vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
If you look into the reviews there are over 90 complaints and most of them fall into this month alone. This company fails to answer important customer concerns. They have what seems to be zero customer support and the company needs to be further looked into,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, and sent the same information to XXXX, XXXX and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that CAINE & WEINER is still reporting this fraudulent information to my XXXX and XXXX Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/2021, I made a report to CFPB about Credit Bureau Equifax not following company guideline, by failing to delete inquiries that was on my credit report after receiving proof that they deleted it. In the report their response was the item will be deleted. On XX/XX/2021, I called Equifax to ask why the inquiries wasn't deleted. their response was rude and stated there is nothing that can be done. Down below I added documents of my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hi, I bank with Bank of American for my XXXX business. For the pas month Bank of America ( BOA ) has been processing fees in the middle of the day. BOA cut of time to make deposits is XXXX my time. And accounts are processed after XXXX. Yesterday ( XX/XX/XXXX ) I opened my account and see a check I wrote had been deposited which made my account negative. At the time ( XXXX ) there was no fee, just a negative balance. I knew I had to make a transfer before XXXX to avoid a fee and/or the check being returned. At XXXX that same day ( XX/XX/XXXX ) I logged on to make the transfer and to my surprise my account had already been processed, I had a fee, and the check had been returned in the middle of the day. It was not pass the cut off time for deposits, nor was it pass the processing time. As of lately this had happened more than once. This is not right! They are not following their own rules. 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 2021-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: First Technology Federal Credit Union
State: NJ

Complaint narrative:
I was working with First Tech Credit Union and asked for a pre-qualification letter for a mortgage and was told via email it would not greatly impact my credit score ( email below ). After that conversation, a XXXX point decrease in my score was noted via XXXX XXXX and XXXX. I don't recognize the XX/XX/XXXX pull and did not authorize anything on XX/XX/XXXX. 

I would like the XX/XX/XXXX pull removed from my score per 15 U.S.C. 1681G. Please let me know if you require additional information. 

Thank you, XXXX ________________________________________ Credit Alert New Inquiry Reported By XXXX XXXX Reported On XX/XX/XXXX and Credit Alert New Inquiry Reported By XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ________________________________ Good evening XXXX, You are most welcome! 



Sorry for the late reply, I have been covering for a few other mortgage loan officers this week. 



Regarding your credit check, yes it would be a necessary part of the application process, as this is required to add up your liabilities and determine your score. 



The good news is that a credit check is good for 90 days and it will have a very minimal impact to your score. 

Any small impact incurred you usually get back the following month. 



Should you have any questions about the mortgage application process, please feel free to reach out this week! 



My direct line is 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 2021-12-31 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: Westlake Services, LLC
State: TX

Complaint narrative:
This is a company of fraudsters and thieves. I've gotten several loans with this company for vehicles from our business. The car is in my name and our company name. I pay this loan months in advance. Our monthly payment should be {$210.00}. When I pay I pay XXXX months in advance. On XX/XX/2021 my balance was {$1400.00}. I paid {$900.00} on that date. Westlake Financial sent to my credit report that my account was delinquent. They need to update this ASAP. Because that information is wrong. Not only that. I also paid off the balance of this loan which was {$440.00} on XX/XX/2021. Westlake needs to update my file ASAP and take the delinquency off my credit report. I called into Westlake several times and all they do is put me on hold and then hang up on me. This is not a way to do business. This is shark fraud business. Preying on consumers. This company needs to update my information 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 2021-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Citizens bank updated their mobile mortgage app to force a redirect to their new banking app. The original app is now completely unusable, and prior login credentials are not valid for the new app. The login credentials also do not work on their website, and their system can not find our accounts, making us unable to sign in and access our mortgage. Citizens bank has been responding by stating that the old app is still usable, which is a lie. The only way to receive support is by phone, which took approximately 4 hours on hold, and the issue was never resolved. Citizen 's is going to force people to miss payments because we currently have no way to access our accounts and pay

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am having many issues with my student loan through Navient. First thing is University XXXX XXXX never offered me a federal loan. Instead they had me take out this private loan of over {$6000.00}. Now Navient some how has a federal loan which not sure where it came from but now they are saying it isn't under cares act so my interest is accruing even though they say its federal they are saying they are not under the umbrella for this loan. Even though the federal government is the one that supposably picked this loan servicer which I didn't have any say in this, which should not be my problem. Then Navient put my private loan payment on mt federal loan even though check says private loan. Then navient mislead me and said that I have to do income driven payment even though I don't need to. The federal loan servicer ( IDR ) has me certified if it is a federal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
Good night Sir/Madam I don't know where to fight against Paypal. They steal my money that i have legally from my friend. Gamers. 

My name XXXX XXXX. I live in XXXX, XXXX. My email that link with paypal are : XXXX and XXXX On XXXX paypal hold my 2 account for 180 days, i have total XXXX XXXX I've been waiting for this XXXX to be able to withdraw my money. But when i login onXX/XX/XXXX i am shock that PayPal take my all my money in 2 account ( {$2400.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Convergent Outsourcing is guilty of collecting junk debts and is attempting to collect a debt that is no longer owed and satisfied over ten years ago. There are FALSE statements written in the letter, stating they are authorized to collect on this account. Under the FCRA the debt is no longer owed. In addition, my name is incorrect as well I and distant relatives have been receiving harassing phone calls from Convergent Outsourcing.

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 2021-12-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
By law there are statute of limitations for outdated delinquent accounts. This account has been reported since XX/XX/2014 and the statute of limitations has been exceeded therefore removal is required. In addition the lender has also been contacted directly of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a company of fraudsters and thieves. I've gotten several loans with this company for vehicles from our business. The car is in my name and our company name. I pay this loan months in advance. Our monthly payment should be {$210.00}. When I pay I pay XXXX months in advance. On XX/XX/2021 my balance was {$1400.00}. I paid {$900.00} on that date. XXXX XXXX sent to my credit report that my account was delinquent. They need to update this ASAP. Because that information is wrong. Not only that. I also paid off the balance of this loan which was {$440.00} on XX/XX/2021. XXXX needs to update my file ASAP and take the delinquency off my credit report. I called into XXXX several times and all they do is put me on hold and then hang up on me. This is not a way to do business. This is shark fraud business. Preying on consumers. This company needs to update my information 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 non-monetary relief
Consumer complaint received 2021-12-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a company of fraudsters and thieves. I've gotten several loans with this company for vehicles from our business. The car is in my name and our company name. I pay this loan months in advance. Our monthly payment should be {$210.00}. When I pay I pay XXXX months in advance. On XX/XX/2021 my balance was {$1400.00}. I paid {$900.00} on that date. XXXX XXXX sent to my credit report that my account was delinquent. They need to update this ASAP. Because that information is wrong. Not only that. I also paid off the balance of this loan which was {$440.00} on XX/XX/2021. XXXX needs to update my file ASAP and take the delinquency off my credit report. I called into XXXX several times and all they do is put me on hold and then hang up on me. This is not a way to do business. This is shark fraud business. Preying on consumers. This company needs to update my information ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a company of fraudsters and thieves. I've gotten several loans with this company for vehicles from our business. The car is in my name and our company name. I pay this loan months in advance. Our monthly payment should be {$210.00}. When I pay I pay XXXX months in advance. On XX/XX/2021 my balance was {$1400.00}. I paid {$900.00} on that date. XXXX XXXX sent to my credit report that my account was delinquent. They need to update this ASAP. Because that information is wrong. Not only that. I also paid off the balance of this loan which was {$440.00} on XX/XX/2021. XXXX needs to update my file ASAP and take the delinquency off my credit report. I called into XXXX several times and all they do is put me on hold and then hang up on me. This is not a way to do business. This is shark fraud business. Preying on consumers. This company needs to update my information 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 2021-12-31 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: CA

Complaint narrative:
Reviewing my credit report after being denied for credit I discovered FedLoan Servicing reported me 180 days late in non-repayment of my student loan. The late period was from XXXX, XXXX and XXXX of XXXX. FedLoan Servicing was contacted on or about XX/XX/XXXX. They researched my account and found that I was in forbearance during that time and no payment was required. The account was updated in XX/XX/XXXX clearing all nonpayment and balancing the account. However, all did not balance with me. Because FedLoan Servicing was not current on their paperwork processing my forbearance they reported my account 180 days delinquent. Speaking to a FedLoan Servicing representative on or about XX/XX/XXXX I was told that they could not retract the negative reporting sent to the credit bureaus but they would write a letter stating that they reported my account late prematurely and that I was in forbearance during that time. The letter produced by FedLoan Servicing did not state what was discussed. It simply stated that my account is current. FedLoan Servicing was contacted again on XX/XX/XXXX. I explained that the letter I requested giving explanation on why FedLoan Servicing was incorrect in reporting my account delinquent was in error was not received. Although the FedLoan Servicing representative I spoke to explained in detail that the account was in forbearance, it was not 180 days late, the files were updated in XX/XX/XXXX, the credit bureaus were sent a delinquent report prematurely and I was told that all discussed was true they would not state it in a letter as I was promised. I pride myself in paying my bills on time. One of the core values instilled in me through my parents at a very young age is that if you make a bill pay it back on time. It was shocking to find out I had a negative report on my credit. The reckless, inaccurate and untimely processing of paperwork by FedLoan Servicing has caused great financial difficulties for me. They have made it impossible to get a credit card, rent an apartment and limit possible employment positions of trust. Repayment of student loans can make or break your future financial opportunities I am already experiencing. When you have a negative credit report and poor repayment history it can cost you thousands more dollars in everything from interest on credit card to auto insurance. FedLoan Servicing must do due diligence when reporting adverse credit information. There is no perfect system, however when you admit you made a mistake on your paperwork and send that negative report to the credit bureaus and you find out you made a mistake dont make the borrower the victim. FedLoan Servicing should do whatever it could to correct the problem. FedLoan Servicing failed to do so in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Please forgive my delay in surbmitting this complaint. 
Recently I've had 3 back procedures withint approximately 6 week period sapping my engergy. Thank, you for understanding this delay. 

