vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: KY

Complaint narrative:
Calling repeatedly every day. EVERY DAY and 2-6 times in a row!! Will not leave a voicemail with call back number or any info. I called and asked them to stop calling, and they knew my name without me telling them. I have blocked numbers, but they keep using new ones to get through. They always start with XXXX. If it is a legitimate business for debt collection, they could at least leave a message. The company is Radius Global Services.

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 2021-02-17 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: FL

Complaint narrative:
I sent a request to Experian to update information. Reporting inaccurately. I notice that account was not reporting credit limit. I never asked agency to validate account. I simply asked them to correct the way this account was reporting. According to fcra info must report with 100 % accuracy. Im showing XX/XX/16 that Experian failed to make correction. This isnt fair please help.

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 2021-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
I qualified for the public service loan forgiveness program by my Agency after 10 years of service and submitted the qualifying paperwork in XXXX 2017. Fed Loan Servicing informed me I had made zero qualifying payments and rejected my paperwork in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been an American Express card member since XXXX  - My card was cancelled recently and their explanation was review of credit report. They did not take my payment history nor usage into consideration - just my score. With the pandemic, shopping has been limited, but that did not matter. i have used my card 3 times so far, to shop online, but that did not weigh with them either. 
i am horrified that they cancelled my good standing account for with this as reason. since i have never made late payments nor had any problem with my account. Credit scores dip and soar ... they fluctuate, but Amex does not care. I am truly horrified at this treatment after all the years I was a loyal good standing customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resource Management Group
State: CA

Complaint narrative:
A company called RMG ( Resource Management Group ) called me today stating that I have an unsettled debt from XXXX. 

They informed me that the address associated with the account in XXXX. The issue is the address is a known address of mine but I have not resided in that address since XXXX. 

They seem to know my personal email as well as the last 4 of my social. They offered to settle this debt in the full amount of {$590.00} and sent me an email indicating the creditor 's name as XXXX XXXX, which I'm not aware of at all. 

I have asked for specifics of the account such as when it was opened, and they were not able to provide this information. I have also asked for the direct contact of the creditor and I was informed that they are no longer in business and XXXX has taken over the account. However, they are not XXXX and they have not stated that they were representatives of XXXX in any shape or form. 

I was a victim of identify theft around XXXX and I have expressed that fact. They made threats that include the following : 1. Wage Garnishment 2. Lien placement 3. Legal Action 4. Negative feedback on my credit. 

Their contact information is XXXXXXXX XXXX XXXX  XXXX, XXXX, NC XXXX I have tried to visit their website but it redirects me to a landing page that has not been built. I have researched their phone number it appears they already have complaints with FTC as well. 

I am deeply concerned for my credit as it has taken me quite sometime to get it to be where it is and I'd like to file this complaint to avoid any further detriment as well as the calls from coming in.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing today in regards to my account with Capital one account # XXXX which is reporting a late in XX/XX/XXXX and XX/XX/XXXX, I am unsure how this happened. I believe I made my payments to you when I received my statements. MY only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express withdrew {$2900.00} from my XXXX XXXX XXXX account erroneously, they said they did so in error and confused my account with a different account holder. Did not tell me about this until I saw a credit appear just now in my AmEx account ( they illegally withdrew it from the bank and put it on the card ) and I started asking questions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am the holder of a SEARS credit card under account # XXXX since XXXX and have a current balance of approximately {$170.00}. 

Without my consent or permission SEARS took the liberty to issue a " SHOP YOUR WAY '' Mastercard from CITIBANK and I only knew of this change a few days ago when I received the actual card in the mail.The mailing stated that " this new card replaces your Sears Card. Please destroy your Sears Card ( s ) as it is no longer valid. '' It is obvious that SEARS and CITIBANK co-conspired to dupe customers as follows : SEARS had a long list of card holders with financial information as to their credit worthiness and CITIBANK was provided that list to issue credit cards for their benefit by calling it a " replacement card '' when in actuality " SHOP YOUR WAY '' is a Mastercard that can be used anywhere, not just in SEARS stores or online shopping.

I do not want the " SHOP YOUR WAY '' Mastercard as I am already a holder of a Citibank Mastercard and have maintained this account for a number of years. I find that SEARS and CITIBANK conspired to arbitrarily issue credit cards to consumers who didn't apply and this is simply a scam.

