vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
Every week chime bank system is down and we can not use are card and this time its right before a holiday.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
At this point I have {$150.00} rewards on my credit card. When I tried to redeem {$100.00} for XXXX gift card by phone ( XXXX ) the operator with heavy foreign accent told me that she could not redeem but I have to call another number although it is this number indicated to redeem. When I tried to access my account on line I could not do it for no apparent reason. I was blocked access. I need to redeem {$100.00} for XXXX gift card but apparently there is no service Citi Bank provides to to do 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 explanation
Consumer complaint received 2020-11-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent out letters to the credit companies ( XXXX, Equifax, and XXXX ) on XX/XX/2020 demanding to see verifiable proof ( an original consumer contract with my signature on it ) they have on file of the accounts they have listed on my credit report. It is XX/XX/XXXX, ( more than 30 days ), and their failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if they are unable to provide me a copy of the verifiable proof, they must remove the accounts they have listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: CA

Complaint narrative:
I sent out letters to the credit companies ( XXXX, XXXX, and Experian ) on XX/XX/2020 demanding to see verifiable proof ( an original consumer contract with my signature on it ) they have on file of the accounts they have listed on my credit report. It is XX/XX/XXXX, ( more than 30 days ), and their failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if they are unable to provide me a copy of the verifiable proof, they must remove the accounts they have listed on 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 2020-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Byrider Franchising, LLC
State: MA

Complaint narrative:
I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 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 2020-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: MA

Complaint narrative:
I refinanced my mortgage with Loan depot in XX/XX/2020. It was great until the closing. My issues started when I started making payments in XXXX. I have had only 2 payments to make so far XXXX XXXX and XXXX XXXX ). The experience was horrendous. It was night and day. First time, when i made the payment to XXXX address. They started harassing me by calling me every other day with automated voice messages. When I called in XXXX, the waiting time was brutal.. They mentioned it could be because my account is moved to a a different servicing location that is in New Jersey. But she assured there will be some delay in posting that transaction. For XXXX payment, i made an update in XXXX reflecting NJ address. That payment was returned as well. I have had multiple calls in last 1-2 days and they put me on hold to research the issue and it gets dropped or i join the queue again. It is very frustrating that for just simple payments, I am spending countless # of hours to make sure they receive the payment and this does not ding my credit history, which is pristine ( no late payments in last 20 years ). Concerns : 1. Made a phone payment yesterday where they charged me a {$2.00} fee. I am requesting them first to remove the interest charges I have incurred since they returned the check around XX/XX/XXXX. Secondly, to waive the phone payment fee and any late fees or other fees they have charged to my account. Few observations : 1. Their servicing system to receive the payments sucks big time ... 2. Incompetent customer service people.. i will blame the management for not giving them proper training. 3. They have to get their act together in terms of providing one servicing location where they can receive the payments. 4. When customer service puts us on hold, it goes back to the queue or get disconnected after a certain time. I am very disappointed with the experience they have provided since the closing of the loan. they have lost my trust and will not recommend them. 


Desired Resolution : Billing Adjustment Desired Outcome : 1. Made a phone payment yesterday where they charged me a {$2.00} fee. I am requesting them first to remove the interest charges I have incurred since they returned the check around XX/XX/XXXX. Secondly, to waive the phone payment fee and any late fees or other fees they have charged to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XXXX XXXX, 2019, TD BANK USA/TARGET C add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
In XX/XX/XXXX I opened my credit card app to make to make another payment on my account and noticed that citi bank had decreased my limit by {$14000.00}. They did this without warning and it only came after I had paid off my full balance with them. I called citi bank immediately and they said they they get regular reports from the credit bureaus and that the reason that my card balance decreased was because of the high limit on my other cards. Well Ive already paid all my other credit cards off as well. This is wrong and definitely unfair. I believe citi only decreased my limit because I had fully paid them off and they were no longer going to make money from me by having all the interest payments

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 2020-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
The following is a chronological order of my account 1. XXXX Mortgage was serviced by XXXX. 
2. In XXXX of XXXX an escrow was originated for property taxes only, insurance paid through our condo master policy. 
3. XX/XX/XXXX property taxes paid of XXXX leaving a negative {$230.00}. 
4. XXXX and XXXX escrow payments cleared up negative leaving an actual balance of XXXX going into new year. 
5. XX/XX/XXXX loan transferred to XXXX XXXX. All year XXXX {$230.00} per month contributed to escrow for taxes. 
6. XX/XX/XXXX A FINAL ESCROW ACCOUNT DISCLOSURE STATEMENT SENT TO ME FROM XXXX SUPPORTING THE LAST 4 MONTHS OF THE LOAN ESCROW. 
( ATTACHED ) 7. Monthly escrow payments all year XXXX to XX/XX/XXXX x {$230.00} / {$2700.00} 8. Then after XXXX paid the XXXX taxes of {$2600.00}, they claimed a deficiency of {$2000.00}. 
9. I have been disputing this calculation beginning XX/XX/XXXX. 
10. XX/XX/XXXX, the loan was transferred to Rushmore Loan Management WITHOUT clearing up the dispute. 
11. I had to start all over again with Rushmore and to date my exact dispute questions have not been addressed and after months of letters and phone calls I can not get a simple explanation as to why there is a deficiency. 
12. In XX/XX/XXXX, Rushmore notified me that they were raising my mortgage payment some XXXX monthly. 
13. Now my XXXX taxes are due and there is a large deficiency again, Not sure how much. 
This account has been switched 3 times in 18 months and as of the XX/XX/XXXX I agreed with the final escrow from XXXX. Based on this baseline established, my contributions should have been enough for property taxes, maybe a small adjustment for annual increase but nothing like what I am being told. 
I have attached the final escrow statement from XXXX which was the baseline.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: MS

Complaint narrative:
Greetings, I sent dispute letters to the credit bureaus because they have inaccurate information on my credit report that is affecting me. I have an account in repossession that is not, I have may car, I paid it in full. 

I have inquiries I didn't authorized and negative accounts that should not be there.

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 2020-11-25 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: MS

Complaint narrative:
Greetings, I sent dispute letters to the credit bureaus because they have inaccurate information on my credit report that is affecting me. I have an account in repossession that is not, I have may car, I paid it in full. 

I have inquiries I didn't authorized and negative accounts that should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO

Complaint narrative:
My mortgage company has my home listed as having {$120000.00} value. I have paid my loan down below the {$93000.00} or 78 % of my loan to value. I have paid it down to {$91000.00}. I have requested explanation multiple times and am consistently told that I havent paid it down below the 78 % mark. I have asked for an a plantation of how they are calculating that and have today been told that instead of using the value of the house they are using the original purchase prize of the house. I am a savvy shopper and purchased a home for less than market value. I am now being penalized for being a savvy shopper as they refuse to remove the PMI because they are not using the loan to the value of the house that they have on their records but instead the price I was able to purchase it for. Which is not even the same as the amount I borrowed as I payed it down some so that I would borrow less in the beginning.

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 2020-11-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Ive tried again contact with Equifax XXXX XXXX and XXXX Ive submitted documentation along with the police reports and complaints still no response at the 30 days I need this immediately resolved I have a family Im trying to take care of them trying to get my credit out of the hole this is hurting my future Please remove the inaccurate information That can not be verified that I apply for Here is the list as follows as result in identity theft DeptedXXXX Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX Account type Installment Not mine never applied for student loan Us Dept Ed Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX These are inquiries that are fraudulent I never used I never applied I would like these investigated and removed I waited 30 days already still no response Inquiries Name Type XXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I signed up for a payment plan on XX/XX/2020 for {$50.00} to be deducted from my account on XX/XX/2020 as a part of a payment plan. I was told to call back every 30 days to keep making my payments. Despite making that payment on XXXX XXXX, Synchrony Bank on behalf of Paypal Credit keeps calling me multiple times a day, sometime not saying anything when I pick up. Today, when I picked up and talked to an agent he acknowledge the payment plan and that I was still current on it but said that because I still had a balance, they'll keep calling in between the due dates for the payment plan to get me to just pay off the {$400.00} balance. I have recordings of the XXXX XXXX call setting up the payment plan, copies of the XXXX XXXX payment, a recording of the XXXX XXXX call where they admit they'll keep harassing me until the entire balance is paid even if I stay current on my pay agreement.

