vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
I purchased a vehicle from XXXX  XXXX  ( financed through XXXX XXXX ), XXXX GA in XX/XX/XXXX. The vehicle was repossessed in XX/XX/XXXX. I was never able to resolve the account, nor did I promise or attempt to at any time. 
In XXXX, I received a phone call from a woman saying that she was a clerk of court and she asked me about the account. The lady only identified herself as a court clerk, and threatened to come take a vehicle that I owned. She described the vehicle and the VIN number. She said that if I did not resolve the account with her, she would take my car. I told her that it was illegal and informed her that the debt had aged out asked her name and which court she was calling from. The woman hung up on me. I called the number back, and no one would answer. I called back the next day and a male answered the phone and said that it was not a court, it was Deville asset management. 

Recently, I have found the account on my credit reports. It is listed under XXXX XXXX, handled by Deville Asset Management. It is showing a payment made in XX/XX/XXXX, which I never made. I called XXXX, which gave me information for Deville Asset Management. When I called them to ask for proof of payment, the company could not provide the information, and put the supervisor on the phone. The supervisor informed me that this company is not Deville Asset management, but a company called XXXX. The supervisor then stated that the account has been resold to a company called XXXX. I have tried several times to reach XXXX, but there is no answer. The phone rings and hangs up. 

The issue is : My state has a 6 year statute of limitations on debt. The account is well over nine years old. The supervisor at velocity informed me that the statute of limitations does not apply and that anybody can come after me, no matter how old the debt. 

One of the companies falsified payment information and dated the payment XX/XX/XXXX, which would re-age the debt and make me liable until XXXX for the debt. I never made another payment on that account, it is showing as a delinquent payment on my credit report, and because I can not prove that I DID NOT make the payment, its still reporting negatively. 

No one is willing to provide proof of payment, and no one is willing to speak to me concerning the matter. I am stuck with the negative mark and none of the junk debt buyers are willing to give me any answers. It almost as if since they could not collect, they re-aged it so that they could quickly sell it as a viable debt.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
Freedom Mortgage Corporation will not endorse my insurance check for hail damage even though they have had the check for one week. I have the XXXX receipt to prove it. I even enclosed a return next day envelope.

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 2020-09-08 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: Total Card, Inc.
State: FL

Complaint narrative:
I have not worked since XX/XX/2020 due to underlying medical conditions and an essential worker at the XXXX. I have not been working i have mailed a letter to the creditors stating this and i have been marked negatively on my credit report 101 times this is bit only is a heartless but scandalous move by creditors. My husband has XXXX XXXX XXXX XXXX  we have no income coming in until he returns to the XXXX XXXX which is dangerous on top of it my credit score went from the XXXX to XXXX and they have last reported on XX/XX/2020 this is a mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: The Home Loan Expert LLC
State: FL

Complaint narrative:
XXXX I just turned XXXX about 2 weeks ago I went to apply for anew XXXX and was denied due to my credit the report stated I have loans and a Mortgage This is not true I live at home and I attend XXXX   and will be attend XXXX next year please help me clear this up my. Future depends on

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
Amerisave Mortgage took an application fee of {$500.00} saying that the could refinance my mortgage@ 2.5 % know what the income was prior to taking the {$500.00} application fee. Mortgage broker stated the underwriter was rejecting the application due to not enough income. I stated that my wife 's income could also be used.. broker asked what was her credit score. To this date I have not received anything stating from Amerisave or the underwriter why the loan application was denied.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-08 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
Over the years Carrington mortgage would remove and then replace back on my credit file. This causes my fico score to go down. I am never given my fico points back. They also dont show correct balance. I always dispute with XXXX  and company but they just shift the blame leaving me to suffer the damage of a bad credit score. It has happened again today XX/XX/2020. I put another dispute in today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In XX/XX/XXXX I began disputing charges using Barclays Arrival mobile application as I was unable to reach a company representative by phone and put a HOLD on the card. 

XX/XX/XXXX contacted Barclays using their secure message system, disputing new charges from XXXX XXXX XXXX. Received a reply at XXXX ( attached ) requesting that I call them and that they had placed a " hold '' on the account until they hear from me. 

XX/XX/XXXX mailed a letter to Barclaycard Arrival XXXX XXXX XXXX XXXX DE XXXX disputing all charges from XXXX XXXX XXXX  and requesting the account closed. 

I was able to talk to a representative after receiving the XXXX statement which included charges from XXXX XXXX XXXX  posted to the account after it had been placed on hold. The representative did close the account as I requested but failed to follow up on the fraudulent transactions posted on XX/XX/XXXX, XXXX, XXXX and XX/XX/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 monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I am an XXXX  and won a car for winning the 2018 XXXX XXXX  of the Year competition in XXXX, as well as a XXXX XXXX. 
I ended up upgrading to a XXXX XXXX, so this car is very memorable to me and my son ( single mother ). I have communicated with Ford Motor Credit regarding my difficulty in paying the car notes via telephone on numerous occasions. They allowed me a deferment of two months during COVID and no extra help since then. I called back to let them know that I was displaced out of my apartment due to a carpet beetle infestation and had to spend over {$3000.00} trying to remedy the situation myself. On XX/XX/XXXX I made my last payment ( see attached ), missed XXXX due to unable to live in my apartment ( bot flies have infested my skin from my apartment and I have fighting an uphill battle with expenses in general. My account representative with Ford Credit instructed me to at least pay something, which is what I did on the XXXX, didnt post until XXXX. I also made a payment the previous month on XXXX ( see attached ). Yet, XX/XX/XXXX it was taken back without any concern. I have a XXXX XXXX called XXXX and now I dont have a car at all!!! When I called today on XXXX to figure out what I owed, I was told by Redemption that I had to pay it off to get it back in the amount of {$28000.00}. I cant afford that as an XXXX? I have a son at home and this is an emergency state we are in. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX Credit Acceptance Corp. Canceled auto payments that had been reoccurring since XX/XX/XXXX for payments on a vehicle loan. I was not contacted or notified for two months. In XX/XX/XXXX once contacted I talked with a credit Acceptance Corp employee via telephone. I explained no payment should be missed because of the authorized auto payments that were set up to endure the length of the entire loan. She investigated the issue and told me verbally that yes it had been canceled by them and she stated she thought that was strange. However, if I did not pay 11??  ..dollars that my vehicle was already in repo. On principle and what I believe to be repetitive criminal business practices I cooperated with the repo. 
Upon credit acceptance auctioning the vehicle and including what I paid into the loan they made roughly XXXX dollars on a vehicle window priced at XXXX. Considering their shady practices I consider it a win for them. Yet, they have me in collections for an additional XXXX. 
This company has many negative reviews on XXXX, XXXX and I assume with your organization as well. 
Attached is a letter from credit acceptance stated that I had canceled via XXXX XXXX. I had no idea it even went through XXXX XXXX. What good sense financial institution would use a middle man to due transaction outside a bank. It would be much easier for a simple man like myself to call my back to end payments. 
Perhaps they use XXXX XXXX to allow for the gap to make these claims. I have heard that XXXX XXXX only runs two years of autopay continuously then it has to be reset up. I guarantee. Credit Acceptance not only knew this but uses it to reclaim and resell cars. 
Even if it was accidental the contract I signed authorized autopay for the entire 48 month duration of the loan and I never canceled the payments and never missed a payment. They canceled it or knew through all their previous dealings with XXXX XXXX the policies and procedures of XXXX XXXX to the extent they failed to notify me of such so that I could have avoided this mess and still have my vehicle that I loved! 

Thank you for you 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 2020-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I recieved a cold call from Quicken Loans. I am on the Do Not Call List. The call came at XXXX on XXXX XXXX from XXXX. When I returned the call I was transfered to a " closing specialist '' and put on hold. I was unale to hold long enough for anyone to answer and ask them why they were calling. 

I do not currently have a morgage or any other kind of loan with Quiken or any other Loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. For the past 12 months, I have sent multiple letters to the 3 credit bureaus ( Experian, XXXX, XXXX ) with no luck. 

As of XX/XX/XXXX, My credit report shows inaccurate information. 

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name. 

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions. 

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities. 

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions. 
I am attaching a copy of each of the following documents to this letter : 1. A copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/Report I am requesting that you remove this information from my credit report. 

Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. 

As applicable please send me written confirmation that you removed this information from my credit report. 

Account Number : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Current Creditor : XXXX XXXX XXXX Balance : {$0.00} Account Number : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX   Merchant : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX XXXX, XXXX Balance : {$0.00} Account Number Ending In XXXX File ID:XXXX Creditor : XXXX XXXX   Current Creditor : XXXX XXXX XXXX, XXXX. 
Balance : {$0.00} Account Number : XXXX Original Creditor : XXXX XXXX XXXX Current Creditor : ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Status Transferred, closed. 
Status Updated XX/XX/XXXX Balance : {$0.00} Thank you for your help.

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 2020-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
On Sunday XX/XX/2020, I used the Company called Remitly to send money ( {$1000.00} USD ) to my dad who lives in XXXX XXXX. This transaction normally takes 2 business days maximum to be delivered to my dad and was promised that it will be delivered by Wednesday XX/XX/2020. Unfortunately, the money has not yet been delivered. I called Remitly on Friday XX/XX/2020 to inquire about this and was told that they communicated with the company they used in XXXX XXXX and that the money will be delivered by the end of the day. The money was not delivered and on Sunday, I contacted Remitly through their online service to return my money since they had not delivered the money and was told that they could not refund me the money and all they can do is email the company in XXXX XXXX to find out what happened. It is Tuesday XXXX XXXX and my father has not yet received any money nor have I been contacted by the company. I want my money returned to me. Remitly is not helping me at all. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
Hello, I am in the Public Service Forgiveness Program. FedLoans,  my lender since XX/XX/XXXX, needed to look though archived payments from previous lenders ( prior to XX/XX/XXXX ) to have eligible payments I made count towards the 120 needed payments for the PSLF program. Thus I submitted a review with FedLoans on XX/XX/XXXX. I was initially told the review would take 3 months. It has now been over 15 months and they have not completed the review! I called today and they said it could even take 2 years! I am now 105/120 payments into the PSLF program and I would like to have an updated, accurate count of my loans as I am getting closer to eligibility. Per my records I began in IBR on XX/XX/XXXX so those payments should indeed count. They told me there is no other way to receive further updates and I just have to wait for them to tell me they have been reviewed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX I just turned XXXX about 2 weeks ago I went to apply for anew XXXX and was denied due to my credit the report stated I have loans and a Mortgage This is not true I live at home and I attend school and will be attend college next year please help me clear this up my. Future depends on

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 2020-09-08 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: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
My mortgage account with Amerihome Mortgage was on a forbearance plan effective on XX/XX/XXXX in accordance with the CARES Act passed by congress. The agreement was that no payment was due for an initial 90 day period and possibly longer, and once the forbearance period ended, all deferred payments would be due. During this period the account would remain in current status and no negative information was to be reported to the credit bureaus. The payments for the months of XXXX, XXXX, XXXX, and XXXX were deferred and in XXXX I paid the full amount due and completely paid off the mortgage. Amerihome acknowledged full payment in a letter dated XX/XX/2020. In direct violation of our agreement and the CARES acct passed by congress, Amerihome report my mortgage account as " 60 days past due '' for the month of XXXX causing a decrease of my credit score and unfavorable terms for a new loan, and causing further undue hardship. Negligence on the company 's part is a recurring theme as I've had to make multiple complains in the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
XX/XX/152020 : unauthorized charges on credit card from XXXX {$49.00}, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX ( TOTAL charges {$7800.00} ). 
My wife and I called our bank USAA on XX/XX/XXXX disputing the charges as fraud and cancelling the credit card from further use. My XXXX, XXXX XXXX, XXXX, XXXX, and XXXX accounts were all hacked. The XXXX XXXX, XXXX, and XXXX accounts were unrecoverable. 

USAA sends information to fraud  team and takes the money off of our credit card account. 

XX/XX/XXXX, fraud  team says the charges were valid and puts the money back on the card. 

Myself, wife, and mother, the three members on the card have repeatedly called USAA disputing the fraud  teams claim from XXXX XXXX XXXX USAA claims they can not talk to the fraud team that made the decision but could message them to call us. This was done at least 5 times. 
The fraud team never contacted us. 

USAA finally provided us with a contact at the fraud  team. We have left at least 5 voicemails to contact us back because they never answered the phone. 

We have been trying to reach out to XXXX as well. Due to the accounts being hacked XXXX would not discuss information about the transactions or the account. 

I have reached out to a lawyer to help dispute this claim. We feel vulnerable and extremely unsatisfied with USAA on this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed the bankruptcy on my credit reports because I have been unable to obtain verifiable information from the court or credit bureaus. Every time I sent a dispute to XXXX, Equifax, and XXXX they verified the judgement listed stating that it was verified by the courts. I have a letter nattached from the Bankruptcy court of TN that backs up this information is not true. I demand that this be removed off of my credit report on all three credit bureaus, unverifable information, and fraudulent claims from the credit bureaus on a verified dispute.

Company response to consumer: Closed with explanation