vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I got behind on my mortgage do to XXXX and medical problems and we took in a XXXX XXXX. I have since fixed the problems and am able to make my payments but I am not able to make the XXXX PNC is asking for. I have called to make arrangement maybe to pay this over a 6-9 month period to get caught up but they told me I could not. I do have some of the money to pay now but they wont take anything except the full payment. We have lived here 27 years and I do not want to lose our home. We are hard working and have had some bad luck but I have no doubt I can get this turned around if they would work out an agreement to let me pay it back in 6-9 months. I can not do it all at once- thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
We have 2 loans w/ Loan CarXXXX XXXX. We were in a Forbearance plan for both, however we continued to make regular payments during the forbearance period. 

Loan Care misapplied or didnt properly credit our payments to the loans. 

Because were afraid of losing one home, & being forced to take a 40 year loan on another, that we only owe {$27000.00} on, were forced to find loans in order to borrow to payoff the loans. 

Loan Care wrote us saying we were in default on one, even though we followed their Modification terms properly & they are forcing us to refi for a unreasonable amount of time, 40 years on the other. 

We have asked for payoff letter verbally, multiple times & went to myloancare.com & requested a payoff. It took us over several weeks, after multiple requests to finally get one & the interest charged on the payoff letter is drastically Overstated. 

Theyre trying to charge us interest for a Full Year, instead of a month/fraction of a month. 

This interest Overcharge is added to our payoff statement & we believe that our Principal is overstated, because our payments were not applied Properly.

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 2021-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Lending Club Corp
State: CA

Complaint narrative:
I tried to open a high yield savings account advertising .60 % interest. Confirmed via phone call that account could be used for a partnership. Filled out forms and provided ACH transfer details to fund account with {$100.00} which was transferred from my bank account to LendingClub Bank. After the {$100.00} was received by LendingClub Bank they informed me that partnerships could not use a high yield account and that instead they had opened a basic savings account paying .01 % intertest. I requested they close the account and return the {$100.00}. They closed the account but have refused to refund my deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-09 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On my credit report is shows i tried to open a credit card with the store names XXXX on XXXX XXXX 2021. I did not open any credit cards with any store. I would like it remove from My credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi, this is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was told that I was supposed to get an answer from you but to this date, over 30 days have passed, but I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes, My information was also affected by the XXXX data breach so please investigate this matter immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: N.A.R., Inc.
State: NY

Complaint narrative:
There is a debt collection agency entitled NAR Inc appearing on my credit report that is significantly hurting my credit score. This charge showed up as a result of identity theft which has been verified by both the credit agency and NAR. NAR has indicated that I do not owe them any money but have not removed the account from my credit file which is impacting me significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I opened an account with Commenity Capital Bank in XXXX, 2021. I forward my payments every month, but they have been posting the payments to the wrong account. I have made five payments ; they have posted three of them to the wrong account. They then call me repeatedly asking for the payment. I have sent numerous letters to them in response, but they are still posting the payments to the wrong account. This account was set up to be paid in 24 months, and as long as all of my payments are received in time, the bank can not charge interest or late fees. I am in jeopardy of being charged interest and late fees because the bank continues to post the payments to the wrong account. Also, I am being harassed by their employees calling demanding payment, which I have sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-09 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: The CBE Group, Inc.
State: SC

Complaint narrative:
XXXX XXXX in XXXX SC turned me into collections after I paid the bill have approx XXXX infractions of collections on credit report after bill paid in full, history of paying since day one over contractual amount hospital wanted ( XXXX a month but paid above and over this amount ) continue to be on credit until XXXX this year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient has a " Document Upload '' form on their site that never accepts documents that you absolutely need to upload, requirements for things like an Income-Driven Repayment Plan. I have tried using this form on multiple computers and it's just not working. They also have no general customer service email to get help with the situation. Not to mention that a form I have already given them in the past has the information they are looking for now. They seriously try to make everything increasingly difficult. I have been working to upload a single form for the last hour and a half. Something that should have taken 1 minute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Regarding reversed mortgage with PHH Mortgage - loan number XXXX I am a surviving spouse of my husband, XXXX XXXX XXXX, who passed away on XX/XX/XXXX. My husband had a reversed mortgage as of XXXX. I did not have the age to qualify, had to sign quit claim deed. ( am not on the deed now ). I was identified and qualified as the Non Borrowing Spouse by the previous mortgage co. XXXX Mortgage. All my information was uploaded to XXXX for final determination on XX/XX/XXXX. I called many times for an update, no red flags, everything was okay. Then mortgage was sold in the last couple of months to XXXX XXXX who sold it again to PHH Mortgage. PHH send me a letter that I do not qualify for the XXXX program, since loan is considered 'unassignable due to assignments of mortgage unable to be corrected. ' When I ask them about it, that I want to know what it means ( in writing ) and who made this determination, they say they can not discuss the loan with me, since I am not on the mortgage. At the same time they want to foreclose. I have been living in this house for 20 years, always could discuss loan with previous mortgage co. ( XXXXXXXX XXXX  ) pay property tax, renewed home owners insurance and flood insurance ( both with my name on it ) fulfilled all requirements to stay in the house but now they want me out, without discussing it. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: AR Resources, Inc.
State: SC

