vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
On XX/XX/2019, I received a notice, dated XX/XX/2019, that the servicing of my mortgage loan was being transferred from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX to LoanCare , LLC XXXX. XXXX XXXX XXXX XXXX, VA XXXX. 

I never agreed to do business with LoanCare , LLC and have been reliably making payments on my loan through XXXX XXXX XXXX online form. 

It seems that as a result of this action, which was not initiated by me, I now need to change how I make payments on my loan. 

The notice only included information about the address and phone number of the new servicer, but no information about the website. 

On calling the new servicer, their automated system did not recognize my new loan number or SSN. I waited on hold for over 30 minutes. 

The automated system told me to go to www.myloancare.com. When I tried to register there, the system told me that my SSN was invalid. 

This may seem like a small incovenience, and I'm sure these companies do much worse things to consumers on a regular basis, but I have several children and work full time so I don't just have hours I can spend changing my loan payment information at the whim of a company I've never heard of. I used the time I was on hold to write this complaint. 

If they aren't interested in making it easy to pay my loan, maybe they should just forgive 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 2019-06-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: PRESTIGE FINANCIAL SERVICES INC
State: FL

Complaint narrative:
On XX/XX/2019 At XXXX a representative ( XXXX ) from Prestige financial services called regarding my XXXX car payment which is 9 days late. I told him that I would not have a payment until XX/XX/2019. I usually make my payments at the beginning of the month. My previous payment was made on XX/XX/2019. I told him I usually pay before the payment becomes 30 days past due. He said that it was not possible to make arrangements and that I would need to make arrangements for sometime in the month of XXXX. He said books close at the end of the month. He asked why I did not want to pay my bill. ( I want to pay my bill but I do not have the funds until XX/XX/XXXX ). He said that I owed 2 monthly payments because of past due payments. I asked him to clarify that I owe $ XXXX, and he said it was due to late fees. He continued to talk over me. When I checked on my online account, I am only 9 days late and owe {$430.00}. I told him that I would only make a payment on XX/XX/XXXX, and I could not do anything before. He said that it is a possibility that my late payment would be reported to the credit reporting agency prior to 30 days. I told him that I have not been reported before even when I was 29 days past due, and he said that it was still a possibility. I told him that I will make a payment when I am able to. I told him to have a good day and I said goodbye, then I hung up. At XXXX, 2 minutes after I hung up, I received a call from a female representative ( Virginia ) from Prestige Financial services. I let her know that I just hung up on the previous caller from their company. She said she was calling to make an arrangement on my payment. I asked for her employee number and she said she was only able to give me her extension number which was XXXX. I told her that they were harassing me because I hung up on XXXX and they called me right back. I asked to speak to a supervisor. She put me on hold for a about a minute and said that because of the time, which her office was about to close, there was not a supervisor available to transfer, and that a supervisor would call me back. I told her that I did not want a call back and that I wanted to wait for a supervisor available. I told her I would not get off the phone until a supervisor came on the line. She said that I could not speak to a supervisor and she hung up on me. I received another call on XX/XX/XXXX at XXXX pm but no voicemail was left.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: FL

Complaint narrative:
I contact the credit bureaus 4 times already. 

The credit bureaus didnt follow the Fair credit reporting law.I asked the credit bureaus for the method of verification and they didnt provide it to me.Therefor, I believe they reporting inaccurate information on my reporting because they failed to provide me with furnisher who report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: FL

Complaint narrative:
I contact the credit bureaus 4 times already. 

The credit bureaus didnt follow the Fair credit reporting law.I asked the credit bureaus for the method of verification and they didnt provide it to me.Therefor, I believe they reporting inaccurate information on my reporting because they failed to provide me with furnisher who report 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 2019-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
When I entered into a home mortgage modification with XXXX XXXX, Real Time Resolutions , Inc, I contend, illegally filed a corporate assignment of mortgage thru the court system in Florida. This assignment ( 2nd lien on my property ) falsely indicated ( I contend ) that I authorized and executed, thru Mortgage XXXX XXXX XXXX XXXX XXXX, them to file the assignment of mortgage. The alleged debt, according to the credit bureaus, was supposedly sold mid XX/XX/XXXX. Real time resolutions filed the assignment against me, beyond the state of Florida statue of limitations. They filed late XX/XX/XXXX. That is beyond the statue of limitations. I wish to suggest that real time resolutions vacate the lien and cease any more actions on their alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The investigation did not fix error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15 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: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
This account has been paid for over a month. I have not received any letter showing on credit its been paid or removed from credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Investigation did not fix identity theft error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: NRA Group, LLC
State: NC

Complaint narrative:
There have been a collection account placed with the 3 credit bureaus on an account that was included in a bankruptcy. 
The bankruptcy in question was discharged on XX/XX/XXXX. National Recovery Agency added this to my credit reports claiming it was a new account opened in XXXX of XXXX for {$210.00}. This information is totally inaccurate And I gave them the correct information via telephone and also gave them my bankruptcy lawyer contact information, whom they never contacted.

