vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
In XX/XX/2020, I applied forbearance for my mortgage with Carrington Mortgage. I was ready to come out of forbearance and submitted my information. They extended the forbearance without asking while they performed their paperwork. I accepted the repayment plan for past months that were associated with the forbearance. My first payment is due on XX/XX/2020 and they reported a delinquency against my credit reports. I asked them why they did this and they stated it was part of the acceptance of the agreement. Nowhere in the plan I signed does it say there would be a delinquent reporting against my credit. If I know this, I would have never accepted the payment plan and just submitted what was due. 

Also, doesn't the Cares Act protect me from this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: SC

Complaint narrative:
I spoke with someone at ERC to pay off a collection that was on my account. This collection is preventing me getting a private student loan. I told them I would pay to delete. XXXX XXXX at ERC said if I pay my collection, they would email me 48 hours later indicating that this would be removed from my credit. My collection account was updated to XXXX , but still is on my account as derogatory. This is my only way to get a student loan, no one I know can co-sign for me and this is preventing me from returning to school. She said it wouldve been deleted and they just updated the balance to XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity bank continues report inaccurate information on my report, the report states that I closed these accounts which is not true.I received a letter that the store was going out of business so I personally reached out to them to try and settle or come to some kind of agreement that is reasonable due to the pandemic and now only having one income. The declined my offer and continues to report outrageous late fees every month which is hurting my score and keeping me from getting a more affordable home for my kids. The credit limit for the XXXX XXXX card was only {$200.00} but the balance is now {$610.00} due to my fees.

And the other 2 cards are reporting but shows no balance due and they refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/XXXX I got a letter from Discover Personal Loans. Rejecting me because of slow payments of debts, too high debt ratio, and no history of installment loan payments. I had just gotten a loan from Discover personal loan in XX/XX/XXXX for {$2500.00} payable in 48 months and I paid that loan in 6 months in XX/XX/XXXX.  Then in XXXX they sent me a letter with the credit reporting agencies they used, XXXX, XXXX, XXXX and with one I never heard of XXXX XXXX. Then Yesterday ( XX/XX/XXXX ) they made me aware of another credit reporting agency they used XXXX who are these people? I would like to file a complaint against Discover Personal Loan, XXXX and XXXX XXXX for using erroneous information to deny me a loan. Also I want my correct credit score added to my credit information. I had just gotten credit reports from XXXX, XXXX and XXXX and they were good.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: LEXISNEXIS
State: MI

Complaint narrative:
On XX/XX/XXXX I got a letter from XXXX XXXX XXXX. Rejecting me because of slow payments of debts, too high debt ratio, and no history of installment loan payments. I had just gotten a loan from XXXX personal loan in XX/XX/XXXX for {$2500.00} payable in 48 months and I paid that loan in 6 months in XX/XX/XXXX. Then in XXXX they sent me a letter with the credit reporting agencies they used, XXXX, XXXX, XXXX and with one I never heard of Lexus Nexus. Then Yesterday ( XX/XX/XXXX ) they made me aware of another credit reporting agency they used XXXX who are these people? I would like to file a complaint against XXXX XXXX XXXX, LexusNexus and XXXX XXXX for using erroneous information to deny me a loan. Also I want my correct credit score added to my credit information. I had just gotten credit reports from XXXX, XXXX and XXXX and they were good.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: ID Analytics, Inc.
State: MI

Complaint narrative:
On XXXX XXXX I got a letter from XXXX XXXX XXXX. Rejecting me because of slow payments of debts, too high debt ratio, and no history of installment loan payments. I had just gotten a loan from XXXX XXXX  XXXX  in XX/XX/XXXX for {$2500.00} payable in 48 months and I paid that loan in 6 months in XX/XX/XXXX. Then in XXXX they sent me a letter with the credit reporting agencies they used, XXXX, XXXX, XXXX  and with one I never heard of XXXX XXXX. Then Yesterday ( XXXX ) they made me aware of another credit reporting agency they used SageStream who are these people? I would like to file a complaint against XXXX XXXX XXXX, XXXX and Sage Stream for using erroneous information to deny me a loan. Also I want my correct credit score added to my credit information. I had just gotten credit reports from XXXX, XXXX and XXXX  and they were good.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize any of these companies to run 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 2020-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: WA

Complaint narrative:
I was scammed on Website called XXXX, the site was suddenly taken down or frozen around XX/XX/XXXX, or XX/XX/2020 for the amount below. 
XX/XX/2020 for {$790.00} XX/XX/2020 for {$3500.00} XX/XX/2020 for {$2700.00} XX/XX/2020 for {$1100.00} XX/XX/2020 for {$3200.00} I have filed a police report and contacted my bank, XXXX  XXXX XXXX, but of course bank cant do anything to to help me, because this is through a third party which is coinbase, www.crypto.com. Im hoping that coinbase will be able to stop all transaction when I found out that this was a scam but they said they cant because my payment was already sent out they arent able to help. Im very upset that this happen to me during the Worst pandemic time, Im hoping someone out there that can help retrieve my fund. Almost feeling like did I make the wrong choice to invest?