Complaint narrative:
XXXX XXXX in XXXX SC turned me into collections after I paid the bill have approx XXXX infractions of collections on credit report after bill paid in full, history of paying since day one over contractual amount hospital wanted ( XXXX a month but paid above and over this amount ) continue to be on credit until XXXX this year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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 — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
I am writing to inform you and to dispute a credit card issue. I was approved for a credit card with AvantCard on XXXX XXXX in the amount of {$300.00}. On XX/XX/2021 at XXXX EST, I received an email from AvantCard saying " this email is to confirm that your AvantCard has successfully activated! 

I called customer service at XXXX and informed them that I never received a card, so how could the card be activated. The representative informed me that a statement was due in XXXX days and that the card was used in Washington DC. The representative proceeded to cancel the the card and said that a new card was issued. 

I received the new card, activated that card and attempted to use the card and it declined. I called customer service again, and was told by the representative that I was responsible for a card that I never received. I also asked the question how was the card activated without a social security number. 

I am kindly asking that this matter be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I, XXXX XXXX, am a natural person and I do not have a relationship with Hunter Warfield. I do not know why they are reporting this erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: NY

Complaint narrative:
Citibank ATM ate my {$1800.00} and gave an transaction error receipt and I reported it to the bank employee immediately its been 8 days now with no cash back in my 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 monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
For four months I have tried to resolve the issue of my XXXX  loan modification with LoanCare , LLC. LoanCare rep stated it was mailed in XXXX, however we never received it. I've made numerous phone calls asking to have this paperwork resent and/or emailed with negative results. I reached out to the XXXX for help in this matter, with NO assistance. 
On Tuesday, XXXX XXXX, XXXX I was finally able to get a rep to email the paperwork. We got it notarized on XXXX XXXX and overnighted on XXXX XXXX. I called on XXXX XXXX to make a payment and they refused. 
My spouse and I have lived at this property for over XXXX years, and are now starting to feel this company is trying cause us to lose our home!!! You can NOT get through and speak to anyone within a reasonable time. You cant speak with the same individual. This is an absolutely horrible company that is NOT bound BY any ethical principles.

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 2021-12-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
This was a XXXX lease through ALLY Financial that was paid in full with no late payments. I was contacted sometime after the vehicle was turned in with a claim that there was " scuff marks '' on the rear fender. This minor damage was not done by me but by the dealership ( I witnessed the vehicle being driven around town after I turned it in ). After several weeks of harassment and constant calls by ALLY FINANCIAL I agreed to pay a lower amount in order to stop the constant phones. At no point in time did the topic of a " settlement '' come up and in fact they considered the matter closed after we agreed to a final amount ( even though the damage was not done by me ). FYI - my credit score at the other two credit bureaus is XXXX & XXXX.

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 2021-12-09 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: MD

Complaint narrative:
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: MD

Complaint narrative:
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my XXXX XXXX I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much XXXX XXXX, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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 did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my XXXX XXXX I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much XXXX XXXX, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: IN

Complaint narrative:
A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX .... 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX

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 2021-12-09 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My accounts started to act weird and every time I tried to explain to them that a charge that kept reoccurring wasnt mine and they would fix it for the time being and it would happen again the next month. Ever since then I havent been able to keep up with my payments because it keeps charging me for the reoccurring transaction and then comes a interest fee making it even harder.. Then shortly after all this happened, my card was stolen and my account was hacked. I tried to get on and change the password but every time I tried it kept saying error. On XX/XX/2021 was the first time I noticed my account was being hacked. The person tried to pay the account off and use it for their personal needs. The amount for that transaction on Capital One account : Payment : XX/XX/XXXX, XXXX {$2000.00} Returned Payment : XX/XX/XXXX, XXXX {$2000.00} Payment : XX/XX/XXXX, XXXX {$1800.00} & {$120.00} Returned Payment : XX/XX/XXXX, XXXX {$1800.00} & {$120.00} Payment : XX/XX/XXXX, XXXX {$800.00} Returned Payment : XX/XX/XXXX, XXXX {$800.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX {$90.00}

Company response to consumer: Closed with explanation