vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Covid 19, no work. Only forbearance plans offered. Need deferred payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Trans Union XXXX. XXXX  XXXX XXXX  XXXX, PA. XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : TRANSUNION /XXXX  XXXX XXXX ( XXXX. XXXX, XXXX ) / ( XXXX XXXX  XXXX/ XXXX   XXXX  XXXX  ) Account # XXXX ; XXXX. 

To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original TRANSUNION /XXXX  XXXX XXXX ( XXXX. XXXX, XXXX ) / ( XXXX XXXX  XXXX/ XXXX  XXXX   XXXX  ). I have received a response that clearly violates my rights according to HIPAA. 

TRANSUNION /XXXX  XXXX XXXX ( XXXX. XXXX, XXXX ) / ( XXXX XXXX XXXX/ XXXX  XXXX   XXXX  ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original TRANSUNION /XXXX  XXXX XXXX ( XXXX. XXXX, XXXX ) / ( XXXX XXXX  XXXX/ XXXX  XXXX  XXXX  ) should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

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 2020-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
LVNV Funding Inc. sent my debt to a collection attorney who filed for garnishment of the debts owed to the company. On XX/XX/2020 I received a letter stating the debts were satisfied ( paid ) in full but LVNV Funding has not updated my credit reports nor removed the inaccuracies after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Recently I contacted Exxon Mobil because of the XXXX XXXX, I was unable to make a payment on time and asked if I could make the payment at the end of the month namely XX/XX/XXXX. On XX/XX/XXXX I made the payment. In the evening of that same date, I received an email from Exxon Mobil. It stated, " Our decision to decrease your credit limit was primarily based on recent delinquency on your account. '' My recent delinquency was due to the XXXX XXXX. They also stated, " Our credit decision was based, in whole or in part on information obtained in a report from the following consumer reporting agency : XXXX ''. I'm not sure where they got my report because I have a security freeze on my report for over 15 years. They go on to say, " As of XX/XX/2020 your credit score is XXXX. '' How in the world can my credit score be that low when my bank just gave me a loan to purchase a fence in XX/XX/2020? Additionally, as I previously stated my account is frozen. I am being held heavily accountable due to this virus with a company who seems to be lying to me and discriminating against me for reducing my credit amount which has an effect on my credit score. How is this so? I spoke with XXXX from the management team who put me on hold for twenty minutes and then the phone magically disconnected. He never called. I called back and spoke with XXXX, who wanted to argue that Citibank does not discriminate and my credit score is not my Fico score. I guess she thinks I'm XXXX. She had an illogical answer for everything and tried to make it look like I am constantly delinquent by stating you've been delinquent 2 times. One of which is due to the XXXX XXXX. I guess she believes that I purposely went to XXXX, XXXX XXXX XXXX and brought it back to the United States. The bill was due on XX/XX/2020 and it is now XX/XX/2020. This company was in a rush to mark things against me credit wise because I am Elderly and am an XXXX  female.

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 2020-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
On XX/XX/20, At around XXXX, I XXXX XXXX XXXX attempted to cash my check from the Wells Fargo Branch located on XXXX XXXX XXXX XXXX XXXX XXXX , NM, XXXX. At around XXXX I had called the ( XXXX ) XXXX and spoke with a gentleman named XXXX ( I think ) over the phone. I asked XXXX if it were ok if I had parked my car in the parking lot and could cash my check at the drive through without a car. XXXX told me Wells Fargo would accommodate my needs so I could cash my check. When I arrived at the teller via drive through, with out a car, I encountered and spoke with Service Manager 1 XXXX XXXX Employee ID : XXXX XXXX. Mr. XXXX told me that he would not cash my check despite me explaining to him I was told by a Wells Fargo employee over the phone that Wells Fargo would accommodate my needs to cash my check via drive through without using a car. I also told Mr. XXXX I had waited for an hour and was told it would be ok via phone call and showed him the phone number I had dialed. Mr. XXXX did not cash my check. As I was leaving Mr. XXXX told me I should get a bank account to avoid this issue. Then I contacted the branch again via telephone to see if it were possible for me to schedule an appointment, in person, so I could cash my check. I spoke with a person named XXXX using telephone number ( XXXX ) XXXX. I was told the branch would not cash a check in person and that it would have to be through drive through. I told the person ( I lied ) that I didn't have a vehicle to cash my check via drive through, so how would I cash my check? Their reply was that I would need a vehicle to cash my check. 

I then decided to cash my check via drive through, using my car. At around XXXX I spoke with the same person Mr. XXXX via drive through. 

My issue is this : After speaking with Customer Service over the phone and being told I wouldn't be able to set up an appointment to go in person to cash my check because appointments were not needed to cash a check. 
I was told, via telephone, appointments are only to open/close accounts and or other banking needs not related with cashing a check. At around the end of my recording I mentioned to XXXX XXXX during this whole pandemic people without vehicles will not be able to cash their checks in the lobby. Mr. XXXX didn't reply to my question and referred me to the feedback card. 

The problem with this is people who do not have a vehicle nor direct deposit nor access to a device to take a picture and send via mobile app to Wells Fargo will not be able to cash their checks with the branch.

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 2020-03-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Lil' Wave Financial, Inc.
State: FL

Complaint narrative:
I just want to bring a topic and make sure is legal, I have a loan ( hard money lender ) with superior loan servicing, I called them on friday to see if they had an option offered for people that currently got affected with this pandemic and they answered that my loan is considered a " commercial loan '' and there is noting they can do, and they are not offering any relief. 

I'm wondering if this is legal and if I'm reaching out to the right place Kindly let me know Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX XXXX sent my debt to a collection attorney who filed for garnishment of the debts owed to the company. On XX/XX/2020 I received a letter stating the debts were satisfied ( paid ) in full but XXXX XXXX has not updated my credit reports nor removed the inaccuracies after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: AZ

Complaint narrative:
XX/XX/2020 I answered a call from the lender about my past due balance and advised them to pick up my car because Im unable to pay the amount. The collection manager was rude and stated they didnt want the car but want me to pay. I hung up on the person. They call at least 8 to 9 times a day using various numbers starting as early as XXXX my local time in AZ. which has began to be harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: HI

Complaint narrative:
I call Equifax on the phone to dispute it. Told them I talk to the company and its fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: NY

Complaint narrative:
TransUnion reports the following accounts as verified and updated. While still inaccurately reports multiple inaccuracies a violation of FCRA rules. 

( XXXX XXXX  ) currently reports inaccurate last date of activity and payment date a violation ( XXXX ) Unverifiable account a violation. 

( XXXX XXXX  XXXX ) knowingly reporting inaccurate account balance. A violation. 

XXXX XXXX  XXXX/ XXXX  XXXX XXXX/ original creditor XXXX XXXX XXXX  XXXX. Reporting account which seems to be unverifiable, and can not be validated. But still reports as verified and updated.

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 2020-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
Contract Callers Inc. sent me a notice saying I owed {$420.00} from an old XXXX bill dating back to XX/XX/XXXX when the account was closed. The most recent communication from them was from XXXX XXXX. I checked with XXXX last week and and they informed me I only owed {$70.00} which I promptly paid ( XXXX See attached ). I guess this was left over from closing the account. I DID originally, on XX/XX/XXXX receive a bill from XXXX for this same account ( see attached ) for {$420.00}, but this was before they credited me for returned/reused equipment and was 6 months ago. CCI insists that I still owe XXXX {$350.00} even though I have confirmed with them that I have a XXXX balance. 

I am trying to get a new copy of the balance now owed from XXXX, but they are overwhelmed with COvid-19 concerns. I finally got a rep on XXXX to investigate today but she won't get an answer until tomorrow. I can not just pull up the bill because the account is now closed. 

CCI has ruined my credit by reporting to the credit bureaus that I still owe {$420.00} and my score has dropped dramatically. I am suffering financial hardship from COVID-19 as my job has disappeared pretty much and I need my credit rating back. I tried calling CCI today but they insisted I was wrong. Evidently, they have a bad track record for doing this. 

Please help me get this removed from the credit bureaus. I was also the victim of identity theft with the XXXX  Breach in XXXX and I have worked very hard to clean up the mess that caused. I also paid over {$1000.00} to have my credit repaired and now its ruined over a mistake. 

Thank you so much for helping me. I really appreciate it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Company closed my account unexpectedly and without notification on or around XX/XX/2020. When I called to inquire as to why ( after being embarrassed at a restaurant when my card was declined ) I was placed on multiple long holds after which I was told the account was closed due to " evidence of a previously financial crime conviction '' ( their exact words ). Neither I or anyone in my family have ever been convicted or even suspected/investigated of a financial crime, so this was a big shock to me. I was told via a email I received after calling in to inquire about the closure that evidence/documentation would be provided to me within 30 days ( the attachment stating that is included in this complaint ). It's been almost 90 days of this writing and I still haven't received anything. When I attempt to request the documentation via phone I have been told that there is only a general feedback form which doesn't require a response. I have just now submitted yet another request for documentation but the customer support representative advised me that I may or may not receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I contacted XXXX, XXXX, and XXXX  in XX/XX/XXXX via certified mail and initiated a dispute because I am a victim of identity theft. I received my disputes back and the accounts were block from my credit files. An Account listed as WF/Preferred Cust Acct in the amount of {$6200.00} was placed back onto my credit files showing 47 late payments/Charge Off with 9 on times payments. I followed up with the bureaus about it and wanted to know why the account was replaced back onto my credit reports. XXXX  stated the company provided them with proof, so I asked them to provide me with any banking accounts or debit cards that made payments to WELLS FARGO. I never received anything from the bureaus or Wells Fargo. Today XXXX  alerted me that Wells Fargo added another late payment on today XX/XX/XXXX to the fraudulent account listed onto my credit reports. I have proof that the account was deleted/blocked from all three credit bureaus. I was never notified by any of the credit bureaus that the account was going to be reinstated on my credit reports or why.

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 2020-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called capital one customer service on Friday XX/XX/2020 to pay off my balance. I requested for my total balance payoff due and i was told XXXX. It was the same balance from my bill statement. I borrowed money from wellsfargo bank and called customer service to pay it off. I received another statement saying that I owe another XXXX dollars. My hours have been cut at my jobs because of daughter XXXX. Capital one is not willing to help. I believe this is a ripp off to charge customer after balance is paid off. XXXX and XXXX  XXXX XXXX does not charge extra money after balance is paid. I did not get any extra bills from XXXX XXXX XXXX and wellsfargo after making my payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SUCCESS MORTGAGE PARTNERS, INC
State: FL

Complaint narrative:
On XX/XX/2020 I started the pre approval process on a Mortgage loan with a company called Success Mortgage Partners Inc. based in XXXX, Florida. They came recommended by the Realty agent I've been working with. 
On XX/XX/2020 I was pre-approved for a Mortgage loan up to {$270000.00} and so I then proceeded to find a property that suited the needs of me and my family. Me and my wife are currently XXXX  our XXXX  child XXXX  in XXXX and we have XXXX XXXX year old boy as well. 
Naturally, we needed more space and thus had the need to acquire a property ( We currently rent ). We eventually found the right house for us under our budget at {$240000.00} and put in an offer which was countered and we accepted. After that, I continued the loan process with " Success Mortgage Partners '' providing documents, Signing the contract at a specific interest rate Paying the Escrow deposit to the title company, Having the house inspected etc. Everything seemed to be going well. When we got to the final stage of said process which is Underwriting, there were certain conditions that needed to be met which meant submitting additional documents which we were glad to provide. On XX/XX/XXXX, we were notified by phone call and email that all conditions were met and we were clear to close on the property. Me and my couldn't have been more excited being first time home owners and all. Our closing date had been scheduled ultimately for XX/XX/XXXX but we were trying for an early closing taking into consideration all that has been going on in the world so we were notified on the XXXX that we would be closing on Tuesday XX/XX/2020. Today XX/XX/XXXX, I received a phone call early morning from our lender at Success Mortgage that we were not going to be able to close and that the company had decided to pull the loan with no clear reason other than that the market had changed over the weekend and they were not able to sustain the loan. I find this completely unethical, unprofessional and unjust from their part. Even if I as a buyer were the one to pull out of the deal, there would've been repercussions and penalties I'm sure so I'm hoping there are some as well in place for them in order to protect people like me as a consumer. I am left in a complete state of uncertainty with my XXXX year old, and XXXX wife and possibly no place to live in a few weeks since i gave my landlord my final noticed the day I got my closing notice. 
Is there anything that can be done regarding this injustice?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Performant Financial Corporation
State: OH

Complaint narrative:
Received a letter from Performant Recovery Inc, informing me there were collecting on a delinquent debt for the State of XXXX Department of Revenue. My claim number XXXX. The letter is dated XX/XX/XXXX. 

The letter claims I owe income tax to the state of XXXX in XX/XX/XXXX for the amount of {$1200.00}. I was XXXX XXXX military from XX/XX/XXXX-XX/XX/XXXX. I was stationed in XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I have ALWAYS CLAIMED XXXX AS MY HOME RESIDENCE in all my tax forms. According to XXXX  's own laws " military personnel whose domicile ( home of record ) is not XXXX  are not required to file a XXXX   income tax return on wages earned from military ''. The military was my only source of income. I never had license or vehicle registered in XXXX  either. 

I have never received any calls, emails, or letters from the XXXX  Department of Revenue, even if i did owe them money they would have to notify me first that they were turning over my " debt '' to a collection agency. 

This all comes to conveniently as the Federal government is set to distribute XXXX dollars to everyone due to the covid-19 pandemic. I owe around XXXX dollars from 4 years ago in a state I never claimed residency in? Obviously a scam. 

Performant contacts XXXX Performant Recovery Inc XXXX. XXXX XXXX XXXX, CA XXXX Tel XXXX The letter threatened to suspended many licenses I have including drivers, hunting, and professional licenses.

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 2020-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I got a car loan from XXXX XXXX  XXXX XXXX and set up automatic payments. I have never missed a payment on any of my bills in my life because I set up automatic payments and make sure there is enough money in my account to pay ALL my bill for at least 2 months. XXXXXXXX XXXX XXXX  XXXX merged with PENTAGON FEDERAL CR UN when I was in XXXX and never sent me a notice that my automatic payments discontinued. I did not learn about this until my credit score took a hit and I called them about my past due bill. They explained that when the merger took place " I SHOULD have received a notice '' which I did not. The merger discontinued the automatic payments so I needed to setup a new auto-pay. After explaining to them I did not receive any information or warning, they did nothing. My credit score dropped 100+ points. This can not be legal or at the very least ethical. What can I do to fix this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation