vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have a massive issue with my servicers. 
I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/2020. 
I noticed on the news that Donald Trump said he will suspend all evictions and all foreclosures. 
I hope XXXX XXXX XXXX will abide to the federal orders. 
I recently had my loan transferred over from XXXX XXXX XXXX who Ive been working with to achieve a loan modification. On or around XX/XX/2020 I received a letter in the mail stating that my loan has been transferred to a new servicer SHELLPOINT MORTGAGE SERVICING. Ive been working and trying so hard for so many years now to receive a loan modification from XXXX XXXX XXXX and before that XXXX XXXX XXXX And not once have they worked with me and cared or tried to help. 
To this day I have not received a welcome letter from the new servicer Shellpoint Mortgage Servicing. XXXX XXXX XXXX still placed my home on a foreclosure sale especially while the transfer happened. This is not good because it does not give me any time to work with the new servicer to work out options let alone given any time what so ever to have a chance to be reviewed for a loan modification. 
XXXX XXXX XXXX and Shellpoint Mortgage Servicing strategically transferred my loan so that the time frame would just sell my home. 
If XXXX XXXX XXXX and Shellpoint Mortgage Servicing continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure. Also the federal order that Donald Trump stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
To whom it may concern, I have tons of old debts, collections, and charge-offs on my credit file. Some are very old that should have fallen off by now, and some that may show inaccurate amounts. I was turned down for being pre-approved for a va home loan. However, these old debts were calculated and mostly the ones I paid in full. 


1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX ( inaccurate dates ) account was opened XX/XX/XXXX in XXXX XXXX Utah located at the XXXX inside of XXXX XXXX 's building when I was in training to become a XXXX XXXX. Date is showing I opened this acct XX/XX/XXXX. This information is false. 
5. XXXX XXXX XXXX XXXX 6. XXXX is still on my credit file after 8 years and payment in full. 
7. Ford Motor Credit was supposed to settle this debt after the SCRA case was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To whom it may concern, I have tons of old debts, collections, and charge-offs on my credit file. Some are very old that should have fallen off by now, and some that may show inaccurate amounts. I was turned down for being pre-approved for a va home loan. However, these old debts were calculated and mostly the ones I paid in full. 


1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX ( inaccurate dates ) account was opened XX/XX/XXXX in XXXX XXXX Utah located at the XXXX inside of XXXX XXXX 's building when I was in training to become a XXXX XXXX. Date is showing I opened this acct XX/XX/XXXX. This information is false. 
5. XXXX XXXX XXXX XXXX 6. Sears is still on my credit file after 8 years and payment in full. 
7. XXXX XXXX XXXX was supposed to settle this debt after the SCRA case was closed.

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 2020-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/2019 statement. USAA BEGAN FRAUD INVESTIGATIONS WITH TEMPORARY CREDITS XX/XX/XXXX, FOR {$52.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND NEVER NOTIFIED ME WHEN THE INVESTIGATIONS COMPLETED. INVESTIGATIONS ARE REQUIRED TO BE COMPLETED WITHIN 60 DAYS. RIGHT? SO XX/XX/2019 THESE TEMPORARY CREDITS WOULD BE MADE PERMANET.?? HUH? PLEASE EXPLAIN USAA POLICY ON TEMPORARY CREDITS MADE PERMANET. I DO NOT UNDERSTAND ** HOW CAN THESE CREDITS EVER APPLY TO THE BALANCE OF XX/XX/2019 WHEN THEY ARE NOT MADE PERMANET UNTIL 60 DAYS LATER.???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XXXX I was home sick and I noticed that my employer did not pay me and I couldn't pay my car payment on time, so I called Capital One and explained my situation and I asked for a deferred payment and it was approved I signed and emailed the documents back and now Capital One has been over adding additional fees that I do not owe them as I have always been paying my car payments to them every month and only had one deferment ; they are also reporting false information to credit reporting agencies when my account with them should be marked current. I have submitted to them several times proof of the signed deferment which they already had record of in their system and they are still fraudulantently charging fees to my loan. Also, please note that I have been continuing to make all my car payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am submitting this complaint to request the cfpbs agency help. Maybe through this chanel, I can be listened. 

American Express is committing multiple violations to the Fair Credit Reporting Act and to the California Credit Reporting Act. I want to mention some of them : 1. Reporting incomplete information.

2. Failing to investigate account.

3. Negligence Breach of contract Please forward American Express the attached documents. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: HI

Complaint narrative:
I have requested validation from TransUnion on an item they have listed on my credit report as a collections account from a company by the name of : XXXX XXXX XXXX w/ an account # beginning in XXXX. Each time I write to TransUnion disputing this item and requesting validation they write back stating they already verified the item. So first thing is, I didnt request verification I requested validation. Second of all Ive also requested they send me the information they have in their files that validates this alleged debt, and each time they ignore that request and refuse to send me this information on MY credit file. 
On their most resent response dated XX/XX/2020, to yet another dispute and request for validation for this same item that I sent to them, they replied we previously completed an investigation of the below item and { verified } the information on your credit file. 
Now, neither XXXX or XXXX were able to validate this alleged tradeline and have since removed it from my credit file, nor has the company themselves been able to validate this debt as belonging to me and isnt paying to report it against me any longer. So I truly do not understand how TransUnion claims they are able to do something thats not even possible to do, and validate an alleged debt that doesnt belong to me! I would like TransUnion to immediately remove this from my credit file with them, or supply me with the information they state they have on file that VALIDATES this alleged debt as undoubtedly belonging to me.

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 2020-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched FRAUD CLAIM. DATE XX/XX/XXXX INVESTIGATION COMPLETION LETTER XX/XX/XXXX {$470.00} TEMPORARY CREDITS MADE PERMANET. see attatched. XX/XX/XXXX statement BALANCE {$470.00}. WHY DIDN'T THE BALANCE CHANGE?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
In early XXXX I closed on my first home. In weeks leading up to my close date, I started buying things for my house including appliances. To save money I found a refrigerator on XXXX XXXX. I reached out to the seller and got a timely response. They asked if I could pay via XXXX XXXX which I thought I could, but when they sent the request through I realized I didn't have it sent up so I asked if we could complete the transaction over the Cash App. I gave them my username, they sent the request, and I completed. The subject line and description of the XXXX listing said delivery was available and I confirmed with the seller that I didn't need it to be delivered for a couple of weeks and they agreed. I reached out and over the several days before my close date and move I got a whole bunch of runaround. Eventually, the day after I moved into my home, the seller stopped responding to my texts all together. I disputed the transaction with Cash App and tried requesting a refund from the seller that they of course ignored. Cash App basically said there was nothing they could do since the transaction was authorized and already came out of my account. I also disputed the charge with XXXX XXXX   which is the account the money came out of via Cash App for this fridge. They credited the money back to me while they investigated and now over a month later reversed it and took the money back. I got no fridge and I'm now out {$220.00} and both of these institutions are abdicating their responsibility to consumers. In the attachments I provided the email from Cash App, the two letters from XXXX, the XXXX messages with the seller, and the texts with the seller. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Applied for a capital one card on XX/XX/XXXX and was told to wait for a decision. XX/XX/XXXX I received a email informing me i was denied. Then Saturday XX/XX/XXXX I received the reason why. Which was they could not verify me. Which is bogus, Capital one has put Not 1 but 3 hard inquiries on my Reports in total and it is not fair. If there was a problem regarding the application, i was not contacted at all. So instead Capital one decides to deny me. Which is ridiculous because my credit is fine. I got denied but approved for a XXXX XXXX card? It doesnt make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I called Navient today to inquire about the Federal government extending a forbearance and 0 % to people with student loans. After sitting in the phone tree for 10 minutes, I was given an option for them to call me back. I was never called back. NOT HAPPY! 

I've already paid over 3 times the amount I borrowed and still owe over {$10000.00} and this new law would help my family very much. To have Navient not even call me back is not acceptable, especially considering how much they have made on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have a mortgage account with US Bank. I have had this account for over 5 years. I have never missed a payment on this account. I have paid my mortgage on the XXXX  friday of every month for the last 65 months. Being that interest are at a all time low i decided to refinance my mortgage. While in the process of refinancing my mortgage US Bank now say that i owe them {$2100.00} in late fee 's. Of all my financial commitments over the years i have never heard of such and outrageous amount of any fees on any account. As i remember when i did the loan i remember on the application US Bank asking of my race. I really think that by me indicating that i am XXXX or XXXX XXXX that US Bank is trying to put me into a financial hardship or trying to drive me away due to my race. With todays Pandemic going on around the world and many people now experiencing financial hardships i think it should be know to the world what US Bank is doing to people. Also i would like to recommend to all others that when US Bank ask of someones race its best to not answer. If this was a legitimate amount owed what respectable financial institution would allow 65 late payments in a row unless they were trying to establish a financial hardship upon someone.

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 2020-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV FINXACT CORE
State: IL

Complaint narrative:
I have a contract with XXXX First Data. Due to what is going on with the entire world right now ( XX/XX/2020 ) I am having to close my business down. The customer service representative was not empathetic or understanding at all. As of now I am making XXXX and going under very quickly with everyone staying in and terminating their appointments. He told me i could suspebd and push back payments for 2 months only. I advised this representative that i am haveing to close fown the business because XXXX revenue being closed in that having payments build up for 2 months and in the end owing for 3 months will not help me. He then proceded to tell me I would be turned over to a collection agency. He said that statement to me over and over again. He never once tried to send me to someone higher up. 
Due to everything going on right now, I have ended several other contracts early and the companies were very inderstanding and wiped all that was left away. I am not closing down because I am a bad business owner, but because people are affraid of going out in the world and getting sick. 
I will never recommend this company for being non understanding of the horrible situation the economy is in. I have reached out to people with the clmoany and have received nothing back.

