vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Requested Covid 19 Hardship company accepted but claimed check was not received but they had cashed it over a month ago. Report I was late XXXX appox.

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 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I'm writing to express my extreme displeasure with the processing of our loan over the past few months. Our loan process started back in XXXX when we were pre-qualified for a loan on the purchase of a new home. After not hearing from anyone till about 3 weeks ago, I contacted the loan processor to check on our loan and he advised me to email the loan officer to check the status and to get an update. I never heard from anyone till last Friday, XX/XX/XXXX. The processor called and said we needed to get paperwork in asap and I got on that within hours of him contacting me. Then on Monday I was advised that we had to get certain paperwork in or we could not close on XX/XX/XXXX. Penfed knew our closing day was XX/XX/XXXX and that everything needed to be in so we could close and yet I was informed on Tuesday that one paper was not filed on Monday so we could not close on XX/XX/XXXX. Isn't it a requirement to stay in contact with us in a certain amount of time? Reg Z I believe explains the expectation. I'm pretty sure that has been violated during this loan process. So we were going to close on the XXXX and move our stuff into our new home over the weekend. We even had family coming with trucks to help move and now that can not happen because of someone dropping the ball at Penfed. We now have to have our movers move more stuff, which will cost us more money and we have to rent another truck to make up for the fact that our family can not come on Sunday. If I was not clear at the beginning, I'm extremely disappointed. Penfed needs to make up for this in some way as this is entirely your companies fault that I now have to put out more money for my move and now am extremely stressed out due to no fault of my own. I feel that Penfed should pay for our extra costs we are incurring and give us a lower rate or pay our closing costs to make up for this problem.

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 2020-09-28 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
My husband received a call from a man who stated he was with Midland Credit. He did not ask who he was speaking too, just started rattling off information about an account that I, XXXX XXXX had. He never even disclosed his name. He told him last time I made a payment, and that I may have many options, and that if I don't resolve this matter, that they are going to send my account to an attorney and sue me. This call happened on XX/XX/2020. They never verified who the debt belonged too, they DID NOT read the mini miranda.

They called from an unknown number. 
There phone number is XXXX. 

I realized when I went to their website I, have an account with them, but I received no calls and or letters. I have another account I am paying monthly with them. Not sure why they would call someone else and not verify who they were speaking too. I am willing to pay my debts but I will not be threatened and I feel my privacy was violated and they did not properly identify themselves or confirm who they were speaking too and advise this was an attempt to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28 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: C B Merchant Services
State: CA

Complaint narrative:
I filed a complaint with XXXX and investigation took well over 30 days,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
What happened? : I had a pre-approval for a home loan through the GA XXXX XXXX but my realtor refused to show me houses in certain neighborhoods and the loans office would not submit my application to the GA XXXX XXXX even though I completed everything asked of me to qualify the loan officer told me by letter and email to complete actions that caused my credit score to drop below the guidelines. I sent him proof of me completing the requested actions and he then denied my loan and never submitted the application to the  GAXXXX XXXX for down payment assistance for XXXX workers and low income families. He did not offer me all available options. And sold my information cause my social security number And credit report to be leaked on the dark web. 


When did the last act of discrimination occur? : XX/XX/2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Back in 2015, we noticed a charge on our Macy  's credit card called " XXXX XXXX  '' so we called Macy 's who said that we needed to call the XXXX XXXX company directly to cancel it. We had opened an account at a register during checkout and never signed anything so we did NOT approve this! We called the XXXX XXXX number and they assured us it was cancelled. Now, we discovered just a couple of months ago that they have continued to charge us ongoing since then! We called in again and they see that we cancelled it back in XX/XX/XXXXbut have not credited our account for the charges since XX/XX/XXXX... Nor did they ever stop charging us!!! Macy 's keeps telling us to talk to XXXX XXXX  but when we call XXXX XXXX, we are just told it has to go to a review process and then nothing ever gets resolved. We have been dealing with this for months now and have gotten nowhere. We NEVER agreed to this " protection '' and are being taken advantage of. Shame on Macy 's for doing this to us! I am outraged and will not shop there again until it is resolved.

