vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
Around XX/XX/2020 Goldman XXXX Bank ( GS Bank ) detected fraudulent activity on my savings acct. On XX/XX/2020 I was sent the attached notice that the funds subject to the fraud had been recovered. Since then I have attempted to access my account but am told by GS Bank that the account is locked. 

On XX/XX/2020, I sent GS Bank the attached letter requesting that my account be closed and a check along with an accounting be sent to me. Since XX/XX/2020, GS Bank has called me twice - I returned each call and each time was on hold for an extended period of time. The first time I was told the check and accounting were on the way. The second time after holding for quite a while I was told that they would call me back.. they never did. 

It has been over 4 months and I can not access or get an accounting of my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This is not my account. I'm unware of this account and did not have the opportunity to dispute before this information was placed in my credit report. Please provide the validation of debt, method of validation and assignment of debt. 

RESURGENT/LVNV FUNDING # XXXX Please remove account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Americredit / GM Financial is preventing me from purchasing a home for my family. During the first quarter of this year, Covid-19 became a global and national pandemic. Fearful of major income loss, I communicated with all creditors to prevent any future financial / credit issues. Being that I was in good standing and current with my auto lender GM Financial, they offered me forbearance " arrangement '' of the loan. I made a large payment of {$1700.00} in XX/XX/2020 when my forbearance ended ( even though I was offered an extension by GM Financial ), another payment was made in XX/XX/2020 for {$3000.00} following me paying off the full balance of the vehicle in XX/XX/2020. GM Financial is damaging my good name and character by inaccurately reporting late payments, inaccurately reporting the account balance, inaccurately reporting the loan term incompletely reporting date of last activity to the three major credit reporting agencies ( XXXX, XXXX, XXXX ). Section 623 of the Fair Credit Reporting Act ( FCRA ) requires furnishers to provide accurate information to the ( CRA 's ) &  correct any identified issues when aware of them. Section 4021 of the Cares act also mandates on how to properly report accounts in forbearance during the Covid-19 Pandemic. I have reached out multiple times to GM Financial and spoke with multiple supervisors and departments in order to correct this errors. I was assured that the late payments would be corrected and that I would also receive confirmation by mail, as of XX/XX/2020 there has been no resolution or correction. The balance reflected on my credit reports is affecting my debt to income as well as erroneous late payments are affecting my ability to obtain a mortgage. I have no other option but to reach out for assistance since GM Financial is in willful and negligent noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: NH

Complaint narrative:
I took a title loan on my car last year I have not heard from them in a year in a half time no email no mail they came Sunday and repoed my XXXX. I'm out of work because of covid no money they wanted XXXX to get my XXXX   back I tried to work with them with no luck they kept saying I needed to have the money. it would have been nice if they would have contacted me they said they tried calling they read off the phone number it wasn't my number and I sent them that they took my real number and they said they tried calling they don't send emails they don't send anything in the mail but all the sudden I got a letter in the mail stating that my car was picked up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are two inquiries that I did not authorize.

1 ) XXXX XXXX XXXX Inquiry date : XX/XX/2020 2 ) XXXX car financial Inquiry date : XX/XX/2020 Ive contacted the creditors and was unsuccessful to reach anyone. The contact information reporting is wrong. I found another number to contact and neither of these companies has any information about a credit application with my name on file. So I was advised to dispute the inquiries with the credit reporting agency Experian. I am requesting a removal of these two inquiries due to I did NOT authorize these companies to pull my credit report. I have no business with these companies and they did not have permissible purpose. If Experian can not supply a signature stating otherwise, then this is fraudulent and illegal to report false information.

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 2020-08-26 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: CA

Complaint narrative:
During the whole covid pandemic I panicked and couldn't afford to pay my mortgage. I was misinformed and thought that anyone with a mortgage loan would be granted forbearance as the mortgage companies would be flooded with calls. I finally called in XXXX and was verbally put on a forbearance plan for 6 months. I was not informed as to how it would affect my credit score and how this would be reported to the agencies. I was misdirected that it would include both 30 days late and 60 days late. 
My XXXX payment was late due to the fact that the bank wanted a cashiers check and I wasn't able to get one and it mailed out until XX/XX/2020. I overnighted the payment hoping it'd be there before XX/XX/XXXX, which it should have been. 
I would hope that in theses times there could be a courtesy removal of the XXXX XXXX day late. There is no remark on the comments stating that its disaster related as the comments should reflect that. Also, i have read that if at all possible lenders are should hold back from negative credit reporting at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im in the middle of refinancing my home and the lender can not access my credit report because Experian has a freeze on it. It is impossible to reach anyone on the phone which makes no sense to have a customer service line with no operators to assist.

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 2020-08-26 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: Nelnet, Inc.
State: MN

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I responded to an email alert on my online banking site, it was information regarding the Cares Act forbearance program. I clicked on the email. and the response was that I qualified for the forbearance program, and was automatically enrolled and my next mortgage payment was not due till XX/XX/XXXX. I called Wells Fargo immediately to get more information as to what they had enrolled me in. I was told that due to Covid 19, they were allowing 90 days payment relief, and the missed payments would be tacked on to the back end of the loan, and would not effect my payment history, nor would it be reported, nor would it affect my credit score. close to the end of the 90 days, I was sent another email saying that if I wanted to further extend my forbearance, I could go another 90 days. I again contacted Wells Fargo, and made it clear I did not want to extend, and would resume my payments on XX/XX/XXXX. I made it very clear that I was concerned about the language on my past three statements regarding late payments, and the possibility of foreclosure proceedings. I was told that by making the normal monthly payment on XX/XX/XXXX, they would automatically remove me from the program. I have made the full XX/XX/XXXX payment, also the full XX/XX/XXXX payment yet, I am still showing as 3 missed payments on my statements, and still receiving threats of foreclosure in every statement. Interesting enough, after I made the XX/XX/XXXX payment, I received an email from Wells Fargo stating that I had been enrolled in the extension program for another 90 day forbearance. Again, I contacted Wells Fargo and demanded for them to take me off the program, correct my statements to reflect being current, and I wanted to see where the payments were added to the back end of the loan. I was told I would receive a letter explaining the procedure, and that now, I would have to sign for a new loan for the missing three payments, and that the new loan would coexist with the current mortgage. None of this was in the original description they gave me, and I was told that it was a fluid process, and that in the beginning, there was not a clear picture as to how all this Cares Act program was going to be handled. I have not received any letter, and I am still getting monthly statements reflecting delinquency and possible foreclosure proceedings if the full lump sum was not paid in full. I am concerned that there is a lack of transparency regarding this situation, and I am very concerned about the safety of my rights, and my home ownership. 
I would greatly appreciate some advise as to my rights, and as to where I can get help to protect my home. 

Thank you in advance.

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 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX of 2020, CashCall Mortgage transferred the servicing of my loan to XXXX XXXX. On XX/XX/2020, CashCall withdrew {$1500.00} ( a mortgage payment ) from my account. I was not sent an email notifying  me of this transaction as was the protocol for all other payment receipts. When I saw my bank statement, I contacted the company and was told that a refund check had been issued. Unfortunately, I was told that it was sent to the property address not my mailing address. The property does not receive mail. I have contacted the company numerous times over the past 3 weeks ( it has been over 7 weeks since withdrawn ) to seek refund. I have spoken with supervisor XXXX XXXX on the last few calls and am promised resolution, but none is forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: DE

Complaint narrative:
This account is almost 6 years old and was closed by the company a long time ago. Due to the length of time this account has been open this account should no longer be affecting my credit & my ability to move forward with the things I need in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: FL

Complaint narrative:
In XX/XX/2020 i sent equifax a letter to remove a fraudulent account they have the account reinvesgating for 4 months its now XX/XX/2020 havent heard anything so i tried to call them today too see whats going on NOBODY ANSWERED when i asked to speak to an agent it sent me straight to the survey to rate the agents conversation but i spoke too no one! This is really fustrating that i have to wait 4+ months which is a BIG violation  according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
During the whole covid pandemic I panicked and couldn't afford to pay my mortgage. I was misinformed and thought that anyone with a mortgage loan would be granted forbearance as the mortgage companies would be flooded with calls. I finally called in XXXX and was verbally put on a forbearance plan for 6 months. I was not informed as to how it would affect my credit score and how this would be reported to the agencies. I was misdirected that it would include both 30 days late and 60 days late. 
My XXXX payment was late due to the fact that the bank wanted a cashiers check and I wasn't able to get one and it mailed out until XX/XX/2020. I overnighted the payment hoping it'd be there before XX/XX/XXXX, which it should have been. 
I would hope that in theses times there could be a courtesy removal of the XXXX XXXX day late. There is no remark on the comments stating that its disaster related as the comments should reflect that. Also, i have read that if at all possible lenders are should hold back from negative credit reporting at this 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 2020-08-26 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On XX/XX/2020, Ally Bank offered to defer payments due to COVID-19 but in order to process this request I needed to pay the {$90.00} late fee. I paid the fee and was approved for the deferment. Despite my payments being deferred I still continued to pay something and when I logged in to schedule a payment, I noticed the {$90.00} late fee was reapplied on XX/XX/XXXX. I called and spoke to a representative. The first representative gave me wrong information so I spoke to someone else who informed me that the payment was applied as a regular principal payment instead of being applied to the late fee. When I explained that the late fee disappeared when I paid in XXXX, he agreed that he saw that and would have it corrected and to wait 4 to 5 business days. I checked my account after that time and the outstanding late fee was gone again. On XX/XX/XXXX I logged in to confirm my payment was processed on XX/XX/XXXX and I noticed that Ally once again added the late fee back to my account. I called on XX/XX/XXXX and spoke to a representative and she agreed that she saw that I paid the late fee in XXXX and that the system again applied it to the principal instead of the late fee. I explained that when I called on XX/XX/XXXX I was told the same thing and that it was taken care of. This time the representative said to wait 2 to 3 business days and I would that the issue was resolved. I logged into my account 4 days and it still reflects the late fee. So on XX/XX/XXXX, I tried to access my account via the mobile and website but it was down. I called the customer service line to listen to the outstanding balance and the late fee was not removed. On XX/XX/XXXX, when I called in XXXX for the representatives to mail or Email me confirmation of this resolution and I was told they can't do that. On XX/XX/XXXX, I called back and finally spoke to a representative, who assured me that she would take of this and she would also send me a payment history showing the late fee was paid and she would have a manager call back. But to date no one has called me and the late fee is still on my account. I checked again on XX/XX/XXXX and fee is still remaining and no call back. I called multiple times on XX/XX/XXXX and spoke to managers who said they were escalating the case, they placed me on hold and never came back to the line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: NY

Complaint narrative:
In XX/XX/2017, I contacted XXXX XXXX XXXX XXXX headquarters in XXXX, GA. I was told that we can not pay our bill because it has been sent to a collections company. 

Complaints : 1. XXXX XXXX XXXX  XXXX did not provide me with electronic invoices. 
2. XXXX  XXXX XXXX  XXXX refused to tell me how much I owed 3. XXXX XXXX XXXX XXXX refused to accept payment my May phone call. 
4. Collection Bureau of America is offering to sell me a used water cooler at an inflated value. 
5. Collection Bureau of America refuses to arrange a pickup of the water cooler owned by XXXX XXXX XXXX XXXX, their client.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
This issue started when I lived in XXXX XXXX, Tn. I don't remember the exact dates but I lived in my house from XXXX. I ordered XXXX XXXX from XXXX XXXX XXXX. The service man came out to connect my service but informed me that because of where my house was sitting I would not be able to get a signal. My house sat at the bottom of hills that surrounded my house. I called to inform customer service of this and they said since i called within the 3 day grace period that I would not incur any charges. Now I have a strike against me on my credit report because of them and XXXX XXXX XXXX has sold my account to a collections agency who is trying to collect {$110.00} from me. I had called XXXX XXXX XXXX to discuss the charges and what I had been told and they said that I had been given misinformation and that I had to pay the installation charges even though I was unable to get service. I was totally lied to by XXXX XXXX XXXX. First of all the customer service rep should have been able to let me know if I could get service at my address or not. This is such bad business practice. I want this report removed and closed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit has sued me for remaining credit card debt even though I have filed for hardship program thru them and made them aware I am unable to pay anything and that I am a XXXX person who received XXXX and therefore am judgement proof as my wages are protected by federal law. Judge even heard it and said the case is going to trial in court.

Company response to consumer: Closed with explanation