vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I called to set up a payment plan with the company made my first payment and asked if there was a way for me to get a copy of the payment plan for my records in the event that i want to show it for proof when renting an apartment and was told that they can not give me no such thing and i believe that is not right if i am paying it off as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
The company provides a phone number XXXX. Unable to connect to a live human being to get an address updated on my statement. The statement reflects the incorrect property addresss with the mortgage. The phone number is an endless phone tree that does not allow me to connect with someone to fix this problem. This is a faulty process that does not allow customers to adequately get their loan 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 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
I refinanced with XXXX XXXX. It was immediately sold to the money source. I went in and set up my automatic payments online. It was due XX/XX/XXXX. They took the money immediately on XX/XX/XXXX. They have now since sold the loan to XXXX XXXX. They did not include my payment to XXXX XXXX and now XXXX XXXX is demanding to be paid so Im not reported for a late payment and a service fee. I paid that today. The money source says it will take 6 to 8 weeks to process my payment and get it to XXXX XXXX. So for the month of XXXX I had to come up with {$7000.00} to pay my mortgage and not be reported for being late. Why can they keep my money? They knew they were selling so why do they take my money, not apply to my loan. Why would it take XXXX weeks to process? Scam

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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 — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I filed a dispute concerning incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: LA

Complaint narrative:
The payday loan amount was debt from the checking account on XX/XX/2019 for XXXX. However XXXX XXXX sent the debts to Add Astra Recovery Services Inc for collection. I sent them my bank statement last year and again on XXXX XXXX showing that the payment was payed and no refund was given. I also spoke with bank on XXXX XXXX and they went back on my account from XX/XX/2019 until the present and no refund was showed. I contacted both companies and has been unsuccessful nobody want return calls. I refused to pay this bill again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I made a payment for a holiday through my BB & T bank account ( XXXX $ ) and due to the COVID I couldnt go. Hotel is unable to pay ... so I contacted my banker ( XXXX ) who was not willing to help much. Not living in the US I had to make a phone call to make a fraud claim and they said I would either get an email or the money would be back to my account in a few days. After 2 weeks I called again and then they say it was denied and they sent a letter to an address that I told them I dont live in the US since XXXX. Apparently they also tried to contact me over phone, which again I dont live in the US since XXXX  and they are not willing to contact via email ... so disappointed with this bank. XXXX from Fraud was not empathetic and he didnt try to help or see the way to fix it

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 2020-09-02 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: NJ

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be certified. that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2020-09-02 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: World Acceptance Corporation
State: TX

Complaint narrative:
World Finance Corp is reporting inaccurate and old information to my credit report. I am requesting under the provisions of the FCRA 15 USC section 1681i as well as section 609 that this account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I have been harassed weekly by this organization regarding this debt. It was explained to XXXX that I did not open this account. I am XXXX years old and did not realize a relative had used my Personal information. 

That relative is in the XXXX  XXXX  system for the next 10 years. This money was being taken from my social security check and was discovered when the relative was XXXX. 

I have written to XXXX including a certified letter with no response. I always pay my debts but this is not mine.

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 2020-09-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and my 30 day letter to comply was sent on XX/XX/2020.

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 2020-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
I filed a previous complaint with the CFPB and HSBC responded stating I did qualify for the bonus. I requested an account number and received no account number. I received a debit card and no pin therefore can not register online. Today XX/XX/2020 I called again and they said they I didn't qualify for the bonus because I didn't use the promo link. At this point I want the account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I received an upgrade offer for an american express card that i accepted, it was XXXX membership rewards points after XXXX spend on the card. After meeting the requirements i received the points but then i downgraded the card because they lowered my credit limit from somewhere around XXXX $ to {$1200.00} which is terrible for my current spending making the card useless for me so i thought it was better to downgrade since i cant really make big purchases on the card making it useless with the big annual fee that it had. 

Now the problem is after downgrading the card they put my rewards points in a negative XXXX balance for " abuse, misuse or gaming '' when in fact that wasn't why i downgraded the card it was because they lowered my credit limit randomly to XXXX $ a month after upgrading to the offer for no reason what so ever. 

My current income is XXXX per year and i have perfect credit and lots of other cards with higher credit limits then the one they lowered me to so this is not a reasonable credit limit for me making the card useless for me so i had to downgrade it. 

Please help with this thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting very low credit scores to business places where Ive applied. I try to get in contact with them but there is NO POSSIBLE way. I downloaded their app where they advertise a free report online. I did so about a year ago also but it consistently would NOT ever work. And then I found out this XX/XX/2020 they reported a very low credit score.

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 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Southwest Stage Funding
State: WA

Complaint narrative:
I have put my home up for sale and the new buyers lender wants a copy of the title. I only owe {$4000.00} on the house. It is a Manufactured Home. I am having a problem getting the information and have been on the phone virtually everyday for the past 2 weeks with XXXX which apparently is part of Southwest Stage Funding XXXX. They are required by law to supply me with this information within 7 days and we are now approaching 20 days. I've been dealing with a very nice lady by the name of XXXX and she has tried very hard to try and get this information for me. She has even gotten her Director involve and yet still nothing. I am about to lose this sale as well as a job transfer in another state because of this problem. It is also a violation of lender law to inhibit the sale of a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING, LLC/RESURGENT CAPITAL SERVICES has used obscene and belligerent language requesting to collect a debt ; that they have shown no evidentiary documents I have a contract with the said company. LVNV FUNDING,  LLC/RESURGENT CAPITAL SERVICES are in violation of 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: TN

Complaint narrative:
On XX/XX/XXXX of this year aka yesterday, a civil servant came to my door bearing a summons to court for XX/XX/XXXX of this year. I saw no badge or uniform on this person and called to see if the court date was legitimate. 
It is. 
My sister acting in my stead with my permission and me being in the same room as I was in a bad mental place called to speak with the attorney 's office and was told to take out a loan. I, after getting a handle on myself, recalled the office trying to set up a payment plan. This will be difficult to do but I do not want to go to court. I was refused and told to get a loan or take my chances in court. 
I have neither the credit or collateral to do so. 
Today, XX/XX/XXXX, I called in order to have the office send m a copy of the debt validation letter which I do not have a copy of. XXXX XXXX, the person I have spoken to, would not listen to what I asked for specifically instead saying they would put in an order for the company to send me a secondary validation letter. 
She was very aggressive and I feel very intimidated trying to put my thoughts together and form answers. I do not like confrontation and I suffer from XXXX. 
I am very concerned aboout all this because I don't have the complete account number on either the court summons and I don't have a validation letter warning me about legal action. The only thing I have in my possession is this court summons. I don't even know how much the original debt was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems , LLC has used obscene and belligerent language requesting to collect a debt ; that they have shown no evidentiary documents I have a contract with the said company. Jefferson Capital Systems , LLC are in violation of 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America made two insurance withdrawals from my loan escrow account in error to XXXX XXXX XXXX XXXX totaling {$16000.00}, XX/XX/XXXX {$4200.00}, and XX/XX/XXXX {$12000.00}. XXXX XXXX XXXX XXXX is not my insurance company. I switched my insurance company for the XX/XX/XXXX-XX/XX/XXXX policy year to XXXX XXXX XXXX  on XX/XX/XXXX. I notified Bank of America three times that my new insurance company for the XX/XX/XXXX-XX/XX/XXXX policy year was XXXX XXXX. I used Bank of America 's preferred method of communication on XX/XX/XXXX,  XXXX. I received an email from Bank of America acknowledging the receipt of the insurance information. I called and notified Bank of America on XX/XX/XXXX after  seeing that a payment of {$4200.00} was made in error from my escrow account to XXXX XXXX on XX/XX/XXXX and requested assistance with getting the money returned to my escrow account. I called XXXX XXXX on XX/XX/XXXX and was told that NO payment had been made to my account. I also called XXXX XXXX  to see if the payment was made to them and was told that NO payment was made. I faxed the insurance information to Bank of America again on XX/XX/XXXX and requested assistance. On XX/XX/XXXX a  XX/XX/XXXX withdrawal of {$12000.00} was made from my loan escrow account to XXXX XXXX XXXX. I called Bank of America again on XX/XX/XXXX and spent 4 hours on hold and was told that they did not know what to do. 
I have confirmed with both XXXX XXXX or XXXX XXXX insurance that NO payments have been made. 

I am refinancing my loan and am being required to pay an additional $ XXXX in Escrow Overage due to Bank of Americas {$16000.00} error. No payments have been made to any insurance company. NO ONE has received the {$16000.00} that Bank of America shows as being withdrawn from my escrow account. I need help in correcting these errors and refunding my money. 

Please assist me in correcting these errors. 
XX/XX/XXXX {$4200.00} XX/XX/XXXX {$12000.00}

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 2020-09-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and my 30 day letter to comply was sent on XX/XX/2020.

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 2020-09-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and my 30 day letter to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: OneMain Finance Corporation
State: DE

Complaint narrative:
Impacted by the XXXX XXXX. Please have OneMain Financial remove late payments from 3 credit bureaus ( My credit report. I have explained to OneMain from day one that my job closed down due to an employee at my job tested positive for XXXX XXXX. I tried to apply for Pandemic unemployment it was a night mare trying to submit my claim online due to thousands of other people applying and high trafficking.Day and night I tried to submit my claim. I had no control as to my job closing and pandemic unemployment website being down or not being able to connect due to issues at there end. My account was in good standing before XXXX  XXXX. Once my claim was approved I immediately paid my account up to date and paid more than my minimum towards my balance {$2000.00} So so wrong what OneMain has done to people at our worse time. Help me out was it really so hard to defer payments til I got back on my feet? Just disgusting and left a bad taste in my mouth to know that OneMain was they only business that did not defer not even one payment my other credit accounts I have in good standing as well had no problem deferring any payments. I will never recommend/refer anybody to this company! DO NOT BORROW FROM THIS COMPANY ONE MAIN FIN. WILL RUIN YOUR CREDIT FOR SURE I HIGHLY RECOMMEND IF YOU WANT A LOAN TO GO TO XXXX XXXX! The least OneMain can do is remove these late payments off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial response was sent on XX/XX/2020 and my 30 day to comply was sent on XX/XX/2020.

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 2020-09-02 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:
TransUnion and XXXX  have fraudulents on my accounts : XXXX XXXX XXXX   is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-09-02 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Our credit card account was closed with no advance notice per a letter from JPMorgan Chase dated XX/XX/XXXX. We were told that the account was closed because Chase needed my SSN " to comply with federal law. '' I sent my SSN and other personal information to Chase three different times and the account is still locked. The first time I sent that information was by fax, and I do have copies showing the fax was received. What's more, Chase told me it would send me more than {$2400.00} in earned rewards money but failed to do so. Now, I can not even get a person on the phone to discuss this. Chase has never acknowledged receipt of my SSN and other personal info that it requested and has never told me why our account was locked. I have sent a letter about all this to a member of Chase 's senior management team. In summary, Chase locked my account and has not told me why and also told me it was sending me earned rewards money and has not done so.

Company response to consumer: Closed with monetary relief