vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-18 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: OH

Complaint narrative:
This is not my account and another collection company is stating they owns this account on the XXXX and XXXX. Therefore this account information is inaccurate and need to be delete. Also, I'm unware of this debt did not have the opportunity to dispute as I have never received information. 

XXXX XXXX XXXX # XXXX Please provide verification, method of verification and validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC.
State: SC

Complaint narrative:
No returned calls or emails.

Mislead about a refinance.

Mislead about the removal of Our mortgage insurance. 

XXXX XXXX caused a financial burden throughout our attempts to refinance our property. Words cant express how unethical they have treated my father and I even as their current customers. My father and I own multiple houses and this is the worst experience weve ever had with a lending company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Sunrise Credit Services sent me a letter in the mail, saying they are trying to collect a debt. 

I owe money to XXXX XXXX in the ammount of XXXX. 

They tried to get my social security number, my credit card number and my email address.

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 2020-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: VA

Complaint narrative:
unable to make principal only payments. i make double payments and my loan is prepaid 5 months but I am unable to reduce the amount of interest I will pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: CO

Complaint narrative:
Because I am XXXX the company is not accepting normal proof of identity and address and is keeping me under additional scrutiny. I am a us born citizen regardless of my race and name. I provided my lease, utility bill, phone and cable bill, bank statement, ss card and a valid state id. The barraged me with emails to have my federal benefits direct deposit ( which again confirms id and address ) and the would not activate the card they sent so i can access my own money/federal benefits claiming the harassment is the fault of the government because of XX/XX/11. If they were not being XXXX towards XXXX applicants and customers this would not be an issue. i am XXXX and have XXXX kids, our benefits are necessary to survive and pay for life sustaining medications. i need help to stop this harassment, discrimination and ensure access to our federal funds.

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 2020-09-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: National Management Recovery Corp. (NMRC)
State: TX

Complaint narrative:
I recieved a voicemail on XX/XX/2020 at XXXX from a restricted phone number that stated " hello, XXXX. My name is XXXX XXXX maam contacting you once again now you case number being filed out of XXXX County ive reached out to you several times ( im assuming restricted ) maam over the last few days all correspondence has been ignored youve left me no choice but to forfeit your legal rights and proceed to have you located. We have now verified you commercial as well as several residential locations. Im just saying ms XXXX you still have the legal right to contact the office processing your case prior to the order of location being released. I will provide information to that office once again so there's no way for you to state you did not have prior knowledge to this matter. The number provided to that legal office is XXXX again maam you will need to provide case number XXXX. This is considered your final legal notification by phone and XXXX XXXX you will be located unless im instructed otherwise. '' I called that number at XXXX XX/XX/XXXX and was told that I could pay XXXX or pay ( if memory is correct ) almost XXXX dollars in fees and i had also informed her that no one has tried to contact me and if they had it had been restricted. I also told her to take it out at XXXX and they attempted to take it out at XXXX XX/XX/2020. I later recieved a phone call from a restricted number yet again at XXXX XX/XX/2020 about the attempt from the " search party '' saying that my file ended up back on her desk. So I then asked the name of the company and she said " XXXX '' i then later checked my account and the name said XXXX. I later went to the XXXX XXXX XXXX website to get information and it stated that my debit went to the XXXX XXXX National Management Recovery Corporation and i called them at XXXX. They processed to inform me that it was sent to another company called XXXX XXXX with whom I have left a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
XXXX XXXX Bayview do not combine this response with any other request do not send document that are not requested do not send copies of the mortgage do not send Bayview statements do not send a account history do not send frivolous documents not requested, send your response in writing as mentioned numerous time via USPS. 

In your Reinstatement Letter dated XX/XX/2018 attached send the breakdown of {$9800.00}, 1-specify each month the total amount due with the breakdown for principal, interest, escrow 2-identify the month amount of each late charges totaling {$250.00} 3-what month are you forecasting a late payment {$42.00} 4-breakdown of the other funds of {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is about an unauthorized charge. We have neither ordered or received any goods or services from this merchant, not now and not ever. We do not know who they are, nor have we ever done business with anyone from XXXX. 
Despite correspondence Capital One has not been able to even inform us details about the merchant other than 'XXXX XXXX on the statement. They do not know where they are, what was purchased or who signed for it or where it was delivered. 
Calling Capital One I have been passed around different operators and after an hour was provided no resolution. 
There only offer is to re-issue the card with a different number which is anacceptable as it is disruptive to my business. 
I also tried to resolve this through XXXX  but Capital One was unhelpful

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Balance Owed : {$24000.00} - I was very sick and was affected by COVID. Please update late payments on this account. 

XXXX XXXX Balance Owed : {$8800.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. 

XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020.

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 2020-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Balance Owed : {$24000.00} - I was very sick and was affected by COVID. Please update late payments on this account. 

XXXX XXXX Balance Owed : {$8800.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. 

XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020.

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 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Synovus Bank
State: FL

Complaint narrative:
My loan became past due in XX/XX/2019 after my husband and I were in a fatal accident. I was in a hospital and rehabilitation for months unaware of my husbands death. In XXXX I reached out to XXXX XXXX of XXXX FL for foreclosure prevention assistance. In XXXX I meet with XXXX XXXX XXXX XXXX XXXX XXXX XXXX who also has a 2nd mortgage on my home. They are ready and have agreed to pay up to {$20000.00} of my past due balance. I've been getting the no where with Synovus Mortgage or the attorney assigned XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX. I've been told in writing by Mr. XXXX that Synovus has agreed to allow me to assume the loan and that no credit report/score is required. Two months has passed I have no information on being able to assume the loan ; the only way XXXX can make the payment on my behalf I must have the loan ( mortgage statement ) with my name on it. When I call Synovus they direct me to the attorney, when I call him he is not available or can not provide any progress on my case. I was notified by XXXX at Synovus XXXX they plan to sell my loan to another servicer. My goal is to bring my account current with Synovus before any transfers happen ; I don't even know if they have put the loan in my name. They also mentioned needed a subordination for the 2nd mtg, the 2nd mortgagee is XXXX XXXX XXXX XXXX and XXXX XXXX. This is the same agency with funding to pay the past due balance, they have no problem subordinating. The issue is the lender and attorney are not communicating in a timely manner and they are not on the same page. I can afford to pay my mortgage going forward ; I just need the proper information to get the mortgage brought current and have a agency willing to help. Can you please get Synovus or their attorney to respond to my requests? XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: IL

Complaint narrative:
On XX/XX/2020 I sent a letter to Experian regarding some disputes of information that is incorrect on my report. On XX/XX/XXXX or XXXX the letter was received by Experian - as highlighted on the return receipt for my certified mailing. 

I contact three different representatives on XX/XX/2020. According to the representative in the Mixed department - Experian did not receive my information and wants me to start the process over. 

The company clearly received my mailing. Under the Fair Credit Reporting Act the company is limited in the time to respond. It is incredibly frustrating that this company has chosen to delay the process and wants me to start over when I did my due diligence in mailing the information to them.

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 2020-09-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Balance Owed : {$24000.00} I am requesting you to remove late payment on my credit file base on deferment. I was never and it is hurting my credit. 

XXXX XXXX Balance Owed : {$8800.00} - I am requesting you to remove late payment on my credit file base on deferment. I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I was never late and it is hurting my credit. I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. 

XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. I was never late and it is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am a current mortgage customer with Wells Fargo Mortgage. I started the refinance of my home in South Carolina at the beginning of XXXX. My income change after the death of my ex husband and I wanted to obtain a lower mortgage payment plus pay off two loans, As of today, XX/XX/2020 my refinance has not been completed. I am very upset after being told that refinancing can take up to ninety day. I have provided all requested documentation and received a conditional commitment letter on XX/XX/2020. The processor of this refinance is XXXX XXXX who has been very unprofessional by not returning my calls or responding to emails. I am also working with XXXX who has been absolutely wonderful. XXXX assisted me with my Executive Complaint and he was very helpful as well as Miss XXXX who is currently assisting me with try to get to a closing date after almost seven months.

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 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax : Keep disputing addresses, receive notifications NUMEROUS TIMES the addresses have been deleted however the addresses are still listed!!!! There's a XXXX XXXX ( Never had one ) & XXXX XXXX XXXX. ( I lived at the XXXX AND A XXXX NOT XXXX XXXX XXXX ) Could you please make this happen once and for all? I can't tell you how many times I've disputed & received NUMEROUS responses they have been removed. It's under " Your Identity '' THANK YOU SO MUCH!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MO

Complaint narrative:
I AM A VICTIM OF ID THEFT. A BANKRUPTCY IS REPORTING ON MY FILE AS A RESULT OF THE ID THEFT. LEXIS NEXIS AND XXXX ARE REPORTING IT. LEXIS NEXIS TOLD ME JUST TO SEND THEM THE POLICE REPORT AND THEY WOULD TAKE CARE OF IT. I DID SO AND NOW THEY ARE SAYING UP TO 90 DATS. EVEN THOUGH THE 45 DAY TIMEFRAME HAS EXPIRED. XXXX WERE SUPPOSE TO PROVIDE THEM WITH THE POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated
State: FL

Complaint narrative:
I have been claiming unemployment from the government because I was temporarily released off work because of COVID. When I signed up for unemployment I didn't know I was registering an account with Way2Go Debit Card. So a portion of my unemployment has been sent to unactivated account. I don't have the copy of the card to the account therefore, I have no access to my money. I would like to be helped to gain access to the account. You guys have reached out to me but I missed your call. I left 3 voicemails since XX/XX/XXXX and I haven't been reached back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Balance Owed : {$0.00} - This kind of account is actually noted as a charged off account, you need to let me know the actual reason why there's a balance showing you on the record if it is a charge off. 

XXXX XXXX Balance Owed : {$0.00} Many times delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Many times delayed that is being accounted on my credit report seems inaccurate and or misleading. If possible provide facts that this supposed account was in fact delayed and that you have got the needed techniques to make sure you correctly analyze your claims. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account standing which is lately reporting on this credit record has a severely unwanted relation to my personal option to attain permission to get a present loan application, please don't hesitate to provide proof that this has been reported perfectly as documented in the Fair Credit Reporting Act guidelines, this is a serious problem to mis-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 2020-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XXXX XX/XX/2020 I applied for a XXXX Rewards PREPAID DEBIT card and, after it was approved, loaded {$25.00} onto it : Account GENERAL CHECKING Original Description CHASE XXXX RELOAD XXXX OH Trans. Type DEBIT CARD PURCHASE Posted Date XX/XX/2020 Amount ( {$25.00} ) Auth. Date XX/XX/2020 I then setup online access to manage the card. When I tried to login and get an update on XXXX XX/XX/2020 re : the status of mailing the debit card, I was denied access. I then called Chase who said they couldn't help me and I needed to enter a branch, which I didn't know of any near me at that time. 

I then received the debit card and a letter from Chase on XXXX XX/XX/2020. When I went to activate the debit card, it was already canceled. The letter indicated the account that was holding my initial {$25.00} deposit was closed for the supposed reason of " fraud. '' This is a lie because there was no fraud. They said I didn't follow their request for entering a bank and proving my identity, but they NEVER asked me to, so they lied. 

The fraud department would not take responsibility and explain the real reason they closed my debit card and I want other consumers to know they CAN NOT TRUST Chase and should avoid them. As of the time of this complaint, Chase is still holding my {$25.00} and will not release it until XXXX XX/XX/2020 at the earliest, which is unacceptable since they are the ones lying to me. 

Again, they NEVER asked me to visit a branch or provide any additional documentation, they are lying. I want Chase to release the real reason they've done this to me and I want my {$25.00} returned immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Collection was opened XXXX XXXX amount {$1800.00} Collector Midland Funding LLC original creditor 01 XXXX  XXXX XXXX A Account Status with XXXX  says Open

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
We are appealing to you again for help, see out previous case. We have been in the process of trying to get a mortgage with Quicken Loans since XX/XX/2020. Originally we were told that XXXX would be no problem. The apartment is worth XXXX and we can easily afford the monthly mortgage payment. 

After many months of running around in circles per their directive we then asked what could we get from Quicken and were told XXXX. 

They are now annualizing husbands income which is XXXX from his last commission check. If you had made the loan in XXXX when they should have this would not have been an issue. 

They got in our way and their own way of issuing this loan in a timely and ethical manner. They are not supposed to let this drag on. 

XXXX XXXX called yesterday and told us that Quicken would give us a {$96000.00} loan. We told XXXX that we would accept this and now we are trying to get the commitment in writing and to find out when we will see the money. Please assist, this has been one disappointment after another not to mention the time and energy we spent. I still want the {$140000.00}. 
XXXX and XXXX XXXX

Company response to consumer: Closed with explanation