vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FREEDOM FINANCIAL NETWORK
State: NJ

Complaint narrative:
So I obtained a loan through Freedom Plus back in 2019 for around {$8400.00}. I was paying normal and on time before the pandemic hit. Since the pandemic hit and my store closed down temporarily. My income and unemployment was inconsistent and not enough and I asked for some help. They did help me for first 3 months deferring payment. I asked for further help ask again my income was inconsistent. They required Bank Statements to look over my finances. Other lenders did not ask for this and gave me more help as they understood the times. All 6 other companies I've worked with regarding my debt did not ask for this but FP. 

I am not one to give out bank statements to seek if I qualify for help. I've always found myself being declined help everytime someone looked at bank statements as a means for helping people. I then went back and forth with them over a period of time trying to get help. They did help one other month deferring payments but I still had to pay. My store opened back up and I was able to pay as income was consistent again. However I found myself not able to catch up and found myself being late. While trying to not hurt my credit i've been paying just under the 30 day late mark. They haven't charged late fees which does help but they are instead CHARGING ME EXTREME AMOUNT OF INTEREST. So out of my monthly payment, {$20.00} is going towards the prinicpal. I've asked for ways to help me get back on track now, will not do any more. I was out needing to quarantine, Paycheck was hurt temp., wont help no more. I won't use this loan company no more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
Ive made several attempts to contact Suntrust ( now Truist ) and have been unable to reach anyone. I want to close my account because I no longer use it before I incur anymore maintenance fees. I just want it gone. Everytime I call Im placed on hold and then the line ultimately disconnects. Im not in a state that has a local branch available.

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 2022-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Veros Credit, LLC
State: CO

Complaint narrative:
I purchased my truck in XXXX of XXXX. My finance was offered through VEROS Credit out of Southern California. They offer online payment service for the loan but the online service servicing company changed processing platforms. The platform does not recognize all debit cards or bank cards. The company knows that the system doesn't work. I have submitted over 5 written complaints to the company regarding the inability to pay my bill on time due to their technology malfunction. I have now had a negative report on my credit for numerous payments VEROS considered late. I was told to get cash and pay my bill at a XXXX XXXX with the added service charge from the store. I have also been told to go to a XXXX pharmacy to make the payment or even get certified funds and mail it to VEROS. The distance from my home to any of the aforementioned businesses is XXXX miles and I shouldn't have to pay the added fees nor travel when my contract stated I could make payments online. They call on average 9 to 12 times daily and are rude and menacing. Threats of repossession are made and am told that they can take my vehicle at any time for any reason. I have attempted to contact VEROS management to no avail. The customer complaints department hasn't returned my calls, letters nor emails regarding this issue. The collectors that call tell me they are only involved with " getting the money '' that the rest " isn't their concern. '' I have asked for calls to stop as far back as XXXX of XXXX and the calls continue to this day. I have already received 3 calls as of XXXX am on XX/XX/XXXX after letting them know again last week to cease. I have recorded over 25 calls since I asked last week to have the calls both at work and home stop. These people are relentless and nasty when you answer calls. Their negligent practice has negatively impacted my credit and has cause severe mental duress. The abusive use of their autodialer makes answering the phone stressful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Figure Technologies, Inc
State: CO

Complaint narrative:
Figure ( https : //www.figure.com/ ) advertises a home equity line of credit ( HELOC ) product. On XX/XX/2022, I submitted an application to receive a rate quote. However, once I submitted my application, it became apparent that their HELOC product more closely resembled a home equity loan product. 

If lent to, I must take 100 % of the HELOC proceeds at closing. For instance, if my total line was {$100000.00}, I would have been forced to take {$100000.00} at closing. They claim it's an " open line '' because if I make principal payments, I may then borrow up to the initial $ 100k during the " draw '' period. 

I believe this is intentionally deceptive advertising and does not meet the criteria of a HELOC product, where an initial draw is optional. Please investigate and potentially make them reclassify their existing " Figure Line of Credit '' product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted Experian regarding potentially negative remarks on my report XXXX XX/XX/2022 at XXXXXXXX XXXX at number XXXX ( XXXX ) XXXX. I spoke with customer service agent XXXX who asked for my personal, private and confidential information but would not give hers. A few of the accounts have been settled and paid in full. I attempted to ask the agent " Why are several of my account potentially negative when they have been closed and paid in full? She could not give an answer that I deemed suitable. I asked to be escalated to management and this agent refused. I asked for agent id number and representative refused. I would like my account to be closed with Experian as I do not trust the teenagers that have privy to my personal, private, and confidential information. I would only like verified Veterans over my portfolio as I am a Veteran. I would like someone to respond to my complaints via my email : XXXX 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 2022-01-24 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: Tower Loan of Mississippi, Inc.
State: IA

