vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX today I contacted US Bank regarding account ending in XXXX, that is still showing up on my credit report. I spoke to someone in card services, who then transferred me to the recovery department who then transferred me to collections, then to fraud, then back to card services, then back to recovery, then fraud, then collections after speaking to 11 different people, a crossed 4 different departments, nobody was able to help me resolve this. I had previously asked for an itemized statement because I believe someone used my account. After speaking to someone in collections, they let me know that the balance was {$120.00} dating back to XXXX. I asked what I needed to do to get this off my credit report. They said they could not take any form of payment due to it being flagged by fraud and theyd transfer me back to the fraud department. I spoke to the fraud department and they said they couldnt take payments and would transfer me back to the recovery department I was then disconnected. 
Then on XX/XX/XXXX I received a phone call from US Bank requesting payment. I told them I would settle for {$120.00} if they agreed to a pay and delete and they agreed so I sent a letter with my check for them. 
On XX/XX/XXXX they cashed my check but it still remains on my credit report.

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 2021-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
since 2019 of XXXX when i have been struggling to pay on my mortgage XXXX has at every step of the way done things that have been intentionally misleading and deceptive : 1 : list a post office box, fax number, and email were correspondence is presumed to be received in a reasonable amount of time but makes zero mention of a lag so if there is a due date of the XXXX and the documents are received on the XXXX depending on where the day falls it could be technically be thought of as late cause it takes so long for them to go through all the submittals from their customers. There is no instances where this is stated in the contract cause 2 : When asked about the act 91 notices that are specifically tailored for Pennsylvania Nationstar only provides vague documents that satisfy company requirements and some attorney think tanks legal ambitious loophole so the actual agencies that need these documents will reject the consumer morgatee cause the document needs to be specifically nuanced in a way that it shows the need for this subsidy 3. When applying for a modification Nationstar changes the criteria even after the method and requirement is already established 4. they offer disingenuous rhetoric guised as customer service and provided phone numbers to nowhere so can vent on the voicemail only to have nobody of importance to call you back 5. since inception i would send correspondence to this company only to have it rejected because they claim they are inundated with so much traffic it takes 3-5 business days for them to disseminate the information only to tell you it wasn't received even though it was electronically timed stamped days prior before the agreed due date and there is nothing with language within its modification or the contract that states that correspondences are subject to clerical or work force lags .. ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Back in XXXX of 2020 I reached out to Simple/BBVA to dispute a total of {$15000.00} from XXXX. I have tried and exhausted every Avenue to recover these funds and have had no success. Simple was not helpful and would not properly file my dispute. They were impossible to reach via phone or via in app support and eventually told me that these funds would not be returned. The disputes, again, were never properly filed, the bank eventually closed their doors and is now owned by BBVA. I am attempting for the current account holder to salvage the failure of simple and return the funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc.
State: CO

Complaint narrative:
On XX/XX/2020, a representative of SoFi gave deceptive information that led to me accepting a personal loan for {$30000.00}. The information given was that if automatic payments were established, there would be a recurring automatic rate reduction of .25 % that would lower the rate to the lowest available rate of around 5.9 % over time. For example, if the loan were 12 % then after one year of automatic payments the rate would reflect 9 %. After approximately 2 years, the rate would be about 6 %. I was told that the rate would drop with auto pay, the representative explained how SoFi was the only company that he knew of with this type of rate reduction program and that the original rate would show on the contract, however the rate would decrease with automatic payments, and that I could locate this unique program information on the company website. I trusted this person only to find out after speaking with a manager XXXX, that the information was false and that nothing could be done other than an apology, a " coaching '' to the representative who's name I believe is XXXX, and a small gift card as an " olive branch '' for the misrepresentation. A reckless and false representation was made that I relied on, and now I am suffering the financial consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Yesterday I received a letter from comenity capital bank for XXXX XXXX stating that someone one had applied for a credit card under my name and It was denied. I never applied for a credit card with that company. I have not even been to a XXXX for a over a year. They also sent another letter under a strange name to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Foreclosure was communicated XXXX of XXXX due to loss of income from Covid. Modification was accepted by Shellpoint Mortgage Servicing in XXXX of XXXX. Payments of {$1400.00}, {$670.00}, and {$2100.00} in XXXX and XXXX had been sent, but rejected and sent back. I was then told that payments would not be accepted due to foreclosure, but I would be accepted for forbearance. Shortly after, I received calls saying that I do not qualify for forbearance and they need the total amount reinstated. I contacted a HUD housing councilor through XXXX XXXX on XX/XX/XXXX. The Councilor called and was able to set up a payment plan that would repay the owed amount within 12 months. I was told that I would just need to wait on the paperwork. I then received a phone call saying that I was not eligible for the payment plan due to the type of loan it is. I called back with the HUD housing councilor on XX/XX/XXXX. I was told that the only option is full reinstatement even though there is a foreclosure moratorium through XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: TX

Complaint narrative:
In XX/XX/2018 the vehicle in question was totaled. The other drivers insurance took the blame because the vehicle was rear ended. The loan was given with GAP, and the other drivers insurance paid XXXX towards the loan with GAP supposed to pay the rest. GAP didn't pay the rest because the loan company ( XXXX XXXX XXXX ) reported the wrong amount that was due for some reason. They subtracted two months of payments instead of going on the amount from the date of the accident. So GAP didn't pay the whole amount, and they put it towards us to pay ( which we shouldnt have had to because we paid for the GAP insurance ). They kept the account open for 2 years allowing the payments to accrue interest before charging it off instead of trying to make more money by making us pay instead of letting GAP take care of the payments.

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 2021-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Freedom Mortgage has informed me they do not have our mortgage note. I am now concerned about the status of my VA loan and payment of state and county taxes. Freedom Mortgage representatives will not return my calls or emails. 

Due to refinancing, Freedom Mortgage bought the mortgage notes servicing rights a few months back from XXXX XXXX. After the transition, Freedom Mortgage Company contacted me wanting me to refinance my VA mortgage to a lower interest rate. During the process of refinancing Freedom Mortgage contacted me saying they do not have my mortgage note and can not move forward. The company emails me through some document program statingwe need your signed Net Tangible Benefit and/or modification agreement. 

I have tried emailing and phoning the company representatives in resolving this issue with no response. I have been paying our mortgage monthly but am now very concerned if Freedom is distributing my mortgage payments to the correct loan service, state and local taxes. I dont know what it means when your mortgage company lost my note! 


Freedom Mortgage Corporation XXXX. XXXX XXXX XXXX, IN XXXX XXXX I would appreciate any help in resolving this issue. 

Thank you, 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 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
As a consumer I can get a free credit report, with reviewing my credit report I have notuce that CCS Collection have been violating my rights as a consumer, they are harassing me, defaming my character, jeopardizing my family, hurting my future, according to 15 USC 1692 they have to pay {$1000.00} per violations. The list of violations are 15 usc 1692 b2, 15 USC 1692 b ( 4 ), 15 USC 1692 c1 ), 15 USC 1692 c, 15 USC 1692 d, 15 usc 1692 f. I have attached an copy of my FTC, License, and SSC.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am a XXXX XXXX I have my accounts with capital one I live in XXXX Ohio my XXXX is a all XXXX XXXX and because capital one doesnt have any branches in XXXX I cant deposit my cash from my business into my personal account I dont have a business account because I dont have it registered with the state I came up on hard times because I work from my home and wasnt able to work as much due to me having a small child I filed for a XXXX loan and got approved and the funds was deposited on XX/XX/XXXX on XX/XX/XXXX around XXXX I found that my account was frozen I called capital one I was on hold for 2 hours to speak to someone that was very rude asking my questions about my business as if he was a investigator it made me feel very uncomfortable and I felt like I was being treated like a criminal then I was told my account will remain restricted until my account is reviewed and someone will reach out its Tuesday and I havent heard anything beside a generic email that my account has been restricted Saturday morning after it was already frozen I talked to someone Saturday that said my account has been frozen because they couldnt verify my business so I sent in my schedule c form and also my receipts from my nail supply purchases, I was also told that I am found ineligible any money in my account will be giving back to the sba I also Have a job that direct deposits into that account and I have my tax refund coming tomorrow that i have been waiting almost 3 months for I have things to do and I will not have any access to that money and possibly will loose everything thats in the account even if it didnt come from the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX today I contacted XXXX XXXX regarding account ending in XXXX, that is still showing up on my credit report. I spoke to someone in card services, who then transferred me to the recovery department who then transferred me to collections, then to fraud, then back to card services, then back to recovery, then fraud, then collections after speaking to 11 different people, a crossed 4 different departments, nobody was able to help me resolve this. I had previously asked for an itemized statement because I believe someone used my account. After speaking to someone in collections, they let me know that the balance was {$120.00} dating back to XXXX. I asked what I needed to do to get this off my credit report. They said they could not take any form of payment due to it being flagged by fraud and theyd transfer me back to the fraud department. I spoke to the fraud department and they said they couldnt take payments and would transfer me back to the recovery department I was then disconnected. 
Then on XX/XX/XXXX I received a phone call from XXXX XXXX requesting payment. I told them I would settle for {$120.00} if they agreed to a pay and delete and they agreed so I sent a letter with my check for them. 
On XX/XX/XXXX they cashed my check but it still remains on my credit report.

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 2021-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: I.C. System, Inc.
State: TX

Complaint narrative:
My credit report says that XXXX XXXX sent a balance of {$2100.00} to a collections agency to I C Systems with an opening date of XX/XX/2020. I have never done business with XXXX and I have not received any information by mail or telephone about any debt that I owe from I C Systems. The amount is suspiciously the same as an amount from another collections agency that I reported and was found fraudulent. I have disputed this charge, but nothing has happened yet.

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 2021-05-18 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:
on XX/XX/2021, I sent 4 Certified letters to XXXX XXXX XXXX XXXX regarding some collection accounts they claimed I owed. In my letters to them, I requested several specific items as to why they think owed the debt. I asked for name, address, account number and amount owed. I also asked for original creditor info, amount owed to creditor at the time it was transferred to them. I asked for verification and documentation that there was a valid basis for claiming that i am required to pay the debt to the original creditor ( ex ; some type of written agreement ). I asked for a copy of the last billing statement from original creditor, any interest, fees, or other charges. 
I asked for them to provide proof of a debt collection license in Texas with license number, date of the license, name, address, and telephone number of the state agency issuing the license. I know they have 30 days to respond to my certified letters so i waited 45 days and did not receive any response from them. At that time I asked them to delete this inaccurate info from my credit reports and yet they refused. On XX/XX/2021 I sent out a 2nd round of the same 4 Certified letters ( 1 for each collection account they are claiming I owe them for ) and today makes 44 days and I still have not received anything from the collection agency. I made a complaint recently with CFPB and the only thing XXXX XXXX XXXX said was " This information is accurate ''. I didn't them to verify my name and address, I asked for a thorough investigation and to provide me with the specific information i requested but after almost 90 days, and 2 rounds of certified letters, they still have not provided me with the information i requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX had a fraudulent account started in my name. I have contacted them numerous times and they have not answered any of my phone calls or emails. I also talked to experian, today and they said that they are going to look into this, and no more than 5 minutes later I got an email stating that their investigation was complete.

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 2021-05-18 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:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
As a consumer I recieved a copy of my credit report, with reviewing my credit report I have notuce that LVNV have been violating my rights as a consumer, they are harassing me, defaming my character, jeopardizing my family, hurting my future, according to 15 USC 1692 they have to pay {$1000.00} per violations. The list of violations are 15 usc 1692 b2, 15 USC 1692 b ( 4 ), 15 USC 1692 c1 ), 15 USC 1692 c, 15 USC 1692 d, 15 usc 1692 f. I have attached an copy of my FTC, License, and SSC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Unable to request temporary unfreeze in my online Equifax account : " ... unable to retrieve status of security freeze ... '' Customer service states that the system may be updating. This occurred at XXXX XXXX, middle of business day for over 1hour and counting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

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 2021-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: STANDARD MORTGAGE CORPORATION
State: LA

Complaint narrative:
I am one month behind on my mortgage at Standard Mortgage I sent a payment in and they want to send it back cause 2 payments are due. My husband got laid off and we are struggling to pay bills so I wish they would accept my payment.

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