vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been seriously affected by COVID, my husband passed away and the bank refuses to assist me with any of the government backed programs, like mortgage forbearance or something like that. I have called several times, went to the branch and all I get is the round around excuses. Help me 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 2021-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
on XXXX i sent an Estoppel by silence letter to Fair Collection Outsourcing ( FCO ). to this day they failed to removed the alleged debt. I am seeking monetary damages for violations. Under 15 U.S code 1681b permissible purposes of consumer reports, I never gave FCO any written consent to report anything on my consumer report. No consent is identity theft. As a consumer by law this account must be deleted immediately. thanks!

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 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
I am writing this letter of hardship to explain my financial situation that caused me to fall behind on my mortgage. We have owned this home for 23 years and have always been responsible home owners but we never imagined the our financial and health would take a huge hit in 2020. We fell past due on our mortgage in XX/XX/2020 due to XXXX-XXXX, I am a correctional officer for the State of Ohio for the las 21 years and in XXXX we had a huge out break of XXXX hit our Prison, when this happen our full times shift got reduced to below half, all over time and special pay went away due to limited capacity of officers allowed in the prison to prevent the spread. In addition, I came in contact with XXXX and had to distance my self for 2 weeks without pay and was not able to go home due to my wife having a chronic illness Acute intermittent XXXX  which XXXX  XXXX would have killed my wife if she came in contact with the decease because of this I had to stay in a hotel away from my family which my work did not cover. With already my little income and huge reduction my net income took a huge hit and I fell past due with my mortgage, unfortunately. 

I am now back at work full time and have received my vaccine shot. Please help me get my mortgage back and current so I can keep a rook over my family 's head and save my piece of the American pie, my home. 

I have applied for a Loan Modification with SPS but they refuse to review my application, I have always submitted all items as they asked but each time they tell me they offered me a repayment plan which they never did but since they offered me this one time they are refusing to work with me. 

In addition the lender will not provide me with a denial letter or a single point of contact and are actively proceeding with foreclosure while I work with them for help. I feel they are more interested in my home than helping a Law Enforcement Officer and his family save their home from foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: MN

Complaint narrative:
They are claiming I was overdrawn when I wasnt, the app is way off from what is seen on their end??

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 2021-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Roadrunner Account Services, LLC
State: FL

Complaint narrative:
I made a payment over the phone via automated payment, and I put a payment of XXXX dollars and didn't realize the payment was missing XXXX cents. Because of the missing XXXX cents it marked my payment history as late. This was an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: OH

Complaint narrative:
We paid off our mortgage on XX/XX/2021 and still have not received our Escrow that is due back to us as of XX/XX/2021 from Guaranteed Rate. We have contacted several people at the Mortgage company several times over the past two weeks and no action has been taken to get this resolved. I have sent a formal complaint to the company involved today and there only response is that it will take another 5-7 days plus shipping time for us to received our money. I do believe that this Mortgage Company, has 20 business days to refund our Escrow. We have made calls, sent texts, and now emails, of which I have full record, of asking about this and we keep getting the runaround and told to keep waiting. We have phone records to show our first time calling about this problem was XX/XX/2021. We have continued to inquire via phone, text, and email since then. Given the consequences we would surely face if one of our mortgage payment was delayed like this, they would not afford us an ounce of patience. I expect them to be held to the same standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: TX

Complaint narrative:
wrong info : Fcra violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I opened a secured capital one card in 2018. I put in {$500.00} to secure a {$500.00} limit on their card. We were told that as long as the account was kept in good standing, we could request to have it turned into a unsecured capital one card if it wasnt automatically done in 6-12 months. Its been 3 years. Not only has it never been changed to an unsecured card, but theyve never increased the limit. Since we opened this card, we got another capital one unsecured card as well as other unsecured cards. So after 3 years, I called & talked to 4 people. 2 reg customer service & 2 senior supervisors who not only couldnt help, but had no more info that general account balance, payment info, etc. that you can get on the app. They also said there was no higher supervisor. In the end I wasnt given any info on how to upgrade my account to an unsecured, why it hasnt become an unsecured or anything really on that. In fact, they wanted me to fax my card terms & info sent from 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
XXXX XXXX promised to delete the COLLECTION from the credit upon payment. The account was settled on XX/XX/28 and the collection is still reporting on my credit. Please delete the collection in its entirety as promised Also ACIMA CREDIT was settled and yet the company didnt update the account as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: EQUIFAX, INC.
State: AR

Complaint narrative:
None is the questions in the beginning of complaint really relates to my chief complaint. My complaint is that I have a XXXX XXXX  credit card, I make all payments on time with Regions bank! My payment history are exceptional!! Well on XX/XX/2021 I made my XXXX XXXX  credit card monthly payment in the amount of {$290.00} via phone. Then on XXXX XXXX I made a double up payment to my XXXX credit card account in the amount of {$930.00}. However, since making the payment, I haven't noticed my payments made in XXXX being reported by XXXX XXXX credit card accordingly. Them not reporting my payments aren't helping my credit or my score but tearing it down and depriving me of a potential elevation in my score as well being recognized for making not only my monthly payment on time but I have made in addition to my regular monthly payment a triple payment to my account and I deserve the right to have my payments recorded in the proper time frame but routinely every 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I am extremely UPSET with this company. I have sent a dispute when this first came on my credit report on XX/XX/XXXX. XX/XX/XXXX, I submitted all my information and documentation to XXXX, XXXX, and XXXX XXXX. This was rectified and removed from my credit report in XX/XX/XXXX on XXXX  but not on the other 2. I submitted a dispute recently in XX/XX/XXXX ( in writing ) to the creditor Kia Motor Finance asking them to also remove the information reported INACCURATELY to XXXX  and XXXX XXXX. They have now put that information BACK on XXXX  as of Today XX/XX/XXXX, and my score has now dropped by 70 points!!! This is COMPLETELY UNACCEPTABLE!!!!! I am closing on my home in 3 days and I need this FIXED ASAP!!!! As you can see from the attached documents, XXXX and XXXX Bills were not updated no matter how many times I called and the insurance company called for that to be done. The bill was not revised until XX/XX/XXXX and I didn't receive that revised Bill until XX/XX/XXXX when I called in to have it emailed to me!!! Which then was paid within minutes from the insurance company and myself!!!

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 2021-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I contacted XXXX  on XX/XX/XXXX, about unauthorized inquiries. I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : XXXX ran on XX/XX/XXXX XXXX ran on XX/XX/XXXX XXXX XXXX  ran on XX/XX/XXXX XXXX XXXX  XXXX XXXX ran on XX/XX/XXXX I contacted Transunion on XX/XX/XXXX, about unauthorized inquiries. I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : XXXX XXXX XXXX ran on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ran on XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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 2021-05-06 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: Lincoln Educational Services Corporation
State: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company LINCOLN TECH account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I forgot to schedule my payment to come out on the due date, so I scheduled it to come out as soon as I realized the error. The payment is scheduled to post on XX/XX/XXXX. My mother told me she received 3 phone calls on the XXXX and 3 on the XXXX about the severe delinquency of my loan. I am the primary borrower and only received one call. My loan is barely 15 days past due. When I contacted Firstmark they started that they continue to make those calls even if the payment I scheduled. I asked why they felt the need to call over and over again. They said the calls are randomly generated. I asked why the primary borrower wouldnt be contacted first and he was like oh I dont know. Then he said the calls will continue until XXXX XXXX  of the day of the scheduled payment. 

This is very misleading. My mother was going to make the payment, but thankfully I let her know I already had one scheduled. This tactic seems very misleading and manipulative. If someone has a payment scheduled, they should not be calling anyone other the primary borrower, and they really shouldnt be calling anyone at all if there is a pending payment. The volume of phone calls and e-mails my mother received is borderline harassment. This company should not be allowed go call people numerous times a day when they have a payment pending!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: OH

Complaint narrative:
XXXX XXXX XXXX  IS REPORTING {$1600.00} A INCORRECT ACOUNT ON MY CREDIT REPORTS. THE ACCOUNT IS NOT MINES ME AND MY FATHER HAVE NAME.

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 2021-05-06 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: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I found a collections account on my credit report from Credence Resource Management. XXXX said the debt began XXXX of XXXX, and is from XXXX XXXX XXXX. I called XXXX and they do not have an account under my name. I called the collections, Credence Resource Management, and they also do not have an account under my name. However, they are reporting it to both XXXX and XXXX and it is negatively hurting my credit. I believe either the collections agency is trying to collect a debt I do not owe, or they have the wrong person. Either way, they refused to take the collections off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06 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: CA

Complaint narrative:
Trans Union is reporting false information about my account. 
For example, all the false statements as " Too many installments accounts with a delinquent or derogatory payment status. '' The above statement is completely false and not true.

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 2021-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
The company sold the vehicle years ago and till this day, they are still reporting the account on my credit Even if I haven't had that vehicle in years, they are still harassing me and its illegal to still report a vehicle that you no longer have or have the rights to the vehicle

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 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021 my Chase Bank XXXX Account was used in an act of fraud whereby XXXX unauthorized transactions took place on my account, debiting {$1800.00} from my checking account. These transactions all took place at a XXXX XXXX in XXXX, which is approximately XXXX miles from my home. When I called XXXX, they initially helped and told me I was not responsible. We cancelled my debit card and within a few days the money was returned. Shortly after, they sent me a notice ( via message in my online banking profile ) stating that they reviewed my claim and determined the transactions were authorized and then they debited the money back out of my account. When I called them to ask why, they said that the transactions could have only happened if the person had my pin #. Because of that, they said it was authorized. I again told them that I NEVER authorized anyone to use my debit card, that my Debit Card was in XXXX with me ( at home ) and that those were not my charges. They refused to talk to me any further and denied the claim. I asked them why the Chase XXXX Dept. didn't pick up and give me an alert for XXXX transactions being done on my card within a few minutes over XXXX miles from my house. Isn't their fraud protection supposed to help their clients get alerted to such things? They again, said it was an authorized transaction and not considered fraud to them. However, if I use my debit card a mile from my house at a gas station, they send me a text asking if it's me. But they did not even pick up on XXXX transactions within a matter of minutes at a convenient store in the amount of {$1800.00}. To me, Chase was deficient in their responsibility to protect their customer. I did not authorize any transactions, I did not make these transactions and they failed to protect me. Further, it is my understanding that they are to provide me with information on how to appeal that process. They did not. They just sent me a denial with no clear reason on why it was denied ( other than saying it was an authorized transaction ) and no information on appealing the decision. I have spoken to several XXXX and they all continued to deny the claim. One person even accused me of trying to fraudulently make a claim. I just want my money back. Again, these transactions took place at a XXXX in XXXX, while I was at home in XXXX ( with my debit card in my purse ). Chase Bank/JP Morgan Chase did not protect me in accordance with the expectations presented to me when I chose to bank with them. Further, when whomever was committing this crime was trying to set up a digital wallet using my account, I got a text from Chase Bank with an activation code. I replied to the text that is wasn't me and that I did not add my card to a digital wallet. Chase did nothing! Whoever did this was able to set up a digital wallet using my account without Chase catching them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I completed a police report on XX/XX/XXXX. sent a certified letter to I.C. Systems on XX/XX/XXXX and XX/XX/XXXX for validation of the debt and got no response. active fraud alert is on file with all XXXX credit bureau 's

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 2021-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently sent a dispute letter to TransUnion, XXXX, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either XXXX. The reason I'm filing this complaint against them is that XXXX Law requires them to respond within XXXX days yet they have failed to respond. earlier to comply with these XXXX Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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