vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I reported my card to cash app as stolen, the cancelled my card never put a provisional credit on the account even after the police report was sent to them. They cancelled the card again and said they were closing the case. XX/XX/XXXX I lost a couple debit cards and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: ID

Complaint narrative:
I made a payment on XX/XX/XXXX that was never applied to my account. Since then they are constantly saying I'm a month behind, charging fees etc. I sent them a screenshot of my bank account showing that transaction and they claim that wasn't good enough. I have been calling for months and been told my account was current, it wasn't until three weeks or so ago that someone finally could tell me what the issue was. This has ruined my credit, I'm selling my home and it closes in three weeks, I'm positive if I stay under this mortgage company i will lose my home because they are completely incompetent.

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 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/21 I transferred money to a zelle Recipient for a apartment I sent {$100.00} for a background check and {$2400.00} for fist and last months rent and never received the apartment I was scammed out of my hard earned money and contacted XXXX XXXX and they said theres nothing they can do Ive been a loyal XXXX XXXX customer for 22yrs I also filed a police report case # XXXX XXXX XXXXXXXX police department XXXX XXXX Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
I have explained that I have not worked due to having XXXX and I constantly keep getting calls. XXXX has been told numerous times by my employer not to call me at work and she still calls there everyday which is about to cost me my job. She has also called and harassed and threatened me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: PA

Complaint narrative:
XXXX XXXX XXXX  has continued to report invalid information. Multiple disputes have yet to resolve the issue and no validation from XXXX XXXX or the credit bureaus have been received by me. 
First issue is that they were reporting a charged off account as open. Then they were reporting it charged off, every single month, for almost a year, so that it kept updating the date of last activity. 
Second issue is that I paid it off ( {$1700.00} ), in full, and they are not reporting it as such, so my utilization is showing at 254 % Third issue is that the account was never even mine to begin with. I have an FTC identity theft report and neither XXXX XXXX nor the credit bureaus took it seriously. The ONLY reason I paid something I didn't owe was because my mortgage lender advised me to just pay it and get it over with and fight it after the mortgage closed. 
This should be removed from all of my reports. There are multiple issues that have directly impacting my ability to gain new credit. I have attempted to work with XXXX XXXX and unfortunately keep getting sent to a woman who took it very personally that I dispute anything and told me she would never consent to removing anything from my report because I filed a complaint against them. She is leveraging my credit against me as retribution for filing a complaint. 
I would like this tradeline permanently removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: MO

Complaint narrative:
Experian credit agency lied in their last reply to me. In the attached document they reported that, " The company that reported the information has certififed to Experian that thei information is accurate. '' As I stated in my previous complaint XXXX I contacted them requesting the method of verification used that shows the information they are reporting in a bankruptcy on my credit file is accurate. However they only replied saying it was verified and did not list the name of the company. I checked their website and their website states that they verify bankruptcies using XXXX XXXX. In the letter attached XXXX XXXX states that the bankruptcy file they were reporting was deleted from their records on XX/XX/21, but Experian replied to my complaint with you on XX/XX/21 stating it was verified as accurate, and also replied to me on XX/XX/21 on their website as well stating that it was verified as accurate. Either Experian made an error when they issued their reply to my complaint, or someone is purposely not doing thier job.

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 2021-10-04 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: Continental Services Group, Inc. d/b/a ConServe
State: MA

Complaint narrative:
I entered the Loan Rehabilitation program with Conserve back in XX/XX/2021 and have been having a very difficult time with the XXXX XXXX XXXX XXXX XXXX XXXX in getting my credit updated. I was promised after going through the Loan Rehabilitation program ( which I successfully have ) that they would be updating my credit, but they haven't done so. I've tried to contact XXXX XXXX XXXX XXXX XXXX XXXX and they are very difficult to get a hold of even after scheduling a phone call with them. I've had a few calls with them and they send me back to Conserve saying it's on them, and then Conserve says it's up to the XXXX XXXX XXXX XXXX XXXX XXXX to update the credit as the loan is back in their hands. I want my Credit updated as they said they would as I've done my part and know they aren't standing their end of the equation of updating my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, Citibank retired the online " Financial Tools '' suite that had been available to banking customers since XXXX. They provided minimal notice to users. I have used the tools to categorize and track my banking transactions for the past 10 years, including tracking tax-deductible charitable contributions. The online portal only allows a user to export 18 months worth of transactions in formats like XXXX, XXXX, XXXX, XXXX, and others. On a support call on XX/XX/XXXX, they told me that they will not export transaction history for the past 10 years in any format except a PDF. When I requested an email for a support desk where I could work with someone to get my data exported to one of the non-PDF formats, I was told requests for data older than 18 months are only handled over the phone, and the data will only be sent as PDFs of old statements. I spent many, many hours over the last decade updating and annotating my transaction history data in the Financial Tools system. Now I can not even export it to put it into a different tracking system like XXXX or XXXX. XXXX, XXXX, and other online service providers have features to allow you to export the data associated with your account. Why isn't my bank of 13 years required to do the same?

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 2021-10-04 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
Shellpoint bills me for lender-placed insurance even though I have insurance, have provided insurance documents multiple times, and have never had a lapse in insurance. This crooked company has wasted dozens of hours of my time battling them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: PRESTIGE FINANCIAL SERVICES INC
State: GA

Complaint narrative:
I was a victim of Identity theft in XX/XX/2016 and I was carjacked with my purse inside of the vehicle. Someone took my social security and ID and opened a car loan in XX/XX/2016. I have been going back in forth with Prestige Financial to remove this item from my credit report and they have not been cooperative.I need this item to remove from my credit report so that I will be able to purse a vehicle. This negative impact has affected my credit rating and is showing up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Purchased home in XXXX with my now ex-husband. 
We did an XX/XX/XXXX loan. 
2 loans one covering 80 % and a 2nd loan covering the 20 % My name was the only name on the 1st loan 80 % and we were joint on the second loan. 

We filed chapter XXXX bankruptcy in XXXX and it was charged off. 

The first mortgage was reaffirmed the 2nd wasn't. 

I refinanced the first mortgage in XXXX. Again the promissory has always been I my name only. Yet the Deed of trust filed to the court clerks office has both of our names on it. This is an error. The promissory note and the deed of trust are supposed to match. 
The Deed to the home was signed over to me only from both of our names. 
I can not get the mortgage company to correct the Deed of trust even though they state I am the only name on the Note. 
This is causing a huge problem with getting covid19 mortgage relief assistance since my ex-husband is still on the deed of trust. 
I would have to include him on the application. 
I can't get approval for refinancing since I am a stay at home mom and my current husband works. 
The mortgage is to stay in my name only. 
How can I get my mortgage company to correct the deed of trust without refinancing to match the promissory note?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Credit company was contacted during the Pandemic, when everything was on Pause due to shut down, including late payments and negative reports to credit agencies starting, in XXXX XX/XX/XXXX. I notified Capital One of my illness, and of a missed payment error and was told to submit the request, in writing. I was provided a corporate address. I submitted the letter, and the one negative report on my credit still remains. I contacted Capital One again in XXXX, and was given another address. I called about three weeks later to follow up with a supervisor, who told me there was nothing they could do, since I had a late payment history with them previously, they could not remove this one late report off of my credit report. I acknowledged that I have made late payments in the past that were not reported to the credit agencies, because they were only a few days late, but this was an exception and due to the pandemic, all credit agencies were supposed to grant a courtesy in regards to reporting negative payments due to the pandemic. I only had one excessive late payment, and I have not been late since. I explained that due to this, I was unable to refinance my home and the impact that it has had on my credit report. Prior to this, I had a 100 % payment history, and scared banking agencies looked at this recent blemish as an excused not to refinance a desperately needed cash out loan, which I needed to pay off my credit card debt. My Credit is currently XXXX, but I have a high debt to income ratio. The supervisor refused to make the adjustment, in light of my 2 mail request and the pandemic government order for them to do so, in order to lend consumers a helping hand, during a world crisis. How heartless can they be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I inadvertently purchased the wrong technology TV and tried to cancel almost immediately. The button to push to cancel never became live, although I tried for days. I began a return since I couldn't get anywhere else. I filed a dispute with Synchrony and checked back in about 6 weeks since I hadn't heard anything. I was told that it was decided in the vendor 's favor. After my initial shock, I gained enough composure to re-explain that I did not receive this TV and that I was beginning to think it was a scam from the start since you could only cancel if the button became live. It never did. Obviously, the investigation was poorly done. I was told my only recourse was to file another dispute and wait for another 30 - 90 days. In the meantime, my Synchrony Amazon account is carrying this balance. I never signed for this tv and I would think a picture of the delivery should be required, everything else does? They have no proof since it was not delivered to me. I just contacted Synchrony about the second dispute and was told it was decided in the vendor 's favor again. I think it is a third-party vendor with Amazon? Please help. I am so stunned and in disbelief that the credit card company, of which I am their customer, has no proof of my receiving this product yet is now looking for payment!! Thank you for being my advocate, I am at a loss.

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 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Snap Recovery, Inc.
State: CA

Complaint narrative:
They harass me every couple of days even after I asked them to stop contacting me. This morning they called again before XXXX XXXX  and when I asked who they were they said, " uh I don't know '' then hung up. I then called them back and the recording says they are Snap Recovery.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: AMA Advisors, LLC.
State: TX

Complaint narrative:
I have always made ontime payments and never been late yet Homebridge Financial reported me as being 90 days late. I have never paid late and am on a forbearance plan and though they apologized and promised to get it off my record, they still have not done so.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: World Acceptance Corporation
State: AL

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: TX

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation