vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I sent a complaint via ( CFPB ) in reference to this alleged debt owed to XXXX XXXX in the amount of {$5800.00} from Midland Credit Management. I asked Midland Credit Management XX/XX/XXXX for legal validation of this alleged debt. Midland failed to validate this debt appropriately in accordance to federal law ( FCRA ) stating that this debt is just accurate. XX/XX/XXXX, I received letter from Midland Credit Management Legal Department in reference to the XXXX  XXXX account. Midland Credit Management indicates in this letter that I have until XX/XX/XXXX to pay balance in full or face lawsuit. I currently have on standby legal counsel awaiting the alleged lawsuit to come from Midland Credit Management as they continue to break federal law and violate consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
My credit card with Home Depot is issued by Citibank. The credit card company is not sending my all of my billing statements. When I have a XXXX balance or have a credit balance, I am not receiving my statements for the following month to show that the company received my payment or issued a credit to my account. If I have a XXXX  balance, I should receive my statements to show all of the transactions for the previous billing cycle. I did not receive either my XX/XX/2020 statement or my XX/XX/2020 statement. 

When making a payment at a Home Depot, the company will only accept my check if I do an electronic transfer instead of using ACH. Missouri law states that I must agree to an electronic transfer. If I choose not to, Home Depot should still accept my payment as they have done so in the past instead of trying to force me to do something that I have no legal obligation to do. Home Depot employees should be trained to know how to accept both ways.

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 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I had been making payments on a mortgage loan against property that was originated fraudulently, but loan was in my husband 's name. I did not discover the new loan until husband died in XX/XX/2016. I continued to make payments but sued company XXXX XXXX and Ocwen Mortgage Servicing ). During the litigation Ocwen tried to stop accepting payments and rerouted all mail to the wrong address. In XXXX they started rejecting my payments for no good reason until the mortgage got behind several months. After the lawsuit when I called to check the status of the loan I was initially told that no one could talk to me about the account. Finally, after resubmitting information that I had already sent showing that I was the Executor they finally spoke to me. Now they have added late fees and started to threaten foreclosure without answering why they originally rejected my payments. Now it is approximately {$11000.00} behind and I can not catch up, however, they want me to pay the default and fees in full. I can not pay everything at once, but I do want to resume making reasonable payments since I never stopped making payments anyway. I believe this is harrassment and retaliation for suing Ocwen and not assuming this loan after my husband 's death.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: TX

Complaint narrative:
AAG solicits for reverse mortgage loans but doesn't even know the HUD Loan requirements for reverse mortgages. So they go forward wasting time and getting your money quickly to pay for an appraisal. Then the appraiser notifies AAG of the HUD loan requirements that AAG should know. Then AAG wants to keep the money for the appraisal. After much battle, AAG refunds {$270.00} but refuses to refund the other {$120.00}. 
After much battle for a measly {$120.00}, I receive this email and copies XXXX XXXX : From : XXXX XXXX XXXX XXXX Sent : Wednesday, XX/XX/2020 XXXX XXXX  To : XXXX XXXX XXXX Cc : XXXX XXXX XXXX Subject : RE : Transaction Refund from AMERICAN ADVISORS GROUP for {$270.00} ( USD ) XXXX XXXX, Maybe you misunderstood what I told you, I stated that we authorized the additional {$120.00} and that we would be sending that out separately, youve received the 1st portion of refund you should be getting the additional {$120.00} as well. Sorry for the misunderstanding. Please feel free to call me for further clarification if needed. 

Thanks, XXXX XXXX Mortgage Professional NMLS # XXXX AAG | American Advisors Group Phone : XXXX ext. XXXX Fax : XXXX Email : XXXX Mailing Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Please consider the environment before printing this email. 

44 DAYS LATER, I receive this email : From : XXXX XXXX XXXX Sent : Friday, XX/XX/2020 XXXX XXXX  To : XXXX XXXX XXXX Subject : RE : [ External ] RE : Transaction Refund from AMERICAN ADVISORS GROUP for {$270.00} ( USD ) Hello XXXX XXXX I was informed that the request for the refund was declined. 


AAG must be having money problems, is a mess, totally unorganized and their word isn't even worth {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for a small XXXX  loan today XXXX/XXXX/2020 and I was not approved because I was told that there are several accounts reflecting badly on my credit history ; I was surprised to hear this since I have always made sure to keep all of my credit cards and loans current and paid on time. I looked through a copy of the credit report they pulled and I saw several accounts that do not belong to me. The accounts are from a few different companies all of which I am not affiliated with in any way. I have never opened an account with any of the companies I listed on this report nor do I have any contract with them. I don't know who is responsible for opening these accounts in my name without my permission but I did not gain anything from these accounts such as money, goods, services or anything else. I have filed a police report regarding these unauthorized accounts as well as a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: FL

Complaint narrative:
There is an unauthorized account on my credit report. XXXX XXXX XXXX . This account was never requested and I am not aware of these account can you investigate. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Arcadia Holdings, LLC
State: CA

Complaint narrative:
ARCADIA RECOVERY reporting an erroneous collection to my credit report. My numerous attempts to contact them went ignored ... they have not answered any letters in the past 3 months and do NOT answer their phone after making me hold for 45-50 minutes at a time auto system directs me to leave a message and NOBODY CALLS ME BACK. I have disputed it with credit bureaus who came back stating " collection company validated the account so they can NOT remove it '' however when I request validation of this account I get NO ANSWER .... in a meantime this is damaging my credit rating ... this should not be legal to do ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
OnXX/XX/2020 I contacted BBVA Compass for my mortgage payoff. 
I am in the process of refinancing and I was told that my payoff was XXXX. Loan documents we drawn and when the title company went to pay off the loan on XXXX they were told that the amount due was XXXX. In between the 2 dates I made my monthly payment of XXXX and a XXXX curtailment. Loan is 4 % and daily interest is just over XXXX dollars. 
We called BBVA and I have since contacted them over 15 times and spent close to 15 hours on the phone trying to get resolution. On XXXX my principal owed was XXXX. After a payment they are now saying my principal owed is XXXX. 
No one there can explain it and When I ask to speak to management or anyone capable of making a decision they tell me to be patient and that they are working on it. At this point I need resolution immediately or I will have to pay teh refi bank to redraw documents and pay title to sign again. BBVA has been evasive and aweful. They have told me that tehy would have an answer on 6 different occasions and no one from BBVA has ever reached out to me as they say they will. 
Please help becuase I'm getting no help at all from them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft, Experian is no Stanger to this information. 

I disputed this address ( WHICH IS NOT MY ADDRESS! ) These addresses are a result of fraud. 

Experian is now in violation of the FCRA section 623 Violation : Defamation, willful injury They ( Experian ) refuse to correct information after being provided proof of inaccuracy. 

These SAME ADDRESSES WERE Deleted from XXXX  because they're fraud! 


XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: TX

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
To whom it may concern : I am writing to complain about my banks handling of my credit card starting this past XXXX. 
In XXXX of this year, I called my Wells Fargo customer phone number to make a payment and told the representative that I could not afford to make my regular payment due to financial hardship. My main job that brings in most my income drastically reduced my hours/income and I was having trouble and still having trouble paying my bills. This job was affected by the COVID-19 and resulting impact was a major reduction in my income. So the rep on the phone said Wells Fargo had a COVID hardship program and I could defer payment two months in a row. I said yes to the program but a few days later I found out my card declined and I had almost {$12000.00} left of credit available on that card and found out the credit line was reduced to a little over {$8000.00} which left me with only {$100.00} of credit to spend on my card. I was furious when I found this out, as I have been with Wells Fargo for about 30 years and worked my rear off to get a gold standing credit card with a high credit line over the years. So I filed a complaint and I got letters about 5 altogether saying we would forward complaint to their Executive Office. Most the reps that I called on these letters said the same thing, we are looking into the matter, but most would not return my calls. One such rep XXXX XXXX at phone XXXX never returned my call when I left message saying I was furious and needed an expanation why would they do such an inhumane thing to a consumer, especially during this COVID pandemic. On XX/XX/XXXX, I finally got a letter in the mail stating they decreased my creditline from {$2000.00} to {$8600.00}, due to a risk- based decision. This credit card now left me with about {$100.00} to spend on the card. 
I was furious and even tried to elicit the support of a local Wells Fargo branch manager on XX/XX/XXXX, Ms. XXXX, of whom was sympathetic, and said she would file a complaint on my behalf. But still nothing happened and I continued to get letters from Wells Fargo Executive office saying, we are sorry, but we are looking in the matter. 

I am furious at my bank how they handled this and how could they do such a heartless, greedy maneuver when I have been a hard working customer of theirs for 30 years. 
I want mu credit limit returned and think this move by Wells Fargo is disgusting and I would pull out all my business with them, but I have so many automatic debits/ payroll arrangements with them it is very inconvenient for me to do that. Please can you help with this horrible greedy sucking entity of a bank Wells Fargo?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-02 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: CA

Complaint narrative:
I applied for a XXXX  XXXX  loan today XX/XX/2020 and I was not approved because I was told that there are several accounts reflecting badly on my credit history ; I was surprised to hear this since I have always made sure to keep all of my credit cards and loans current and paid on time. I looked through a copy of the credit report they pulled and I saw several accounts that do not belong to me. The accounts are from a few different companies all of which I am not affiliated with in any way. I have never opened an account with any of the companies I listed on this report nor do I have any contract with them. I don't know who is responsible for opening these accounts in my name without my permission but I did not gain anything from these accounts such as money, goods, services or anything else. I have filed a police report regarding these unauthorized accounts as well as a complaint with the Consumer Financial Protection Bureau.

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 2020-10-02 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: CA

Complaint narrative:
I applied for a XXXX XXXX  loan today XX/XX/2020 and I was not approved because I was told that there are several accounts reflecting badly on my credit history ; I was surprised to hear this since I have always made sure to keep all of my credit cards and loans current and paid on time. I looked through a copy of the credit report they pulled and I saw several accounts that do not belong to me. The accounts are from a few different companies all of which I am not affiliated with in any way. I have never opened an account with any of the companies I listed on this report nor do I have any contract with them. I don't know who is responsible for opening these accounts in my name without my permission but I did not gain anything from these accounts such as money, goods, services or anything else. I have filed a police report regarding these unauthorized accounts as well as a complaint with the Consumer Financial Protection Bureau.

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 2020-10-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AFNI INC.
State: TX

Complaint narrative:
XX/XX/2020 XXXX afini/XXXX  XXXX XXXX THIS WAS FILED ON MY CREDIT REPORT AND I HAVE NO REASON TO DO BUSINESS WITH THEM. I TRIED REACHING OUT TO THESE GUYS AND THEY HAD NO ANSWERS FOR ME. I WANT THEM TO REMOVE FROM CREDIT REPORT XXXX, THIS IS CAUSING PROBLEMS FOR ME. MY CREDIT IS FLAGGED TO CONTACT ME BY EMAIL AND PHONE WHEN MY CREDIT IS RAN. AND HAS BEEN IN PLACE FOR OVER 5 YEARS. I UPDATE EVERY YEAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
My name is XXXX XXXX and I financed a XXXX XXXX XXXX for {$16000.00} using Exeter Finance back in XX/XX/XXXX. At the time I needed a car really bad as I had an XXXX  child and a XXXX year old who I had to transport back and forth to school and daycare. I was advised that the loan was for 72 months with a monthly payment of XXXX. I have made 70 payments in total plus interest and fees applied. I struggled making the payments as I really could not afford them but needed a car. As of today, I have paid a total of {$29000.00} towards this loan. My account shows that I still owe {$5900.00} and if it is not paid by XX/XX/XXXX they will repossess my vehicle because I have reached my maturity date. I don't understand how they can do this to a consumer especially during this pandemic. They will not work with me unless I come up with XXXX  which is ridiculous considering how much I have paid them. This is not right to me as a consumer and this is really bad business on their part. To collect this much money from me and threaten to take the vehicle. I need help and I need soon as this is the only transportation that I have to find work. Exeter Finances XXXX  rating has been revoked and Attorney General of Massachusetts filed and won a lawsuit against them for offering bad subprime loans. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank is the worst of the worst with regard to maintaining and assisting customers with their internet portal. I have consistently tried to make payments and log onto their sites repeatedly with no success. When I call I get that apologetic XXXX who says they will forward on my complaint. This Bank needs to shut down. If they can't respond to their customers in a timely fashion and always. I am taking the action of paying out these small debts and then cancelling anything to do with Synchrony bank.

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 2020-10-02 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX 2020, I applied for an extension on my car loan with XXXX website, the web site finalized my application and informed that in 24 to 72 hours someone was to call me to explain my options, nobody called me instead they sent inadvertently emails which I am sure it went to spam. in XXXX I received a statement showing a a past due requiring a immediately payment, I contact the bank expecting an explanation like it was a mistake but in fact they informed that my extension was never approved. Well understanding the risk of have my credit damaged by this bank I rushed and squeezed all of my money to pay this past due and it was paid, last month they reported a 30 late payment on my credit it doesn't reflect the truth. 
Please accepting my complain and help me removing this negative information from my credit Best regards and always respectfull XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: TX

Complaint narrative:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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