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 2020-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I submitted a complaint on XX/XX/XXXX after numerous BILL COLLECTOR calls about my mortgage. I pay my mortgage EVERY MONTH via bill pay. My payments are cashed and then applied to a SUSPENSE ACCOUNT or a UNSPECIFIED account. Some payments are applied to my escrow and NOT my mortgage ... so it appears my mortgage is in default. 

THIS COMPANY IS RUNNING A SCAM. NO DOUBT THEY ARE PREDATORY LENDERS AND WILL BEGIN TO CHARGE DEFAULT INTEREST AT 18 % ON MY HOME. 

This started when they took over my home loan from XXXX XXXX XXXX. They said I owed an additional {$5000.00} on my escrow but could never tell me where that {$5000.00} came from. I agree that escrow payments are modified each year, but not {$5000.00} ... it is usually a couple XXXX dollars more or less. This discrepancy appears to be the amount of my tax payment and it is very possible that Specialized Loan Servicing AND XXXX XXXX both paid my taxes which were due XX/XX/2019 the same month of the loan acquisition. 

THIS COMPANY MUST BE INVESTIGATED FOR PREDATORY LENDING PRACTICES, I AM ON A FIXED INCOME AND SCARED TO DEATH THIS COMPANY WILL BEGIN FORECLOSURE ON MY PRIMARY HOME. PLEASE HELP 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 2020-08-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2020 I purchased Round Trip Airline Tickets from an online travel agency called XXXX XXXX. I paid {$3200.00} for those tickets using my Bank Of America Visa Travel Rewards Credit Card. I purchased 4x round trip XXXX XXXX tickets for XX/XX/2020. 

Due to travel restrictions imposed by both originating ( USA ) and destination ( XXXX ) governments related to the COVID-19 pandemic, XXXX cancelled my flight. 

I have spent endless hours on phone calls, of which i have recordings, with the online agency. They tell me that my tickets are non-refundable ( which is not true - they're lying in the hopes that they can hold on to my money ). 

I have contacted the airline, they assure me that my tickets are refundable. 

I have logged a complaint with the DOT, which was forwarded to the Arline, which re-iterated that my tickets are refundable, however i must go through the Agency to issue the refund - however the agency doesn't want to issue a refund. 

I have logged a complaint with the XXXX  against the Online Agency - this was forwarded to the Agency to which the agency responded that the tickets are non-refundable and that I must first resolve all my disputes before they ( XXXX XXXX ) can further discuss any potential resolution with me ( at this point, i don't believe them ). 

I have also submitted a dispute with my credit card company Bank Of America - whom, at first, issued a full refund to my Credit Card, but later re-charged my card for the full amount, siding with the agency claiming that the tickets were non-refundable. 

Ultimately, Bank Of America allowed a merchant to defraud me of my money when i was entitled to a full refund. 

As is always the case against corporate giants with deep legal pockets, the consumer is left holding the bill.

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 2020-08-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Request three credit bureaus to remove/delete deragoratoratory credit information from XXXX XXXX  and two XXXX XXXX XXXX  accounts based upon Federal Truth in credit reporting act from Federal Trade Commissions-FTC with supporting papers of prior and current dispute in court and medical defenses as treated like absentee and manipulation done in bad faith.

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 2020-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, So I received an email from American Express stating I was enrolled in a {$0.00} dollar plan it fee that expired by XX/XX/XXXX at XXXX MST. I called on the XX/XX/XXXX to verify that I was eligible and was good to proceed with purchases. I made one on XX/XX/XXXX for {$320.00} and was able to have no additional fees to pay it off. I made another purchase on XX/XX/XXXX for {$2100.00}. I went to create a plan for it, and I was being charged an extra {$370.00} to create a plan. I called and spoke to them and they said I didnt met the deadline which was XX/XX/XXXX and that I shouldnt have made the purchase. When the clearly it has already been placed on the XXXX and processed by the XXXX. Their only solution was to contact the seller and cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have opened a care credit account and its my account I was paying my bills every month, and then someone got my information and used my card without me knowing, I was never late on my payments. Because it comes out directly from my bank, I contacted the company right away about this problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank sent me a letter saying that they had my authorization to take the money out of my credit card. They do not have my authorization and they say they do better have it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Student Loan Finance Corporation
State: TN

Complaint narrative:
When I got my loan I read that my rate would be 3.99 because I would get a .25 % auto pay discount. I signed up but my statement never said 3.99 % always 4.24 %. So I cancelled auto pay. The I was clicking on the website and found the attached screenshot that said I should get the discount so I signed up again for several months and still every statement says 4.24 %. I want my agreed upon 3.99

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: TX

Complaint narrative:
I spoke with Experian concerning a credit dispute. They did a wonderful job of filing my dispute ( s ) and gettting them removed from my account. However i checked my credit file and as of XX/XX/XXXX, by credit score took a nose dive from XXXX to under 530. My score dropped by 121 points. I couldnt understand why my credit score would drop by 121 points after negative items were deleted. 
Again, positive items were NOT removed but negative items, which means my score should have went up substantially. When I talked to the Customer Service Rep at Experian they told me that my score possibly dropped because of the " activity on my account '', in particular, I was told that when Experian went in to remove the unlawful inquiries and did the " dark web '' monitoring, that all this monitoring may have resulted in my score dropping my 121 points???

The rep then asked me if I wanted to continue credit monitoring and I cancelled. I told them I dont understand how my account being monitored for suspcious activity would result in my credit score dropping? 

Could you please investigate why my score dropped my more than 121 points with NO positive accounts being deleted and only negative accounts. 

Again, I can I see if positive accounts were deleted however they were not, it was ONLY negative accounts, which means my score should have went up and not down.. 

Lastly, I was told my the rep that there computers/alogirithm is responsible for info and he doesnt understand why my score dropped as well. 

Because of this drop in score, my recent Business Loan Application may be in jeopardy, along with other business interests.

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 2020-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Previous fico score ( averaged ) XXXX  My mortgage was refinanced ( XXXX XXXX ) in XXXX. I was advised by XXXX XXXX to not make XXXX payment, as it would be refunded anyhow. The loan properly disbursed on XX/XX/2020. 
XXXX XXXX computer system erroniously attached a 30 day late to my credit report. This caused a 149 pt drop on XXXX from XXXX to XXXX. On Transunion a 153 pt drop from XXXX to XXXX, and 82 pt drop from XXXX to XXXX on XXXX. All of those drops in scores were excessive to say the least. Fraudulent is more appropriate. I have a clean payment history going 184 months prior, had less than {$1200.00} total revolving debt. 
I filed a dispute with all 3 agencies and XXXX filed a dispute on my behalf as well. This latest report, the agencies raised my score ( XXXX 54 pts, transunion 116 and XXXX 51 pts. ) This is unacceptable given my payment history, debt and responsible financial decisions. 
I would like a full investigation as to how one single late payment would drop my scores so far down and how a correction of that late payment to paid on time would not result in restoring my credit to where it was previously. I believe the new scores are reflective of a new debt incurred while the scores were erroniously low, and the same debt incurred at an XXXX score would not result in such a steep drop. 
I do require a confermation of this complaint by email phone or text XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
In 2018 I was stationed at XXXX XXXX TX in a XXXX XXXX. This meant I was in the desert for long period of time with out communications because of the equipment being tested. Anyway my ex wife at the time stop paying my bills without my knowledge. As soon as I found out I started paying all my bills with all the late fees. By the time I paid Santander they had charged off my vehicle. I called them several times to rectify the issue and they said my account was current ant the would report it to the credit agencies monthly. Now I being paying an extra XXXX dollars a month so I can pay off my car sooner, but due to Santander refusing to change my report and report accurately to the credit agency Im getting a negative rating from the credit agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was notified that there was a discrepancy in my account, and they wanted me to send proof ( my drivers license ) of who i was even though they would not inform me as to what the discrepancy was, ( each time i have to ask to speak with someone who speaks English ) then they hang up. i have yet to find what the problem is even though i have scanned and sent my ohio drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: NJ

Complaint narrative:
I have been trying to rectify this problem for quite some time. 

I have been in contact with XXXX. Also, the United States bankruptcy court district of XXXX, New Jersey. Every time I follow a credit dispute with the credit bureaus I received information that the dispute has been verified. I've also asked how they verify the information and they never get back to me with it. I was told XXXX is the furnisher of information regarding bankruptcies. And they stated to me they have nothing in their database showing the bankruptcy for me. 

Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ XXXX   Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ 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 2020-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
I opened a Checking Account with First Citizen XXXX  on XX/XX/2020 with the promise of a new account bonus of {$300.00} if certain conditions are met. 

I have met all the conditions and still have not received the bonus. I have contacted the bank via electronic message and received no response.

Company response to consumer: Closed with monetary relief