with this message: 
"Thank you for contacting Fifth Third Bank. Your checking account ending in XXXX has become dormant. Electronic transactions cannot be performed to or from dormant accounts. Please consider making a mobile deposit, visiting a local Banking Center to make a deposit into the account, or withdrawal from the account. 

You may refer to the branch/ATM locator on the www.53.com website for Banking Center addresses and telephone numbers. It can be found on the top right corner of the homepage. 

According to the Dormancy Rules and Fees in the Rules and Regulations Applicable To All Fifth Third Accounts And Cards booklet:

"An account becomes dormant after a period of inactivity of 12 months for a checking account and 36 months for a savings account. Inactivity means there has been no deposit into, or withdrawal, from the account. See the Fee Schedule contained herein for the fees associated with dormant accounts. Bank reserves the right to close an account if there is a XXXX balance and no activity for a period of time."

Once an account becomes dormant, a statement is sent notifying you that your account has been placed in dormant status. In addition, an annual statement is sent to all accounts in dormant status in XXXX of each year.

The dormant account monthly fee is $XXXX."

When I tried to withdraw my funds so I could close my account, I discovered it was impossible. Also going to a local physical 5/3 branch is impossible now due to coronavirus. So essentially 5/3 is holding my funds hostage and at the same time robbing me of my own money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I applied for a free security freeze from Experian on XX/XX/XXXX and again today, XX/XX/XXXX. I entered all the requested information. Both times I received a response on the website at the end of the application that said : " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered ''. It then asks me to mail the information I just entered, plus a utility bill and a copy of my driver 's license. 
1 ) I did not have any difficulty with acquiring a security freeze from XXXX and XXXX on-line. It happened immediately. 
2 ) My FICO score is XXXX ; Experian has all the information they need. 
3 ) I do not want to put my social security number on paper and send it in the mail, as is required by Experian to obtain the security freeze. 
4 ) My husband applied for a free security freeze from Experian on-line and obtained it immediately.

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 2020-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Activehours
State: MD

Complaint narrative:
I can not link my bank account to Earnin XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I have a XXXX credit line. There taking XXXX every 2 weeks. It's averaging around XXXX a month. The problem is instead of the debt reducing it continues to rise everytime I make a payment. At the rate they are charging in interest I'll never be able to pay it off. I was unaware that there charging me like it's a pawn loan or something. I think I've been scammed. I went into my account and tried to find the actual loan contract but it was nowhere to be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo sent letters after my fraud dispute and credited the fraudulent charges however for my company XXXX they are stating I still owe charges and I requested for them to remove all overdraft fees associated with this account as there was fraud that remained in this account for almost 2 years.

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 2020-04-25 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Have filed complaint on line and by certified letters to all three parties involved who keep passing the buck to each other blaming other parties included! Problem was not really investigated cause if was it would be fixed by now! Mortgage lender filed bankruptcy sold to other company which in return showed closed account with o balance which hurt my credit by 40 points! But trying to tell them my account is still open the mortgage is still there is NOT paid off!! so they ruin ur credit not my fault they filed bankruptcy! Im still pay on a XXXX mortgage that they show closed but has changed hand serval times before and never went thru this! They cost me a loan XXXX. For there mistake cause ur credit goes by ur score and closed accounts and how much u can borrow I pay my bills and work hard to keep a XXXX score or better for a company to be able to ruin financial life is wrong when its there fault not urs have filed complaints and nothing is being done but passed on the blame to reporting Equifax and XXXX  from XXXX fin my score should have never changed my mortgage is still there all it did was change hands

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Called to transfer funds out of a checking account and was denied service after the account was frozen without explanation. Called again and was told only visiting a branch would get the issue resolved, which is unsafe to do given the current pandemic. Today, received a letter saying that without a returned signature the funds would be transferred to the state of California. 

If this practice of inactivating " dormant '' funds isn't illegal, it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Debt was handled, I no longer owe for this credit card. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: CO

Complaint narrative:
XXXX bogus so-called corporation is saying I owe them {$730.00}. I do not owe them a penny. They reported me to the credit bureau '' s XXXX, XXXX, XXXX. What i want if for them to do what is right. I am a hard working honest man. I researched Midwest Recovery Systems on the internet and found out that this predator corporation goes after honest hard working people claiming they have a debt to pay. I refuse to give in and pay them. This is my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Paradigm Assets, LLC
State: CT

Complaint narrative:
I was notified via us mail that a lien had been placed against my property. 
Upon searching court records I discovered that the law offices had filed suit using an address I have not lived at since XX/XX/XXXX. I have previously dealt with this Collections company And they were fully aware of my current address but chose to use my old address so that I wouldnt get notified of the court case and they could proceed because I wouldnt get notified. 
I have written correspondence from XX/XX/XXXX from their attorney dumont to my correct address from previous dealings with them in which they claimed they didnt know where I lived after a similar incident. 
There is retuned mail in this case because they used the wrong address and the mail got returned. The retuned mail is in the public record from the court. The retuned mail is proof that I never received notification of the judgement placed against me. 
I was never served at home or work and they fully knew this using the wrong address to file suit against me. Im asking the lien be removed and court case dismissed as they did not properly notify me of suit and there is retuned mail as well as incorrect addresses listed on the paperwork filed in the court cases. This company fully knew my correct address and chose to use the wrong one on purpose. 
They also tried to get a motion of default prematurely and the court denied it. They had to wait the full amount of time which just shows they knew they had the wrong address and wanted to get a judgement before I found out about it so they could collect knowing I wouldnt get notified. 
In later court paperwork they add my later address knowing that I wasnt living at the original address they served me at. They also knew I was not living at the additional address they added to the paperwork but wanted to get a motion of default to collect their money. The second address was for show by them to make it look like they attempted to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TN

Complaint narrative:
I started a mortgage refinance application on XX/XX/2020 with Amerisave Mortgage Corporation and gave them {$500.00}. 
I satisfactorily completed the application process during the next few weeks. My loan broker informed me that Amerisave required proof of income from my retirement accounts. He gave me directions as to the amount and how to have my financial advisor set up the distributions. This was verified by a letter from my financial advisor. 
I complied with all of his requirements and obtained my bank account statements showing the amounts deposited. I received an email on XX/XX/2020 declining my application. I spoke with my loan broker on the phone and he told me the reason I was declined was because I " had no history '' of deposits of this nature. Since I am very recently retired, there was no reason to have a history of deposits of this nature. 
There was never any attempt on the part of my loan broker to resolve any issues regarding my mortgage application. They continue to ignore my emails and my multiple requests to obtain a written document as to why my application was rejected. They also have refused to refund my {$500.00} application fee. 
I feel age ( XXXX ) discrimination has something to do with this mortgage rejection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
XXXX XXXX  HAS BEEN WORKING ON MY PROBLEM FOR MORE THAN 2 YEARS NOW, AND NOT GOTTEN ANY BETTER SINCE. IMY SCORE WAS OVER 620, WHEN I CHECK WITH XXXX XXXX A MONTH AND A HALF AGO AND IT WAS WELL OVER 620, AS OF TODAY IT, S XXXX. WHAT IS GOING ON. I NEED FOR SOMEONE TO FIX THIS NIGHTMERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: MD

Complaint narrative:
Intrest rate is over 700 %. 
I was not told the intrest rate. 
Requested automatic payments be stopped. Gave 48 hours notice. 
XXXX. 
Original Loan Amount {$1000.00}. As of ( XX/XX/2020 ). {$1300.00} paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I received a copy of my credit report. It showed 2  credit inquiries made by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX on XX/XX/XXXX and XX/XX/2018. I sent them a USPS Priority Letter disputing the inquiries. My letter was returned undeliverable RETURN to SENDER. These inquiries must be deleted.

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 2020-04-25 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: NV

Complaint narrative:
This is not my account. Also, the addresses listed are not mine, nor did I authorize these companies to pull my credit.

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 2020-04-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX MULTIPLE CONTACTS WITH LENDER AND CONTINUE TO RECEIVE RUN AROUND AND BEING TOLD TO CONTACT CREDIT BUREAU FOR REMOVAL OF LATE PAYMENTS

Company response to consumer: Closed with explanation