vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
Attempts at getting refund of escrow due to me because I refinanced loan have not worked. The loan was paid in full on XX/XX/2019. As of today, XX/XX/2019, the escrow has not been paid out to me. This is past the 20 business days required by law to refund the money. 

I have attempted to resolve this numerous times with the lender. 

XXXX XXXX XXXX Attn : Consumer Solutions Department XXXX XXXX XXXX Virginia XXXX, VA XXXX Customer Service : XXXX On XX/XX/2019 XXXX told me she would overnight the money on Monday. On XX/XX/XXXX XXXX told me he would do the same. This request goes nowhere and the money remains held by the bank in the escrow account. The money should have been refunded XX/XX/XXXX which includes 1 day for XXXX XXXX holiday. 

Amount owed to me is {$4900.00}. 

Law is here : https : //www.consumerfinance.govXXXX Thanks in advance for helping us resolve this.

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 2019-10-22 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: CO

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 90 plus ) days late on XXXX. ( Please see attached pages from my credit report along with a spreadsheet with account numbers for your reference. ) These accounts were in deferment at the time these late payments were being reported and consequently were being reported in error. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Set up payments in XX/XX/XXXX with my XXXX XXXX VISA Card ; they did not state that they do not take pre-paid cards until after the fact that I set up payments with my XXXX XXXX   VISA Card. 

They did two ( 2 ) attempts to the card ; and denied them both. I don't understand if you are trying to resolve a debt they should take any means possible available to client and not to be so tedious as to what card they take. They always want to go through your checking account and I do not want them going into my personal checking account as they are a crude collection agency. They could just take my money if I give them that access. 

I tried to resolve this with them many times ; Sears/CitiBank/now XXXX XXXX. The sell your account so many times that you get confused as to whom they are!!! This should be banned from them doing so. Sears is in Bankruptcy and CitiBank was their credit card holder- but their tactics are not good ; because when I talked to Sears ; they would not even negotiate as I told them I had XXXX and was sick in 2016.

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 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted a company XXXX XXXX XXXX in regards to business funding. I confirmed with this company weather it would be a soft or hard inquiry to check a pre-approval. The company responded its only a soft inquiry for a pre-approval and that there would not be a hard inquiry unless I signed and accepted an offer. 

Shortly after I moved forward with the pre-approval, I received an Experian Credit alert stating that a Hard inquiry was made on my credit report. 

I contacted the company ( XXXX XXXX XXXX ) immediately and the company states they were not aware that there was a hard inquiry.

I immediately forwarded the alert to the company ( XXXX XXXX XXXX ) showing them proof. 

XXXX XXXX XXXX rep just stated that there concerned that that happened. 

This is misleading business financing practices, and I did not agree to have my credit pulled with a hard inquiry. 


This is the information from Experian below : EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Business on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/2021.

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 2019-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 90 plus ) days late on XXXX. ( Please see attached pages from my credit report along with a spreadsheet with account numbers for your reference. ) These accounts were in deferment at the time these late payments were being reported and consequently were being reported in error. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful.

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 2019-10-22 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 90 plus ) days late on XXXX. ( Please see attached pages from my credit report along with a spreadsheet with account numbers for your reference. ) These accounts were in deferment at the time these late payments were being reported and consequently were being reported in error. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful.

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 2019-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I borrowed money from this XXXX XXXX, after two days i gave them the car on which i had borrowed the money. They refused the car. I was told that, " they will have to repossess the car at their time when they need it ''. I told them, i was going out of town for three months which makes me unable to make payments on the loan, please less resolve it this way. '' they told me that, " I don't make decisions for them when to repossess a car, its on their terms only. '' I told them that, " this will affect my credit. '' They told me that it was none of their concern. Today, they are demanding for the car or i pay their money. I have told them, " If they want the car, its not going to be reported as a repossession or i give them the actual amount of money they gave me 3 months ago without interest. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: VA

Complaint narrative:
I don't recognize this accounts. I never applied for this, I don't have any contracts or agreements with this companies. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2019-10-22 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: VA

Complaint narrative:
I don't recognize this accounts. I never applied for this, I don't have any contracts or agreements with this companies. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been trying to get my Experian report for almost 4 weeks now. I can not reach anyone over the telephone, and was told this was because i am a customer of their free service. I have used to contact and explain my frustration with Experians horrendous services. Those actions have led to email correspondence which has been useless, too. The online system is unable to verify my information. Attempting to upload my documents for verification is a dead end. The phone self-service has been a waste of time. I have been trying to access my credit report because I was denied credit in the last 30 days. Now, I am being denied a credit report even though this right is federally granted to me.

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 2019-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: FL

Complaint narrative:
sallie mae promised forms for my doctor to fill out because I am XXXX and so my husband, the loan can be forgiven, then they took it back, they lied to myself and husband, now threaten to ruin our lives financially, the rude employee XXXX, said she didnt care about helping us they are violating a cease and desist with constant robot calls my son told they work out a payment they want XXXX per month on XXXX at high unsteady if 12 % they loan sharks. The school didnt tell us it was private loan they are predatory, I can pay XXXX per month on XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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:
Multiple accounts that are incorrect are reporting on my credit reports XXXX   XXXX XXXX XXXX  XXXX . 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I sent letters to a company named XXXX XXXX XXXX, because I noticed this was on my credit report right after the numerous breaches then I was notified by XXXX i was part of the data breach. ALL while fighting with them and the credit bureau 's then all of a sudden I seen it was sold to a company named LVNV, Funding, LLC, so I contacted and disputed with them through credit bureau's..and them..that I dont know who these people are never opened a account never opened up for a credit card..that this was and is identity theft..i contacted a credit repair company, because I was getting nowhere my contact with them always stated it was validated and sent over a blank statement with two numbers on it, no charges, payments..always came back you owe..but never validated it..brings to XX/XX/19 never notified by them never notified by bank or lawyer they levied my bank account ..this was reported as Identity theft fraud and they still where able to get to my bank account which I froze core credit and the other third party so I was protected..I am a XXXX and only get SS..and they had there company take my SS that protected federally..they meaning the companies should have done there due diligence before coming after me ... now there company is going to court for failure to follow the laws..and so is there attorney going also..this is a disgrace I am the victim and I still the victim by bully attorneys and companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: NH

Complaint narrative:
On XX/XX/XXXX I called Source Receivables regarding a paid collection account I had with XXXX. I spoke to a woman who would not tell me when this report would be removed from my credit report. She said it never comes off it just keeps updating. She said she was not a credit expert and had no knowledge of how or when this report would be removed from my credit report. She told me if I had paid it to begin with I would not be in this situation. I told her I thought collection reports fall off your credit report 7 years from the date of first delinquency with original creditor. She said she was not a credit expert and reiterated that it would just keep updating. I asked for her name and she said XXXX. I asked her to spell it and she said I should know how to spell it. I asked for her last name and she refused to give it to me. I asked for her managers name and she said XXXX XXXX. I asked to speak to XXXX XXXX and she said he was not available, however she put me on hold to have him unlock my account so she could view the details. All I want to know is when does this come off my report and who is responsible for making it do so. She was extremely rude and would not give me any information about an account I paid in full in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear whom it may concern, I opened XXXX XXXX American Express Card on XX/XX/2018 through a link which offers 100,000 XXXX XXXX Bonus points after spending {$1000.00} within the first 3 months. 
After spending required amount, I realized that I didn't receive the points, so I contacted to American Express to figure out. 
I had a conversation with a representative through a chat on their website, and I was told that the promotion was not on my account. ( It was around XX/XX/2018 ) They told me that the promotion is not on my account but they will open an investigation since I could be eligible to receive that bonus, because I applied through a link which clearly says the promotion and I never had the XXXX XXXX Card before. 
It has been more than a year after submitting that request, but I didn't receive the bonus and I didn't hear back from them. 
Thus, I want to submit a complaint via CFPB. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
According to XXXX, XXXX, XXXX  's Credit Report REGARDING my FICO Score Factor, I have no credit card usage or payment history and this statement is attached to my credit report and FICO Score Factor. 

Please see the attached document regarding my credit card usage dispute with credit report statement. 

The statement in the FICO SCORE FACTOR ARE INCORRECT REGARDING MY CREDIT USAGE AND PAYMENT HISTORY. 

IM FEELING VERY DEPRESS AND SAD

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
According to Experian, XXXX, XXXX 's Credit Report REGARDING my FICO Score Factor, I have no credit card usage or payment history and this statement is attached to my credit report and FICO Score Factor. 

Please see the attached document regarding my credit card usage dispute with credit report statement. 

The statement in the FICO SCORE FACTOR ARE INCORRECT REGARDING MY CREDIT USAGE AND PAYMENT HISTORY. 

IM FEELING VERY DEPRESS AND SAD

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 2019-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2019 we purchased a money order to pay for rent, for the amount of {$1000.00} which was dropped off at the post office to deliver to our property management. The money order was stolen and cashed at a Wells Fargo, the MO was written to XXXX and someone else cash it because they never received it. We tried doing a claim directly with Money order with no success, we filled a police report and also no success, and we even filed a claim with the payer, Wells Fargo with also no success. They couldn't do anything to help us, this is why I'm writing this claim, it's {$1000.00} which hurts us financially. I am trying to do everything I can to get that stolen money back.

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 2019-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
We are participating in a debt relief program and all of the companies in which we owe debt in the program, were notified of our situation and the program by XXXX XXXX XXXX. 

On XXXX, XX/XX/2019, a debt collector, XXXX, from XXXX XXXX XXXX, contacted my husbands work number. The phone number that they called from was XXXX. The phone number that they told my husband to call was XXXX. It is not okay to call my husbands employer regarding this matter, especially since they are aware of us being apart of the program and trying to pay this debt. 

If you have any questions for us regarding his matter please contact us. 

Thank you!

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 2019-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
We were behind on our mortgage and sent in 2 checks to Mr. Cooper our " loan specialist '' XXXX XXXX stated they did not receive the payments in XXXX. In XXXX they stated we had to pay {$5600.00} in order to not be foreclosed on. We wired this in, when we did they still stated they did not have these 2 checks. They told me to issue stop payments on them. We did that then all of a sudden after the wire payment the 2 checks appeared both were already stopped payments. 

We were told by Ms. XXXX if we cured the default she would wave about {$900.00} in fees and we would be responsible for a couple of hundred remaining. When I asked about this she stated it was just a thought she had but she can't even though it was clearly stated in 2 separate phone calls in the beginning of XXXX. 

I was told by XXXX XXXX a supervisor as well as another supervisor XXXX that they would reimburse the stop payment fees seeing as they had them the whole time. I sent proof and they are still not reversing them and we are being hit with returned check fees. 

The {$5600.00} that was paid was including the month of XXXX as the account had to be made current. We mailed out the {$1200.00} check to cover XXXX 's payment. they received it on XX/XX/19 and it shows cashed but they did not apply it to our account. When I call they just pass the blame on to me to find the cashed check where they miss applied the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
Collection company Southwest credit systems keeps reporting an account that is not mine and reporting it as new debt on my credit report. keeps reporting new open dates on debt they purchased that is not mine. reporting it as a loan. reported that i opened an account with them om XX/XX/XXXX 2019. this is not true.. and account is not mine.

Company response to consumer: Closed with explanation