Complaint narrative:
The tower loan is showing outstanding when it has been paid in full. I have asked them numerous times to correct it as it impacts my debt to income ratio when home or car shopping etc. They simply have not and will not practice 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 2022-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Thursday XX/XX/XXXX at approx XXXX, I got a call from XXXX XXXX XXXXXXXX. The call started with we are getting ready to file a judgment against you. I asked for what. They told me I had a Chase Bank charge card from XXXX - XXXX ( I NEVER had this card ). As soon as I explained to him that they nerver read me the required mini mirandas, and that they are threatning me with a lawsuit on an out of statute debt, a debt I never had in the 1st place. They put me on hold, then hu on me. This is their company URL https : //mathews2mathews.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CT

Complaint narrative:
Good Afternoon, I received a XXXX XXXX XXXX  as an award from my employer. When I went to use it for the first time today, I became aware that the balance was {$120.00} instead of the {$150.00} as expected. I called XXXX XXXX XXXX who has up to an hour customer service wait time. After getting a hold of an agent, they stated there were charges from CA. I live in CT. They said they would need to open an investigation that would take 45-90 days. I said in the mean time can you give me a new card as this is a gift card and not a debit card or credit and I have never used it? They said no. They were obviously compromised and nothing I did wrong on my end. As I spoke with the agent, i started to wonder if this is a legitimate company? I asked to speak with a manager and they put me on a long hold and then hung up. I tried to call back and could not get anyone. I even looked on XXXX for management and could not find anyone. It funny that I work in fraud and have never had an issue with a debit or credit card but I get a GC as an award and its compromised. Their customer service is horrible and im sure i am not the first complaint and i am looking for help in retreiving a new gift card with the original balance. 

Sincerely, XXXX XXXX XXXX Last 4 of the card:XXXX Email sent to : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: TX

Complaint narrative:
I have been a victim of identity theft and have asked Lexis Nexis to completely opt out of my information but instead they have ignored me request on multiple occasions. My information should be surpassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XXXX I submitted a complaint through the CFPB about Capital One and their lack of compliance in accordance with consumer protection laws and bills of exchange. I am the ORIGINAL creditor and they are the assignee. Pursuant to 12 CFR 1002.2 ( c ) ( 1 ) ( i ), the term application is an oral or written request for an EXTENSION OF CREDIT and " credit '' is the right granted to a debtor to defer payment which means I did not request a cash money loan from Capital One. The complaint number is XXXX. Capital One responded in complete denial of their lack of compliance and closed my account which they do not have the power to do without my consent which is IDENTITY THEFT. They said that the " Acceptance for Value '' method of offsetting a debt payable to them with my endorsement as authorized representative wasn't good enough. My method of payment is clearly explained on the FDIC, FTC, and CFPB websites under " tender of payment '' and " bills of exchange ''. 3-603 When tender of payment to a person entitled to enforce is refused, there is a discharge to the extent of the amount of the tender. To my knowledge, banks do not loan money pursuant to 12 usc 1431 which leads me to ask, what type tender of payment are they looking for if they do not have the power loan me cash money?. Financial institutions are in the business of purchasing securities which they are not authorized to loan in their own stock. The banks are bankrupt and have been since 1933. According to 18 usc 8, the UNITED STATES XXXX is responsible for all indebtedness after it surrendered everything to the federal reserve. Capital One knows that these laws derive from the HJR 192 of 1933 when all the lawful gold was confiscated. They are also violating my privacy by sharing my NON-PUBLIC PERSONAL INFORMATION to the consumer reporting agencies without my consent according to 15 usc 1681b permissible purposes. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I have been charged from the same merchant every month a transaction for XXXX. The first transaction was on XX/XX/2021. I reach out to Goldman Sachs and they suggested contacting the merchant, which I did, with no answer. 
They proceeded to initiate a dispute and suggested obtaining a new credit card number, something I did. The next month I received the same non-authorized charge even though I changed my card number ( and, obviously did not provide it to the fraudulent merchant ) and explicitly told the bank I did not authorize any charge from that business. I had to file a new dispute and change my card number again. Ever since I receive the same fraudulent card from the same business, I have reached out to Goldman Sachs every time that this happens, but they haven't been able or willing to solve my issue. The last time I contacted them was on XX/XX/2021, the customer service representative was extremely rude, and did not address the issue. Today, I received another unauthorized charge, been this month the 10th time I received a non-authorized charge from the same business, after following the bank instructions, including changing my card number multiple times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-24 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: IA

Complaint narrative:
The tower loan is showing outstanding when it has been paid in full. I have asked them numerous times to correct it as it impacts my debt to income ratio when home or car shopping etc. They simply have not and will not practice 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 2022-01-24 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: IA

Complaint narrative:
The tower loan is showing outstanding when it has been paid in full. I have asked them numerous times to correct it as it impacts my debt to income ratio when home or car shopping etc. They simply have not and will not practice information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: IA

Complaint narrative:
The tower loan is showing outstanding when it has been paid in full. I have asked them numerous times to correct it as it impacts my debt to income ratio when home or car shopping etc. They simply have not and will not practice 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 2022-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: NC

Complaint narrative:
NCS has been contacting me by phone and mail in order to try and get me to pay some sort of debt that does not belong to me. The debt started at {$1000.00}. I have tried to get them to verify it, but no such verification has been provided. They simply sent a stack of papers, not one of which included my name, and a letter that they had typed up saying that the debt was mine. Every time they send me a letter, the supposed debt rises. They are now saying I owe {$7000.00}. I have asked them not to contact me by any way other than by certified mail and they continued to call. They have also posed empty threats saying they would have my driving privileges revoked if I did not pay them for this debt that isn't even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Issue # 1 : Mortgage payment for {$1500.00} mailed on XXXX XXXX. 
Check reported not received by lender on XXXX XXXX. 
Funds were wired to replace lost check. While confirming wire had been done with lender I asked them to verify one more time the check was not there. They found the check after the funds had been wired. At that point I placed a stop payment on the check. 
I was not charged any fees by my bank. I was told by customer service that there would be no charge and that the supervisor would call me back. 
That did not happen. 
I received my new mortgage statement for XXXX and there was a {$25.00} returned check fee, but no returned check. 
I called XX/XX/XXXX and once again I was told the supervisor would call me back within 24-72 hrs. 

Issue # 2 : In XXXX of XXXX, I was charged a fax fee of {$5.00} for considering a refinance. 

Thank you in Advance for any help you can give me. Please advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I was offered to refinance my house with no closing cost. The day before the refinance they sent me some documents to sign through e-sign. I contacted my loan officer because the payment did not match what was quoted to me. She said not to worry about it to sign it and everything would be corrected when the notary showed. 
XX/XX/XXXX The notary showed up to my house and nothing was corrected. The notary called the loan officer but she did not answer. She reached another loan officer and he said to sign it this way the notary doesnt need to come back out. That I had 3 days to cancel. Same day I had my brother in law look it over who owns an escrow company. He said they are charging me {$10000.00} on the back end and to cancel it. I cancelled it that same evening. I called and emailed my loan officer to confirm she received the cancellation. She said she would cancel it. 
XX/XX/XXXX I called to make my mortgage payment.I could not make my house payment because it said my loan was paid off. I talk to a representative and was told to check on it in a couple of days because they need to put my loan back together. I emailed and called the loan officer and all she could say was she canceled the refinance to check on my loan at a later date. 
XXXX I called again and still voile not make a payment. I contacted the title company and was informed my loan was never canceled. I asked for the loan officers managers number. I was given XXXX XXXX email. 
XXXX I emailed XXXX XXXX and was told to hold onto my mortgage payments while they try to straighten this out. They paid off my original loan before the 3 days and sent me the release of lien on my house. XXXX reassured me this would not hurt my credit and my home would not go into foreclosure. 
XX/XX/XXXX My loan was finally put back together and was able to make my payments for the past 3 months. I was told by XXXX XXXX that everything was back to the way it was and the other loan would be voided. 
XX/XX/XXXX I receive a letter that Im in default on the new loan that was created and my house would possibly go into foreclosure. I continue to be harassed every day with calls trying to collect. When I have made my house payments. Ive asked for them to fix this and they have no urgency to do so. This has caused me to worry where I have anxiety now.

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 2022-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: OH

Complaint narrative:
I settled an account with the original creditor, XXXX XXXX XXXX. This account is paid, settled and closed. However, the collection agency, The Bureau, continues to report to the credit bureaus that the full amount is still owing. This means I would have to pay this debt twice. According to the FCRA, consumers do not pay a debt to the original creditor and the collection agency. I have contacted the collection agency to no avail to resolve the false reporting. The original creditor had to option as indicated in my letter to decline my settlement offer and refer me back to the collection agency, The Bureaus. but XXXX XXXX accepted my settlement offer. According to The Bureaus reporting I still owe a debt that has been settled with the original creditor. This is false information being reported.

Company response to consumer: Closed with explanation