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 2020-03-21 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: TN

Complaint narrative:
I am writing this due to non-compliance with the Equifax They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
On XX/XX/XXXX, I visited the XXXX XXXX dealership on in XXXX LA. XXXX was the salesperson assisting me with a XXXX XXXX XXXX. He gave me a price of XXXX being the sale price after discount but before taxes, my down payment, and trade-in, He presented me with a buyers order that ended with an amount around {$200000.00}, which included all taxes, fees, licenses, my {$500.00} down payment, {$2500.00} trade-in allowance. I was asked to sign that paper, then I was presented with another paper that offered payment options, of monthly note, and length of the terms swell as downpayment amount, which was different from the first one of the same kind he presented to me originally. I was attending my grandson party but had to make a run to XXXX, which is a bock after the dealership, which is how I spotted the XXXX. That being said, I told that to XXXX, and XXXX, the USED Car Manager,  XXXX suggest my daughter take the car to XXXX. Immediately after our visit to XXXX, we went back to the dealership to return the vehicle as we had to go back to the party. However, XXXX suggested we take it to the party they will be working on getting the vehicle financed. We returned two times that night, but they were not able to find a company to finance the XXXX XXXX XXXX at that, but I was asked to sign some paperwork they needed so they could find a company to finance me. I was told that either, I will have to bring the car back, or the payment will be due on XX/XX/XXXX, because most payments aren't due for a while, but let get you financed first. The finance man did not give me any papers as I didn't have an approval at that time, I was told. Therefore, XXXX put a 5-day tag on the XXXX XXXX, on XX/XX/XXXX, and he repeated to do so 3 more times, for 3 weeks, as a result of not finding a  financial copy to finance the deal. I never received any paperwork from the dealership, but last week, I received a welcome letter from Exeter Financial LLC., stating a payment of XXXX is due XX/XX/XXXX. My daughter, XXXX XXXX, went to the dealership asking for more information, they gave her a contract with the information I never received or known about. The XXXX  was on its 3rd 5-day tag because XXXX kept stating they did not have a completed deal and could not provide a 60-day temp tag for the XXXX XXXX XXXX until there was a deal in place. Two days later after the 3rd 5-day tag expires, XXXX put a 60-day temp tag on back the window of XXXX. I called the finance company asking how they entered into this agreement without my permission, They never reached me to verify if I infect agreed to the terms and conditions of the erroneous contract. I have not been given the due process to either accept or deny the terms made between the dealer ( XXXX and or XXXX  XXXX ) and Exeter Finance LLC.  I'm requesting the due process to and requesting all fraudulent contracts be ceased and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'M CURRENTLY APPLYING FOR A LOAN MODIFICATION WITH BOA AND I'VE BEEN INVOLVED IN THIS PROCESS FOR 8 MONTHS. NOT ONCE DID THE 30 ( THIRTY ) CUSTOMER SERVICE REPRESENTATIVES FROM THE XXXX LOAN MODIFICATION BRANCH NOTIFIED ME THAT A CREDIT REPORT WAS NEEDED FOR A DECISION. I RECEIVED THIS NOTICE THAT THEY OBTAINED MY CREDIT REPORT FROM SOME CONSUMER DATABASE? IT'S XXXX PER THEIR ILLEGAL RECORD PULL. THE REPORT FROM BOA NEVER CITED THE SOURCE. I RE-PULLED MY XXXX  AND IT'S XXXX. I WOULD LIKE BOA FINED FOR TRYING TO MAKE PEOPLE FAIL THE LOAN MODIFICATION PROCESS AND ILLEGALLY PULLING MY REPORT WITHOUT OBTAINING MY SIGNATURE. PLEASE HAVE BOA FOLLOW UP WITH YOU TO GIVE THEIR REASONING, THEY TEND TO CALL ME AFTER I FILE THESE COMPLAINTS.

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 2020-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital one bank usa suing for account that is beyond the statute of limitations in oklahoma. 
Account opened XX/XX/XXXX Last payment made was XX/XX/XXXX. 
Suing for the amount of {$3600.00} Recieved very little communication via mail, email or phone. 
Date summons was issued XXXX Recieved summons XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CURO Intermediate Holdings
State: OR

Complaint narrative:
Speedy cash/rapid cash took two payments out of my bank account without notice on XX/XX/20 worth XXXX after no attempts to collect in past year. It appears Speedy cash/rapid cash are deliberitly collecting on debts during this national emergency. This is unbelievable. I'm out of a job and trying to survive. How can an American company do this?

Company response to consumer: Closed with explanation