Enclosed please find the CFPB roster of complaints filed by me against XXXX. 
thru XX/XX/11 ONLY. 

The last complaints : XXXX on XXXX XXXX & XXXX XXXX were not able to be opened to see the reply or replies from SLS Also, Complaint XXXX of XXXX XXXX and XXXX XXXX also unable to view the reply from SLS When calling CFPB in this regard, I was informed that CFPB could NOT, in fact, read the reply... it was redacted/removed? That I would be receiving a written reply via US POST from SLS within, I believe, 15 days. 
Please know that I have yet to be able to OPEN either complaint to be able to read/see the SLS/HSBC reply and have NOT received anything in writing from XXXX in reply to either of the above referenced complaints. 

PLEASE instruct XXXX to REPLY TO MY COMPLAINTS ASAP. 
IT appears XXXX is not held to any timeline or rules. 
It appears that me, the borrower, is always at odds to get an answer from XXXX Further XXXX HOW DOES one defend this INTEMTIONAL FRAUDULENT FORECLOSURE? 
It appears that XXXX maximize their CORPORATE PROFITS ON the Backs of Homestead mortgages without rebuke... all done with INTENT & FRAUDULENTLY. 
" THEY contaminate the truth and the ability for JUSTICE.

I was of the belief that in America, when someone INTENTIONALLY HARMS someone that JUSTICE is available. The WRONG COULD/WOULD be righted? PLEASE help me find an avenue to JUSTICE. Thank you. 

Thank you, kindly, 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 2021-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I received an alert on my credit report from a debt collector agency saying that I owe them money. I dont owe them anything XXXX XXXX XXXX was paid. I disputed this and its still coming up on my credit report. But I dont know this company I never paid them or had any dealings.

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 2021-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I received a letter from my local tax authority that my taxes were not paid, I contact my mortgage servicer, Cross Country Mortgage, to make them aware of the issue, and it was my understanding that Taxes were to be paid from the $ XXXX I paid in total to close on the home I recently bought, come to find out it was not paid! Seems the pos the taxes for next year vs paying on the current tax. XX/XX/XXXX I called XXXX and sent their department an email to address this manner ASAP! As of today XX/XX/XXXX the last due date for the taxes to be paid even while being promised it would be paid by today, it still hasnt been paid and the customer service team at XXXX is being short and rude on a mistake they caused!!!! The tax authority could as of XX/XX/XXXX start proceedings to put a lien on the home and force a tax sale which XXXX doesnt seem to care about, as they told me they would take care of this but now theyre saying to call back next week when I was suppose to been contacted on XX/XX/XXXX according to an email received by their escalations team. Im a widower raising 5 children by myself and dont need for my kids to lose their home to their negligence, and their slow to act ways, on top of being short and rude over the phone and not giving direct answers to direct questions!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
A charge of XXXX from XXXX XXXX # XXXX Was found on my debit checking account I have not made a purchase through XXXX XXXX 
My name is XXXX XXXX XXXX My checking account number isXXXX I have been trying to contact the Fraud departments I have been placed on hold over 1 hour I have locked my debit card

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 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
I just try send simple cashiers check to my house to pay a vendor for some thing and they lock my account and all my funds in my checking account I need pay bills and groceries they cant just lock me out they say they contacting fraud department to let them know my cashier check was me and verified but still no response Im having XXXX XXXX they shouldnt be able legally lock my funds like this indefinitely during holidays

Company response to consumer: Closed with explanation