vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/11 I received emails from XXXX XXXX and Experian that my credit report changed. I logged in and looked and found that someone put an account on my credit reports that was opened in XXXX. I never opened any accounts in XXXX and I also noticed my social security number was reported as incorrectly on my Experian report. I was never sent a right to dispute this collection account or any validality of what was put on my credit report per the law states. The name of the account is XXXX XXXX XXXX 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 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I set up a PayPal account to receive my unemployment benefits by direct deposit and they permanently locked my account after I sent all the documents they asked for. And it was the only transaction made to the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
My {$12000.00} loan obtained during XXXX school is supposed to be in deferment as I am a XXXX resident still in residency. My loan servicer, University Accounting Servicer, LLC, repeatedly tries to start charging me interest on the loan incorrectly. I re-apply for loan deferment each year, and last year my deferment was approved from XX/XX/XXXX to XX/XX/XXXX. Yesterday, I called the customer service agents who removed the interest from the " interest '' section of my bill, but the total current balance still keeps increasing everyday ( now up to {$90.00} in incorrect charges ). I received an email saying my loan was put into forbearance in XX/XX/XXXX instead of deferral, and my loan has been accumulating interest ever since. I never agreed or asked for forbearance. I should be have no interest or any other charges on my loan until I graduate residency. This loan servicer repeatedly exhibits predatory behavior in this manner and tries to charge interest when they think I will not be paying attention. The customer service agents repeatedly refuse to address or fix my issue. Every few months, they will reverse my deferral and I will have to go through this process all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX  A man Called me XX/XX/21 at XXXX about debt collection claiming to be from national enterprise system inc. 
We agreed on {$4900.00} total to settle my {$10000.00} credit card debt with XXXX XXXX XXXX, he claimed to be a manager from national enterprise. He said they would take XXXX today and i would have to give the remainder by the 30th Called me from : XXXX ( XXXX XXXX XXXX Said his name was XXXX. 

They took my XXXX XXXX routing and checking number and my social security number. 

Please help.

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 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I entered into a forbearance under the Cares with Mr. Cooper for 12 months due to my rental home being shut down by the Governor of Florida and not receiving income during my primary earning months. I contacted Mr. Cooper to begin payments starting XX/XX/2021. Today I received a letter stating they would only agree to me i ) paying the entire 12 months from the forbearance and begin making payments, ii ) giving them a deed in lieu of foreclosure ( I have {$380000.00} in equity in the property ) or iii ) doing a short sale. It was my understanding that the cares forbearance was to help people during COVID, not set them up to lose their property. After numerous calls, I learned I could get another 6 month forbearance. In order to avoid the bank initiating foreclose, I agreed to 6 additional months forbearance in which I will start making payments plus as much additional as I can but at the end of the 6 months I will be in the same situation. I believed the lenders had to work with cares forbearances and add the money to the mortgage increasing the payment but allowing for repayment over the term of the mortgage. I am certain the intent was not to put people in the position of having to make full repayment of 12 months mortgage immediately at the termination of the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
My Name is XXXX XXXX, recently a few weeks ago on XX/XX/21 I lost my wallet containing my Vanilla prepaid debit card. I realized I lost my card that evening and promptly called customer service to order a replacement card. The customer service rep expedited me a new card and also informed me of a unauthorized transaction on my account. A XXXX store in Maryland for {$790.00}, I live in XXXX XXXX XXXX 3 states away over 200 miles away. I was told I should make a claim once the transaction posted to my account. I waited a few days and then did so. Claim # XXXX.Then approximately 2 weeks later I received an email stating my case was denied. I followed the customer service representative advice and waited a few days before filing a claim ( XXXX ) but I notified Vanilla the day I lost my card. ( XXXX ) .I thought I was protected under the 0 % liability agreement if I reported my lost card promptly. I reported my card lost within 10 hours after losing it. I have called on several occasions attempting to get an answer as to why my claim has been denied, and Vanilla has responded by saying they would send documentation showing why they denied my claim but I have not received any documentation. Will you please help me recover my funds. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
Contacted the company via phone and email explaining that I had already paid the amount they were asking for on the date in question, XX/XX/2017, also emailed the company proof such as bank statement of purchase made with my credit card and receipt that purchase was paid with credit card

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 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Mnet Financial Inc
State: VA

Complaint narrative:
They call me late at night early in the morning weekends days and nights I have XXXX XXXX AND ANY STRESS CAN CAUSE ME MY LIFE. I dont owe this company anything and they are harassing me please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
In XX/XX/XXXX of XXXX, I filed Bankruptcy chapter XXXX to avoid a foreclosure after 19 months of payments until XX/XX/XXXX. After that my loan got transferred from XXXX XXXX to Rushmore on XX/XX/XXXX, but Rushmore started treating my account as Bank Owned instead as an account under Bankruptcy Chapter XXXX and they served my tenants a letter stating I was no longer the owner of my property. Since then i have not been able to collect any rent payments from my tenants ( see attached exhibit A ). 
I got a letter from Rushmore on XX/XX/XXXX stating that the process to rescind the foreclosure has been completed and that the account is no longer in Real Estate Owned ( REO ) or eviction status. ( see attached exhibit B ) but it wasn't true Now on XX/XX/XXXX has been more than 1year and half and Rushmore still has not rescind the title back to me!! I have been continuing to make my plan payments thru bankruptcy until now. 

I am requesting to help me to resolve this matter, unfortunately due to this situation i have not been collecting rent since XX/XX/XXXX. My tenants have refused to pay me since tenants told me i am not the current owner! 

See attached current title with shows Trustee 's Deed Upon Sale only ( exhibit C ) Right now Rushmore offer me a loan modification with the following terms " AFTER ALL TRIAL PERIOD PAYMENTS ARE TIMELY MADE AND YOU HAVE SUBMITTED ALL THE REQUIRED DOCUMENTS ". This modification is telling me that i need to qualify and i don't think its fair. And also Rushmore wants me to start making payments on XX/XX/XXXX, and they want me to be in charge to do the eviction process which I don't know how many months it will take to vacate the property and due to COVID-19 we have to wait until XX/XX/XXXX. Without knowing if the tenants will move out by that time. 

I don't think it is fair for me when the lender made all this mistake. 

I am requesting to Consumer Financial Protection Bureau to stay involve in this problem until Rushmore Rescinds back the property. 

Please contact me at XXXX XXXX XXXX XXXX or by email at : XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hi there, I was in mortgage deferral since the pandemic started from XX/XX/2020 to XX/XX/2020. I came out of deferral after receiving the letter from the Bank of America in XX/XX/2020 stating how much my payments will be after I come out from the deferral. It said that if I want to come out of the deferral I should start paying starting XX/XX/2020. So from XX/XX/2020 until today date I have been making mortgage payments every single month and never was late. I do have a copy of the bank letter stating how much and when I have to start paying also have copies of my bank statements showing payments being withdrawn from my BOA checking account. I have been calling every month to make the payments and they are all on time. The bank reported me being late for 30 days which never happened I have a pristine credit score and was never late on any payments on any of my loans or revolving accounts. Please assist me on resolving it, i did try to contact the bank but its like getting nowhere. I spent hours on the phone and it seems that nobody does the job. I can provide all the documents that you are requiring to resolve it copies of my bank statements and bank letters.

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 2021-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WFXXXX is reporting a debt collection account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. WFXXXX wont send any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged amount. XXXX  and XXXX have already removed this account from my credit for Violations against the Fair Credit Reporting Act. WfXXXX  also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting WfXXXX delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices 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 non-monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
ARS ACCOUNT RESOLUTION S, will not remove my collections from the report, The collection is a false claim, I have called and shown proof to the company that my daughter had Medicaid at the time of the emergency visit. They continue to report that I owe a debt i do not owe under federal law. {$850.00} XX/XX/2016 date of services, after 3 years it appeared on my credit report, no billing or communication of any kind occurred.

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 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Contacted the company via phone and email explaining that I had already paid the amount they were asking for on the date in question, XX/XX/2017, also emailed the company proof such as bank statement of purchase made with my credit card and receipt that purchase was paid with credit card

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 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AL

Complaint narrative:
Late payment is a kind of fraud. According to my research, the federal law 15 USC 1605 ( a ) finance charge is defined as a " sum of all charges '' so there should be no late payments are to be reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: ID

Complaint narrative:
I applied for a refinance through Amerisave and was told I was approved pending an appraisal, I signed all the proper documents and every time a new document was requested I made sure to send it to them. They changed the documents a few times, I reviewed them and resigned as needed. For two months they lead me on telling me repeatedly that I was qualified for the loan only to turn around after I putting money into it and told me I wasn't qualified and they were closing my file. I am out the money and lack trust in them now.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
We refinanced from NewRez aka Shellpoint to XXXX XXXX in XX/XX/2020. The loan was originally under my father 's name and I had automatic payments out of my account. When we refinanced we switched it to my name. NewRez accepted the payment from XXXX XXXX  to close out the loan. They did not reject the XXXX XXXX wire due to a shortage is there is one that they are claiming. Since then they have been trying to charge thousands of dollars of payments for a mortgage we no longer have with them. I have contacted both parties and am getting no where. NewRez keeps blaming XXXX XXXX  for being short, I have history of statements, closing, payoff statements. I am tired of spending hours on the phone getting no where wasting my time and need some help. I have made multiple calls to Shellpoint and spoke with different supervisors having to reexplain the story every time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: FC HoldCo LLC
State: IL

Complaint narrative:
I contacted XXXX  to remove 6 late payments that were unlawfully added to my credit report by Flagship credit acceptance. When these late payments were added to my account I had received an accommodation from the car finance company due to the impact of COVID. According, to the Cares Act if a lender extends the consumer an accommodation ( deferral of payments ) which I received the lender should only report a current standing. Due to this reporting error my credit has been tremendously impacted.

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 2021-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This is an addition to a complaint I made to the CFPB already. 
I just received my billing statement from Capitol One. 
They refuse to show the amount that is Available to use for credit. As of XX/XX/2021. All information on a statement is supposed to show for my account so I can keep track of all aspects of the billing procedures. I just made a payment on this account. 
There withholding the information that I am entitled to see since I am the one paying on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Hi, This is a follow up to complaint XXXX. 

Synchrony Bank did not credit my XXXX payment. I made the payment on XX/XX/XXXX. I then made another payment on XX/XX/XXXX because the said I was late. That is when I realized that I made 2 payments on XX/XX/XXXX, but 1 was for XXXX. Sychrony IMMEDIATELY lowered my credit limit from {$10000.00} to {$1900.00}, which was right around what I owe on it under a promotion. So I got in touch with them, and told them what happened. They agreed with me that the payment for XXXX was made, and waived the late fee. However, they refused to put my credit limit back to {$10000.00}. They stated they sent me a letter detailing this on XX/XX/XXXX, the same day I made that 2nd payment. Which if you look at my last letter from them, they were going to take retaliatory action with anything that may happen. So they sent me a copy of the supposed letter they sent as of XX/XX/XXXX, which, of course, was not received. In a letter dated XX/XX/XXXX, they denied my credit increase. Well, if you look at the complaint that this is a follow up to. The cancelled cards that were reopened have still done major damage to my credit score. This action was a negative action because the balance was close to the limit. Which this was a listed action on their letter. Synchrony is doing this to retaliate for me taking the proper channels in a complaint. They've already taken actions to show that they know they are wrong. They reopened all the card from the last complaint, with the same credit limit. So when they XXXX  up my XXXX payment, they waived the late fee, but made me keep the lowered my credit limit. I don't understand why they are doing this when there is a global pandemic. If you've seen the news, the CEO stepped down to the board of directors. I wonder if the mass closing of accounts had anything about that. I've heard it was. Oh, and they did what they did in XXXX. As soon as I made a payment, I got a " new statement '' email after that. I made my payment today, for the payment due on XX/XX/XXXX. Right after I made that payment, I received a new statement email. The website also did not update to the payment being met.

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