vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Consumer Financial Debt Services, LLC
State: MA

Complaint narrative:
Its been over a year and a half since threat calls at all hours of the night and hang ups and threats along with violations in accordance to many lawsuits held against this company for Attempts to collect a debt not owed Communication tactics Filed incorrect information on the consumers credit report False statements or representation Threatened to take negative or legal action Written notification about a debt when in deed none was sent ever and buying off old debt that was related to police reports twice and nothing but pure tactics to torture me because I simply one once before when they tried to take me court and I simply not only had it resolved but because Im on XXXX and have no means to pay they are purely torturing me now. 
Just because I made past payments on this account more than 6 years ago doesnt mean I owe the debt. Some of us are simply not wanting out perfect credit to go down the toilet until we cant keep up paying debt that is no longer ours because we are victimized twice of identity theft and have already shared this info with this company and they still allow themselves too literally add to collections without notice nor hesitation that the debt has not been backed up by any letters and they lied to the Government to keep this on collections to hurt me and many others so they think Im gon na wait for 7 years for over a XXXX credit to just drop off my credit? Im not, Im taking action and I will not stop until this is removed from my credit report the calls stop the threats and hang ups stop and o thought since the last class action settlement they changed the way they robocall? No its all a lie and they continue to threat and threat and never validated any debts only because I paid on the account in 2013 they think I have not been through enough trying to get the company to close this account and have it removed from my credit reports and then they slide in and put the account on my collections the same day it was dropped off and this is double jeopardy and illegal and they have showed me nothing by grief and now not only anger but like I said I am giving them one last chance to fix this and remove this instead of acting like children and making malicious threats especially when they dont know me or my mental status. They should rethink what they say to people and I am too say no more at this time. CONSUMER FINANCIAL PROFITS FROM VICIOUS AND ILLEGAL STANDARDS TO OPERATE THIS SO CALLED BUSINESS AND NEEDS TO STOP ONCE AND FOR ALL.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NOVA Financial Holding Company, LLC
State: AZ

Complaint narrative:
I refinanced my home with Nova in XXXX of 2021. The process was seemingly smooth throughout the transaction. We were told the loan closed and funded and it was a done deal. Within a week, title asked for an additional $ XXXX dollars due to an error with final pay off and taxes. We would get this money back in a refund eventually. Two and a half weeks go by and our old loan carrier still shows our old loan as active, and now late on a payment. This was found through my own research, nothing from Nova. Finally, on the XXXX and XXXX of XXXX, XXXX XXXX addresses the issue and gets everyone scrambling to fix it. By now, the old loan had accrued {$500.00} is interest as it was not paid off by NOVA. I was 1 day away from a 30 day late on my mortgage that NOVA was hired to handle. The same loan that was supposedly funded and closed on XX/XX/XXXX. I then had to pay an additional {$500.00} on the last day of the month so the pay off would go through. By this time I had paid over {$1200.00} that was not listed on any closing cost or final closing docs that I signed. 

I contacted the old loan carrier, XXXX, who provided me with information that the payoff wire that Nova sent was short on funds and immediately rejected. There is email documentation that XXXX sent back to Nova with the urgent matter. This matter and email were never addressed or responded to. I then contacted XXXX XXXX of Nova looking for answers and perhaps some accountability. All I got was everyone blaming everyone else and no one owning up to the mistake. I have tried to resolve this issue with Nova and XXXX since XXXX of 2021 and I am still getting brushed off as of XXXX of 2021.

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 2021-12-29 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: DE

Complaint narrative:
I am applying to the Discover it XXXX credit card through discovercard.com. After putting in my information there is the boilerplate terms and service stuff, but the actual card member agreement is nearly unreadable. As far as I can tell, they have literally photocopied a physical piece of paper and uploaded it to the website. I do not have poor vision, but the image quality of the agreement is so poor that the text is blurred, and some words are illegible. Attached is a screenshot from the offending document which clearly shows that the card member agreement is difficult to read and the text is blurred. 

Why is the font so small? It's not like they're saving paper ( I'm on a webpage ). Also, why would they not use text in the page ( like every other part of the application ) itself rather than ( what appears to be ) an image? If consumers can not read the agreement they are signing, then they can not be fully informed of the decision they are making. This is unacceptable from a company with the technical resources of Discover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/2021, I had a car repair done at XXXX XXXX and I used my Goodyear Credit Card. I am a XXXX member and I was supposed to get a 10 % credit which XXXX had been giving me for the last year I had been getting my car repaired there. I neglected to get my credit when I paid my bill and I went back and asked them to credit my account and they refused saying that they decided not to be a XXXX member any more. They are still listed on the XXXX website as a XXXX garage. 

I being a member of XXXX am supposed to get a 10 % discount at a XXXX garage. XXXX XXXX where I had the work done is located at XXXX XXXX XXXX, XXXX, Indiana XXXX is listed on the XXXX website as a XXXX garage. XXXX XXXX has an agreement with XXXX to give XXXX members a 10 % discount. 

I contacted XXXX XXXX at XXXX who deals with XXXX garages and she told me that they had not told her that they do not want to be a XXXX garage any more and they still have them listed on their website as a XXXX garage. 

I called Goodyear Credit Card and filed a complaint. They sent me a letter on XX/XX/2021 saying that they would conduct an investigation and at the end of the investigation would be sending me a resolution letter with details on their decision and that I did not have to pay any related interest charges or fees during the investigation. 

I received a letter dated XX/XX/2021 stating that they had received a request for a credit on my account ad and in order to receive the credit to contact the store manager for further processing. That is all the letter said. 

I called Goodyear about the letter dated XX/XX/2021 and they said that the manager had refused to credit my account. 

I do not feel that this was investigated properly if at all and I do not feel like I got a resolution letter stating the details of their investigation. I have a legitmate issue and they are refusing to even look at 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 2021-12-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: OH

Complaint narrative:
So I called to find out what this was about because I never heard of a XXXX and XXXX XXXX and so I don't know he told me they made several attempts to reach me but when I searched my email they only made one attempt and went straight to my credit report without allowing me to take care of it before it went to my credit report I attempted to have a conversation with the guy but he kept trying to overtake Me Too! And II don't even remember this is payday loan and that payday loans are illegal in Ohio so that may be why We stopped communicating with XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
My mortgage is with PHH/XXXX  and because of covid I have been on a forbearance plan for well over a year ( XXXX XXXX XXXX and XXXX for supplemental retirement income and could n't drive because of covid ). For at least the last XXXX months PHHXXXX has asked me for documentation concerning my hardship. During this time it has been an exercise in frustration. I have talked to several of their agents. They have requested much documentation which I can understand but there is a lack of communication amongst their employees. I don't know if they're losing some docs or what. I have been asked XXXX for a mortgage assistance application ( sent XX/XX/2021 and XX/XX/2021 ) and have been asked XXXX for bank statements the last of which I have sent XX/XX/2021. I was asked to send a hardship letter which I sent XX/XX/2021. One agent will tell me one thing and another will tell me something else. On XX/XX/2021 I talked to XXXX ID # XXXX. He admitted that PHH/XXXX could be giving me wrong information. I then asked to speak to a supervisor and spoke with Classia ID # XXXX. He told me to just wait for a deferment. Then on XX/XX/2021 PHH/XXXX called and asked for XXXX  years tax returns, and AGAIN XXXX most recent bank statements and a business profit and loss statement all of which I sent onXXXX. To add to all this PHH/XXXX  sent a letter to my home insurance agency XXXX XXXX saying that my property/house is vacant. PHHXXXX had to send a letter of retraction to XXXX XXXX stating that they made an error ( sent XX/XX/2021 ). To me all this shows incomitance and lack of communication between PHH and XXXX mortgage. I have sent everything they have asked of me and still no resolve They are now telling me that I have to start the process all over again because it's been over a month and I didn't sign some docs ( they didn't inform me of this and in the letter they sent me there was no mention of missing signatures ). This will mean that for the third time I have to send all documentation AGAIN. Hoping you all can help me in this matter. P.S. - I have also filed a complaint with the 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 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have several accounts with US Bank since 1995. I moved from the XXXX, XXXX branch to XXXX XXXX, XXXX 8 years ago. I continued to bank with US Bank with our business account however our personal accounts were moved to XXXX  XXXX XXXX. This was due to there not being a local US Bank within XXXX. I contacted the branch in XXXX, XXXX to close a personal account that has been stagnant for 8 years. I provided every verification needed to identify me as the account holder and I was told that i could not close the account because there was a XXXX XXXX as the mailing address in XXXX, XXXX.I asked what the process is to change this XXXX XXXX to my address on file with all my other accounts at US Bank and I was passed along from the branch to online business back to personal online with no solution on how to change the address without flying to XXXX and physically walking into the branch bank and requesting. The timer on my cell phone registered 9 different phone calls totaling 237 minutes. The customer service is absolutely unacceptable.

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 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Social Finance, Inc.
State: IL

Complaint narrative:
Charged late fee when XXXX paid min balance 2 days before due date. ( XXXX, paid > min payment ; XXXX due date, XX/XX/XXXX fraudulently charged {$25.00} late fee and marked as late /missed min. payment. 

Amount XX/XX/XXXX Late fee Other {$25.00} XX/XX/XXXX Payment - thank you Payment - {$230.00} XX/XX/XXXX Payment - thank you Payment - {$130.00} Agent connected You are now chatting with XXXX XXXX. 
Thanks for contacting SoFi, XXXX XXXX! My name is XXXX XXXX Please give me just a moment to pull up your information. I'll be with you shortly. 
why is there a late fee on my card when I paid more than min balance 2 days before due date Are you going to reverse the mark on my account and the charge or do I need to file a report against SoFi with CFPB Due ate the XXXX of every month - paid more than due on the XXXX We are sorry to hear about this is this regarding your SoFi Credit Card? 
yes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was pre-approved and applied for the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. There was a hard pull on XX/XX/XXXX. 

My reference number : XXXX My application was denied and they said I could check why through a link. I went to the link and the application said it was in progress for a few days. I called them and they said I was denied because they could not pull my credit report or credit score. Both TransUnion and XXXX did not show I have a credit history. 

They kept asking me if I had a credit history or if I had a credit lock or freeze and to talk to TransUnion or XXXX. I told them I have over a decade of credit history, no locks or freezes ( verified by XXXX  ) and can view my credit score on all three websites. 

I was able to pull my free credit scores from all 3 agencies from the XXXX  website. I pulled them and they first told me I could not email them. 

I called back a few days later and someone told me to submit them online. The online portal did not allow me to submit. Then I called back and they told me I could fax it to them. 

I faxed them my TransUnion and XXXX credit reports. They said they received them and once again it was denied because I was showing no credit history/FICO score. 

They said they could send it to their team to do a manual application and pull. So they did that on XX/XX/XXXX. I was once again denied because of no credit history/fico score. 

I have two hard pulls on my TransUnion credit report ( XX/XX/XXXX and XX/XX/XXXX ). TransUnion says because of the hard pulls, XXXX was able to get my credit report so there is no issue on their end. 

XXXX XXXX said they were not able to pull anything from XXXX and I have been unable to get into contact with an actual person to talk to from XXXXXXXX XXXX  customer service. I have been trying for a month. 

XXXX XXXX says it shows I have no credit history or FICO score so that the issue is with TransUnion or XXXX. 

XXXX says that they use the XXXX and no FICO score so that XXXX XXXX should not be trying to pull a FICO. This does not make sense to me because why would XXXX XXXX not know this and try to pull FICO scores from XXXX. XXXX says the issue is with XXXX, and I can't get into contact with XXXX at all. 

I do not know which company to file the complaint with because they keep pointing fingers without escalating to someone who can investigate or help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: TN

Complaint narrative:
I was pre-approved and applied for the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. There was a hard pull on XX/XX/XXXX. 

My reference number : XXXX My application was denied and they said I could check why through a link. I went to the link and the application said it was in progress for a few days. I called them and they said I was denied because they could not pull my credit report or credit score. Both XXXX and Experian did not show I have a credit history. 

They kept asking me if I had a credit history or if I had a credit lock or freeze and to talk to XXXX or Experian. I told them I have over a decade of credit history, no locks or freezes ( verified by XXXX ) and can view my credit score on all three websites.

I was able to pull my free credit scores from all 3 agencies from the XXXX website. I pulled them and they first told me I could not email them. 

I called back a few days later and someone told me to submit them online. The online portal did not allow me to submit. Then I called back and they told me I could fax it to them. 

I faxed them my XXXX and Experian credit reports. They said they received them and once again it was denied because I was showing no credit history/FICO score. 

They said they could send it to their team to do a manual application and pull. So they did that on XX/XX/XXXX. I was once again denied because of no credit history/fico score. 

I have two hard pulls on my XXXX credit report ( XX/XX/XXXX and XX/XX/XXXX ). XXXX says because of the hard pulls, XXXX was able to get my credit report so there is no issue on their end. 

XXXX XXXX said they were not able to pull anything from Experian and I have been unable to get into contact with an actual person to talk to from Experian 's customer service. I have been trying for a month. 

XXXX XXXX says it shows I have no credit history or FICO score so that the issue is with XXXX or Experian. 

XXXX says that they use the XXXX and no FICO score so that XXXX XXXX should not be trying to pull a FICO. This does not make sense to me because why would XXXX XXXX not know this and try to pull FICO scores from XXXX XXXX says the issue is with XXXX, and I can't get into contact with Experian at all. 

I do not know which company to file the complaint with because they keep pointing fingers without escalating to someone who can investigate or help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF THE WEST
State: FL

Complaint narrative:
I have been trying to pay off my Bank of the West loan. I have tried calling them and wait times are over 60 minutes long and I keep getting disconnected. I have sent a bill pay from my checking account at another institution. It has been 10 days and the pay off has still not posted. I have been leaving secured messages to XXXX XXXXia online banking. Today when I went to log on to see if I got a reply, I got the following message. 

" Our records indicate that you dont currently have any accounts eligible for Online Banking. If you believe this is an error, please call us at XXXX ( XXXX ), option XXXX ( XXXX XXXX ). '' How can that be? I have been logging in every day for the last 10 days. I want to sell the loan collateral but I can't until this is paid off and there is a lien release. 

This issue is causing my consumer harm.

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