vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: USCB Corporation
State: KY

Complaint narrative:
I have two agencies trying to collect on the same account. XXXX XXXX XX/XX/XXXX USCB corp XX/XX/XXXX both for XXXX XXXX which I only had one account with them, took classes there once four years ago, had a payment plan but had to stop doing classes due to a layoff at work, did inform them what and why. Original collector not on my report but now I have two other agencies trying to collect, disputed but said information is correct and everyone is telling me no that there's only one account even tho two are showing up on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I hold 6 private student loans with Navient. I had previously set up monthly automatic payments to cover each of these loans for {$290.00} monthly. The last payment made was on XX/XX/2020. I did not receive notice of any account changes from Navient by mail or email regarding my loads or monthly payments. 
I received a notice of monies due in XXXX of {$84.00} termed a " past due notice '' via email. I paid this ( although I was unsure what it was for and should have looked into it. ). This, I learned today was not applied to any " past due '' balance but applied to my total load debt with Navient. Therefore maintaining delinquency of my account. 
I received an additional call today informing me I was delinquent on my payment with Navient because 4 of my 6 loans had " fallen off '' of the repayment plan. I investigated my bank statements and no deduction has been taken since XX/XX/2020. 
In addition, I was informed today that a few of my private loans had been placed in forbearance I did not request nor authorize this. 
I have great concern that Navient is not following the terms outlined in the truth in lending act nor the terms they have set with, at the very least, this borrower to ensure communication is concise and easy to understand. I believe situations like these only benefit the lender, who is then able to collect late fees and extended interest fees. 
I attempted to ask very specific questions of the Navient representative today who could not provide me with information to understand how my account is being managed without my consent to these changes. I enrolled in a new payment plan and the recording specifically states that the payment plan will not be altered unless i request. I have high doubts this will occur as Navient has a proven track record of confusing and misleading borrowers for their gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: NH

Complaint narrative:
I refinanced my home that was purchased in XXXX. My mortgage has changed servicing companies a few times over the years and has always been seamless. The refinance was done through Mutual Mortgage and closed on XX/XX/XXXX. There was a signed agreement to disperse escrow funds to the town where the house is located. This is a split property where I have 2 acres in XXXX NH and 4.5 acres in XXXX NH. My home is in XXXX and of course the bulk of my taxes are owed - XXXX XXXX yearly. The town of XXXX gets about XXXX XXXX  yearly. The XXXX taxes were due in XX/XX/XXXX for {$2400.00}. As of this writing, Mutual has dispersed {$86.00} in taxes to XXXX and {$0.00} to XXXX. My escrow is well funded with over {$4600.00} balance. I began making Mutual aware of their failure to pay these taxes in XXXX. The town plans to place a lien on the property on XX/XX/XXXX. Of course if this happens my credit rating will crater and my home would be in danger. After numerous calls and emails to Mutual, my issue was place with a resolution specialist named XXXX. XXXX informed me of such and said she would get back to me no later than XX/XX/XXXX with a resolution or update. This is the 3rd deadline I have been given for resolution by this company and they have never honored one of them. Emails to XXXX starting on XX/XX/XXXX have gone unanswered. Calls to XXXX have gone a voice mail box that is full and not taking messages. When I closed on the refinance one of the pages I signed stated that taxes of {$2400.00} would be paid on XX/XX/XXXX and {$3000.00} paid on XX/XX/XXXX. This was signed in presence of notary. Of course penalties are accumulating daily. Can I demand a return of my closing costs and refinance with a reputable company? Can I file suit for potential damage to my credit or possible action to take my property? Or are they just allowed to do this to people? Mutual Mortgage is a subsidiary of the Mutual of Omaha company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I am writing in today about my Car lease with Kia Motor Account # XXXX. This account is reporting a late pay in XX/XX/2020. I would like to address this matter. My account was on autopay the entire duration of the loan. Upon extending the lease I was under the impression that the payments will continue being withdrawn out of my account. Unfortunately that did not occur yet the minute I was made aware of this issue I made the payment and fixed the problem as not to have that again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: DE

Complaint narrative:
Called to cancel my ACH payment in order to refinance my loan, SLS still took payment automatically after I had called to cancel. They said it takes time to process but if my payments are late I am the one who will get punished. They can do whatever they want and call it a processing delay and not be punished.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I was given a line of credit without my knowledge by American First Credit Union I got a lump sum check did they held in my account with let me spend but they gave me the line of credit without my knowledge of what was really going on the lady told me I could use this money as a way to offset them holding my check this was a bad business transaction that they did to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have contacted Transunion, XXXX and XXXX  many times about unauthrized inquiries on my credit file. They either don't respond, or they send me a very vague letter of response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
Round point sold my mortgage to XXXX XXXX XXXX in the fall. Round point sent the wrong amount for taxes due to XXXX XXXX pa tax office. The money left my escrow on XX/XX/XXXX XXXX the check was returned to round point because the XXXX  XXXX tax office does not accept checks that are the wrong amount.. Unfortunately no one told me this and I was never given the XXXX back that they took out of escrow. So now my taxes are late. No one can find my missing escrow. None of this is my fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ability Recovery Services, LLC
State: KY

Complaint narrative:
I have two agencies trying to collect on the same account. Ablty Recvry XX/XX/XXXX XXXX XXXX XX/XX/XXXX both for XXXX XXXX which I only had one account with them, took classes there once four years ago, had a payment plan but had to stop doing classes due to a layoff at work, did inform them what and why. Original collector not on my report but now I have two other agencies trying to collect, disputed but said information is correct and everyone is telling me no that there's only one account even tho two are showing up on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: FISERV FINXACT CORE
State: SC

Complaint narrative:
I was using clover XXXX XXXX for both of my XXXX, note I have been using this service since XX/XX/2020. The week of XXXX XXXX, I XXXX  many vehicles due to tax refunds dropping and I used my clover flex machine to process these transactions, all approved! Immediately, the credit risk department raised red flags and held my funds. The total amount was {$22000.00}. They only gave me a partial of my funds in the amount of {$10000.00}, and continued taking fees out of my account. They rejected {$5500.00} without even notifying me to let me know. All of my XXXX  have their XXXX, and I have not even half the money. They asked me 100 questions, made me send XXXX XXXX XXXX ( XXXX ), 3 months of bank statements ( which made NO sense ) and told me my funds were to be released within 24-48 hours. I keep getting the runaround. They are now saying they refunded my XXXX of {$3500.00}, which has not even been processed, and NOW saying they are holding on to the rest of my funds and terminating my account. I have XXXX kids and trying to make an honest living out of what I have, how is this legal? I need to know my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: CA

Complaint narrative:
There was a student loan taken out in my name. I've already sent in a few FTC Identity Theft claims as well as police reports, yet the student loans continue reporting on my credit report. My understanding is that the furnisher or CRA has 15 days to make a decision on my identity theft report, yet, it's been years and still nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: World Acceptance Corporation
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEW IMAGITAS, INC
State: MO

Complaint narrative:
I think it is totally illegal for companies to show a rate that may be out of date with no disclosure. Its a way for them to get your info and then nonstop bombard you. Rates should be up to date or within a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is my THIRD time contacting these bureaus to fix issues on my credit report. I have not ANYTHING updated on my credit report since XXXX. NO RESPONSE WAS SENT TO ME NO UPDATES. THIS IS SUPER UNPROFESSIONAL. As a consumer I have rights and they have violated FCRA/FDCPA AND USC 15 1681 ( 2 ) i. These accounts need to be removed I dont want an investigation as I have been asking for one for 3 months at this point they are in straight violation. I tried contacting them via mail, phone call and FAXING and nothing was resolved. I dont want an automated answer stating this is not me I sent you my ID my bank statement along with the social so please save me from the stalling, I have lost patience at this point. 

I ALSO MY NEW ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. PLEASE CHANGE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
In XX/XX/XXXX, my auto loan was charged off, after several attempts on my part to bring the loan up to date with no assistance from American Honda Finance. This year as I was reviewing my credit report as I do every year, I noticed that American Honda Finance reported this same charge off as a new debt to all 3 credit bureaus. Each with different information as to dates, payment history and amount owed. This is inaccurate as the charge off has been over 7 years old and should be removed from my credit reports immediately. I notified all 3 credit bureaus and 2 successfully removed them because American Honda Finance could not provide proof that I owed this debt. XXXX did not remove the debt and has now updated my profile with even more inaccurate information that American Honda provided them. This information has yet to be provided to me as I have asked multiple times. According to the XXXX rep, that I spoke with today, the debt will continue to be reported until XX/XX/XXXX, while their response to me in writing is that the debt will continue to be reported until XX/XX/XXXX. Again inaccurate information. This debt should have never miraculously reappeared in XX/XX/XXXX, as this was the year that it was to be removed. I am concerned that American Honda Finance will continue to report this debt every year in order to harass me. I need any assistance I can in this matter, as this is hindering my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
XX/XX/2020 DEBT RECOVERY SOLUTIONS , LLC add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transfered/sold and i am no longer responsible for the account. 
Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, DEBT RECOVERY SOLUTIONS , LLC has violate my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I recently filed a complaint with the XXXX XXXX XXXX in regards to an entity known as Pro Collect. The issue pertains to an item that was posted to my consumer credit file with XXXX XXXX in the amount of XXXX. The item was not validated and I was never afforded the opportunity to respond to the accusation. 
I was never given notification by Pro Collect of the alleged debt prior to it showing up on my credit report I was never given the opportunity by Pro Collect to request documentation that could validate the alleged debt. 
I was never given notification that I had 30 days to respond to the accusation of debt by Pro Collect before it could be assumed as pertaining to me. 
I did not receive written notice of : The amount of the debt, or the name of the creditor to whom the debt is owed. 
I received notice from the XXXX  that Pro Collect had sent a response to them. In the response Pro Collect states that there are somehow multiple alleged debts regarding this item, totaling XXXX which until that very moment had never been revealed to me. I have found out about the alleged total balance of this alleged debt that Pro Collect appears to be attempting to collect on via a third party which is a clear violation of the Fair Debt Collection Practices Act ( Section 805. Communication in connection with debt collection ) { ( b ) Communication with third parties }. This is merely one of many violations of the FDCPA by Pro Collect that is known to me at this time, it is as if they are truly immune to the FDCPA and know that they will not be held accountable for these actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have contacted XXXX, XXXX, and equifax many times about unauthrized inquiries on my credit file. They either don't respond, or they send me a very vague letter of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have contacted XXXX, experian, and XXXX many times about unauthrized inquiries on my credit file. They either don't respond, or they send me a very vague letter of response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
all credit agencies reporting fraud, under age during time account opening and outdated accounts not my mines and never done business with companies : " DISCOVER FINANCIAL SERVICES, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX '' ... .REMOVE ALL FROM FILE ASAP

Company response to consumer: Closed with non-monetary relief