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 2020-09-28 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: Alorica Inc.
State: VA

Complaint narrative:
I took out a loan with XXXX XXXX XXXX. The company closed and I was informed that SST ( System Services Technologies , Inc ) would be taking over the account. I have this account set up on auto  draft that XXXX said to keep in place and that all things would be transferred and set up. I kept all things as agreed by XXXX. In XX/XX/2019 SST continuously tried to take money out of my personal checking without my authorization. Tried calling to get a answer and they did not know but said they did receive my allotment. They then started charging my account XXXX late fee which I never signed for a loan with them and in my old contract there is not a late fee of XXXX. This fee then made my account looking like it was pass due and they are reporting me and being 30 days late. I have made extra payments and my allotment is set up for XXXX which my payment by contract with XXXX is XXXX. I have called this company every month requesting a statement of the applied payments and that to remove late fees since its not in my contract. They tell me to look online and I have told them I want a physical statement sent my house. Last time I spoke on XX/XX/XXXX they were sending one out and I have yet to receive it like every month they tell me they are sending. This company is breaking many lending laws and practice is very shady. I want this removed of my report and my account to be corrected of late fees and a statement sent to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: IL

Complaint narrative:
ON XX/XX/2020 EXPERIAN SAID THEY VERIFIED THE PUBLIC RECORD, IN MY CREDIT REPORT IT SAID XXXX XXXX IS THE COMPANY TO CONTACT. I WROTE XXXX XXXX AND THERE RESPONSE WAS, I HAVE NO PUBLIC RECORD

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 2020-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have a credit card with capital one. I was charged an annual fee for the card of {$39.00}. This card was enrolled in autopay. The charge for the annual fee was not automatically deducted. At no point was this card taken out of the autopay program by myself. As Ive not used this card in years, the charge wasnt noticed by me until XXXX on my credit report. It showed a delinquent payment. I tried contacting Capital one asking them to provide proof of my stop in autopay, as well as where I was informed and signed off on their annual fee. Ive been hung up on by live agents and signed off my account when I tried to use their online chat portal to address these issues. Im more than happy to pay but I want the delinquencies taken off of my credit report as I never consented to taking myself off autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX BANK Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: Selene Holdings LLC
State: NM

Complaint narrative:
In XXXX, I lost my job and we were forced to do a XXXX on our home with XXXX XXXX. After we signed the paperwork, XXXX XXXX sold the mortgage to Selene Finance without taking possession of the property. 

Selene Finance immediately filed for foreclosure and we did a XXXX with them. By XX/XX/XXXX, the property had been transferred and the foreclosure dismissed. 

After that, Selene Finance falsely reported that we owned them {$33000.00} to the credit agencies. They knew this information was false when they reported it. 

This does not appear on any of our credit reports. It only appears on the credit reports that lenders receive. We have been denied credit twice because of it and are in the process of being denied a mortgage I contacted XXXX XXXX at Selene Finance, the manage who handled the XXXX who told me that the information was not correct and that we don't owe Selene Finance anything. He had me send an email to their Customer Support, which I did, to get documentation to that effect. 

I followed that up with a phone call to Selene Finance CS and they acknowledge that they got the email and that the information is false but refused to provide us any documentation showing that we don't owe Selene Finance anything. 

We are about to be denied credit for the third time because of Selene Finance. 

All because Selene Finance knowing reported false information to the credit bureaus - information that is not shown on our credit reports - but has made it so we can't get a loan for a house or anything else. 

Worse, they admit the information is false and are refusing to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: TX

Complaint narrative:
On XXXX XXXX2020 my account was closed they didnt send an email or anything they told me I could cash out by adding a new card or account to the account I have done so and they said they couldnt link the account I have been emailing them every week since. I have reached out via XXXX, and XXXX first they told me about the section they closed the account which still didnt give a reason to my account then after constantly writing them the saying Im going to sue them for keeping my money they blocked the transfer feature and now have my {$720.00} locked on that account I cant add a email or number to the account I dont want to log out because I wont be able to get back in the account. My account been closed since the beginning of XXXX its XX/XX/XXXX there isnt any recent transaction to go off. They are not responding anymore all I want is my money off that account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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 am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, XXXX U.S.C. 1681c-, And police report. 
after number of request by me. Experian, Equifax and Transunion that had not block or remove any account report been open by identity theft. and had not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair  Credit Reporting Act. The Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information maintained by credit bureaus

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 2020-09-28 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX BANK Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-28 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: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
LVNV is reporting that this account was opened XX/XX/XXXX, when in fact, it was opened around XX/XX/XXXX when we had our dogs in the Vet ER due to a botched spade. It has greatly reduced my credit score as it appears as a new account since they decided to report it XX/XX/XXXX. This information scheduled to remain until XX/XX/XXXX where it will exceed the FCRA limitation. I wish to have this information corrected with the correct date the account was opened, not the date they decided to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
Homebidge Financial Services and XXXX are my mortgage service company. I have made all my payments on time and those payments posted to my account summary and the last payment for XX/XX/2020 posted on XX/XX/2020, and 3 days later I received an email from Cenlar telling me I am in FORBEARANCE. I never asked to be in forbearance. The website has forbearance information on the Mortgage account page which does not allow you to advance to your account without clicking on the CLICK HERE section, I clicked it so that I could get to my account and make a payment and 3 days later I received a forbearance email so I called XXXX the only number available and they began to give me the runaround, telling me that they will get someone to fix it, put me on hold for hours at a time then disconnecting me. I have been calling them since XX/XX/XXXX to fix this issue and each time they say/do the same thing. They say " Please hold while I get someone to fix this issue '' then they put me on hold, they come back after about 15 min and say " Please continue holding '' then put me on hold again and this goes on for hours EVERY DAY. They have been sending me letters saying if I do not make my payment or fill out the forbearance paperwork that my house will go into foreclosure. Each time I call them I tell them I never asked for the forbearance and I want them to fix it, take it off of my mortgage and put my payments back on my mortgage. Today I was told by XXXX employee # XXXX ( probably fake name and # ) that she is going to put in the notes that I asked them to remove my mortgage payments so that my account will be delinquent, I told her that is a fraud and she said that is what she is going to do then she put me on hold and disconnected me.

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 2020-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had been trying to make my monthly payment to my secure Capital One account, the payments were returned to me. I made several payments before the due date and Capital One returned my payment because I made the payment before the due date. I was finally able to make the payment on the due date which was the XXXX of XXXX, the credit due to the payment was not applied to my account to this date has not been applied yet. I thought it was but to my surprise it was not and I did not find out about this until I had to rent a vehicle and I found out the card did not go through. I made a payment on the XXXX the credit due to the payment has NOT been applied. please assist. Capital one is doing this in a way they are over charging customers. the best way to get a hold of me is via cell at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACCESS GROUP INC.
State: CA

Complaint narrative:
Hi - I recently was notified by a collection agency that is now threatening me to pay on my private student loan that was sent to them by Access group on XX/XX/2020. The servicer, XXXX XXXX has all my information including XXXX phone number and email ), I was in a payment plan with them and when it ended the last attempt they contacted me by email was on XX/XX/XXXX. They put the loan in default without notifying me and sent it back to Access on XX/XX/2020. On XX/XX/2020, Access then sent it off to a collection agency and I received a call from them harassing me to pay the entire debt of the loan which totals approximately {$8900.00}. 
There was no attempt from Access to contact me to possibly see during XXXX, I can enter into a payment arrangement or possibly a forbearance. I have experienced hardship during Covid -19 and was able to make arrangements with my other student loans, I can not believe that they would send a student loan to a collection agency during this time. Access has all my contact information and could of reached out to me via email to make an attempt to collect or arrange a payment plan prior to sending to a collection agency. 
I think that Access group took advantage of the situation to send this debt off to a collection agency and remove it from their books.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my most recent credit report from Equifax, I notice that the company has not done their due diligence by following federal law. 

As a result, I asked that Equifax fully and completely verify the following inquiries on my Equifax credit report. 

1 ) inquiry under the name XXXX ; XXXX XXXX please validate or remove immediately.

2 ) inquiry under the name XXXX credit services. Please validate or delete Immediately for violating FCRA rules 3 ) inquiry under the name : XXXX XXXX XXXX Southeast ; please validate or delete immediately for violating FCRA rules. 

4 ) inquiry under the name : XXXX XXXX auto finance ; please delete immediately or a validate inquiry under FCRA rules. 

5 ) inquiry under the name XXXX XXXX, please validate inquiry immediately or delete from my credit report. 

6 ) inquiry under the name ; XXXX XXXX XXXX Dealer financing ; please validate inquiry or delete immediately. 

7 ) inquiry under the name ; XXXX XXXX finance, please validate or delete immediately. For violating XXXX rules.

Company response to consumer: Closed with explanation