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 2021-02-17 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am having Random drops in my credit score! I have nothing change except paying off credit cards and my score will drop in upwards of XXXX points in a day. I realize that I do have some bad marks on my credit but the three agencies, who all use FICO 8, have the exact same information on them. I pay to monitor my credit daily. The variation between XXXX XXXX and XXXX XXXX is very large. I have no issues with XXXX as my score does not dramatically change. However, I would like to log a formal complaint against the other two companies, Transunion and XXXX. I have called them around XX/XX/2020 and have asked them to explain with the changes when there are no significant changes to my credit report and they say they cant. Now it is happening again with XXXX. In addition, when I ask them to look up the history they can not. I subscribe to each of there services to monitor. I think these are unfair practices as they cant explain their algorithm and do not keep history for accountability in scores.

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 2021-02-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: OR

Complaint narrative:
About 6 weeks ago my wife and I decided to get a home loan for {$120000.00} for the purpose of upgrading our home. I retired from XXXX  after 33 years ( XXXX XXXX  ) and went to work for a XXXX XXXX XXXX XXXX ( my wife did as well ). We own our house outright, have no credit card debt ( we pay the balance of every month ) but we do have two auto loans with a balance of about {$30000.00}. I choose not to start collecting my pension because my wife and I are both working as XXXX XXXXXXXX XXXX XXXX and we're feel outrageously fortunate because during this terrible pandemic our income has actually risen. Last year ( XXXX ) our XXXX 's combined we're about {$140000.00} ( haven't filed taxes yet ). Our taxable income was around {$88000.00} for XXXX, XXXX and XXXX. 

We were denied this loan request by Better Mortgage and the reason they stated was " income fluctuations ''. They also alluded to our credit report. They wrote that our credit rating ranged from " XXXX '', which is completely false. Our credit rating is impressive and always above XXXX. 

So, our total monthly bills XXXX everything : food, electricity, water, insurance etc ... ) Is about {$3000.00}. We make over {$10000.00} per month and have about {>= $1,000,000} in retirement money-and they denied us! 

I tried ( and tried ) to talk to them. I have them everything they asked for ( tax returns, pay stubs, bank statements, investment records XXXX and in the phone I was told that our income wasn't verified. When asked for a written explanation here 's what I was sent : " As noted, we would in fact need the XXXX XXXX tax returns filed to validate that XXXX full year profit and loss statement as it is substantially higher than XXXX and XXXX XXXX income. We use the XXXX XXXX XXXX to see the income trending and wouldn't be able to use it to qualify as it is not verified and in line with XXXX tax returns as they haven't been filed yet. '' If I don't qualify for a loan, then who can? 

ThIs just doesn't seem right! 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX # XXXX and XXXX # XXXX Both of these loans were paid off in full on XX/XX/XXXX when they were refinanced into another loan with a more reputable lender. To this date XXXX XX/XX/XXXX ) I still have not received the over {$6000.00} they claim that they are mailing me. That would be 32 days I believe, not that I even believe their number as they illegally held 2 payments of mine in late 2020 claiming I had authorized some sort of forbearance or other plan I had never authorized in the first place. They are both dragging their feet on money owed to me and mis-stating the amount that is owed.

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 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I opened a business checking account at a Wells Fargo branch in XXXX, XXXX Today, XXXX XXXX, I received an email ( which I will upload ) letting me know that my " requested '' overdraft protection had been added to the account and that funds for the overdraft protection would come from a new credit card with number XXXX. 

Trouble is, I NEVER REQUESTED OR APPLIED FOR EITHER OVERDRAFT PROTECTION OR A CREDIT CARD. The paperwork for the opening of the checking account refers to neither, and I discussed neither with the representative I dealt with at the bank branch. 

Astoundingly, this sounds like exactly what Wells Fargo got in trouble for last year or the year before. It doesn't leave me with much confidence in the bank. 

I phoned the customer advocacy office at Wells Fargo to ask how this happened. They had no answers but did confirm that the credit card account had been opened. ( Of course, I have not seen a credit card and do not wish to see one. ). They said they would open a case on the matter and get back to me at some point.

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 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Run Solutions, LLC
State: OK

Complaint narrative:
Mountain Run Solutions , LLC is a predatory collection agency. They were somehow able to purchase a debt that I had already resolved with the original creditor and initiated unfounded collections against me. 

