vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 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: Conduent Incorporated
State: PA

Complaint narrative:
I have a serious complaint with XXXX XXXX company - I filed a fraud alert on XX/XX/2021 - they sent me a new card and advised they would open an investigation to refund my {$280.00} that was stolen from me because my card was compromised. I mailed their questionaire back in early XXXX one day after I received it. It is now XX/XX/XXXX. I have called several times and been placed on hold for over an hour every time. Today I was transferred to a level 2 helpdesk, Fraud, Customer service. I believe this is very unorganized, under employed organization. It has been 40 business days since I filed my fraud. After waiting for 1 hour and 20 mins today a woman named XXXX helped me and told me it takes 45 business days to complete the fraud complaint. There is no reason anyone should have to sit and listen to hold music for an hour and 20 mins. There should also be a way to email or reach XXXX other than only a telephone number. This is a card company who handles child support payments. It is completely unacceptable. I would like this company to be looked into and improvements made with regard to citizens money and the handling of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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 mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I recently consolidated my student loans which were effective XX/XX/XXXX. The consolidation went through XXXXDepartment of education and is now listed as a new account on my credit reports showing a partial account of XXXX see below. This information is correct but all 3 credit bureaus are still showing the old student loan from XXXX with a partial account of XXXX opened on XXXX as still open which is now showing a double amount owed for my student loans. This is incorrect. 

The only loan on the student loans that should be showing open and current is the one that I am listing below. The one showing the same balance and opened in XXXX is incorrect and the credit bureaus are intentionally showing that account opened so that they double my debt to credit ratio which is illegal. The old XXXX account from XXXX should now report, closed, paid as agreed as it was paid off through consolidation. When it comes to Federal student Loans the bureaus are now in violation of a federal law for reporting two of the same account as opened and showing a double amount due of {$130000.00} and this is incorrect. 

This is the only student loan that should be showing up as open and paid on time as it was just consolidate on XX/XX/XXXX so the old student loan no longer exists. 

DEPT OF ED / XXXX # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , NE XXXX Loan Type : STUDENT LOAN Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Balance : {$67000.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$67000.00} Pay Status : Current Account Terms : {$0.00} per month

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 2021-04-09 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I recently consolidated my student loans which were effective XX/XX/XXXX. The consolidation went through XXXX/Department of education and is now listed as a new account on my credit reports showing a partial account of XXXX see below. This information is correct but all 3 credit bureaus are still showing the old student loan from XXXX with a partial account of XXXX opened on XXXX as still open which is now showing a double amount owed for my student loans. This is incorrect. 

The only loan on the student loans that should be showing open and current is the one that I am listing below. The one showing the same balance and opened in XXXX is incorrect and the credit bureaus are intentionally showing that account opened so that they double my debt to credit ratio which is illegal. The old XXXX account from XXXX should now report, closed, paid as agreed as it was paid off through consolidation. When it comes to Federal student Loans the bureaus are now in violation of a federal law for reporting two of the same account as opened and showing a double amount due of {$130000.00} and this is incorrect. 

This is the only student loan that should be showing up as open and paid on time as it was just consolidate on XX/XX/XXXX so the old student loan no longer exists. 

DEPT OF ED XXXX XXXXXXXX # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , NE XXXX Loan Type : STUDENT LOAN Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Balance : {$67000.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$67000.00} Pay Status : Current Account Terms : {$0.00} per month

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: Portfolio America Asset Management, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOVERY keeps changing the open date so that it can stay on my credit report forever. I have brought this up with XXXX, XXXX XXXX, and XXXX several times. PORTFOLIO RECOVERY XXXX XXXXXXXX XXXX for {$1100.00} and XXXX. As well as XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$610.00}. Portfolio is coming up on its 7year mark and should be removed later this year. I don't understand how I can ever move on from this. As well as XXXX XXXX XXXX should show paid in full with all three companies. Not repossessed. I have the letter to back it up.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Recovery Services LLC
State: FL

Complaint narrative:
I have received multiple phone calls from a company stating from National Recovery Services ( not 100 % sure this is the correct name ). They have called my phone, my girlfriends phone, other family members, & my place of work. They claim I owe money on a XXXX credit card. I have repeatedly told them I do not know what this is and they claim that they have sent a letter to me which miraculously I have never received. I received a call today, XX/XX/2021, and the person whom I spoke with, XXXX, repeatedly told me my credit was horrible as he has reviews my credit report and I dont pay my bills ( not really his business if I do our dont ), my girlfriend does not want to be associated with me because of my debt, asked to speak with my boss, and then asked if to speak to my XXXX son ( he is actually XXXX ) because he thinks he has more sense then me ( literally his words verbatim ). He was verbally abusive and refused to send a letter verifying the debt or stop calling. He just said I would be marked down as refusing to pay and taken to court to which I responded fine, Ill see you there. I had him on speaker phone and my girlfriend is a witness to the call.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have repeadtly told them to atop calling and disputed the accounts and have them removed several times. They won't stop.

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 2021-04-09 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XXXX XX/XX/2020 I opened a PayPal account and on the XXXX of XXXX my funds I program to my PayPal cash direct deposit was received and I was notified sum of {$1200.00}, almost immediately even while still expecting my PayPal card which after I received havent being able to activate due to the closure I need this sorted and my PayPal released so I can have access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
Got a {$400.00} late fee on my loan. Multiple issues with the loan, have a pending complaint already with you regarding this. Want that late fee removed due to multiple issues with usaa. Also when the repo agent was at my vehicle it was damaged by him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Chime Financial Inc
State: FL

Complaint narrative:
Im trying to verify my identity and my information is coming back wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
hello My name is XXXX XXXX ive reached out to wells fargo credit card several times and they claim they are going to fix the problem with my late payment from from XXXX to XXXX of 2020 since i was in the hospital with XXXX  and i was unemployed and fighting for my life before i got sick i was always on time with my payment im reaching out to you guys since wells fargo credit card is not taking action hopefully i can get this case resolved since ive paid the whole bill and then they closed my account after thank you. my email is 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 2021-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have been trying to pay my debt off with them for over 2.5 years and every time we come to an agreement, they go ahead and take 2-3 months of payments, either over the phone or on autopay, and then stop. 

When you call them to ask why the payment wasn't debited, as discussed, they say that I can just go ahead and pay using their online portal, which wasn't the original agreement and also never worked. 

They then proceed to tell you that they can no longer accept the original settlement terms, but that they're willing to renegotiate for a new settlement. The " renegotiation '' inevitably ends up being higher, or roughly equal to the original settlement amount, even though I had technically paid down the account for three months based on the former settlement terms -- their reason being that the account has now accrued interest and is out of the settlement terms because of the " delinquent '' payment. 

I have gone through three rounds of renegotiations with them, and each time, the same thing happens. I also get " reassigned '' a new representative for each new settlement, that is totally in the dark about the entire case, which makes no sense. 

This has been one of the most frustrating and frankly, predatory situations that I've ever had to deal with. 

In XX/XX/XXXX, I was contacted by another law firm XXXX XXXX XXXX  ( XXXX XXXX Debt Negotiation Specialist ), claiming that she was retained to resolve a " failed payments '' situation with XXXX XXXX XXXX. Her note said : " We received notice that you have failed on your payments under the settlement. 
Please contact the creditor 's counsel and address this issue or opposing counsel may enter judgment and start collection efforts. '' I then responded to her with proof ( including my bank statement ) that I had paid the settlement terms and that the money was deducted from my account. 

After this, I tried to contact Barclays directly, but they said they couldn't help because the account was already in collections. I tried explaining to them that I had been trying to pay but was not being given the option to, and understandably, they explained that it was no longer their issue. 

Which brings us to XXXX, XXXX. 


We are trying to sell our house and this account is now showing up as Judgement against me in the amount of {$7000.00}. The original debt was {$5700.00}. I have called XXXX XXXX XXXX incessantly to get this situation squared away, but every call leads to being told that I need to be transferred to a different rep, who ultimately ends up " being away from his desk '' or I just get put on hold, at times for over 20 minutes. 

I am truly at a loss here and I am hoping that the CFPB can help bring justice to this situation.

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 2021-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, I was informed by Lakeview loan company that I had not been making payments which was incorrect. I informed them that I had been making payments and had bank documentation to show where I made the payment, and they sent it back to my account as a refunds taking i had no account with them. I sent in all documentation and created a case. The response I received from lakeview was to make payments payable to lakeview loan, which we had been doing. I attempted again to make a payment in XX/XX/XXXX. The payment was rejected stating no account can be found. I have attempted to make several phone calls to the company and could never get through to anyone. I have attempted to email the company again in regards of my account. The companies response was I'm behind on payments and need to correct the issue. I Continued to try to make payments and they were getting rejected saying account not found. My last accepted payment was XXXX of XXXX. XX/XX/XXXX through XX/XX/XXXX I was not able to make payments due to being out of work. I again contacted lakeview loan on XX/XX/XXXX attempting to correct the account issue. I am now being told my loan is in the process of foreclosure and that I would need to make 15 payments out of 16 to stop the process. I tried to explain the matter to them that I had brought up this issue a year ago I asked if there was a payment method we can try to work out, or anything to correct the issue. They were not willing to work with me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
I had applied for an auto loan online on XX/XX/21. Upon furnishing all requested information, including photo identification, proof of residency and proof of income, I was advised I would be contacted " shortly '' by XXXX to discuss the financing. Upon not hearing from " XXXX '', I messaged XXXX ( Sales Rep. ) and received a voicemail message indicating my application was denied. That same day, I messaged XXXX to confirm I would receive an adverse action notice and was assured I would receive one. 

On XX/XX/21 I contacted XXXX XXXX, the person who sent me the the link to electronically sign the credit application ( XX/XX/21 ). I received a response from XXXX on XX/XX/21 indicating the notice had been printed and mailed. In addition, the message from XXXX asked me to confirm my address as the notice would be reprinted and mailed. It was the same as in the credit application. I had replied I would accept an electronic copy of the adverse action notice in lieu of the paper copy. I received no response to this message, nor did I receive the adverse action notice. 

On XX/XX/21 I sent another email message to XXXX indicating I still had not received the adverse action notice. There was no reply to this message. 

On XX/XX/21 I sent another email message to XXXX indicating I still had not received the adverse action notice and would be submitted a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX from Freedom Mortage called me approx. on XX/XX/2021, stating we were a good customer and they work to help their customers save money. He asked if I would be interested in refinancing our 15-year mortgage to a lower rate at no cost to us? We would save about {$75.00} a month and the term would be what was left on our current mortgage - 13.9 months. It was a no-brainer, and I said yes. 

After months of sending information multiple times to different people who called me randomly throughout the last 2 months, after numerous phone calls on hold to find out the status of our refinance we got a call last night XXXX that we had to pay {$580.00} to hold the interest rate on the loan for another 30 days! 

I received a call about 3 weeks ago from Freedom Mortgage stating that they were planning to close on XXXX and I had excess money in the account and it would be refunded when we closed. I have multiple emails where I've sent the same information to Freedom Mortgage many times to different people. I chalked it up that they were unorganized. It was frustrating and a big headache. 

I feel that misrepresented what they stated and only dragged this out so they could get money. This was wrong!

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 2021-04-09 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I recently consolidated my student loans which were effective XX/XX/XXXX. The consolidation went through XXXX/Department of education and is now listed as a new account on my credit reports showing a partial account of XXXXXXXX see below. This information is correct but all 3 credit bureaus are still showing the old student loan from XXXX with a partial account of XXXX opened on XXXX as still open which is now showing a double amount owed for my student loans. This is incorrect. 

The only loan on the student loans that should be showing open and current is the one that I am listing below. The one showing the same balance and opened in XXXX is incorrect and the credit bureaus are intentionally showing that account opened so that they double my debt to credit ratio which is illegal. The old XXXX account from XXXX should now report, closed, paid as agreed as it was paid off through consolidation. When it comes to Federal student Loans the bureaus are now in violation of a federal law for reporting two of the same account as opened and showing a double amount due of {$130000.00} and this is incorrect. 

This is the only student loan that should be showing up as open and paid on time as it was just consolidate on XX/XX/XXXX so the old student loan no longer exists. 

DEPT OF ED / XXXX # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX Loan Type : STUDENT LOAN Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Balance : {$67000.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$67000.00} Pay Status : Current Account Terms : {$0.00} per month

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 2021-04-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax suddenly started reporting a missed payment in XX/XX/XXXX on an account that was closed and paid in XXXX. I have already filed a complaint against this bank & Equifax for the error reporting in XXXX, CFPB forward it to the XXXX XXXX XXXX, only to find out that the XXXX XXXX XXXX XXXX is not an actual XXXX XXXX, & from there nothing more came of it. 
I filed a dispute with Equifax for reporting the missed payment in XX/XX/XXXX, but they claimed it was verified. 
This Error Reporting has caused me & my business to be denied credit on more than 2 occasion. 

Equifax reports this account as a closed account since XX/XX/XXXX, yet claims it is possible to have a missed payment 27 months post pay off. Doesn't make sense & is not fair that I can not see their proof. 
I can not speak to the actual bank because I do not have an open account & can not get past their automated phone system.

Company response to consumer: Closed with explanation