vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.A.Rogers, Inc.
State: MD

Complaint narrative:
I contacted RA Rodgers, a collections agency in Maryland to send me a professional letterhead with my payment History on it for each authorized payment and not a lump sum, like they been doing. They keep lumping separate payments into a lump sum on paper And my creditor does not understand this and they do it intentionally. They have not given me a professional looking payment letter that references the accounts in question and the lender in question or their company.They also have not reported any payments to the credit bureau even after telling me they do. I never got one thing in the mail or by fax and they argue on the phone about doing their job. They keep denying me information to verify my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am working with Freedom Mortgage on a refi that they have with my existing home. I have asked and called and begged to close on this property. We were schedule to close in XXXX. We decided to move to a 30 year mortgage and were told no problem. We were then threw into a " recovery '' department that does nothing but sit on a file. I have a loan consultant, XXXX XXXX, that we have asked to speak with numerous times and left countless phone messages for with no response. We finally went back thru underwriting were scheduled for closing today XX/XX/XXXX at XXXX. When we had no one show for closing and 1.5 hours later I called to ask why, I was told that closing was cancelled and no one informed me. The reason we were told we were cancel was because we were missing a document. OK, then call and tell me what document or call and tell me we are rescheduling. This is becoming burdensome. I think they say get the cheap interest  and then they play you along until they can raise the interest. Interest has dropped since we started this in XXXX and we were told we are locked in until 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 2020-10-20 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I received a letter from a current creditor PayPal Credit c/o Synchrony Bank in which they sent a letter explaining they lowered by credit limited  on XX/XX/XXXX. This is not a big deal, however, the concern is on XX/XX/XXXX this creditor completed a soft credit pull without my permission or consent. I never asked for a credit increase for them to do so. I called to speak to the manager and the only response was it protocol for them to do that. I believe that my rights have been violated if every creditor had this power then what's the point of giving consent

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 2020-10-20 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: IN

Complaint narrative:
I called The credit bureaus on XX/XX/XXXX after noticing some inquiries on my report that do not belong to me regarding mortgage lending. I asked for them to be removed as according to the FCRA, legally these unverified and unauthorized items must be removed.

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 2020-10-20 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
I had a loan with Arvest Central Mortgage Inc. Because of Covid 19 hardship I requested a Forbearance Starting XX/XX/XXXX and ending on XX/XX/2020. I made the XXXX payment and in XXXX I requested a cancellation of the Forbearance due to the fact that I was refinancing and it was the new Lenders requirement to close the Forbearance before we close the escrow.

I spoke with a Customer Service Representative and she told me that
we had until XX/XX/XXXX to pay the mortgage otherwise we will have late fees and bad credit reporting. I closed escrow for the refinancing on XX/XX/2020 I really need to have this 60 days late payment remove from my credit report ASAP. I am refinancing my second house and I cant do it  because of this derogatory payment ARVEST CENTRAL MORTGAGE INC. has placed in my report. I have the possibility to refinance the  house at 1.99 % right now, I am paying {$1800.00} and with the new rate I will pay {$1100.00} the difference is {$710.00} for 360 months will be a total of {$250000.00}, thats the amount of damage that I will sustain if they do not remove this derogatory account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo automatically enrolled me in their forbearance program ( " mortgage payment suspension '' ) without my consent. I have called several times, spending many hours being passed from representative to representative attempting to ( 1 ) un-enroll and/or ( 2 ) clarify my loan 's status as not being in forbearance. I received an  enrollment letter on XX/XX/XXXX -- again I never requested or consented to enroll. On XX/XX/XXXX I received confirmation of my request to opt-out of mortgage payment suspension, only to receive subsequent letters indicating my continued enrollment. When calling to speak to phone representatives, they were unable to confirm my enrollment status. I was told that someone would follow-up shortly to confirm. No one followed up. It still is not clear to me whether or not my account is considered in forbearance status or not.

In addition to the letters attached here, please check my call logs ( XX/XX/XXXX - XX/XX/XXXX ) to confirm the time I have spent on this matter and the lack of clarity received from the agents of your company.

I have continued to make my regularly scheduled monthly payments but have two material claims regarding this matter : ( 1 ) the time and frustration I had to spend rectifying this situation entered into without my consent is significant and demands remuneration and ( 2 ) I want to ensure there is no inaccurate credit reporting concerning the status of my mortgage as such reporting could have material impacts on my finances.

Please note also that I was dealing with this issue while working a full time + job and planning for my daughter 's wedding. This was not a frustration that I wanted to take on. Please stop enrolling customers in programs without their consent. And when you do enroll them without consent, please take meaningful steps to make it right.

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 2020-10-20 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: TIDEWATER FINANCE COMPANY, INC.
State: SC

Complaint narrative:
I agreed to a settlement for XXXX and Tidewater Financial Company. I paid the amount which was offered.. The company is still showing on my credit as delinquent and late payment which is incorrect and is affecting my credit score. I need the correct information to be reported to the Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
I learned that I had a change to my credit score through a third party monitoring service. It showed Amsher as the collector of services through XXXX in the amount of XXXX. I was with XXXX for 18 years, had only one account and switched carriers exactly one year ago. 

I contacted XXXX, they explained the charges and credited my account on XXXX for a portion of the monies that were incorrectly charged. My existing balance is now XXXX. 
Here is where I am having the issue. 

I contacted Amsher this afternoon and was told they did not see a credit to my account and my account had not been reported to the credit bureau. They said there should be nothing on my credit report through them. They then said, " Oh, wait. There is a second account here. '' They said it was also through XXXX. I was put on hold and told that I needed to contact XXXX XXXX, XXXX at XXXX regarding my " other account ''. 

When I contacted XXXX XXXX XXXX  office, I was told that they did have my account and that I owed XXXX. ( XXXX XXXX change to amount I owed was on this account ). I was told that even if I paid that amount, I could not remove the negative mark from my credit report. 

I called Amsher back and spoke with XXXX. I asked her why I have two accounts from XXXX in collections and want to know how to get Amsher off of my records if they never sent report to the credit bureau. She put me on hold for several minutes and did not give me an answer. I was just told I had to contact XXXX XXXX XXXX office and ended the call. 

I called Amsher back and spoke with XXXX. I wanted to know the date that XXXX turned my account over to Amsher and what date my account was sent to XXXX XXXX XXXX office, as I believe the dates coincide. She became very aggressive and refused to give me any information. She stated that she did not have to give me that information and that she was going to end the call now and hung up. 

Am I not allowed to have information on my own account? I can not get a date of when my account was transferred? Or, acquired? I thought there was a " Fair Credit Reporting Act '' which made this information available. Not according to Amsher!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sent letters to the credit bureaus and have not received investigations results. By law they are required to delete inaccurate information.

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 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Not sure what happened ... .went on a trip Thursday XXXX used my debit card all weekend even Saturday ... did not use it on Sunday ... woke up Monday to pay some bills and SunTrust closed all.my accounts without notice and then tells me I have to wait five days with no transactions and then wait another 10 to 15 days for them to investigate then cut me a check for the difference ... ..I have no money ... not working because of covid and they will not release any funds to me even from the accounts that have no pending transactions on it ... ..I have did everything ... .went to the branch spoke with everyone except the president and to no avail ... .I need help I can not survive without my money

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 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I got a call from Chase asking me to confirm a transaction from XXXX to Chase. They called a rep from XXXX and confirmed my account. Then the Chase rep left the line without warning and left me alone with the XXXX rep. I tried to call them back but they had called me from an outbound only number. I tried to log into online banking and found out my online banking was locked AGAIN. They've locked me many times in the past month each time for something very minor. Unlocking the account requires hours on the phone on hold, and sometimes visiting branches in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XX/XX/2020 An original indebtedness letter was sent to the company to verify the signature and settle debt, however, the company has replied with a settlement letter and a copy of the bill and not the original application with my signature. The company is also not licensed in my state to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: VA

Complaint narrative:
I sent letters to the credit bureaus and have not received investigations results. By law they are required to delete inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent letters to the credit bureaus and have not received investigations results. By law they are required to delete inaccurate information.

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 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
my credit card was fraudulently charged {$1400.00} plus fees for an emergency cash advance I did not request nor authorised. I immediately notified the bank by e mail that this was fraud, as I was out of the country during that time. the bank refused to remove the charges as well as fees and late charges. I had an attorney contact them twice but still no resolution. now the bank has reported this to credit bureaus which has negative impact on my financial life.i have documentation of all communications with bank. 
the nank is comenity bank the issuer of XXXX XXXX  credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XX/XX/2020 An original indebtedness letter was sent to the company to verify the signature and settle debt, however, the company has replied with a settlement letter and a copy of the bill instead of the original application with my signature. The company is also not licensed in my state to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: CA

Complaint narrative:
I disputed an inaccurate account on my credit report that was due to identity theft. XXXX   and XXXX  both removed the account but Experian did not. 

I submitted multiple disputes and included proof of deletion from the other two bureaus but still Experian did nothing. 

This issue is holding me back from purchasing a home, and I have submitted over 10 disputes and not nowhere.

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 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: CO

Complaint narrative:
On XX/XX/2020, at XXXX XXXX  MST, XXXX XXXX of Cedars Business Services, using email address XXXX, has repeatedly tried to get me to pay him a sum of {$1600.00} for an account which does not bear my name or address, or any name or address on a business of mine. His first attempt contained no documents of any kind. XXXX contacted me again on XX/XX/2020, at XXXX XXXX, and again on XX/XX/2020, at XXXX XXXX  over the same matter. The company name on the document is " voiproca media limited '', with a postal address of " XXXX XXXX XXXX XXXX XXXX, XXXX ''. This is not my name, nor the name or address of one of my companies. Each time XXXX wrote, he was instructed XXXX nicely ) not to contact me again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: IL

Complaint narrative:
Hello XXXX has another bank they go through and the bank has been taking money for my account without my authorization

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 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX We started a short sale with ShellPoint on XX/XX/30. We have faxed them multiple items since then, including an offer, HUD, Authorization, Financial Statement,  etc and many other items needed for a short sale. We have contacted them multiple times for an update on the status of the short sale. Finally, today, we were given a generic list of items needed for a short sale. The rep didnt even bother to look at the file or check to see which documents they have received. XXXX**WHAT HAPPENED TO THE DOCUMENTS WE HAVE BEEN FAXING THEM FOR THE LAST MONTH??????????? I attached the package here since filing a CFPB Complaint seems to be the only way they will acknowledge the documents we have submitted. 

-- -- -- Considering it has taken weeks to get a response out of ShellPoint it is obvious they are purposely delaying this process, or they are just SO IMCOMPETENT THEY NEED TO BE SHUT DOWN. -- -- -- -- Originally they contacted someone that WAS NOT AUTHORIZED and spoke with them regarding moving forward on the short sale *****THIS IS HIGHLY ILLEGAL AND A VIOLATION OF THEIR CLIENTS PRIVACY AND THEIR SERVICING OBLIGATIONS. ****** This extreme incompetency with ShellPoint has been going on for years. We have to file a complaint on EVERY SINGLE SHORT SALE WE DO WITH SHELLPOINT USUALLY MULTIPLE TIMES!!!!!!!! 

When is this going to stop?? We are headed towards another downturn and ShellPoint is UNIQUELY UNQUALIFIED to survive in this coming downturn. Every phone call with them turns into a charade of inability to forward to the appropriate person, no one is able to answer our questions, there are no notes in the file and getting disconnected because they do not have the appropriate resources for their staff. It was clear from their first items we faxed to them that this was going to be a short sale yet NOTHING HAS BEEN DONE AND NO ONE WILL ANSWER ANY QUESTIONS ON THIS AND THIS HAS BEEN GOING ON FOR A MONTH!!!!!! This is UNACCEPTABLE AND NEEDS TO STOP IMMEDIATELY. 


I want the documents we have submitted to be reviewed, an accurate list of items needed for the short sale, and the short sale to be moved forward appropriately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
XX/XX/2020 An original indebtedness letter was sent to the company to verify the signature and settle debt, however, the company has replied with a settlement letter and a copy of the bill. The company is also not licensed in my state to collect a debt.

Company response to consumer: Closed with explanation