vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
Company called on XX/XX/20 to advise that account was showing 2 months behind on payments but nearly a full payment was in the " suspense '' account, if we were to send a full payment plus {$30.00} this month that would catch up the account. Advised company that one of our hours had been cut severely due to COVID 19 and we are working to make the payment but it may be a little late XXXX or XXXX this month. 

Company advised that was fine and " no worries, we will just notate the account with the payment arrangements. '' Company filed a 30-day late report with all 3 credit bureaus the following day XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My wife received an insurance check for {$4900.00} which we deposited on XX/XX/XXXX to our Wells Fargo bank account. My bank placed a 10-day hold on the check which seemed excessive saying the check maker had bad checks. Turns out XXXX  released the funds to the bank the very next day ( XX/XX/XXXX ) but is still holding the funds until the XXXX. 

I have called the bank twice since then and can not get an acceptable explanation as to why these funds are still being held up.

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 2020-11-09 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: IL

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off 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 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
Barlcays Bank told me that I owed {$1200.00} from XXXX - XXXX and it was written off. 
I have called XXXX and they can not provide me with any information proving that I owe that amount. They can not provide me with any paperwork claiming this to be true. 
I have disputed it time and time again and have spent hours on the phone only to get a representative to say what's on their computer screen but not actually provide any facts. 
I have checked my credit and credit score. I have no outstanding debt, none written off, and a nearly perfect credit score. My credit report would definitely reflect any outstanding debt from XXXX. 
In fact, I've even checked my credit card from that time period and it says, " BARCLAYS BANK DELAWARE Closed EXCEPTIONAL payment history Date opened Indicates the date an account was openedXX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit - $ X, XXX Payment Info Status Paid " satisfactorily '' Status date XX/XX/XXXX Past due amount - {$0.00} '' PAID ON TIME. 

I would like for them to take this note off their account and allow me to use their services again.

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 2020-11-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX  is the facilitator and contact company for XXXX and all billing was combine and paid through XXXX. When the service was terminated, the last billed posted was paid in full to XXXX. I don't owe a balance for services. I contacted the creditor for more information and the call was disconnected every time I asked for them to send me valid information on the account. Such as, the debt validation letter with the address on file with my signed signature and any supporting documentation on the debt. Each time, the line was disconnected by the representative. Again, I do not owe a balance on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The company recently changed the way that they calculate credit scores. During this period i refinanced my equity line, keeping the same amount but lowered my payment by about $ XXXX/mo. My first mortage lender ( XXXX ) went bankrupt. My first mortgage was taken over by another lender XXXX XXXX. They use a servicing company called XXXX XXXX XXXX credit score drops by more than 80 pts. and a comment on my credit report appears saying that my real estate loans are too high, and that my credit useage is 74 %. 
Experian has no idea of the value of the house securing the loans, and they are lumping my secured line of credit mortgage with unsecured credit cards. As a result, my credit score is XXXX points less than that of other credit reporting bureaus. When i contacted them, i was told that i could not challenge their scoring. How can they say real estate loans are too high, when they have no knowledge of the asset value? When asked about the difference credit scoring with the same information, they had no answer. 


















.

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 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Additional complaint against Bank of America Loan went into forebeafance and then deferment due to covid-19. 

Bank of America called and mailed correspondence specifically stating that payment would resume at same amount post deferment and interest & Escrow would remain in a separate interest free account until Loan is satisfied or home is sold. 

This was reiterated verbally as recently as XX/XX/2020 and prior to that in mail and over the phone. 

Then in XXXX monthly payment was increased {$26.00} a month to re-pay escrow deferment and I was told foreclose and loan delinquencies would occur if extra {$26.00} was not paid for remainder of loan!

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 2020-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I received a notification that my credit score had dramatically dropped. I have not had any new loans and all my loans are in forbearance and at zero percent interest due to covid. I have even paid off two student loans during this year. There was a new balance of {$1600.00} applied and showed on my XXXX report and when I called them on XX/XX/2020 and spoke to XXXX at XXXX they had no record of it. I have the phone call recorded as well. They have nobody I can speak with over the phone and I have to mail in a dispute for a reporting error they did that greatly affects my credit score. I know there are many lawsuits against them. This is a racket. It is absolutely insane to me that the government guarantees these loans with no real oversight of the companies and their predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: NC

Complaint narrative:
THESE ACCOUNTS LISTED ON THE ATTACHMENT ARE FRAUDULENT AND NEED TO BE REMOVED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: Conn's, Inc.
State: TX

Complaint narrative:
XX/XX/2020 Credit opened with XXXX 's by someone under my name, home address, SSN. 
Contacted XXXX 's Fraudulent department. 

XX/XX/2020 Conn 's XXXX. Credit opened with Conn 's for {$2400.00} by someone using my name, home address, and SSN. 
Contacted Conn 's XXXX Fraudulent department. 

XX/XX/2020 Checking account opened with XXXX XXXX XXXX by someone using my name, home address, and SSN. 
Contacted XXXX XXXX XXXX Fraudulent department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/2020 Credit opened with Macy 's by someone under my name, home address, SSN. 
Contacted Macy 's Fraudulent department. 

XX/XX/2020 XXXX 's XXXX. Credit opened with XXXX 's for {$2400.00} by someone using my name, home address, and SSN. 
Contacted XXXX 's XXXX Fraudulent department. 

XX/XX/2020 Checking account opened with XXXX XXXX XXXX by someone using my name, home address, and SSN. 
Contacted XXXX XXXX XXXX Fraudulent department.

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 2020-11-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My name is XXXX XXXX I am XXXX years old. I currently live in Florida. I have an account with Santander Bank opened at the branch at XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX XXXX XXXX XXXX. I have been trying to have the funds transferred to my Florida account since XX/XX/2020. The bank is giving me the run around. Initially they wanted a letter requesting said funds, notarized and with supporting documentation. I complied with their request, but they claim they have not received it. Other attempts and phone requests have also failed. Please help! 
Thanks for your time. 

XXXX XXXX XXXX XXXX ( daughter )

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 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I had applied for a rate & term refinance with NewRez on XX/XX/XXXX. 

After missing my closing date by 2 months, I received a closing disclosure on XX/XX/XXXX showing that I was set to close on the refinance, and the closing disclosure sent to me was completely wrong compared to what appeared on the actual closing documents. I will detail the information below : Terms I had agreed to on the original application ( Loan estimate dated XX/XX/XXXX attached ) : Loan amount : {$130000.00} with me bringing {$110.00} to closing. 
I *locked* into a rate of XXXX with XXXX points. ( Rate lock agreement attached. ) The estimated monthly payment was {$1300.00} Closing disclosure dated XX/XX/XXXX ( attached ) showed the following : Loan amount of {$140000.00} with {$1900.00} coming back to me at closing. 
Mysteriously the rate was 2.75 % with XXXX points ( no one ever told me that the rate/points had changed - and rates have gone down since I locked in so there is no reason for my rate to have gone up. ) The loan amount on the closing disclosure showed {$140000.00} with {$1900.00} coming back to me at closing after closing costs and payoff of my old loan. 
The monthly payment was to be {$1300.00} Closing was scheduled for Tuesday, XXXX, and the documents showed a completely different loan XXXX closing disclosure dated XXXX attached ) : Loan amount {$150000.00} with my second lien of {$10000.00} being paid off. It was never discussed with me that the second loan had to be paid off. This was a COMPLETE surprise at closing. I was now receiving {$24.00} at closing. 
The rate was now XXXX with XXXX points. When questioned about the change in rate/points, my processor said " I have nothing at all to do with the rate. '' I contacted my loan officer about this on XXXX with no response. I asked the processor to have him contact me, and she said she would, but it's now Monday XXXX, and I have yet to hear anything about why the rate was wrong. 
Monthly payment was now {$1400.00}. 

I have been incredibly displeased with this entire process - with missing my closing date, messing up the loan amount, lack of communication about a second lien needing to be rolled into the loan ( no one even asked me if I would like to pay it off with cash ), inaccurate closing disclosures, the interest rate and point combination changing with no explanation, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: PA

Complaint narrative:
I'm requesting that this collection be removed from the credit report. My credit limit was {$300.00} and I settled to pay XXXX. I attached my supportive documents. Thank you

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 2020-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
THESE ACCOUNTS LISTED ON THE ATTACHMENT ARE FRAUDULENT AND NEED TO BE REMOVED ASAP.

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 2020-11-09 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: NC

Complaint narrative:
THESE ACCOUNTS LISTED ON THE ATTACHMENT ARE FRAUDULENT AND NEED TO BE REMOVED ASAP.

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 2020-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: AZ

Complaint narrative:
I contacted XX/XX/XXXX about the debt and disputed it many times. The paper work on the debt seemed shady to me. The bill we supposed to be covered by XXXX XXXX in Texas. I see know charge of date in the paperwork. It looks the bill is un clear. I contacted the collector and informed and be keep telling me wrong dates and making up what thing mean on the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I'm requesting that this collection be removed from the credit report. My credit limit was {$300.00} and I settled to pay XXXX. I attached my supportive documents. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
( i ) Home refinance loan applied on XX/XX/2020. 
( ii ) Citibank requested {$1000.00} up front fees on XX/XX/2020. 
( iii ) Borrower paid fees on XX/XX/2020. 
( iv ) Citibak delayed process, loan not provided, borrower forced to withdrawal application. 
( v ) Borrower on XX/XX/2020 asked for the refund of the {$1000.00} fee ; ( vi ) Borrower application expenses totaled {$2200.00}.

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 2020-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: MD

Complaint narrative:
Receivables Management System has placed a medical collection on my consumer report without giving me the chance to dispute the validity of the alleged debt thereby violating the fair debt collecting act. when i found out i reach out to them and spoke to a representative over the phone in the first week of XXXX i then requested validation of the account. i received a bill from them requesting that i pay. i then sent back a request for validation. i have attached copies for review. it's been over 30 days they received my letter as i sent it certified with return. the debt has not yet been validated but the account remains on my credit in violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: PR

Complaint narrative:
The debt collector XXXX ( FOCUS RECEIVABLES MANAGEMENT ) put in my XXXX and XXXX credit report a debt collection for {$560.00} from XXXX. I dispute the collection in XXXX and XXXX for the reason that I've never had any service from such a company neither requested any service at all. XXXX investigated and delete the derogatory mark but XXXX still there. I search for XXXX ( FOCUS RECEIVABLES MANAGEMENT ) online to verify the authenticity of such a company but they don't have any website. In the XXXX XXXX XXXX, this company has a D- and it's no accredited by XXXX ( link Below ). 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
I sold a laptop on XXXX a person purchased it I got paid for it through PayPal the buyer opened a case against me for not receiving the item, the package was tracked and proven to be delivered case was closed in my favor and money freed up taken out by me I reported the buyer as suspicious because of the outlandish request of item not received and the world ending if he doesnt get paid, very suspicious, two days later buyer opens another case start he wants refund because item was not as listed listed as XXXX XXXX but it was XXXX XXXX I proved easily through listing pics that it clearly shows XXXX XXXX once again a bogus claim by a suspicious buyer, XXXX then sends me a email to send the buyer a return label I stated that I was not due to suspicious request and my case closed and reporting the buyer as a scammer XXXX them just debits my account and tries to take my money back without a resolution or at my request now my account is negative and they are want my money NOT FAIR OR LEGAL

Company response to consumer: Closed with non-monetary relief