vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Select Financial Services, Inc.
State: CA

Complaint narrative:
1. in XX/XX/XXXX, our mortgage lender ( XXXX ) sold our loan to a new company XXXX XXXX of XXXX , TX . WE ( borrowers ) were not notified for 4 months about the change of finance company. Todate we borrowers have not received statement of what amounts were received from XXXX ( previous lender ) Payments were not credited to the new lender ( XXXX XXXX ) meantime, The new lender ( XXXX XXXX ) has been sending us notice of DEFAULT AND INTENT TO ACCELERATE ... .. per letter dated XX/XX/XXXX. we have send letters to XXXX XXXX  ( 4 times, every month to explain and that they need to give us all the records of payment received, letters were sent via certified mail, but no response other than what amount they want to collect, and threat of Default .... ( also, urging us to refinance due to the fact that we have a very low mortgage rate at this time.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I was trying to buy a home and had an old unpaid car loan account on my credit report. I contacted Ally Financial and they agreed to settle the account for a lesser amount than owed. They said if I paid the amount that it would be removed from my credit report. We agreed on the amount and I paid the amount on XX/XX/2018. They also sent me a 1099 for the remaining amount of the loan which I paid taxes on as it was considered income. Ally refuses to remove this from my credit report which they said would be removed if I paid the amount that was settled upon. Ally Financial lied by telling me if I settled the account it would be removed from my credit report. I believe this is a violation of the Fair Credit Reporting Act and a violation of the Fair Debt Collection Practice.

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 2020-01-27 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: Conn's, Inc.
State: SC

Complaint narrative:
I applied on Conn 's website only to see if I would pre-qualify by filling out the short form pre-qualify application, it cleared stated in bold yellow writing " the application wouldn't impact to lower your score ''! I hit the submit, to see if I would pre-qualify, it gave me offer for up to {$4000.00}. So I still assume it was a soft pull because it awarded me up to {$4000.00} not a definite credit line of {$4000.00}. I was unaware until the next morning on XX/XX/2020 when a sales rep named XXXX called me to inform me on the new credit line. I quoted to her the same thing that I didn't complete a application for a new line of credit, it was to a pre-qualification to see if I would qualify, that I was looking but wasn't ready sure if I was going to make purchases at Conn 's, especially when I didn't complete a application to run my credit for a hard pull, and the offer is only good for 30 days unlike any other line of credit or store credit, then you'll have to do another application for credit.Then I checked my credit monitoring it indeed was a hard pull, and my score was dropped as a results of this unauthorized action. Conn 's is the appropriate name for their business, plenty of consumers have gotten suckered by what happened to be a soft credit pull on their pre-qualify site, please check the internet for the reviews I'm one of many that this has happened to, it needs to be stopped by the federal government agency immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: CA

Complaint narrative:
After chapter XXXX  filing was completed, I opened a new credit card with XXXX XXXX XXXX. I used it for a couple of month, but I decided to close this account since their customer service quality is too low and payment system was very inconvenience. 
I closed it on XXXX, 2019, but I found they put incorrect information on my credit report as " discharged from chapter XXXX filing '' It is non-sense because this account was opened after my bankruptcy. 
I had tried twice to correct this information thru Experian dispute, but it still remained on my report. 

Please help me out to remove the incorrect status for this closed account asap.

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 2020-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX  XXXX, XXXX XXXX and XXXX XXXX, has over charged me. My bill was {$25.00}, however, I was charged {$70.00}. I tried calling the restaurant multiple times and after not getting an answer I went up there and spoke to the manager, XXXX. She told me that she would have it resolved in 2 days but after 3 days of not hearing from her I went back up to the restaurant to speak to her. She never fixed the problem so I filed a dispute with my bank and they temporarily credited {$44.00} to my account. As of today, I received a letter that the dispute has been resolved and they will remove the credit of {$44.00} from my account because provided documentation rebutted my dispute. However, as I looked through the evidence that Bombshells provided, it showed that someone did sign for a bill of {$70.00} for my card but I never signed anything. They did not show the signature, just when that person tipped. In conclusion, the server used my card to pay someone elses tab. I never signed off on the receipt of {$70.00}. I should not be held accountable for our waitresses mistake. I will attach the correct receipt, I only ordered 4 draft beers. As for the tip receipt, I got one but never got a pen so I took it with me and later noticed that it was the tip receipt to a man named XXXX XXXX at a different table which shows how easily XXXX, the waitress could have gotten tabs confused.

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 2020-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
Homebridge Financial Services did not pay my home insurance payments, even though they are legally required by FHA regulations. I first called them in XX/XX/XXXXand asked why my home owners insurance had not been paid, they told me that I didn't have an escrow account to insurance, even though its a legal requirement of a FHA loan, they even told my insurance company that the payment was not escrowed as well. After Homebridge corrected the original issue of not paying insurance, they got a hold of my provider, and mailed a check. apparently the check was not received or refused. Instead of notify me, they did nothing, allowing my insurance to lapse. Homebridge then sent me a fine for the lapse of coverage, which they are the cause of.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc.
State: MD

Complaint narrative:
I was a customer with XXXX  and I first order just a impression kit on XX/XX/2019. That was just to see if I would be a candidate for the XXXX XXXX for my teeth. I didnt sign any documents at that time. I just entered my basic information and made the payment of {$49.00} for the impression kit. After going through the process, I had to go to a location to have my teeth scanned. At that time I was asked to sign if I wanted to fast track the production of my XXXX. That was what I approved. The production of the XXXX. When the XXXX  arrived and I began the process, I realized that I didnt get a finance agreement. I paid the initial {$250.00} deposit online myself. I never received a finance agreement with the terms, percentage rate or length of the loan payments. I went online and was directed to a website for the company financing the XXXX. XXXX XXXX. There I discovered that a finance agreement had my electronic signature on it. I never signed a finance agreement with XXXX XXXX XXXX, up until now I never knew who the finance company was. I never knew about the terms, interest rate or length of the loan payments. And it was dated XX/XX/2019. I wasnt with XXXX at that time and never e signed anything with either party. I called the finance company and was told that the contract was sent to them already signed from XXXX. I then called XXXX and no one there knew why it was signed. I thought it to be fraud and I told them so. Several request were made for a manager from XXXX to contact me, that was last year XX/XX/2019. I was never contacted by anyone from XXXX or XXXX XXXX XXXX. 
Instead of XXXX direct trying to resolve this issue in good faith, they sweep it under the rug and sent my account to a debt collection agency. The debit collection agency is AmeriAssist. I contacted them to explain the situation to several members of their team only to be basically told, Tough luck, we understand what your saying but you still have to pay. AmerAssist then sent the account to XXXX  and my credit score dropped by 15 points. Now my credit has been impacted for no fault of my own because of unscrupulous people. Amerassist continues to ignore my complaint and insist on calling me daily. I dont have any finance agreement with XXXX XXXX XXXX. So I dont owe them anything. They had months to clear this up. They are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
The name of the company is XXXX XXXX XXXX, and they bullied me basically into setting up payments for an old credit card debt that I had in the past. They threatened me by saying things like we will sue you, and they said someone would either come to my home or my job to serve me with papers if I didn't set up payments immediately. There phone number that was given to me is XXXX, and the fax number is XXXX. They have literally gotten close to 5 {$500.00} out of my checking account. And it is making me sick to know that I was scammed like this. 

I have since tried to contact them regarding my account, but the phone appears to be disconnected. And the email that is on their letterhead seems to be false also. The email is XXXX If needed, I can provide emails that were sent back and forth between me and the company. 

There is also another letterhead of a company with whom they may have dealings with. The name of the company is XXXX XXXX  XXXX, and their info is below : XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: OH

Complaint narrative:
I was going over my credit report. XX/XX/2020. I've filed several complaints and fraud alerts with equifax and an Identity theft report with the FTC about this Fraudulent activity that has occurred. I also recently went to open a business account with XXXX XXXX  and a profile was started already with the number XXXX attached to the profile. This is not my number and this was not my account that was in there system. They also mentioned some charge off accounts pulled from lexis nexus that I have never heard of. Ask I for proof of authentication and they have yet to provide any. 

My name Is XXXX XXXX. 
XXXX XXXX XXXX XXXX. 

These are addresses that are associated with my credit profile but I never lived there. Nor Has me or any of my relatives. Fraudulent accounts. Attached. 

XXXX XXXX XXXX XXXX, FL XXXX Address ID # XXXX ( XXXX  XXXX. Account Number XXXX ) Credit card. Not My Account. 
Please Remove. 

XXXX XXXX XXXX XXXX, WI XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family The adresses as mentioned above are not mine. please remove from my profile as well as any other misinformation attched to these adresses. 

Police reports have been filed as well locally in XXXX ohio. about these matters there of. 

Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to {$3700.00}.

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 2020-01-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cottonwood Financial Ltd.
State: SC

Complaint narrative:
In XX/XX/XXXXthrough the present I have received countless calls from multiple collection agencies regarding a loan with The Cash Store in XXXX Co Utah. I have never been to Utah or had business with a Cash Store. I filed a police report in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. After much harassment and multiple attempts at providing letters from Consumer Affairs, Police Reports etc in XX/XX/XXXX, the loan was removed from my credit report. However, the collection companies change hands and start over a year later, over and over. i.e. XXXX XXXX, XXXX XXXX, and XXXX. XXXX is the most current and most rude with threats of Arrest, Court, Legal Summons, fowl language and dozens of calls to my work number. 
My credit has always been perfect and I am a 38 year military veteran with a security clearance. The collections have destroyed my Credit, ruined my life and caused me to lose my security clearance and job.

I want this to end and would like for these companies to be punished and compensate me for over 8 years of abuse, and to stop passing this loan from one collection company to another.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
This is regarding the Goldman Sachs Apple Credit Card. 

Apple/GS released this card to the public without making it abundantly clear that account activity would not be reported to any credit bureaus.

It took them 4-5 months to just report general account info to XXXX. They currently have no plans to include any of the other credit bureaus. They are instructing customer service representatives to tell customers that they may potentially report to the other bureaus in the future but have no plans currently. Any deeper inquiry gets shutdown immediately with clearly canned responses.

The entire experience made me very uncomfortable, I probably would not have opened the account if I new this at the point of application, and I am fairly sure it was not included in the account agreement, which they may have updated after the fact.

Apple/GS is not following standard industry practices, is being very guarded and unclear with their customers, and has zero plan to fix the issue. 

I am worried about the popularity of this card - think of younger generations who can do whatever they want with this card without any impact to their overall credit score?

This is unacceptable behavior from two very reputable companies, I think it is unfair to consumers and should be addressed immediately, not in the next 3 years. I challenge the CFPB to hold these Goliaths accountable.

Thank you for the attention and time to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
PRA PORTFOLIO RECOVERY ASS IS KNOWINGLY AND FALSELY REPORTING THAT THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX TO XXXX. THAT IS A LIE IT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  XXXX TO THE CFPB.GOV PRA PORTFOLIO RECOVERY ASS. IS KNOWINGLY AND FALSELY REPORTING TO TRANSUNION THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX. THAT IS A LIE IT WAS OPENED ON XX/XX/XXXX AS REPORTED BY CAPITAL TO THE CFPB.GOV PRA PORTFOLIO RECOVERY ASS. IS KNOWINGLY AND FALSELY REPORTING TO EQUIFAX THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX. THAT IS A LIE THE ACCOUNT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  XXXXTO THE CFPB.GOV THIS IS NOT A MISTAKE. PRA IS TRYING AND HAS SUCCEEDED TO DESTROY MY CREDIT WORTHINESS. THEY HAVE DONE THIS MANY TIMES TO MANY PEOPLE. THIS IS THEIR BUSINESS MODEL. BUY OLD ACCOUNTS REPORT LIES BY RE AGING ACCOUNTS. TAKE THEM TO COURT FALSELY. THEN DROP THE FALSE LAW SUIT. THE ACCOUNT IS RE AGED TO COME WITHIN THE TWO YEAR MARK TO DESTROY YOUR CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
This number have been calling my phone atleast 5 times in one day for the past week now. When I answer the phone no one says anything they just hangs up. This is harrassment and I wish they would stop calling me. I do not know of any debt owed to this company as I am up to date on everyone I owe. they have not sent me any correspondence in the mail about a debt nor have they left any messages. they constantly calls me without saying anything when i answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: LoanCare, LLC
State: IL

Complaint narrative:
I took a mortgage in XX/XX/XXXX, I bought my house through a company called XXXX XXXX XXXX, they sold the loan to a company called XXXX XXXX XXXX  they report me on the credit report at XX/XX/XXXX. 
in XXXX another company report me to the credit report that called LOAN CARE SERVICING CTR. 
now the situation I have on my credit report two mortgage loans two companies claim my loan. 
- what I did? 
1- I called XXXX XXXX XXXX  they inform me that they will sold the loan to LOAN CARE SERVICING CTR. on XX/XX/XXXX not in XX/XX/XXXX and they collect my payment until XX/XX/XXXX. 
2- I called LOAN CARE SERVICING CTR. they claim that they own the loan from that date and they able to report me to the credit bureau since XX/XX/XXXX. 

- current situation : 1- two company claim my mortgage 2- because of the big amount reported to the credit report my credit score went down 36 point. 
3- I can't take any loan because of the big decrease in my credit score.

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 2020-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
tricked me into using balance transfer checks. first sent a series of checks for 1.99 percent. then followed by a series for 2.99 percent then lastly a series for 0 percent to start cycle over again. entrapment. in small print on the back of info says may apply to lower apr balance first.

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 2020-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Convergent Resources, Inc.
State: KY

Complaint narrative:
On XX/XX/2020 I received two voicemails on my cell phone. My mother called the number back at XXXX XX/XX/XXXX. They asked to speak with me, she asked who she was speaking with and the representative said convergent outsourcing. My mom asked what kind of company that was and he said a debt collections company ( Not supposed to say that! ) She said Ok and the man proceeded to release all the info about my debt to a 3rd party ( Not supposed to do that ) She advised that rep it was not convenient for me to receive calls on that phone number unless it is after XXXX or XXXX est ( She couldn't remember which one she said ). 

On XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) On XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) on XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) on XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) On XX/XX/2020 I received a call at XXXX ( not after XXXX ) on XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) On XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after 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