vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Stilt Inc
State: TX

Complaint narrative:
Hello, I took a loan from Stilt Inc. a few months back. After the loan approval, I opened their Stilt Checking account as they said Ill get 5 % cash-back if I pay loan payments with their checking account. It worked fine for two months. After that i dont know what happened. Stilt checking account suddenly got closed with my money in it around XX/XX/XXXX. It asked me to upload all the documents again like XXXX ID, SSN, etc ... I uploaded it and still, I wasnt able to access it. I contacted Stilt customer care on XX/XX/XXXX and told them the issue. They said theyll look into it. I followed up with them every week through email or phone calls and they say the same thing every week that they escalated the issue to the higher department, other than that theres no help from them. The money to pay for the loan is in that checking account. Im 10 days past the due date and I was fined for late fees and it's gon na report on my credit score that I havent paid my monthly payments. I need help. Please.

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 2021-07-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, Currently, I am delinquent in my mortgage loan of my owner occupied and primary residence located in XXXX XXXX, FL. The mortgage loan is being serviced by Mr. Cooper aka Nation Star Mortgage, which is the servicing mortgage loan company of trustee XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I requested loan modification back in XX/XX/XXXX from Mr. Cooper aka Nation Star Mortgage. I requested loan modification to avoid foreclosure and because I lost my employment due to COVID-19. They sent me a letter denying my loan modification request on XX/XX/XXXX. They are only giving me the options of a short sale, deed In Lieu and reinstatement of mortgage loan with a single-lump sum payment to bring mortgage current by paying all past due amounts, which is a large amount exceeding my capacity to pay. I have asked Mr. Cooper to negotiate the single-lump sum payment amount and reduce it to one quarter or half of the single-lump sum payment amount being requested. In fact, I have even proposed to reinstate the mortgage loan by making several trial payments or payment arrangements in smaller amounts so that it makes it easier for me and I can keep my home, but Mr. Cooper does not even want to negotiate. At this point, Mr. Cooper does not want to accept any affordable payment arrangements or offers to reinstate my mortgage loan. They are simply making it as a high single-lump sum payment and not even consider approving my mortgage loan modification request. 

I appealed again loan modification to Mr. Cooper on XX/XX/XXXX, asking for negotiation of single-lump sum amount requested, and they sent me letter advising me that they will consider evaluating my mortgage loan modification request, but to be on the look out for foreclosure notices coming soon. They have not even attempted to request any financial information from me. My income is stronger in XXXX compared to XXXX income reported to IRS. I believe that Mr. Cooper is not making an effort to evaluate my appeal of a new mortgage loan modification, and they are just simply moving forward with foreclosure proceedings after XX/XX/XXXX when the mortgage/rent moratorium ends. 

I am asking for your intervention in the mortgage loan modification and negotiation of single-lump sum payment being denied by Mr. Cooper and its trustee XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX ). Please help me keep my home so it does not escalate to foreclosure proceedings. I am willing to make affordable payment arrangements and start paying my monthly mortgage loan payments approved by a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: Alorica Inc.
State: CA

Complaint narrative:
There is loan showing on my credit that does not belong to me. I have submitted 2 disputes with XXXX  on XX/XX/21 and XX/XX/21. Each time they have completed and closed their investigation confirming the account belongs to me. No information is being provided to me to confirm this debt is mine. I have contacted the company XXXX myself via email and calls. Over the phone they have not been able to locate an account with my personal information. I sent an email, no response. I contacted the XXXX  on XX/XX/21 with no response from the company. I dont know how else to let XXXX  know this account does not belong 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 explanation
Consumer complaint received 2021-07-08 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: TX

Complaint narrative:
I lost my personal identification information and recently noticed that a lot of request had been made to open accounts in my name. I have not requested that my credit be pulled or received any merchandise from the companies listed on my report. Equifax will not delete the information that I have explained I did not do. SO I am asking that you assist me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kikoff Inc.
State: MI

Complaint narrative:
I signed up with KikOff lending and set my payments for the monthly XXXX on AutoPay. On XX/XX/2021 I was notified that my credit score had dropped by 138 points!!!! This is a tragedy because after investigating, the payment was never taken and it should have been. Nothing changed on my end, the card on file is the same! The company does not have a phone number and I have no where to turn as I am attempting to purchase my first house. I need my points back and my payment history updated as this was NOT my mistake and ALL of KikOFFs!

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 2021-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
The only time that i have ever had a Nordstrom account was in XXXX when i was married but my name was never on the account.. That was my husbands.. I recently had my credit pulled and i noticed a Nordstrom account that was listed as having 5 late payments in XXXX. I have never owned this card and am having a difficult time getting it removed from my credit report. Please assist me in getting this account removed from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
In XXXX my citi bank debit card was locked due to suspicion of fraud because i was spending more than normal when I attempted to call citi bank and unlock my card they would not do so saying i had to go to a branch and provide documents to prove my identity I obliged and went to the branch with my ID and birth certificate and also my medical card the branch told me to allow 24 hours and my card would b unlocked ... that never happened i called back to b told my account is being closed and any funds would b mailed to me in a check 60 business later after the 60 business days nothing came in the mail so i called citi bank again this time I was told my remaining balance was sent back to Illinois unemployment so i then called Illinois unemployment they confidently told me they have never received anything from citi bank so i called again this time theyre telling me its coming in a check wait 60 more business days i tried to speak with supervisor but every single one has hung up in my face every single time my remaining balance was {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
There's a whole long story about how I got to the point of needing a loan modification and I won't go into it unless requested to do so. 

However, I did need a modification and Shellpoint Mortgage provided it. 

When the process began I owed approximately {$34000.00} on my property and had a little over three years left on a fifteen year loan with a 6.25 % interest rate. My late husband and I had taken that loan because we were both working and could make the payments. However, when he passed, it was very difficult for me to make the payments on my own so I asked my mortgage company ( I think it was XXXX ) to rewrite the loan at a lower interest rate and in my name only which they refused to do. I kept asking and finally, after one of their employees told me they wouldn't do anything as long as I was up to date, I let the payment get behind. This, I believe, was in XXXX 

Didn't do me a bit of good. After a few lawyer letters, foreclosure loomed and Shellpoint came into the picture. 

I now have a forty year mortgage ( I was XXXX when this all occurred and will be XXXX when/if I can ever get this paid off ), at a 6.25 % rate ( even though rates have been very low since way before that! ) and my balance is {$68000.00}. My house needs lots of work and is currently worth Iess than {$90000.00}. I can't even sell and make enough to move. 

I am retired and working part time to supplement my social security income but I just know I can't do this until I'm XXXX!. I feel trapped like the proverbial rat. 

Do you think I have a case? Do you have any recommendations for a lawyer? Is a real estate lawyer what I need? 

Thank you for any guidance you can provide,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I requested a wire transfer from by Chase Bank account in the amount of {$7100.00} on XX/XX/21 to a XXXX XXXX  account that was supposed to belong to an end user that would be renting a new apartment to me. The money was withdrawn from my account on XX/XX/21, but I never received confirmation from the end user or supposedly XXXX that the request was made through. It turns out that the end user is a scammer and the apartment rental ad was made on a fake XXXX  site because the ad suddenly no longer exists. They made it seem real with icons, reviews, etc. It was originally found on XXXX, which no longer exists as well because that ad was also fake. The name of the correspondent was XXXX XXXX ( XXXX ) and the account holder name for the XXXX XXXX  account is XXXX XXXX  XXXX This person had initially refused to talk over the phone or meet in person so only email was used for communication. I read an article that someone using the same exact name XXXX XXXX XXXX XXXX had scammed someone in XXXX XXXX using the exact same tactics so this person should be stopped to avoid scamming others in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
This is the second time I've had to file a complaint regarding my experience with Virginia Housing during a forbearance plan. 
Background : I was laid off from my full-time job in XX/XX/2020. The layoff was prior to the COVID-19 pandemic, however, my ability to find a new job was impacted by the COVID-19 pandemic and a job I was offered was then delayed due to the COVID-19 pandemic. All of this was communicated to Virginia Housing. However, in violation of the CARES Act, my missed payments were reported to credit bureaus and my credit score subsequently plunged. I tried several times to resolve the issue with Virginia Housing before filing a complaint through CFPB. Only then was the issue resolved. Calls and emails went unreturned several times during the forbearance process. 
Current issue : I informed Virginia Housing that I am employed as of XX/XX/XXXX and would be able to resume mortgage payments by XX/XX/XXXX. I was directed to submit an attestation form, which I did. I then received a call indicating that the end of my forbearance was approved and the amount owed would be added to my existing loan. I was told I would received a letter via email by XX/XX/XXXX and later via regular mail verifying as much. When I did not receive the promised XX/XX/XXXX email, I followed up. I was then told that there were " concerns '' with my file and that my forbearance appeared to be not due to the COVID-19 pandemic and therefore the loan would need to be modified and more time was needed for that process. I once again, as I had before, explained that my forbearance was indeed due to the COVID-19 pandemic. However, Virginia Housing is still refusing to make good on the original approval and send the documentation effectively ending my forbearance. Instead, they are asking for my " patience. '' I am still behind on other financial obligations and desperately need resolution so that I can refinance my loan and consolidate the debt accrued to support my daughter and myself for the past 18 months. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: CITIBANK, N.A.
State: TX

Complaint narrative:
As Previously stated, I and my family are the victims of ID Theft, account take over, gift card fraud and payment ( ACH ) fraud that caused bounced payments to my XXXX  and XXXX XXXX XXXX  accounts. Citibank has now closed all of my accounts, where I have been a customer since XXXX ( Home Depot ). This was all made aware to Citi when I returned home from a business trip to XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX where I also provided my itineraries. 

Today, I received a call from a strange phone number XXXX presumed fraudster XXXX # XXXX. The person identified himself as XXXX XXXX and stated he was working to # XXXX fix all of my Citibank accounts and that he noticed that the XXXX  XXXX had {$9000.00} applied to it that was not mine ( Gift card Fraud that I have reported several times ), Citi took them all off from both account, added them back on, removed all again, and then added back on again. Citi has done nothing but be abrasive and abusive, save three manager ( one from Fraud and two from XXXX XXXX XXXX who had already cleared things up. Yet XXXX XXXX didn't have the documentation and though all had been approved by Sr. Management to be removed again, the Credit Management team and XXXX added them back though I am an obvious victim of all the above as stated. This is disgusting since I am not responsible for any of these charges. 

What I showed above ( phone number and name ) of a person that has my personal information that allowed them to access my accounts cause fraud, cause account take overs, cause Identity theft and then therefore caused Citi to add back these charges that did not come from me and are FRUD!!!!! The above phone number and name is another yet another piece of proof that I am a victim of ID Theft, Account Take over, Payment Fraud with ACH bounces and finally account closure because I am being screwed by a fraudster and Citi is allowing to ruin my credit! These actions by Citi are wrong all the way around and I demand this be handled or the next note will be from my attorney with a summons to appear in court!

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 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
ACIMA CREDIT XXXX XXXX # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: DE

Complaint narrative:
I have contacted Complete Credit Solutions Inc several times requesting validation of the debt that they claim I owe. They have responded multiple times by stating that they are not a debt collector but simply someone who purchased " my debt '' from " the original creditor '' which is in violation of 15 USC 1692e ( 12 ) - The false representation or implication that accounts have been turned over to innocent purchasers for value. Please see the attached Affidavit of Truth and exhibits that highlight their violations of my rights under the FDCPA and FCRA and the attached Invoice that is due to be paid upon receipt. Under 15 USC 1692k ( 2 ) ( A ) I am owed {$1000.00} per violation of my rights. This company isn't even licensed in my state to collect anything at all! 

They have not supplied any of the information I have requested in order to attempt validate this alleged debt since the consumer is the only one who can validate a debt : Name and address of alleged creditor Name on file of alleged debtor Alleged account # Address on file for alleged debtor Alleged account # Amount of alleged debt Date ( this alleged debt became payable ) Date of original charge or delinquency Was this debt assigned to a debt collector or purchased? 
Amount paid if debt was purchased Commission for debt if collection efforts are successful Please attach copies of the following : Agreement with your client that grants COMPLETE CREDIT SOLUTIONS INC. the authority to collect this alleged debt. 
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
All statements while this account was open. 

Have any insurance claims been made by any creditor regarding this account? 

Have any judgements been obtained by any creditor regarding this account? 

Please provide the name and address of the bonding agent for COMPLETE CREDIT SOLUTIONS INC., in case legal action becomes necessary. 

I have only received The name and address of the alleged original debt collector, account number and alleged balance. I have not received any contractual agreement that I signed with the alleged original debt collector or a contract that I signed with Complete Credit Solutions Inc that says I have agreed to pay them anything.

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 2021-07-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I signed up with XXXX  XXXX  and set my payments for the monthly XXXX on XXXX. On XX/XX/2021 I was notified that my credit score had dropped by 138 points!!!! This is a tragedy because after investigating, the payment was never taken and it should have been. Nothing changed on my end, the card on file is the same! The company does not have a phone number and I have no where to turn as I am attempting to purchase my first house. I need my points back and my payment history updated as this was NOT my mistake and ALL of XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I XXXX XXXX am appealing the loan modification denial. I am XXXX XXXX XXXX and a victim of elderly abuse. My son during the year XXXX pandemic was supposed to be paying the mortgage. But not until early XXXX did I realize he was not. I applied for a loan modification and have been denied. On my denial letter it states I do not make enough income to support my mortgage. That is incorrect, I have a pension and part time work and can afford the mortgage payment of {$2000.00}. It also states I was decline because the value of my property exceeds the balance of the loan. This is also incorrect. My property has equity and I am NOT upside down on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I RECEIVED SEVERAL COLLECTION LETTERS REGARDING CREDIT CARDS THAT WERE OPEN IN MY NAME AND NOW THERE ARE BALANCES DUE. I HAVE NOT OPENED ANY CARDS BECAUSE I AM UNEMPLOYED AND HAVE BEEN FOR THE LAST 7 YEARS. I DON'T HAVE ANY INCOME AND I DEPEND ON OTHERS TO HELP ME OUT. I HAVE BEEN GOING THRU XXXX AND XXXX  ISSUES AND I DON'T HAVE THE CAPACITY TO DO SO. I AM THE VICTIM OF ID FRAUD AND HAVE BEEN FIGHTING AND BEEN HAVING SOME OF MY FAMILY MEMBERS HELP ME CLEAR MY NAME. PLEASE CLOSE THE ACCOUNTS AND REMOVE THEM FROM MY NAME AND CLEAR THEM FROM ALL THREE CREDIT BUREAU REPORTS AS THIS ISN'T ME OPENING AND PUTTING CHARGES ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief