vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: eToro USA LLC
State: TX

Complaint narrative:
I sent a wire transfer on XXXX to Etoro exchange US and they acknowledged it but it did not post to my account. I opened a complaint cases XXXX, XXXX, XXXX attempting to resolve where my money was. I received responses and uploaded bank statements identifying myself and my spouse until XX/XX/XXXX and then they stopped. I then called my bank to attempt a reversal of the bank wire on XX/XX/XXXX and put in an FTC complaint on XX/XX/XXXX. Within minutes of the FTC complaint all of my cases got a response that they will send the money back. I am waiting but not confident this will happen and I want this documented in case anyone else goes through this " virtual Loan '' Etoro has had with my money in limbo as their float.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I paid XXXX and the payment instead of being applied for XX/XX/XXXX it was applied to XX/XX/XXXX2021 month and I had already made XXXX 's payment. They told me I still owe for XXXX since it was applied for previous month. This is unfair and if I don't come up with the money it will generate a late fee and I feel this is unfair and wrong. They don't even want to correct the payment and apply it to XXXX. My payments are due by the XXXX of each month and I feel any payment recieved in that month should apply for that month. This is nothing more then to generate a late fee if I can't come up with the payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
We are in the middle of COVID. I was laid off temporarily over the XXXX holiday due to COVID. I called the bank to tell them I would be late on this payment due to circumstances out of my control. They understood and were supposed to work with me on this. I missed XXXX 's payment but returned to work and paid this immediately. There was not supposed to be any negative information put onto my credit report. I just checked my credit and it shows a late for XX/XX/2021. 
This is not fair. I have never been late and the account is back up to paid to where i am scheduled to be paid on 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 non-monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: FIRST PORTFOLIO SERVICING INC
State: OK

Complaint narrative:
During the later dates of XXXX, I received a few letters informing me of a court case regarding my private student loan via 'Peaks Private Student Loans '. I continued to pay my loan as always, but then I received a letter from Peaks stating that my private loan had been settled, and that I no longer would owe on this private loan. At the time I found out this information of no longer owing a balance, I had payment that went through an ACH transaction with my bank that I had previously set up to make every month, in the amount of {$77.00}. According to the settlement paperwork, it states 'Vervent will reject or return any payment on your Peaks Loan that is received after XX/XX/XXXX. I then waited a bit to see if I ever saw a refund on the {$77.00} that was debited from my account via ACH, but I never received the refund. So on XX/XX/XXXX I spoke to Peaks Loans, and did as XXXX requested by emailing a bank statement with the withdrawal information, and a trace number the bank provided me for this {$77.00} payment. I was informed I would hear something back, but did not, so I then contacted them again on XX/XX/XXXX. I also spoke to XXXX with Peaks Loans this day, and he wanted me to verify that indeed my payment was made ACH, so I called my bank again and verified that it was ACH withdrawn on XX/XX/XXXX. With this information I called Peak Loans back and advised them again, that it was an ACH withdraw and XXXX then placed an email to his supervisor, and once he heard something back from them, then he would let me know. On XX/XX/XXXX, I contacted Peaks Loans again and spoke with XXXX, and reassured me he had sent this email and he hadn't heard anything back, so I was to wait to hear back from them. Then on XX/XX/XXXX, I decided this was enough time, and called Peaks Loans yet again, and this time I spoke to XXXX again, and he was at a loss and tried to give me a number to call, which in fact was the same phone number in which I had just contacted him at, so that didn't go over very well with me. He then said I needed to call back in 30 minutes because his supervisor was trying to figure out who and where I needed to take this issue to. I then called back 30 minutes later, to get XXXX back on the phone and for him to advise me I would need to reach out to the 'Bureau of Consumer Financial Protection ' that there was nothing more that Peaks Loans could do for me, he also provided me with the state attorney generals name and email address. So I am starting off here by filing a complaint, to see if you all are able to follow through with getting my XXXX payment refunded to me, as the settlement letter stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
My loan is serviced by AmeriHome Mortgage Company LLC. They are responsible for paying taxes, insurance, etc. from escrow. My escrow account is fully funded however taxes for XXXX are not paid and are currently past due. AmeriHomes says they sent the payment on XX/XX/XXXX ( most companies send these is XXXX XXXX in the amount of {$4800.00}. As of XX/XX/XXXX the XXXX XXXX XXXX XXXX does not have a record of the payment. I have asked AmeriHome to please trace the payment, however they have been reluctant to do so. I have never experienced anything like this from a loan servicer in my 20 years of paying a mortgage. Please help before it's too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within days gives a reason to immediately remove those items from my credit report it had been over 45 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 cause me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again, demanding validation of the late payments on both accounts. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: KS

Complaint narrative:
I was banking with Simple which is a part of BBVA USA and had fraudulent activity on my account. I have tried multiple times to submit tickets and report it, but have yet to receive any feedback other than robo replies. I can not get a bank statement from them, but was able to look thru my transactions and write out the following charges that were not made by me whatsoever : XX/XX/2020 XXXX - {$100.00} XXXX  XXXX  - {$74.00} XXXX - {$19.00} OF - {$100.00} XX/XX/2020 XXXX  XXXX  - {$74.00} XX/XX/2020 XXXX - {$100.00} XX/XX/2020 OF - {$20.00} XX/XX/2020 XXXX XXXX  - {$19.00} OF - {$14.00} XX/XX/2020 OF - {$50.00} OF - {$20.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
We are in the middle of COVID. I was laid off temporarily over the Christmas holiday due to COVID. I called the bank to tell them I would be late on this payment due to circumstances out of my control. They understood and were supposed to work with me on this. I missed XXXX 's payment but returned to work and paid this immediately. There was not supposed to be any negative information put onto my credit report. I just checked my credit and it shows a late for XX/XX/2021. 
This is not fair. I have never been late and the account is back up to paid to where i am scheduled to be paid on 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 2021-02-17 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: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2020, MACYS/DSNB add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 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: CA

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Renton Collections Inc.
State: WA

Complaint narrative:
I received a call from a woman asking for a man i informed her to place my number as a do not call and she kept asking if i was the wife i asked her 5 times to put my number as a do not call she then proceeded to call me rude

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/2021 - Thawed Credit at XXXX, XXXX  &  XXXX  fromXX/XX/XXXX-XX/XX/XXXX : XX/XX/XXXX - Applied for Sam 's Club Mastercard from Synchrony Bank : XX/XX/XXXX - Received REJECTION letter from Synchrony Bank Reason Denied : UNABLE TO ACCESS CREDIT BUREAU due to FREEZE : XX/XX/XXXX - Thawed Frozen Credit AGAIN from XX/XX/XXXX-XXXX XXXX : XX/XX/XXXX - Applied for Sam 's Club Mastercard from Synchrony Bank AGAIN : XX/XX/XXXX - Received another REJECTION letter from Synchrony Bank Reason Denied : NUMBER OF RECENT CREDIT INQUIRIES ( Source : XXXX  ) : XXXX XXXX Obtained XXXX  Credit Report and saw 2 hard credit inquiries XX/XX/XXXX and XX/XX/XXXX from my Synchrony Bank ( SYNCBSAM 'S PLCC ) applications : ISSUE/QUESTION : 1. ) Why did I get a rejection from Synchrony Bank on my XX/XX/XXXX Application for UNABLE TO ACCESS RECORDS DUE TO CREDIT FREEZE if as noted on my XXXX  credit report there was a HARD inquiry from Synchrony Bank on XX/XX/XXXX, XXXX : 2. ) Synchrony 's INABILITY TO RECOGNIZE that they ACCESSED XXXX  on XX/XX/2021 caused me to apply for the SAM 's Club Mastercard a SECOND time on XX/XX/2021 which led to the SECOND HARD INQUIRY by Synchrony Bank and the XX/XX/XXXX rejection for MULTIPLE RECENT CREDIT INQUIRIES. ( There were no other Hard Inquiries on my XXXX  Credit Report ) : Contacted Synchrony Bank- They told me to contact XXXX  to get the hard inquiries removed & if I still wanted the card, wait 30-60 days and reapply and see what happens. : Contacted XXXX - They said ( if I understood correctly ) I would have to have Synchrony bank issue a report to me which I would then forward to XXXX stating that the 2 hard inquiries should be removed. :

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 2021-02-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within days gives a reason to immediately remove those items from my credit report it had been over 45 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 cause me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Recently received an email from my federal student loan servicer Navient, which is intended to exploit students in repayment who may not be aware that federal student loans are in a temporary 0 % federal forbearance period already. The email is intended to look like it is offering students information that may help them by responding yes to the email, but then if you scroll down in the page it goes on to read that by replying yes, you are agreeing to applying for forbearance and that you will be responsible for accruing interest, plus a list of other terms and agreements that you are agreeing to. 
This is a predatory practice because all federal student loans are already temporarily in a government mandated Forbearance, and in a 0 % interest period due to the pandemic. It is highly unethical to change students over to forbearance for financial hardship -of which you are only permitted to use for a total of three years during the lifetime of your loan repayment under normal circumstances, when the federal government has automatically put loans into this state which will not be subject to the same limitations. They are basically tricking students into waving their current rights and status, for a less desirable option which will limit their ability to claim forebearance in the future, and disguising it as help. This is only helping Navient, who will be able to limit the amount of time those students can claim forebearance for financial hardship in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX should be held responsible because I applied for a Home Depot credit card on Sunday, XX/XX/2021. The company pulled my credit report and my credit score went down by XXXX points because of it. Once my application was finished I was told someone would get back to me. I received an email stating further information is needed to process my application. So I called the company and was told they would have to pull my credit report again but only after I get my phone number fixed on my credit report so that they can verify its really me. The agency is really being unreasonable because there are a number of ways to verify a person and my credit score is good. Now I feel like my score went down XXXX points for nothing. If this agency could assist me with this matter. I would appreciate it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
My husband, XXXX XXXX XXXX. LOAN NUMBERXXXX, XXXX XXXX XXXX XXXX  XXXX, Fla. XXXX has passed away on XX/XX/XXXX. He was 100 % military XXXX and had a VA mortgage. I was left with no back up or spouses survival money because we were only married seven months even though we were together 10 years. All of the mortgage payments were paid for his VA military XXXX benefits. The check stopped arriving immediately. All I have is my Social Security which is after {$900.00} a month. I want to try to sell the house and and be able to put it on forbearance. My name is XXXX. 
Do you think you can help me I have been trying all day on the phone and have gotten in touch with absolutely nobody.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported confirmed the account as valid. In a good faith effort to resolve the matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. They have failed to comply with investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX I called Capital One about my restrict credit card balance. My balance on this credit card is {$330.00}. XXXX. I had made a payment of {$25.00} on XX/XX/XXXX which posted on XX/XX/XXXX. I only made the {$25.00} payment because I had called back in XXXX of XXXX to get on a COVID relief payment arrangement that was set up for {$25.00} payments but was not aware that Capital One was reporting on my credit report 4 late payments because I was not meeting the original minimum payment agreement that was established. The representative did not explain this to me at that time. I spoke with a Senior Account XXXX ID : XXXX by the name of XXXX she explain to me that my account was {$38.00} past due and 25 days late which did not make any sense to me. When on the mobile application there system is telling me I owe {$88.00}. Then capital one charges me late fees for the months of XXXX thru XXXX. When I am supposed to be on a Covid relief payment agreement. I am not trying to get out of my obligations to paying on this card and I do not want my account to go to collections but I have gotten no where with the customer services representative and the senior account manager in asking for some kind of relief to pay off this card because I am struggling during this time which the majority of Americans are. I really feel like Capital One does not care to have my business or to continue our business relationship at this point. This consumer is determine to pay all financial obligations and to close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Professional Finance Company, Inc.
State: DE

Complaint narrative:
Please see my previous case with consumerFinance.gov : XXXX. Professional Finance Company stated they would removed their derogatory credit report from my credit reports. It has been 6 weeks and my credit reports have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
The debt is not mines. I sent dispute letters to the debt collection agency that went unanswered. I then proceed to send the credit bureaus to dispute letters to dispute the collection and have not gotten a response.

Company response to consumer: Closed with explanation