vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XXXX I was unable to login to my bank account with simple.com I have called them on XXXX from the time their business hours open till the time their business hours are closed and no one is answering the phone lines. 

I called them again on XXXX from the open of their phone lines till the close of their phone lines and no one is answering. 

Additionally, I have called them again this morning and have waited on hold for over 2 hours. Calls are either disconnected or never answered. 

simple.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a result I am unable to access my bank account or contact my financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: CA

Complaint narrative:
Back in XX/XX/2020 I file disputes with all 3 bureaus I have yet to receive anything from any of them. I know the law says they must reply within 30 days it has been alot more then 30 days more like 90 days. Please tell me why this is taking so long?

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 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have a current mortgage with Wells Fargo. They refuse to allow me to take advantage of a lower rate and are discriminating based on there fact that I have a new job. I have many assists to assist with backing up this loan but they would not take those into consideration and will not allow me to write down my current loan. They may also be age discriminatory as well.

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 2020-11-13 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: LA

Complaint narrative:
XXXX/XXXX  XXXX XXXX {$23000.00} This is a FCRA law violation. I was never late. 

XXXX/XXXX XXXX XXXX {$1300.00} XXXX XXXX  XXXX {$96000.00} This is a FCRA law violation. I was never late. 

XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: NC

Complaint narrative:
On XX/XX/2019 a loan was processed in the amount of {$1200.00}. The APR was 437.08 % finance charge in the amount of {$3700.00}. The total amount owing was {$4900.00}. The installments were {$410.00} each month beginning on XX/XX/19.I was struggling with my payments each month because half of my finances went toward paying on my debt each month. Therefore, I contacted the lender in hopes that we could renegotiate the contract so that perhaps I may get a reasonable installment plan that I could make good on, but they would not consider adjusting my payments. They informed me that the contract could not be changed and it stands such as it is.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: PDQ Services, Inc.
State: GA

Complaint narrative:
On XX/XX/2020, PDQ SERVICES INC and on XX/XX/2020 XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX  and XXXX. 
Upon further research, this account was transferred/sold and I am no longer responsible for it. Debtor 's creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PDQ SERVICES INC and XXXX XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: MN

Complaint narrative:
I have two medical collections showing on my report from XXXX XXXX XXXX, and the original creditor for both is XXXX XXXX XXXX  As. One is for {$100.00} which shows as opened on XX/XX/XXXX. The other is for {$140.00} and shows as opened on XX/XX/XXXX. I have medical insurance, and don't owe these debts, but they're still showing on my report. This needs to be removed from my credit, as it isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They call from a different number every time. They call at all hours of the day and night. I have received 3 calls already today and it is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Received a letter today XX/XX/XXXX, from SLS, dated XX/XX/XXXX, acknowledging receipt of my XX/XX/XXXX payment but not designating how they applied it and demanding {$4500.00} by XX/XX/XXXX or they will foreclose. I do not owe them {$4500.00}. I have made all payments since XX/XX/XXXX. They will not disclose what they have done with the payments or who or how they process them. I have requested the names, addresses and phone numbers of all employees who have had contact with my file and/or processed my payments, requesting details of how they processed them and what company policies and/or procedures they followed from XX/XX/XXXX to the present. Attaching copies of their letter, my letters, and my Exhibit A & B with usps receipt numbers. I had to send the letterssPriority Express and it cost {$26.00}. What payments, specifically, do they claim I have not paid, or have not sent, and what have they done with them? Thank you for any assistance you can give me. I have an XXXX  from this.

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 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
This is an ongoing issue that Huntington refuses to address, they have now started harassing me monthly for payments they are inaccurately applying. 

I requested they contact me as I received a phone call yesterday, XX/XX/XXXX from a XXXX who was quite rude. He attempted to collect on a debt that didn't exist by falsely telling me my mortgage was past due. 

When I explained that I had indeed paid it on time, in fact, early and more than what was due, he had to go into his system and find the payments. 

He said I didn't pay and that was the problem. 
Then he located the payments and stated because I paid early, that was the problem. 
Then he changed his story and said because my payments applied to principle, that was the issue. 

None of these things are the issue. The issue is Huntington 's system deficiencies.

I have had multiple mortgage servicers and not one have had these problems. 

I asked what I needed to do to stop the harassment, and he rudely stated " We aren't harassing you, we call you to tell you about the status of your loan '' Another false statement. They called to collect on a non existent past due balance. 

I requested he locate the payments and have them applied appropriately. He did not offer. 

I then paid a FULL ADDITIONAL MONTH in advance and asked him if THAT would stop the monthly calls. 

I honestly felt like I was paying the mob to stop harassing me. 

Think about it ... during XXXX, I paid an extra month of mortgage my family 's XXXX money, to stop this. 

It affects me that much. 

It is causing an immense amount of stress. I have an autoimmune disorder exacerbated by stress. I have explained this to Huntington before, and have also asked they not harass me by phone. 
They continue to do so. 
Repeatedly. 

I reached out to their representatives and they did not reply. 

So here I am again, filing a complaint. 

I will do this every time this happens in hopes the pattern warrants a full investigation into this bank. 

I want this harassment to stop. 
I want confirmation my unnecessary EXTRA payment will stop the harassment. 
In writing. 


This has to be a rampant issue affecting all their consumers and it needs to be addressed. 

The CFPB/OCC should review how many false late payments are being applied. 
How many false detrimental credit reporting actions are being taken. 
How many harassing phone calls are being made to consumers based on false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13 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: CA

Complaint narrative:
I filled out a complain explaining that XXXX XXXX is prohibited from showing my account paid at the three credit bureaus XXXX  XXXX  and Transunion but they have not taken it off as for deletion, I've already filled a complain to the CFPB to mandate them to stop showing XXXX XXXX account on my credit report as it should not be there because the account was placed on collections for the reason that I was not contacted to be informed that the account was goin to collections so I did not had a chance to pay it before It was transferred to collections and now its affecting me in my credit report even though I paid 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 2020-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau of the South, Inc.
State: LA

Complaint narrative:
In 2019 I was seen in an urgent care for a minor issue. I paid in full at the time of service, and somehow it seems the original debtor tried to run it under insurance and it said I owed. This bill got sent to delinquent recovery associates in XXXX la at some point and thats when they began calling me. 

I went out of my way to contact the original debtor who assured me I didn't owe the bill and they faxed the information to DRA back in XXXX. I noticed the bill never dropped off my credit and received a super rude call from one of their associates in XXXX. ( Associate wouldn't let me explain that the bill shouldn't be owed so I could see what I needed to do to clear it up, kept saying " if I believed everyone I'd never collect a debt '' ) so I called the urgent care again. They AGAIN assured me they sent the info in XXXX and sent it again in XXXX while I was on the phone. They then had someone at the clinic call DRA directly to confirm that the debt wasn't owed as that is what XXXX ( a supervisor at dra ) told me he needed. I was assured after calling everyone back again that this would be taken care of, that dra has spoken to someone at the clinic, and to just wait so that it can be removed from my credit report. 

I just received ANOTHER call today from the associate who was rude to me the first time ( who I already was told would be removed from my case as I asked to not speak to her again ) who again told me the debt was owed and " i need to pay my bills '' and that there was nothing in the system that supported my claim. I called DRA directly AGAIN to talk to a supervisor at this point because I've been informed by 3 people and the original debtor that this should be handled. He basically told me that they HAVE talked to the urgent care but didn't receive a piece of paper they needed so the debt was still owed. I have NO IDEA why if you have already received word from the clinic that the debt doesn't exist it would be considered anything but harassment and an illegal attempt to collect an invalid debt to be calling me at all. Especially by someone I've asked to never call me again. He also said if I were calmer maybe his associate wouldn't have been so rude. Idk who is calm after 6 months of something they never owed to begin with being on their credit score and being harassed by people who are essentially calling them a liar for half a year ... but im pretty sure debt collectors aren't supposed to yell " pay your bills '' at people on the phone ... especially since I DO PAY MY BILLS AND I NEVER OWED THIS MONEY TO BEGIN WITH.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
We have reached out to SLS regarding our mortgage repeatedly trying to save our home. We have been intentionally lied to about paperwork sent for loan modifications. Our request to exercise our rights for an independent review on earlier modifications has never been answered and our loan has been sent to foreclosure on more than one occasion without giving us the due process afforded to all mortgage holders via the RESPA act. Through our research, it has come to our attention that Specialized Loan Servicing was found to be in violation of federal law by not adhering to the rules on RESPA. These are some of the same issues we have previously brought to your attention. Specialized Loan Servicing violated the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2601 et seq., its implementing regulation, Regulation X, 12 C.F.R. part 1024, and the Consumer Financial Protection Act of 210 ( CFPA ) by taking prohibited foreclosure actions against certain borrowers in violation of 12 C.F. R. 1024.41 ( f ) ( 2 ) and ( g ). SLS violated RESPA, Regulation X, and the CFPA by not sending prompt evaluations notices to borrowers and then starting foreclosure procedures. SLS took these actions against our loan. I have attached the documents that support our claims. ( exhibits A & B ). We have also had an independent fraud audit done on the signing of assignments associated with our loan. This independent audit revealed instances of fraud that could potentially make any claims or actions taken on our mortgage loan invalid. We have attached a copy of this affidavit to our security deed registered with the State of Georgia Deeds and records for XXXX County. ( Exhibit C ).

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 2020-11-13 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: Early Warning Services, LLC
State: MN

Complaint narrative:
Early Warning Services is reporting fraudulent and inaccurate information on my consumer report. All of the fraudulent checking account and credit inquiries listed on my Early Warning Services Consumer Report is fraudulent accounts and inquiries, and inaccurate information. The fraudulent checking accounts or credit inquiries are not mine. I should have a clear consumer report with Early Warning Services. I have never applied for or had a checking account in my name. Early Warning Services has been reporting the fraudulent checking accounts and credit inquiries for over 10 years. Early Warning Services is in complete violation of the Fair Credit Reporting Act ( FCRA ) and I am requesting for the Consumer Financial Protection Bureau to investigate Early Warning Services and shut this consumer reporting agency down. Early Warning Services has been violating the Fair Credit Reporting Act for over 10 years listing and reporting fraudulent checking accounts and credit inquiries on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Peoples Commerce Inc
State: PA

Complaint narrative:
XX/XX/2015 a account was open fraudulently the amount owed is {$2400.00} action that was taken was them adding this to my report i wish to have this blocked and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I apparently had several payments all trying to go through at the same time, and Bank of America posted the largest amount first, causing 6 other smaller charges to all bounce. This led to them collecting 6 overdraft fees. I was not notified ahead of time that this issue was pending, and I was not given the option to determine what items to approve or reject that could have saved this HIGHLY inconvenient and straining situation. I also thought banks were supposed to be regulated more stringently on how they process charges in order to reduce excessive overdraft fees that are detrimental to their customers and just line the profit margin of the bank. 

I contacted the bank about the issue and to see if there was any possibility of the overdraft fees being waived because had they just rejected the one larger charger all the other chargers would have cleared fine, and I could have rescheduled that one large charge with the payee for a later date with no incurred fees. Even if Bank of America charged for the one rejection fee of the largest amount I still would have been saved 5 hits at {$35.00} each. The bank representatives had no interest in trying to assist or take any accountability on how their procedures caused this issue to be MUCH larger than it needed to be. This seems to be deliberately setup to squeeze as much money out of their customers as possible, especially with a checking account they commonly wouldn't " make '' money on except for in fees.

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 2020-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
A few months before this issue I refinanced my loan from XXXX XXXX to Capital One. 

I sold my vehicle, the buyer gave me a cashiers check which was certified by Capital One for the amount remaining on the loan. 

The check was mailed overnight XX/XX/XXXX, and was accepted and posted as paid off on XX/XX/XXXX. 

I received power of attorney documents by Capital One on XX/XX/XXXX. The documents were filled out and mailed overnight on Friday XXXX XXXX. 

I waited a few weeks for it to come in the mail as it should have. On XXXX XXXX I called Capital One to inquire about the title. I was told there was some mix up and that they had the original title and were going to mail it to me and it would take 3-5 days to process, then it would be sent overnight via XXXX. 

After waiting until XXXX XXXX I called once again to find out what was going on. I was told that Capital One didn't have the title and was going to instead send me a lien release. 

XXXX XXXX I finally received a lien release, made an appointment with the DMV and went to have the title transferred to the buyer. DMV told me that the title they have on file does not list Capital One as the lien holder and would not accept Capital One 's letter. 

I contacted my previous lien holder ( XXXX XXXX ) to try and get a lien release directly from them. They told me that only Capital One could request the release letter because the loan was paid off by them ( When I refinanced a few months prior ). 

I again called Capital One to give them this information and was told once again that they were going to sort that out and mail me a new document. 

XXXX XXXX. Still haven't received anything from Capital One. I called again and requested to talk to someone higher up, I was transferred to a resolution specialist that told me that the paperwork hasn't been moved to the right department and that they are trying to " find '' the title. 

XXXX XXXX. I called the resolution specialist again to get an update. I was told that they " found '' the title and sent it out on this day. 

XX/XX/XXXX. After 10 weeks from the day it was paid off I still have not received anything from Capital One. I was never contacted about the issue by the company, I always had to call for information. This has put me into hardship, the amount of time i've spent from work going to the DMV and waiting hours to talk to a representative over the 20+ calls i've made to resolve the issue. The person who purchased the car has also suffered since they can not register or use it. 10 Weeks with no resolution or clear solution to the issue is absolutely unreasonable.

At this point I have been wronged by Capital One. I do not know what steps to take further to resolve this issue. I have exhausted every option on my end.

Company response to consumer: Closed with non-monetary relief