I asked XXXX XXXX a collector with Mountain Run Solutions to get a transcript of my customer service interaction with the original creditor, XXXX, and he refused to provide me with said information. If Mountain Run Solutions , LLC could access the transcript from XXXX that occurred some five years ago they would see that XXXX took no further action on collecting on what XXXX initially claimed was a balance due but then ultimately took no further action to collect. 

I do not have time to deal with being harassed by this unscrupulous collector. Please review my complaint and advise. Please note that I am not alleging criminal activity of any kind but rather a potential abuse of standard collection activities.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I just simply have been a XXXX XXXX moving around traveling and living at different apartments, and i have like 5 different addresses reporting for myself, the three bureaus have different variations in my name, some have my middle name, some just first and last, and the bureaus have a few different places that i worked on my report still that i no longer work at. 

Id like to get rid of all the variation, have one name, one address, and only include the place of work where i currently am employed.

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 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called Capital One regarding my Venture Card to understand the rewards program.

I earn 2 points for every dollar spent using the card, straight forward, easy to understand, no issues. 

Where I have the problem is I could not find any information on the point redemption values. I logged into my account on capitalone.com but there is no information listed for the value of my points for cash back, purchases, etc. 

I spoke with several agents on XX/XX/XXXX and they informed me that I need to call in to learn of the redemption point values. I believe this information should be prominently shown on their website ( or terms and conditions in the card agreement ) so all consumers know the value of the reward program. The agent informed me of the following cash redemption values : Cash credit : 100 miles = XXXX cents XXXX purchases : 100 miles = XXXX cents Travel purchases : 100 miles = {$1.00} Previously in XXXX, I used to get cash credit of 100 miles = {$1.00}. I was never informed that my redemption point value changed from {$1.00} to XXXX cents. Capital One changed my reward without notice, and continued to charge an annual fee of {$39.00}. 

Capital one should not hide these point redemption values where customers may be unaware of the value of rewards program. Instead, Capital One should be completely transparent of the point redemption values on their website, T & Cs on card agreement, and all marketing materials.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have sent several disputes to each on of the credit bureaus : XXXX, Experian & XXXX  and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes. There are multiple erroneous spellings of my names and socials listed on my credit file that i need 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 2021-02-17 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: AE

Complaint narrative:
On XX/XX/XXXX I opened an account with Chase. After the account was opened, I never received any type of correspondence from the company past notification of card approval. I received a notice from XXXX XXXX that the account was 30 days past due on XX/XX/XXXX. Immediately I called the company, paid the bill in full and clarified with them some details about the account. I told them that I did not receive my card, I was not able to establish an online account and no statements or notifications have been received from Chase in regard to this account. The representative at Chase, ( XXXX from XXXX, Missouri ) notified me that electronic billing was selected at the time the account was opened, however, no bills or statements were sent to me. I asked the representative at to verify where the statements were sent and he could not do that, he could only verify my mailing address and was not able to see what email address they had been sending correspondence to. He stated multiple times that they were not able to verify if account statements had been delivered, and he could not verify what email address they had been sent to. XXXX helped me gain online access on XX/XX/XXXX. I have not received the card in the mail, so I was not able to do that myself. I asked XXXX why I had not received any correspondence from Chase and he stated on the phone that I wouldn't have received notifications from the company as I had just signed up for electronic notifications at the time he opened my online account. After I logged into my account I saw that the information they have on file is not correct and was not the same address that I had given XXXX previously. We have not lived at the address they have on file in over two years, and the mailing address is not XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX either. My husband is XXXX XXXX military, and we are stationed in XXXX, XXXX right now. I pay our bills on the XXXX  and XXXX of every month, and had I had notification or account access this bill would not have been delinquent at all. I have worked very hard to bring our credit scores up and establish a good credit history. I have tried to resolve this issue with Chase as I would surely not let a payment like this fall through the cracks had I been receiving proper account statements from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have mortgage loan with Specialized loan Service ( SLS ) and this company always report wrong info to the credit agency and lately I lost 15 point because I am not making my payment. I make my payment on time and my payment is current. also they increase the payment any time they like, my mortgage is set for fixed rate. I am getting tired and sick of what they doing, is no one to enforce these type of companies I need help please. If you have any questions please feel free to call me at XXXX Thank you 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 2021-02-17 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: OR

Complaint narrative:
This is my 3rd complaint. Equifax is reporting accounts to my consumer report without my authorization. They are in violation of many federal laws. This account was deleted from my report and then put back on with out any notification thats another violation. I am highly upset that I am being taking advantage like this.

Company response to consumer: Closed with explanation