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 2020-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services
State: IL

Complaint narrative:
I received my first notice today, XX/XX/XXXX and received a mysterious invoice requesting a wire transfer to XXXX XXXX for the amount of {$25000.00}. This invoice was sent by Sequoia Financial Services with address : XXXX XXXX XXXX XXXX XXXX, and located in XXXX XXXX California. This invoice included a Client : XXXX XXXX XXXX XXXX XXXX, Date of Loss : XX/XX/XXXX, File No. : XXXX, and XXXX XXXX : {$250000.00}. Additionally, this invoice indicated that this was the " Third notice '' that I have received of this " debt owed '', when it is the first time I have ever received a notice from this company. Upon further reading, the invoice letter stated that I have ( 20 ) days to pay this debt. The letter was signed by a XXXX XXXX, Account representative with phone extension XXXX. At the bottom of the letter, there are 2 options to pay via XXXX XXXX or by directly writing in a valid credit card account number with expiration date, and a signature line. Sequoia Financial Services is not XXXX XXXX Accredited and have had 16 complaints filed against them within the past 3 years. I am reporting this now because other users have claimed that their credit was affected by this scam company, as they fraudulently reported false debt owed to XXXX and XXXX and I want to be proactive with this to ensure my credit is protected from false negative marks by Sequoia FInancial Services. 

Additional information. I was previously contacted by a credible debt collector for XXXX XXXX involving a collision I was involved in and have since been placed on a payment plan to resolve this debt, of which, did not total to {$25000.00} in damages. Thus, this letter strikes me as fraud because the debt to XXXX XXXX  is already being accounted for and consolidated on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Marcus by Goldman Sachs denied me access to the availability of deposited funds when sent to them from the Federal Government. On XX/XX/2020 The Federal Government deposited a payroll check to my Marcus by Goldman Sachs account. Marcus by Goldman Sachs employees then tried to transfer it out without me knowing this, and wait for me to receive a 2nd payroll check while denying me the 1st check that was sent/deposited. I want to report this now. My job provided proof it was sent at the same time ( simultaneously ) I received another deposit ( 3rd ) from another external source for XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
GM Financial XXXX. XXXX XXXX, XXXX, TX XXXX XXXX : CFPB XXXX. In XX/XX/2020 I received a copy of our Retail Installment Sale Contract Simple Finance Charge from GM Financial along with a copy of XXXX XXXX XXXX account payment history. XXXX XXXX XXXX account number XXXX was sent via email directly to our home address included in GM Financial file. Upon, receiving the wrong documents, I called GM Financial to inform them that they sent Ms. XXXX XXXX 's account payment history instead of our account payment history. Again, I stated this in my complaint to CFPB. On XX/XX/2020 I received a call from a Ms. XXXX from GM Corporate who insisted on knowing how I gained access to MsXXXX XXXX XXXX file. More than once I clarified that it was sent to me via mail from GM Financial. It was included with our requested personal documents. At that time, Ms. XXXX apologize for GM Financial error and for sending Ms. XXXX XXXX information along with our personal documents. Ms. XXXX XXXX asked me to discard MsXXXX XXXX 's personal document. MsXXXX XXXX acknowledge that she received all of our CFPB complaints including my cease and desist yesterday to cease communication. We will not be held responsible for GM Financial consumer 's privacy violations of the consumer credit transaction with MsXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Starting with XX/XX/XXXX I have written to Portfolio Recovery SIX TIMES requesting debt validation with absolutely no response. NONE! So in XXXX, I started to track their receipt of my letter by sending it not only by USPS but also by fax. Including today ( XX/XX/XXXX ) that makes 7 months, 7 letters, with 4 confirmations, and they have simply ignored me so the letters sent XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and today I am attaching as proof that they were received. I even reminded them in the letter of all the previous dates and they still ignored me. I wrote to all 3 bureaus during this same time period without a response even when asked how did they verify the debt or to send me a corrected credit report. They don't accept faxes so I can't prove they got it but the postal service generally doesn't fail to do its job ( I'm just saying ). I'm a XXXX XXXX and as an essential worker, I've traveled across this country only to wake up in hotel rooms in cities that sometimes I couldn't remember the name of just to help fight the COVID battle. I'm tired. I'M TIRED! I can't keep up with COVID and I can't keep up with Portfolio. All I want to do is go home ... really go home ... not to the apartment that I rent but to my own home that I'll own and this blatant disregard for me as a consumer and for the law is making that impossible. I've fought for the people of this country on the XXXX XXXX. Now I'm asking the CFPB to fight for me on the consumer/credit battleground and make Portfolio and/or the bureaus delete this account - they have had more than enough time. If they haven't responded it's because they can't respond - it can not be validated. I want to go home ( sobbing ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: Harvard Collections, LLC
State: FL

Complaint narrative:
On XX/XX/2020, HARVARD COLLECTION SERV add a derogatory mark on my credit report per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA HARVARD COLLECTION SERV has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation