vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC
State: KY

Complaint narrative:
I have never been late, aside from postponing payments but theyve always been made. I recently contacted customer service and their COVID department and explained that I have XXXX XXXX was recently exposed to XXXX. They asked me to provide the last check stub Id receive while in quarantine because I wont be working for awhile. I told them on a Tuesday XXXX XX/XX/XXXX ) I would have that on Friday XXXX XX/XX/XXXX ). They advised me I would still be receiving calls that Im delinquent which was fine but when the representatives would call they would refuse to tell me where they were calling from. Again, annoying but fine. Today I call back and I am advised that even though Im reaching out for assistance and help to postpone my payments and protect my credit with the last {$500.00} Ill have for 2-4 weeks, the representative told me I will still be required to submit a payment, as well as, if not, Ill still be reported as delinquent. 
So here I am trying to keep my credit decent, feed my family, and survive the quarantine on {$500.00} with 3 children, and Mobiloans is just concerned about getting more money from me. Theyve collected so much in fees from me since I became a customer XXXX poor choice on my part XXXX that my car could probably be half way paid off ; a total amount of fees charged in 2020 is {$2300.00}. If it were me just taking a month vacation for fun, that would be different. I didnt choose XXXX quarantine. No one did. Mobiloans feeds on the innocence of struggling individuals with no remorse.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Flandreau Santee Sioux Tribe
State: CA

Complaint narrative:
I received a call from a XXXX XXXX at XXXX, claiming that they attempted to deliver a package and if I didn't call they would return it. When I called the number they left me XXXX a man answered didn't identify himself and said I owed {$1100.00}. If I agreed to settle for {$600.00} by the end of the month or paid {$97.00} a month I would not be served a judgement. When I looked into it. It was for a payday loan back in 2012 and the past due was {$450.00}. I also received an agreement for installment from a XXXX XXXX. I responded back to the email requesting further information as the amounts did not add up. When I looked up the actual pay day loan company, they do not exist anymore and they also were not authorized to lend anyone anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
this is my second letter to convergent outsourcing,XX/XX/2020 and XX/XX/2020 and they have not responded to neither letter or given me the information that i requested. Please assist me in this matter

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 2020-10-08 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: AZ

Complaint narrative:
They haven't removed the card from my report as promised. I have a police report i submitted to them and they still haven't kept they word.

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 2020-10-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
They haven't removed the card from my report as promised. I have a police report i submitted to them and they still haven't kept they word.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: AZ

Complaint narrative:
They haven't removed the card from my report as promised. I have a police report i submitted to them and they still haven't kept they word.

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 2020-10-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America keeps adding 3- {$4.00} per transactions. I use BOA teller - they charge me ATM fee. For using BOA. 
I purchase on XX/XX/2020 large pan of rice and beans from XXXX XXXX receipt I signed was $ XXXX my XXXX says BOA charged me {$88.00}. XX/XX/XXXX XX/XX/2020I purchase chicken I digned the receipt for $ XXXXBOA alerted me with a transaction of {$23.00}. This had been going on since I had this account. Ive filled a complaint with the mass attorney general office. Called BOA to dispute these charges stayed on hold for2 hours then to a lost transfer. I would like a call back to help me get my stolen money back from BOA

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 2020-10-08 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: MD

Complaint narrative:
I am a victim of identity theft, I never authorized any of these accounts. These accounts hurting my credit score and I being victimized by the bureaus.

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 2020-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Yes my complaint is with zelle there add states that you can send or receive money safely and secure the word secure means that they are garunttee that it will be covered and they are deing my claim and I did what that said I desputed it with in the 4 days they say in there app I feel that they are very miss leading and false info on there part because I'm now out of XXXX dollars that I sent and was scammed but there sight says safe and secure I feel they should be held responsible for action and what the app says safe and SECURE means they will stand behind what they say but they should have to pay me back for false info they are saying

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: GA

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT AND DO NOT BELONG TO ME THESE ACCOUNTS WAS OPEN FRAUDULENTLY SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THEM I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Opened a CitiBusiness AAdvantage card on XX/XX/2020. There was a sign up bonus offer of XXXX XXXX XXXX miles if I met the minimum spend of {$4000.00} withing 3 months. I met the spending threshold within the 3 months ; I never received the signup bonus. I have spoken with Citi on 12 occasions to discover and remedy the problem. Citi bank claims I already received this sign up bonus, but they have confused my business with my XXXX XXXX  business since we operate out of the same address. I eventually got their business team to agree that they made a mistake, but it appears someone on their side " dropped the ball '' any they are still refusing to award my bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX and XXXX of XXXX, I experienced technical difficulties with Capital One processing my credit card payments for my accounts through the app. For some reason the system would not take payments but after attempting to process the payments more than 3x, the system was reflecting that a payment was not due. I had to pay the late charges but I was advised back in XXXX of XXXX that the payments would not be reflected to the credit bureaus as late. Once I received notification that the late payments had indeed posted, I immediately sent notice to Capital One to have these erroneous late payments removed. I never received any correspondence back from Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
First I would like to say I am an heir to this property. as well as the executive of the estate. My late brother XXXX XXXX passed in XX/XX/2019. I have been making the mortgage payments through my bank account. Mr. Cooper, who brought my loan gave me a really hard time and would not discuss anything concerning the mortgage. I have on numerous occasions fax them information on who I am and my interest in the property. Finally, in XXXX they acknowledge that I was the successor and offered me a XXXX deferment. I explained to them I was to shelter in place due to my age and pre-existing health challenges and was unable to continue working at my part-time job driving for uber eats. 
What they did as I near the end of my deferment was unacceptable they told me a young lady by the name of XXXX that the 3 payments would be put on the back of the loan. She said on XX/XX/XXXX I would make my regular payments. Then about 1 week before my payment was due ( XXXX ) I called them and they informed me that the underwriting dept denied my claim. They never sent a letter to inform me.of this What they sent was a modification letter. I feel they should get their facts straight and quit treating me with so much disrespect. I struggled to send them the 3 months of forbearance plus the current payment for XXXX they are not honest people at all..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: LA

Complaint narrative:
I HAVE SENT 2 LETTERS TO RECEIVEABLES PERFORMANCE MANAGEMENT, LLC : ( XX/XX/2020 XXXX ) AND THEY HAVENT RESPONDED TO NEITHER OF THEM AND ITS STILL REPORTING NEGATIVE WITH THE CRAs. THEY HAD 30 DAYS TO NOTIFY ME OF THE INITIAL COMMUNICATION BUT DIDN'T AND NOW ITS A VIOLATION OF MY RIGHTS.

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 2020-10-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have requested XXXX, Experian, and XXXX  update my credit reports. So far they have not. I need each bureau to update my account per my attachments. This information can be verified with XXXX XXXX XXXX XXXX who has also verified that no bureau has contracted them about my disputes.

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 2020-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I will be the first to admit I've had problems making timely payments and have received assistance before. However, COVID brought about an entirely new set of issues when I was first furloughed, and then diagnosed with XXXX. After a long period off and many days not even being able to work, I am finally back to work and able to maintain payments again. Bridgecrest set my car for repo last month. I paid {$320.00} at that time and my wife was told over the phone that after the {$320.00} was paid that we could work put a payment arrangement for the past due. That never came to fruitition and once again this month my car was placed for repo. I had applied for a private loan to help me cover the cost, so I set up payments online. I ended up not getting that loan so the payments bounced. Then this morning with no warning the repo man was in my neighborhood. My wife had the car at the store so he left. My wife called bridgecrest to try to get them to make good on their offer to work payments out with us due to covid, if we made last months payment. She was told no such courtesy will be extended. Because had problems in the past we are apparently not allowed to be affected by covid? Despite being 1st furloughed and then contracting the XXXX. We were told despite claims on the website and emails that no help is available. My wife asked to set an arrangement for the {$1000.00} past due to be paid on XX/XX/16 when I get my paycheck. She was declined. She was told {$320.00} today or the car gets picked up. Zero empathy, zero willingness to work with us on this issue caused by XXXX. Zero notice given that the car would be picked up today. Most companies are working with XXXX affected clients. But bridgecrests standpoint is that if you've had past problems with payments, you aren't entitled to have XXXX problems.

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 2020-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
This complaint is about my mortgage company NewRez. I found a better price for homeowners insurance. The policy went into effect XXXX. They decided to add flood insurance in the escrow account also. Someone missed the documents from Fema. I have sent the documents 3 more times since then. Even certified. I called again today XXXX and they still have not removed the flood insurance. I have a letter stating from XX/XX/XXXXthat they determined that I was not in a flood plan and would fix my escrow account. I have been over paying my house payment for 10 months now and still can not get this problem solved.I am promised every month that this problem will be resolved and my money will be returned. They owe me hundreds of dollars and still refuse to fix my escrow account. Unbelievable. Can you please help me with this matter. 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-10-08 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: Herbert P. Sears Co., Inc.
State: NY

Complaint narrative:
i communicate several times with XXXX  XXXX  To Remove THAT errors FROM MY CREDIT REPORT, THEY DID NOT. I WAS NEVER LATE PAID ON TIME AS AGREED. THEY TOOK my car and didn't NOT Want TO do BUSINESS WITH ME.THEY CHANGE ACCOUNT STATUS from late AFTER 3 YEARS and it IS reporting as a REPOSSESSION. Now They Sell it TO COLLECTIONS Company HP SEARS, ALLEGED account # : HP SEARS ( ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX # : XXXX .Address is XXXX XXXX  XXXX, XXXX , CA XXXX, THEY REPORTED TO CREDIT BUREAUS AGAIN and RUIN MY life and CREDIT.. 


THANK YOU

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 2020-10-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
i communicate several times with XXXX  XXXX  To Remove THAT errors FROM MY CREDIT REPORT, THEY DID NOT. I WAS NEVER LATE PAID ON TIME AS AGREED. THEY TOOK my car and didn't NOT Want TO do BUSINESS WITH ME.THEY CHANGE ACCOUNT STATUS from late AFTER 3 YEARS and it IS reporting as a REPOSSESSION. Now They Sell it TO COLLECTIONS Company XXXX XXXX, ALLEGED account # : XXXX XXXX ( ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX # : XXXX .Address is XXXX XXXX  XXXX, XXXX , CA XXXX, THEY REPORTED TO CREDIT BUREAUS AGAIN and RUIN MY life and CREDIT.. 


THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MT

Complaint narrative:
On XX/XX/2020 I discovered that I.C. System Inc began reporting a collection on my credit report. The collection is on behalf of XXXX XXXX. I talked to XXXX, they XXXX  'XXXX  out the account and notified I.C. System that I do not owe them any money. I disputed the collection on my report. After 10 days I was notified that I.C. System had refused to remove the collection from my credit report so I called them to give them the information I was given by XXXX. When I called I.C. System I talked to a representative name XXXX XXXX employee number XXXX and told him that XXXX  had verified that I do not owe them anything. The amount in collection is listed as {$280.00}. I gave Mr XXXX the name of the contact person from XXXX  who is XXXX and the reference number she gave me to confirm our talk and that I do not owe anything. The XXXX  reference number is {$280.00}. Mr XXXX told me he would file a dispute. Today I received the result s of the dispute which said they would not remove the collection from my credit report. This is false reporting. 

In addition, I was not given 30 days to dispute this collection. Had I.C. System follow the required credit collection laws, they would have contacted me, I would have proven that I do not owe the {$280.00}. and it could have been resolved before ever having a collection. 

I have current service with XXXX  and they can verify that I do not owe them for a past due account nor am I late on my current account.

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 2020-10-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT AND DO NOT BELONG TO ME THESE ACCOUNTS WAS OPEN FRAUDULENTLY SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THEM I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the XXXX  XXXX  and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation