vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I am writing to Select Portfolio, Inc. to request specific itemized information about the accounting and servicing of the mortgage and of my need for understanding and clarification of various charges, credits, debits, transactions, actions, payments, analyses and records related to the servicing of the loan from its inception to the present date of my deceased mother XXXX XXXX XXXX. 


I also request that you conduct your own investigation and audit of my account since its inception to validate the debt you claim I owe you is accurate to the XXXX. Please do not rely on previous servicers or originators assurances or indemnity agreements and refuse to conduct a full audit and investigation of my account. 

To insure this, I have authorized a thorough review, examination, accounting and audit of the mortgage loan # XXXX. This exam and audit will review my deceased mothers mortgage loan file from the date of my initial contact, application and the origination of my loan to the present date written above. In addition I attached my mothers death certificate and is acting on her behalf as heir to the estate.

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 2021-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
I have made 116 payments that are eligiblefor theTemporary Expanded Public ServiceLoan Forgivenessprogram ( TEPSLF ). There are 52 paymentsthat are pending manual review. On XX/XX/2021, I reached out to my myfedloan and I was told that a review was going to be done but no timeframeswas given. On XX/XX/2021, I spoke to theStudent Aid Ombudsman at Department of Education. I receiveda letterfrom myfedloanindicating thati requested a review XX/XX/2021 to give 60 days to myfedloan to do a review or find a solution. Today, I followedup and I received a genericletter attached indicating that there is no timeframe for my fedloan to conduct a manual review which is unacceptable since i am only 4 payments away and due tobureaucracy my loan forgiveness can be delayed. Please assistme. I attached evidenceof my communicationwith the agency as proof of my diligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
XXXX XXXX has currently reported to my credit that I owe {$140.00} which is impossible because I currently have an account with XXXX. Before I got this current account I had to pay off the remainder balance of anything which was owed.

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 2021-09-24 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: DISCOVER BANK
State: MA

Complaint narrative:
I purchased online 4 car wheels which had defects from a merchant. I requested the merchant send me a prepaid shipping label to return those wheels but they refused, I then submitted a dispute through my credit card bank to help with the dilemma. My credit card bank did not obtain a pre paid shipping label from the merchant so I could ship the wheels back without any expense, since the wheels were defective and of no use to me. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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:
I have an existing mortgage with XXXX, I have paid EVERY payment, I am current, but XX/XX/2021, I called XXXX to INQUIRE about my options with A.- refinance at a lower rate B.- modify to remove PMI ... AT NO POINT, I asked or AGREED to a CREDIT PULL of any kind, I was NEVER INFORMED that XXXX was doing a credit pull WITHOUT MY KNOWLEDGE or consent... 

and they lowered my score from XXXX very good, to XXXX just good... as a matter of fact I wanted to checks their rates, because I AM SHOPPING around for the best rates FOR ME based on a XXXX score!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Recently obtained a new cell phone number for my daughter, a minor. Midland Credit keeps calling my daughter for a debt that we do not owe. Despite blocking Midland and despite informing the company that we do not owe the debt it is repeatedly calling about, Midland 's phone calls to my CHILD continue unabated. We recently got the new phone number and the debt was likely owed by a person who had the number before us. Yet, instead of pursuing the right person, Midland is pursuing a child!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: U.S. BANCORP
State: FL

Complaint narrative:
I have an existing mortgage with USBANK, I have paid EVERY payment, I am current, but XX/XX/2021, I called USBANK to INQUIRE about my options with A.- refinance at a lower rate B.- modify to remove PMI ... AT NO POINT, I asked or AGREED to a CREDIT PULL of any kind, I was NEVER INFORMED that USBANK was doing a credit pull WITHOUT MY KNOWLEDGE or consent... 

and they lowered my score from XXXX very good, to XXXX just good... as a matter of fact I wanted to checks their rates, because I AM SHOPPING around for the best rates FOR ME based on a XXXX 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 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one agreed to settle my account for a set amount. I accepted and allowed them to withdraw automatic payments until debt paid. Capital one withdrew all payments except the very 1st payment. I was unaware of this until a year later when the debt was still reporting as negative/derogatory on my credit report. Ive tried disputing this with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
about 2 years ago I tried to open a credit card with lowe 's but it was denied, yesterday XX/XX/2021 I tried to apply again but it was denied. 

I went today XX/XX/2021 to the store to apply in person and it was denied, call today XX/XX/2021 at the lowe 's credit center, and ask why I am being denied. 

They told me you are blocked because the application was not finished, you can go to the store and have them apply for you, I went and they measured the same thing, this time they gave me a reference number XXXX then I got a text with a link between and when I finished they told me that unfurnately been declined at this time. I feel discriminated by LOWE 'S because he is the only one who denies me a credit card, XXXX, XXXX, XXXX XXXX and others do not deny me my credit.or your help thanks,

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 2021-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I'm writing because I noticed XXXX reported a hard inquiry in XX/XX/2021 on my credit reports. The dispute options listed on CFPB are limited. I am requesting the removal of these inquiries from my TransUnion and XXXX credit reports. 

I agreed to a hard inquiry for the pre-approved XXXX XXXX offer from XXXX. Unfortunately, the number of inquiries on my credit reports was more than I expected. I take full responsibility for this mistake and will ensure going forward to avoid making this mistake again. I was so disgusted with XXXX  practice to create multiple inquiries and that I closed my account within a matter of months. 

My husband and I are in the process of applying for a mortgage loan to purchase our family 's dream home and the negative impact of those inquiries could result in a denial of our loan or a much higher interest rate that could cost us a significant amount 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 2021-09-24 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: Upstart Holdings, Inc.
State: MS

Complaint narrative:
I'm writing because I noticed Upstart reported a hard inquiry in XX/XX/2021 on my credit reports. The dispute options listed on CFPB are limited. I am requesting the removal of these inquiries from my XXXX and XXXX credit reports. 

I agreed to a hard inquiry for the pre-approved XXXX XXXX offer from Upstart. Unfortunately, the number of inquiries on my credit reports was more than I expected. I take full responsibility for this mistake and will ensure going forward to avoid making this mistake again. I was so disgusted with Upstart practice to create multiple inquiries and that I closed my account within a matter of months. 

My husband and I are in the process of applying for a mortgage loan to purchase our family 's dream home and the negative impact of those inquiries could result in a denial of our loan or a much higher interest rate that could cost us a significant amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: LendKey Technologies, Inc.
State: PA

Complaint narrative:
Lendkey pulled my payment early. It is always paid for the first of the month and this time they ran autopay XX/XX/23. They sent the following message We are aware of an issue that caused your monthly payment to be drawn from the account enrolled for automatic payment earlier than expected. We are currently working on resolving this matter with the goal to have the funds returned within 24 hours. We will provide another communication upon completion with more information on steps to take if you were negatively impacted. We sincerely apologize for any inconvenience this may have caused you and assure you that any necessary adjustments will occur shortly. 

Sincerely, XXXX This is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I'm writing because I noticed Regions Bank reported hard inquiries in XX/XX/XXXX and ( 2 ) in XX/XX/XXXX on my credit reports. I am requesting the removal of these inquiries from my XXXX credit reports. 

When I called about an overdraft issue, I spoke with a representative, and she talked to me about the different available offers Regions had for me. I agreed to the hard inquiry to increase my credit line and refi. Unfortunately, the number of inquiries I ended up receiving from Regions Bank on my credit report was more than I expected My husband and I are currently in the process of applying for a construction loan to build our family 's dream home. The negative impact of these multiple inquiries could result in a denial of our loan or a much higher interest rate that could cost us a significant amount 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 2021-09-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WAFD BANK
State: CA

Complaint narrative:
I applied to WaFD for a HELOC on an investment property. A branch manager verbally confirmed to me on XX/XX/XXXX that WaFD makes such loans, and these are clearly advertised on the web site here : XXXX XXXX XXXX However, after submitting all relevant information for underwriting and paying for an appraisal, my application was denied. The reasons stated on their denial letter were : " We do not grant credit to any application on the terms and conditions you have requested '' and " Second lien on Investment HELOC behind another lender '' This denial appears to say that the bank does not offer HELOCs on investment properties. I pointed out the discrepancy between WaFD 's verbal communication and online advertising and the result of my application. When I insisted on a more thorough explanation, the branch manager insisted " Yes, we offer HELOC loans. We do not however offer them under the terms you have requested. '' The branch manager refused to provide further information on what the terms I supposedly requested are, or what terms would be acceptable. I have requested clarification on this point multiple ways and received the same vague responses.

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 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: VA

Complaint narrative:
I receive 2-6 calls daily. Often, they will call twice back to back from two different numbers. They have also called my husband without my permission and revealed to him that they were calling for me about a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: MD

Complaint narrative:
I am a Carmax customer who purchased a vehicle from their XXXX, Maryland store in XXXX of XXXX. I also financed my vehicle through Carmax XXXX XXXX at that time. On XX/XX/XXXX, I visited the XXXX store to make my car payment and was told there was an issue with the credit card processor after swiping my card for payment. I logged into my bank account and verified that the payment had indeed come out of my bank account, showed proof of the payment to the XXXX XXXX representative handling my payment, and was told I was good to go. Two to three weeks later, I began receiving collection phone calls from Carmax XXXX XXXX several times a day, claiming that I had failed to make payment for the month, despite having explained what had happened to each Carmax associate who called. After verifying with my bank that the payment made on XX/XX/XXXX at the XXXX store had in fact posted as a final charge, and hadnt been returned to my bank by Carmax XXXX XXXX, I provided this information in addition to bank statements to prove that the payment has been made on time. Over the next few weeks, I continued to receive collection calls, even though Id taken copies of my full bank statement to the XXXX store as instructed, faxed Carmax XXXX XXXX these documents and screenshots of the payment screen provided by the Business Office at the XXXX store as instructed, and spoken with numerous Carmax XXXX XXXX associates along the way on everything that had transpired. Since XXXX of this year, I have been dealing with this horrible ordeal and JUST received resolution today, XX/XX/XXXX. As a result of Carmaxs mishandling of my information, failure to follow appropriate processes for troubleshooting and remediating the error, and system glitches at the XXXX store, my credit score has dropped XXXX  points. After receiving proof of payment documentation, Carmax XXXX XXXX STILL managed to report a delinquent payment history to the credit bureaus. Soon after, I received notification of a flag on my credit report and immediately contacted Carmax XXXX XXXX to beg them to fix the issue to avoid any further negative reporting. That was not done. Carmax issued a refund for my XX/XX/XXXX payment in late XXXX and informed me that as soon as I made the payment again, the funds would immediately be applied to my account and the payment would be backdated to the date I made the payment at the XXXX store, XX/XX/XXXX. That also did not happen. I found out, just last week, that Carmax XXXX XXXX had also failed to backdate the payment to XXXX with their internal Accounting team, thereby triggering the automated system to send a negative report to the credit bureaus that my account was delinquent and past due, thereby causing my score to drop by XXXX  points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
So I was told by the XXXX, XXXX, Transunion, and XXXX that they have verified a public record on my credit report. XXXX, Transunion, and XXXX all claim to have verified this information with their third-party vendor XXXX who also uses a third-party vendor to verify their information known as XXXX. I recently received information from a dispute with XXXX and they reported that they verified a chapter XXXX bankruptcy filed on XX/XX/2016 and XXXX on XX/XX/2016. The problem is all 3 bureaus have different information but they all reported on the record that they verified this information with XXXX. It is my right to have accurate information about me reported and since it has not been properly done I want the information removed from my credit profile or I will get a lawyer and sue each bureau for placing false inaccurate information on my credit profile.

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 2021-09-24 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: MS

Complaint narrative:
I'm writing because I noticed XXXX reported a hard inquiry in XX/XX/2021 on my credit reports. The dispute options listed on CFPB are limited. I am requesting the removal of these inquiries from my XXXX and Equifax credit reports. 

I agreed to a hard inquiry for the pre-approved XXXX XXXX offer from XXXX. Unfortunately, the number of inquiries on my credit reports was more than I expected. I take full responsibility for this mistake and will ensure going forward to avoid making this mistake again. I was so disgusted with XXXX  practice to create multiple inquiries and that I closed my account within a matter of months. 

My husband and I are in the process of applying for a mortgage loan to purchase our family 's dream home and the negative impact of those inquiries could result in a denial of our loan or a much higher interest rate that could cost us a significant amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase has not resolved my dispute with a merchant that owes me credit. Chase claimed Visa does not allow them to submit for dispute on the items due to the age of the item. However, this is incorrect as Visa does provide full recourse in my situation as outlined in my documents attached. Chase mishandled my matter and I plea and demand this matter be resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
This is about Credit Karma. They have seized/locked my account and illegally taken my money without warning or explanation. I have called several times and sent many emails, all to no avail. 

I have been using Credit Karma since XXXX of this year when XXXX XXXX offered them as a way to receive our tax returns refunds. We received the tax refunds, and now, also have started receiving the Stimulus Child Tax Credits as well. 

I am also using this account to make regular payments and also receive part of my wages. 

Then out of nowhere, on XX/XX/XXXX, last week, I realized that all my payments were being rejected and nothing was going through with my Credit Karma debit card. 

I called them the next day, XX/XX/XXXX and tried to find out what was going on. I was told by the customer service rep who answered the call that she didn't and couldn't tell me anything but that somebody will look into it and contact me again. 

I received an email the next day requesting my ID which I immediately photocopied and sent both mine and my wife 's. 

Since then, it's just been series of emails and they still have my accounts and funds locked. My wages were not able to deposit and had to be returned and I'm still making arrangements to be able to receive my pay. 

This situation has is causing not just embarrassments, but trauma and having to go without money for all this while.

Company response to consumer: Closed with explanation