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 2019-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
XXXX university has shut down and I still have outstanding debt with them. I was told that once the school was shut down I could file to have these loans gone due to the school shutting down I would I do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Our XXXX Property Taxes have not been paid. An escrow account was set up with our mortgage in order to pay for the property taxes and homeowner insurance. Amount available on our escrow account is more than enough to pay for the property taxes. Deadline to pay the XXXX property taxes was XX/XX/XXXX, and our mortgage was transferred from a company to another on XX/XX/XXXX. The previous mortgage company failed to pay within the deadline, and the current one is not paying it either despite several emails, calls, and a notice of servicing error since early XX/XX/XXXX, when we found out that property taxes were not paid. We never received feedback to our emails, we were told twice on the phone ( early XXXX, and then early XXXX ) that the taxes would be paid by the end of the month, but this was not done in both cases. Today ( XX/XX/XXXX ), the mortgage company solution is to offer to refund us money out of the escrow so that we pay the XXXX property taxes ourselves. But, this is not acceptable to us because late payment penalties have been building up since early XXXX ( ~ {$730.00} ), and we want these late penalties to be paid by the mortgage company who failed to pay our property taxes in time. 
We have been in touch with the county Tax office to explain the issue, we were notified that after XX/XX/XXXX, the issue will be handled by Tax Office to a law firm, and additional penalties and attorney fees will be due.

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 2019-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: VA

Complaint narrative:
I created a Cash App account and was using the services, I was unexpectedly banned from the service for no reason and they would not disclose why I was banned except a vague " you broke our terms of service ''. I have tried to resolve this with the company and they refused to give me details or support. I have done nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRINITY HOPE ASSOCIATES
State: NC

Complaint narrative:
hi i checked my credit report and noticed one company had three different collections on there. i sent a vitrifaction letter XX/XX/2018 asking for proof i owe them this money. they sent a a response ( Attached ) they sent a paper with amounts they say i owe. i sent another letter XX/XX/XXXX. asking for proof i owe and i got the same response ( Attached ) i feel my rights are being violated because nether them or the credit bureau, can send anything stating i owe this money. i sign nothing with this company and yet they keep it on my report please help i really need these items off of my credit report and this company just ignores me. also they have different amounts on their response letters ( attached ) Trinity Hope even told me i need to get the information i ask for from someone eles ( Attached ) thank you!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
So I had applied for a line of credit through pay pal approximately 5 years ago or more .. had the line used paid it, recurved a few increased. Back in XXXX of XXXX I was a victim of identity theft and someone attempted to apply for an additional line in my name. Pay pal credit flagged it because the email was different from the one I had on file. I called they said they were going to investigate, and freeze the account. No one explained to me that I would not only not be able to use the line, I cant even access it online to make the payment, how Ive been doing it for years. Pay pal credit changed owners they are now owned by synchrony bank. Because of that know one knows what they will do to reinstate the account for something that wasnt my fault. I applied for a line of credit, its an opened ended loan, and I have no access to it. Its now XXXX and they still cant give me an answer but to reapply.. have my credit ran again. I dont see how this is right. Im not happy at all, and I plane on seeking legal action

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 2019-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
Health care provider did not submit bill to insurance properly. I ALWAYS pay all copays at time of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently put in a complain about this company and their response was that the account listed below was not on my credit report. I waited 30 days and its still on my report. Please have this item removed because it doesn't belong to me. 


1 ) XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/2018 BALANCE {$2700.00}

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 2019-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On or about XX/XX/2018, XXXX XXXX visited XXXX XXXX located at XXXX XXXX XXXX XXXX ; XXXX, Texas. Present with XXXX XXXX was : XXXX XXXX and XXXX XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX submitted a Finance Application to Capital One Auto Finance. 

XXXX XXXX father, XXXX XXXX XXXX also joined the application as a co-buyer. 

XXXX XXXX, after agreeing to all terms and conditions of the Finance Agreement, took possession of the XXXX  XXXX XXXX. 

As a marketing strategy of Capital One Auto Finance, XXXX XXXX began receiving robotic phone messages, as well as invoices, indicating that he was the principle person listed on the loan. 

Several attempts were made through Capital One Customer Service to correct XXXX XXXX XXXX, to correct him as being the principle borrower, and to place him, as per theFinance Agreement '' back to the co-buyer. This request was denied. 

XXXX XXXX, XXXX XXXX, and their brother-in-law, XXXX XXXX XXXX, spoke with a member of the Escalations Team in the Office of the President. 

The Representative in the Office of the Presidential Escalations Team only identified herself as XXXX. She would provide no other pertinent job-related information about herself. 

XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX were all on the conversation. Proper consent was provided to the Agent, known as XXXX, to speak with XXXX XXXX, who was more knowledgeable about the issue. 

.XXXX. XXXX advised the Representative, known as XXXX it is a violation of banking laws, the Truth in Lending Act, including other state and federal laws for a Lending Institution to modify or change an Auto Finance Agreement without the express consent of all parties involved. : XXXX advised XXXX XXXX, XXXX XXXX, and XXXX XXXX, that it was submitted to the Capital One Auto Finance Company to the contrary and that Capital One Auto Finance would not modify or change the Auto Finance Agreement. Although the Financial Agreement signed at the Dealership clearly shows to the contrary. 

The parties placed XXXX on Notice, that they would be filed in violation of the Truth In Lending Act ;, and The Texas Deceptive Practices Act would be instituted against Capital One Bank and its subsidiaries, for clear violation of state and federal banking laws. 

XXXX XXXX and XXXX XXXX both submit that, the bank has failed to comply with state and federal banking laws. 

Because of these actions and/or inactions, the proposed Plaintiffs have been subjected to their personal credit reports incorrectly reporting their true credit worthiness to other financial institutions. 

XXXX XXXX and XXXX XXXX make a formal request to correct this erroneous information, and that damages be awarded under state and federal law for these intentional acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: IN

Complaint narrative:
I put in a dispute with Equifax Credit Reporting Agency on my account that was in collections with XXXX XXXX XXXX in the amount of XXXX dollars on XX/XX/2019. Prior to that on XX/XX/2019, the equipment was returned in value of {$87.00} in collection debt upon receipt. On XX/XX/2019, I spoke to a representative from XXXX to get my current account status. He confirmed my account was XXXX and on XX/XX/2019 they would be reporting to the collection agencies as they do weekly to update the status of the account. On XX/XX/XXXX, I called again to confirm my account status after speaking to Equifax and noticing they did not change or update my account on XX/XX/2019 or delete the account even after I submitted a dispute on XX/XX/2019. I wanted to know if XXXX reported for deletion as I was told by them, on XX/XX/2019. An agent fro XXXX confirmed that my account balance was XXXX and on XX/XX/2019, they reported to all the credit agencies for deletion on my account that was in collections. After speaking to an Equifax representative, I was refused of any information regarding my dispute. I was told ; in order for them to remove the debt and update my credit report I needed to " authenticate '' my identity by sending in my ID and social security card because the information I gave them wasn't enough. I stated my correct information to access my credit report but was told they still needed for me to send in my ID and social security card and if not then they would not update the status of my account even after the collection agency requested for the account to be deleted on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
XXXX XXXX $ XXXX Email- XXXXXXXX phone- XXXX I was recently a CASH APP Customer for over two years. They deactivated my account for whatever reason. In the midst of my account being deactivated I received a returned payment from a purchase I made at XXXX XXXX XXXX Clothing store.

XXXX XXXX XXXX returned my funds back to cash app XX/XX/2019 in the amount of {$370.00}. Its been over one month and I have not gotten my funds. I wrote them and they stated it takes up ton 10 days but its been well over yen days. Ive been sending emails daily with no response about my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Took away my ability to pay online and / or autopay

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
In XXXX of XXXX my monthly mortgage payments went up {$700.00} a month, and my mortgage company Loancare A ServiceLink company told me because my taxes went up. I got my tax information from my city they said they never went up and never falsely reported that to my mortgage company. I paid two months at the higher rate, and phone in multiple times. Finally after I emailed documents into the company they adjustmented my payments back down to what they should be. The same scenario is happening again. My payments have gone up by almost {$400.00} since XXXX of XXXX. I called in, their customer service department told me the had the wrong calculations for my XXXX taxes and I need to pay the money back to my escrow. The math when they were explaining it over the phone to me did not add up, especially because my taxes have not hardly changed at all in the last three years. They transferred me twice to a line that led to no one. I emailed their customer service department today XX/XX/XXXX my XXXX tax information. I have very little confidence that they will correct the situation, and I am concerned with the way they were trying to bamboozle me with the math over the phone. I had a friend of mine in the mortgage industry look at the mortgage, and she said my loan was simply put shady. I need assistance looking into this issue, thank you so much.

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