vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am a 100 percent XXXX veteran. I have a tax exemption that began partially XXXX and all of XXXX. This exemption will be permanent moving forward in the amount of {$140000.00}. My mortgage lender Freedom Mortgage is declining to correct my escrow payment amount and has increased my mortgage. I spoke with their tax department ( XXXX ) and we did a three way call to the XXXX XXXX Tax Assessors office and spoke with the supervisor their XXXX XXXX XXXX XXXX who confirmed that indeed I was approved and had a tax exemption in the above referenced amount. Freedom states that they can not make the necessary corrections unless the tax assessors office sends a new tax bill. The Tax Assessors office contends that they will not send a new tax bill until XXXX. In the meantime, I a XXXX veteran suffers in the middle of a pandemic because No One is willing to assist or go above the call of duty. I'm stuck paying a higher mortgage payment or choosing to be homeless or foodless. I have sent over the letter from The Tax Assessors Office twice to Freedom Mortgage all to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have been trying to fix the late payments showing on my Comenity Capital Bank card. I sign in every month to XXXX XXXX XXXX and the months that are showing i am late are the months I sign in but for some reason the wouldnt take my payment. I paid this account that way every month so for this to happen is wrong. I even call XXXX XXXX and they said they can see I login but cant explain why no was payment was taken. I have attached bank statements so you can see there was money in my account to make these payments. The fact that they admitted i login should speak volume. Im asking for forgiveness on these late payment do to the mix up that has happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Synovus Bank
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: ID Analytics, Inc.
State: SC

Complaint narrative:
I HAVE CONTACTED A REQUESTED THAT SAGESTREAM PLACE A SECURITY FREEZE, BLOCK AND SUPPRESS THE FILES THAT I HAVEWITH THEM. I AM A VICTIM OF A SPECIAL TYPE OF IDENTITY FRAUD. SAGESTREAM IS RELEASING INFORMATION ABOUT A BANKRUPTCY FILING THAT I DID NOT DUE TO XXXX AND XXXXTHIS WAS PREVIOUSLY FOUND TO BE AND ERROR. I HAVE SENT THEM SSN CARD, ALONGWITH GOVERNMENT ID, AND BANK STATEMENTALONG WITH A CERTIFIED MAILED REQUEST AND CERTIFIED FACSIMILE I DEMAND THE BANKRUPTCY BE REMOVED AND BLOCKED IN ADDITION TO THE FREEZE AND SUPPRESSION PLEASE HAVE THEM PROVIDE WRITTEN PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: NE

Complaint narrative:
Tried to call, but all operators are always busy and will not answer. I have no outstanding debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: NC

Complaint narrative:
Ive contacted regional acceptance in writing explaining that the auto loan account was fraudulent on XX/XX/XXXX they wrote me back stating all identification and related documents matches the ID information on file which was not correct. During this transaction with XX/XX/XXXXthat was done in XXXX I was a tenant at XXXX XXXX XXXX XXXX NC XXXX. The addressXX/XX/XXXX XX/XX/XXXX had on file was XXXX XXXX XXXX XXXX NC XXXX ... Thats the address the used when financing was granted. I have contacted the credit bureau Agencies XX/XX/XXXXand Equifax to remove this Account from my credit file at the Earliest Possible Time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Ive contacted regional acceptance in writing explaining that the auto loan account was fraudulent on XX/XX/XXXX they wrote me back stating all identification and related documents matches the ID information on file which was not correct. During this transaction with regional acceptance that was done in XXXX I was a tenant at XXXX XXXX XXXX XXXX NC XXXX. The address Regional Acceptance had on file was XXXX XXXX XXXX XXXX NC XXXX ... Thats the address the used when financing was granted. I have contacted the credit bureau Agencies XX/XX/XXXXand XX/XX/XXXX to remove this Account from my credit file at the Earliest Possible Time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
I've try reaching out to Credit Acceptance Corp any time and still have not gotten a respond I send them debt validation letters asking them how they've verify these items on my report and I've had a car loan with them and still no respond. I've contacted the credit bureaus asking them to remove these accounts from my credit profile and still no responds.I would like these accounts remove from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: M&T BANK CORPORATION
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
I was in a wreck on XXXX. In the process I was refinancing my house to consolidate my house and car. After the wreck the insurance company deemed it was totaled and paid off the amount owed. The refinance company told me since we signed paperwork they couldn't change the check and instructed me to send it in to kia motor finance and that they would be sending me that check back as a refund. So I did as I was told, and kia motor finance received the check on XXXX. They have done nothing but give me the run around for now five months about that check saying for the first 2 months they were resending the check. Then I spoke to a supervisor only to find out that the first check was still " pending ''. I asked him if that meant they never sent out the first check he said correct. Ever since then everytime I have called them they now say that the payment processing team has said it's " excluded ''. They also claim they can't tell me why it's been excluded or anything because their payment processing team didn't write anything in their notes. I have asked them If I should just go ahead and get a lawyer involved in the past and they said " sure go ahead and get one '' as if it was nothing. My refinance company says that the matter is out of their hands because kia motor finance cashed the check and has never heard of a company not willing to send back the money that wasn't theirs and instructed me to contact my senator ( to which I did and was told they don't handle matters like this ) and to contact consumerfinance.gov

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
My capital one credit card account was charged an annual fee on XX/XX/XXXX. When I saw the fee on my account I called on XX/XX/XXXX to address the issue. I was told they can not refund the fee without canceling my account. I agreed to cancel my account and was transferred to a supervisor. The supervisor told me I would lose the rewards associated with my account and I could have a check sent to an address. I asked instead to have the value credited to my account. When she told that was okay and asked me to confirm having the money added to my account. When told the conversion value of the rewards I was very surprised at how low the value was. I asked what other options I have, and she said it was too late you already confirmed. 

I am now in a position where I can dispute my rewards, but the requires me to leave the account open which means I'm going to be charged a fee. I feel like I'm being held XXXX by the credit card company. It's bad enough I'm going to have to impact my credit score to dispute the fee. The monetary value involved is low, but the behavior of Capitol One in this case feels predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was reached out by an account manager to invest in https : //XXXX I said I didn't know much of investing. I initially started with a XXXX invested, once " profits '' increased I had to pay a fee of XXXX the account manager gave me his word no more fees after paying this and I can withdraw my money. I got an email that same night after requesting the withdrawal that I should pay a fee. I freaked out all these fees I wasn't told about and I had send it asap. I told them to please just refund my money I didn't care about profits anymore. To not make the story longer they said they would refund the money in 7 days but I could not re invest with my name if I wanted to in a future. Today after logging in the platform, I get a message the email doesn't have an account and both the account manager and person who contacted where know where to be reached and the customer service department on the website never responded. Total fraud after a total of {$9100.00} included I had a charge of {$3500.00} debited from my account unauthorized from me. I am giving this information because I don't want this to happen to any good person who makes honest income from these scammers!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX  is allowing Portfolio Recovery Associates to attempt to double dip on their debt recovery. 

I paid them off. Last week. It said 10 days to notify the agency. 

I checked today it was updated, but theres still a balance. When I called PRA, they said they have up to 30 days and they dont submit the information for removal from report until the last day. 

So they wont tell the company I paid, for at least 30 days. Then, they wont give me any contact information for the department that handles it. No one is a supervisor with that information. And they defer to policies, that if they are as they state them to be, completely illegal and superimpose conditions that make the initial contract worthless. 

I paid XXXX to have it off my credit by XXXX. Not for them to send information on XX/XX/XXXX, according to their agent that hung up in my face, and then wait another 30 days for removal. 

I know it can be done faster because Ive had it done faster as a consumer and I used to work for a debt collection company. 

Policies can not fly in the face of agreement and set law. 

Remove this from my account now, or lose payment altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2021 i filed a unauthorized claim for a {$1000.00} XXXX transfer with Citibank. I was not notified of their decision to deny my claim ( s ). I then called the bank to follow up in which i was informed then and filed an appeal. The bank did not protect me as a long standing customer who did not have any issues with this bank. The bank did not notify as requested over the phone about appeal decision or ask for any additional information from me to successfully fight my appeal. I feel as though i have been discriminated against and unprotected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: LA

Complaint narrative:
Discover Card- From XXXX XXXX XX/XX/XXXX i was on tour i have documents need to prove i was on tour at the time. I was charged a XXXX dollar delinquent charge without knowing while i was working. it increased and now i'm in a bind because i didn't have internet on my base

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I do not have a contract with XXXX XXXX XXXX XXXX for any services rendered. These clowns are adding things to my credit report that I would like removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Integrity Funding Ohio, LLC
State: TX

Complaint narrative:
XX/XX/XXXX IS REPORTING A ACCOUNT NUMBER XXXX FOR $ XXXX XXXX XXXX A DEBT THAT WAS RESULTED FROM A IDENTITY THEFT ON MY CREDIT REPORT I HAVE REQUESTED SEVERAL TIMES TO VALID DEBT WITH MY ORIGINAL SIGNATURE ALONG WITH THEIR ABILITY TO OPERATE IN THE STATE OF TEXAS AND ONLY RECEIVED PARTIAL INFORMATION THERE'S NO ORIGINAL SIGNATURE FROM ME AND THIS DEBT I WANT DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
EQUIFAX IS REPORTING AN ACCOUNT AS AN AUTHORIZED USER THAT I AM NOT ASSOCIATED WITH THIS ACCOUNT IS HURTING MY PROFILE I HAVE SENT LETTERS MY CERTIFIED MAIL AND CERTIFIED FACSIMILE Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2018 Balance Owed : {$15000.00} I AM NOT ASSOCIATED WITH THIS CARD IN ANY TYPE OF WAY PLEASE TERMINATE IMMEDIATELY AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: ID

Complaint narrative:
In XX/XX/XXXX Community Loan Servicing said that I had contact them to do a modification on my loan so they started the process of that which begins with a house appraisal. I contact them and said that it was a HUGE MISTAKE, I didnt asked for that, my payments were and are up to date. Last time I was late on a payment was in XXXX. The result of this mistake is that according to them I have to pay for the paper-work related to the loan modification, the one that I did not requested!. 
In XX/XX/XXXX I was finally able to talk to XXXX XXXX who is my account representative and said that the charge was going to be removed. Today in XXXX The charge still showing in my statement and when I called I was told that the charge cant be taken off and that my representative couldnt talk to me. I had to be put on hold for over an hour and be transferred to three different people just to hear that answer. 
Why do I have to pay for their mistakes?? 
I really need help with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a 1099R from Wells Fargo Bank, N.A. for interest income paid on an account that I do not own.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation