vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
Daily harrassment done on and my family multiple times a day while I'm at work or driving home. They say they're " here to help '' but give me ridiculously unrealistic repayment options that I can't afford which continues this harassing call loop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
Phoenix Financial Services sent a notice dated XX/XX/XXXX, trying to collect on a debt that was incurred back in XXXX. Today XX/XX/XXXX I received a phone call from the telephone # of XXXX, still attempting to collect a debt that is 7 years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: LoanCare, LLC
State: TX

Complaint narrative:
XXXX payment is not being reported as paid on time, and I made payment on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: MA

Complaint narrative:
I had an account with Simple.com who operates und BBVA USA. They sent a notice through their website, which does not forward to email, phone, text etc. IE NO COMMUNICATION WHATSOEVER unless I log into their portal on XXXX that they would be closing my account on XX/XX/21. I logged in today after late fees, and bounced checks not knowing my account had been closed. They now are telling me they will wait 3 weeks to mail me almost $ XXXX which is my entire funds ( I literally have no other money in any other bank or anywhere ). In the meantime my credit report will be impacted my bills will all be late. My child will lose her spot in daycare because I have no way to pay my daycare bills, and I risk eviction for non payment of rent because I have no way to pay my rent with all of my money being held XXXX by them. 

They have provided no adequate notice of account closure, nor have the/do they have the intent to provide funds in a timely fashion. 

Their response to my call and demand for funds within 24 hours is " theres not much we can do ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX gave me an extension on my loan due to Covid. I also changed my billing date from the XXXX of the month to the XXXX of the month around the same time. This extension was reflected in my bill. The bill continued to be {$0.00} every month, with {$0.00} in late payments and interest. This continued into XXXX, when I thought my bill would be due. I called XXXX several times to discuss. I was told that due to my date change and due to the extension, that I would receive an extra month as it was reflected in my bill that a payment came in during the extension ... although I can not make heads or tails out of their accounting. Regardless, I have copies of all my bills that reflect {$0.00} due and {$0.00} in arrears. My XXXX bill came with the normal balance of my car payment. I made the payment on time. I was also notified by Experian that XXXX put a marker on my credit and it took 122 points off my near perfect ( XXXX ) credit rating that I have proudly spent my life building with on time payment on all my accounts. XXXX has acknowledged their mistake to me and last month told me they would dispute the credit reduction and fix the problem for me. I just receive a new bill for XXXX, telling me I owed them over {$1600.00} in current billing and arrears. I called XXXX again and was told they refuse to remove the marker on my credit, that yes they were wrong, but I should have known I owed them money even though their bills reflected that I didn't. This was an entirely different conversation than the previous one I had. So XXXX had internal billing issues, which I questioned in phone calls, was told to just pay my bill when it comes due, which I DID, they ruined my credit rating and refuse to fix it now. I have copies of all their bills and they say that I should have paid money that I didn't know I owed and had no way of finding out what I owed because their bills didn't reflect that.

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 2020-09-01 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: CA

Complaint narrative:
I try to contact the credit agencies on numerous occasions to let them know that mortgage keeps going up drastically every month and it is affecting my scores.My mortgage balance is 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 2020-09-01 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. 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. XXXX/XXXX  XXXX {$520.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$1200.00} XXXX/XXXX XXXX {$420.00} XXXX  XXXX XXXX {$630.00} XXXX  XXXX    XXXX {$880.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$110.00} XXXX   XXXX XXXX XXXX XXXX & XXXX XXXX  XXXX {$17000.00} XXXX/XXXX  XXXX {$650.00} XXXX XXXX XXXX XXXX  XXXX {$1600.00} XXXX  XXXX-XXXX {$140.00} XXXX  XXXX {$1200.00} XXXX XXXX  XXXX {$490.00} USDOE/XXXX   XXXX {$21000.00} XXXX XXXX XXXX/XXXX XXXX XXXX {$2500.00} USDOE/XXXX XXXX {$7900.00} XXXX  XXXX XXXX {$300.00} XXXX XXXX  XXXX {$620.00}

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 2020-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
loan start date XXXX for XXXX and it still shows to as of XX/XX/2020 the pay off is over XXXX. There are late fees and accessed fees being added every couple months. There is no way I have had this vehicle for 5 years and only paid it down XXXX if I have been paying monthly and even with skipping a couple payments. I show 48 payments of XXXX each and payments of over XXXX each several times and smaller payments that look like they were broken down to be applied to late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
On XX/XX/XXXX I was contacted by a loan officer in re doing a FHA streamline refi. I asked the officer if we needed to make XXXX 's payment as we were in forbearance due to Covid and he stated not at this time but if it is needed someone would contact me. On XXXX I received a phone call that the payment for XXXX was needed to continue the refi. Within the hour the payment was made. On XXXX I received our closing docs with a closing date of XX/XX/XXXX. On XX/XX/XXXX I contacted Freedom due to not having a time to sign yet and was informed that on XXXX our refi was denied due to late payment. Nobody had called me prior to my reaching out to discuss. On XX/XX/XXXX I spoke to a Loan manager who said he would do what he could to clear things up. He had someone send us new load docs on XX/XX/XXXX and said he would expedite the process since this was clearly their fault for providing incorrect information. I have spoken to him close to a dozen times now and continue to get the run around. No closing date, no info on when that might come. I was forced to burn up my savings to pay XX/XX/XXXX  mortgage. The first refi took just over a week to get closing docs and a date and now were going on over a month. I truly feel like we're being strung along so they get paid. They hang the refi over your head to make you pay even though were in a Covid forbearance.

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 2020-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I received a credit report from all 3 bureaus ; XXXX, XXXX  , & XXXX. I noticed there to be 2 collection accounts listed on all 3 credit reports from Choice Recovery , Inc . I sent them a debt validation letter, not once but twice. Choice Recovery, Inc. sent a letter back stating they have verified debt for {$140.00} and {$190.00} and requested for me to sign a Authorization to Release Information. I did not sign this nor will I sign this. That is HIPAA Information. They can not just say a debt is validated by giving the Creditor name and amount due. I demand to see my handwritten signature on a contract stating I am obligated to pay them. Choice Recovery , Inc. has not supplied proof of what constitutes proper debt validation. I have disputed both  accounts with all 3 credit bureaus. XXXX  deleted both accounts from Choice Recovery , Inc. due to the fact that they could not get Choice Recovery , Inc. to properly validate debt. ( Proof is attached ). XXXX  & XXXX started they validated it but will not send me proof even after sending a demand for investigation letter. Both of these accounts from Choice Recovery , Inc. need deleted ASAP. The account numbers listed are : Choice Recovery, Inc Account # : XXXX - {$190.00} and Choice Recovery , Inc. Account # : XXXX {$140.00}. I have attached the letter exchange communications for proof of illegal activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX  1. The high credit or original amount is being reported inaccurately and inconsistently on all my three bureau reoports. How did this happen when the information is from one and the same creditor? All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
XXXX Account Number : XXXX Please investigate what happened and delete this inaccurate information from my credit file. 
2. The account is a collection/charged off account the balance should be XXXX but I am currently looking a balance in the amount of {$4500.00}. How did you validate this? 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

FOR Experian XXXX. The high credit or original amount is being reported inaccurately and inconsistently on all my three bureau reoports. How did this happen when the information is from one and the same creditor? All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
XXXX Account Number : XXXX Please investigate what happened and delete this inaccurate information from my credit file. 
2. The account is a collection/charged off account the balance should be XXXX but I am currently looking a balance in the amount of {$4500.00}. How did you validate this? 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

FOR XXXX  1. The high credit or original amount is being reported inaccurately and inconsistently on all my three bureau reoports. How did this happen when the information is from one and the same creditor? All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
XXXX Account Number : XXXX Please investigate what happened and delete this inaccurate information from my credit file. 
2. The account is a collection/charged off account the balance should be XXXX but I am currently looking a balance in the amount of {$4500.00}. How did you validate this? 
XXXX  XXXX Account Number : XXXX Please remove it from my credit 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 2020-09-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
TD Bank charges predatory fees. On XX/XX/2020, I deposited {$20000.00} into my savings account to satisfy the minimum required balance. Gathering that {$20000.00} represented an enormous effort. I had to sell two vehicles, plus some furniture and clothing. The pandemic has hit my household hard, and we have no money to spare -- just these emergency funds from selling things. Only 2 days after I deposited that {$20000.00}, TD Bank hit me with a {$15.00} cycle fee. It must have been automated, and did not take my deposit into account, as a human being exercising judgment would probably not punish a struggling customer like that. So I sent TD a secure message about the fee. All I got was an automated response telling me they'd get back to me. They never did. On XX/XX/2020, TD imposed ANOTHER {$15.00} cycle fee, clearly caused by TD 's XXXX fee that had drawn my balance below {$20000.00}. While the first fee may have been an error of automation, the second fee is TD charging me for TD 's own fees. This fee pile-on is unfair and abusive. I called TD Bank customer service about this today, and they refused to help. Please stop TD Bank from preying on struggling  consumers like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I scheduled a payment to Citi through my credit union 's online bill pay. The date to pay BY was the due date from Citi on my statement ( XX/XX/XXXX ). The credit union sent a check instead of an ACH ( they do not allow me to choose ). The check arrived LATE due to Trump Administration 's slow down of the mail! Now I got a late fee ( they reversed that ) and interest charges ( I was informed by XXXX at Citibank that that is a " legitimate '' charge so they can't reverse the charges, even though I have stellar credit and never had an issue, even with any other credit provider! ). Now I have to pay over {$45.00} for the slowness of the U.S. Mail. I have filed a complaint with my credit union.

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 2020-09-01 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi account number XXXX On XXXX Citi sent a request to XXXX to delete the account from my credit report. 
On XXXX Citi sent a request to XXXX to delete the account from my credit report. 
On XXXX Citi sent a request to XXXXn to delete the account from my credit report. 
On XXXX Citi sent a request to XXXX to delete the account from my credit report. 
On XXXX Citi sent a request to XXXX to delete the account from my credit report. 
XXXX has refused to delete Citi account number XXXX. Each time Citi receives a request from Citi they send Citi a request to verify whether the account is accurate. Because Citi continues to verify the account as accurate XXXX   continues to report the account. This round and round has occurred after each of the 5 Citi requests to delete the account. This has no doubt occurred because of the E-Oscar automated system.

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 2020-09-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I try to contact the credit agencies on numerous occasions to let them know that mortgage keeps going up drastically every month and it is affecting my scores.My mortgage balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I try to contact the credit agencies on numerous occasions to let them know that mortgage keeps going up drastically every month and it is affecting my scores.My mortgage balance is 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 2020-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX : XXXX XXXX - credit line of {$130000.00} XXXX XXXX XXXX - agreement to make 180, prime rate payments of {$830.00}. 
Maturation XX/XX/XXXX, with a {$25000.00} balloon note. 
XXXX : The BANK CALLED ( unidentified, later ID REGIONS ) " We are going to have to raise your interest rate to 6.74 %. ". There were NO signed documents replacing the original XXXX XXXX  agreement giving REGIONS authority to collect for the loan. REGIONS could not produce the XXXX. XXXX  agreement. They were furnished a copy of the original from MY FILES. One specific remained ie : Loan number. Maturation CHANGED TO XX/XX/XXXX XXXX : REGIONS - In bank meeting - ... '' Balloon note is {$25000.00}. '' XXXX REGIONS - Title search, real estate mortgage, subordination to First Mortgage, NO balloon note, expected principal balance at maturation {$94000.00} XXXX REGIONS - New 15 yr, 4 %, principal has been paid down to XXXX 
PROBLEMS : # 1 - Line of credit originally ; # 2 Absolutely NO documentation of REGIONS loan. # 3 MANY SLEEPLESS NIGHTS AND WORRY

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 2020-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Innovate Managed Holdings, LLC
State: FL

Complaint narrative:
Back during hurricane Irma in XX/XX/XXXX, My job was closed for 2 months due to damage, XXXX XXXX offered me 3 month deferment on my car loan, once we got to the end of the loan, which was suppose to end XX/XX/XXXX but extended to XX/XX/XXXX due to the deferments. They reported late payments, although I was still making monthly payments on my due date. I called in XX/XX/XXXX to see why my balance no longer had a due date, they told me not to worry about it and to continue to make my monthly installments of XXXX until my loan is paid off. Once I paid off my loan my credit score decrease a total of 34 points due to 120 days late XXXX XXXX/ Innovate Auto Finance reported on my credit report. The loan is now paid off but am personally suffering, I am trying to purchase my first home which I have been denied due to the recent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation