vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
On XX/XX/2020 I scheduled a payment that would bring my loan to XXXX balance. I scheduled it in the usual fashion. I have made large payments to my loan in the past with no issue. On XX/XX/2020 my bank delivered the payment. I didnt think much about it after I saw it had been delivered. On XX/XX/XXXX I realized the payment had still not been accepted. I called my loan servicer on the XXXX. They said they hadnt received the payment, suggesting I cancel the check saying it must be lost. 
Loan servicer is refusing payment on an up to date loan because it is too large of a percentage of the total. I said I wanted to pay off the principal of the loan and that if there were left overs to apply that amount to the escrow of the account. Then they said that I should ask for a payoff quote and that if I did they would be able to accept and apply the payment. All week I waited for the payment to be applied. I finally got a call back on Monday XX/XX/XXXX saying they had refused the payment because I couldnt payoff the account with non certified funds. They asked me to ask for a payoff quote ... I had simply wanted to pay the principal down so I wouldnt get anymore interest applied to the account. Then they used that as a reason to return the funds. I had offered to send an additional certified check for remaining fees left to close the account. 
After holding funds for 24 days they rejected them. Under what situation should a servicer refuse a payment on an account that is up-to date? 
Now they want to change me another month of interest stating they have to charge a full month because of FHA rules. 
How can a servicer refuse to take payments based on rules Ive never seen or agreed to. My loan documents say I can pre pay loan anytime and that it may be held and only applied on the payment due date. That day came and went.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I have a mortgage with Roundpoint. Due to corona virus situation the house is vacant and not collecting rent. I inquired about deferment and Roundpoint offered forbearance with balloon payment after 3 months. This will not help me. I need to add the missed payments at the end of the mortgage or modify remaining mortgage payments.

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 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contracted XXXX XXXX XXXX numerous times to request the deletion of the unauthorized inquiry on my credit report. XXXX stated I had no active account with them to remove the hard inquiry. XXXX rejected my request due to no signs of an open account with them. I didn't authorize this inquiry and I would love for it to be removed on my TransUnion. The inquiry was reported on my credit report on XX/XX/2019.

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 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
This is a Business Purpose loan that was done through XXXX XXXX, serviced by XXXX XXXX. BSI Financial purchased the loan XX/XX/2019. 
I adjust our auto-payment to the XXXX for XXXX because our tenant late was going to pay rent late - due to being laid for the Virus. 
After payment, I got a late fee for 10 % of my typical mortgage payment - because our payment was considered late by the XXXX. I never agreed to a late fee being imposed by the XXXX in my original loan agreement. I also never agreed that it would be 10 % of my payment. 
BSI can not purchase my loan and then change the terms of my loan the have to abide by the original agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Netspend Corporation
State: NJ

Complaint narrative:
I called company 4-5 times about my card never got my got had money in it as well I need to have someone call me immediately I think someone is using my personal information with this companyor company is not sending my card and holding money. Please contact me at + XXXX. 
XXXX Thank you XXXX XXXX customerservice@netspend.com president@netspend.com netspend.com

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 2020-04-13 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: DC

Complaint narrative:
I applied for and opened a Care Credit Card account in XX/XX/2018. I never received the physical card. The card was received and used by an individual unknown to known to me. The individual presented a fake drivers license to complete the transaction. I have provided Synchrony/Care Credit with the appropriate documents for months but they refuse to investigate the claim to the fullest extent otherwise they would find that the transactions were fraudulent and could not have possibly been made by 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 2020-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: FL

Complaint narrative:
I received an email from Professional Bureau of Maryland Inc. stating that I owed XXXX to a gym call XXXX  XXXX  XXXX XXXX and offered a settlement of 50 % if I pay by XX/XX/27. I am not a member of that gym and have not been for over two years. I have attempted to call the gym and this agency and have been placed on hold for a half hour then a request for a message comes up. The gym in question requires that one pays monthly XXXX dollars for attendance and if the member wishes to quit, he or she simply stops showing up. There was no contract other than a liability waiver. This is a scam and they apparently think I would pay for fear of damaged credit and of the hassle of disputing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
Credit Acceptance will not defer one payment and add to end of loan like every other auto loans will do.

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 2020-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX a debt collector by the name of XXXX called me XXXX and left a message. At XXXX that same day XXXX then called one of family members and advised them I have a debt and she called on behalf of a creditor. 

I called XXXX to understand why she was calling me and my family members before confirming whether or not the debt was mine. 

I asked XXXX if I provided the number to the reference she called. 

She said no. 
I didnt confirm the debt nor did I provide any numbers and XXXX reached out to my family by skip tracing information. 

I advised XXXX I am not responsible for this debt and she should not be calling me or more family. 

XXXX was rude and XXXX and I want to be removed from their calling list I also want the company addressed for harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: GA

Complaint narrative:
On XX/XX/XXXX Experian General Counsel sent consumer via email an admonition due to there data breach and cyber security attack ; cause him to suffer from or experiencing now ( Identity theft/fraud ). Consumer met criterion of Experian ADR program provided civil judgment for release of satisfaction ; his Confidential and Personal Information was unlawfully obtain for goods and services by ( XXXX  ) XXXX XXXX XXXX Dept of Social Services ; Department of Social Services ( DSS ) and administrative units of XXXX  Human Resources Administration ( HRA ) and XXXX County Support Collection Unit. There client or applicant XXXX XXXX admonition before XXXX County Criminal Court did impersonate the consumer. As direct result of Experian  Financial Services ; Experian  Holdings ; Experian  Information Systems or Experian  Consumer Services failure to reinvestigate ( 1 ) the erroneous or false reporting of XXXX  account XXXX presented an inaccurate image of my credit worthiness that violated or in violation of Section 1036 ( a ) ( 1 ) of the CFPA prohibits unfair, deceptive or abusive acts or practices 12 U.S.C. 5536 ( a ) ( 1 ( b ). Such misrepresentations as described in above paragraph were false and misleading constitute deceptive acts or practices in violation of section 1031 ( a ) ; 1036 ( a ) ( 1 ) ( b ) of the CFPA 125531 ( a ) 5536 ( a ) ( 1 ( b ) and Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b )  reporting an account more than 7 years. On XXXX XXXX consumer sent certified letter signed by Experian Gen. Counsel XXXX  not contending Debt VALIDATION to date in writing or went unresponsive. As direct result of Experian  Financial Services ; Experian  Holdings ; Experian   Information Systems , Inc ( EIS ) and dba Experian  Consumer Services ( ECS  ) such false reporting of the more than 7 year old ( fraudulent account ) violated or in violation of Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding   Customer  Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach- Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314 invoking Section 19831985 for injunctive relief, restitution and any other relief appropriate.

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 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
today ,XX/XX/2020, I received a notice from Comenity that my interest rate on new purchas es was going up to 2424 % from my XXXX statement rate of 14.24 % .I feel that this is an immoral and unjust increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
ive notice a old address and a false address plus a phone number that doesnt belong to me still appear on my profile. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX is a false address that should be removed XXXX XXXX XXXX, FL XXXX is a old address that should be removed and any other phone number beside my primary number should also be removed from my credit report. my primary phone number 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 2020-04-13 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: NJ

Complaint narrative:
Transunuon continue reporting fraudulent info.When complaint is filled Transunion backs off and reports payment current, a month after again Transunion reports late payments.

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 2020-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have numerous store credit cards through Comenity Bank. I don't have the best credit score, but I make my payments on time every month and have been trying to pay down the balances and making some progress in this regard. Over the past week, I've been flooded with emails from Comenity Bank saying that upon " review '' of my accounts they were lowering my credit limit. They lowered these cards to just above the balance that I owe. And one card that I had paid off, they just went ahead and closed. This has impacted my overall balance-to-limit ratio, or utilization rate, which will negatively impact my credit score as it now looks like I've maxed out all the cards I've been actually working hard to pay down. Here are the cards with decreased limits : Wayfair, XXXX, XXXX, XXXX, XXXX XXXX. This is the card they closed out because I had a {$0.00} balance : XXXX XXXX. As I said, I make payments on time on these accounts always. It appears obvious to me that this action has been taken due to Comenity 's fears of nonpayment during the coronavirus epidemic. This seems to be an unfair and unethical practice to me because my already less-than-stellar credit score is going to go down even further because they've lowered all these limits and closed account ( s ). From looking at chat message boards, this is happening to a lot of Comenity 's customers. I tried to call to express my concerns but the agent had no information, just reading from a script.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13 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: OK

Complaint narrative:
Experian and XXXX  should not be reporting a repossession on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I initially purchased this vehicle and turned the vehicle back within the time frame allotted under the Lemon Law because the vehicle was defective. The mechanics at the dealership tried to fix the issues but were unsuccessful so I had no choice but to give the defective vehicle back. I no longer have the vehicle and this false reporting of a repossession is seriously harming my credit score. I have contacted XXXX XXXX  as well as the bureaus to remove this line item from my credit report however, I have not been successful.

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 2020-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Transunion removed the original account which wasnt mine and replaced it with a collection account that has a payment date that didnt match what the original creditor stated. XXXX  XXXX was removed lvnv funding remained

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 2020-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
ARS Account resolutions are forcing new to make payment on a debt that is not mine to begin and that I never received emergency service ambulance from any company they threatened to damage my credit despite the fact I send them information that I did have insurance so there is no way your were not paid for service if it were true I fax them the document but they end up sending to collection for something I am unaware or know about it on top I have health insurance. Amount is {$460.00} or emergency service that I never received or was sick. I dispute with XXXX  they still kept the collection while all other credit report agency XXXX XXXX and XXXX  removed the collection.

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 2020-04-13 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: OK

Complaint narrative:
XXXX  and Transunion should not be reporting a repossession on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I initially purchased this vehicle and turned the vehicle back within the time frame allotted under the Lemon Law because the vehicle was defective. The mechanics at the dealership tried to fix the issues but were unsuccessful so I had no choice but to give the defective vehicle back. I no longer have the vehicle and this false reporting of a repossession is seriously harming my credit score. I have contacted XXXX XXXX   as well as the bureaus to remove this line item from my credit report however, I have not been successful.

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 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
I want to apply for mortgage forbearance due to unemployment from COVID-19. The company SunTrust allows forbearance but a lump sum payment is due at the end of the forbearance period. This is silly, If I had the $ to pay a lump sum I would just continue to make payments. Where is an unemployed worker suppose to get a lump sum? Unemployment benefits are significantly delayed and are only a fraction of my normal payroll. 

This is predatory lending because they say we will see if you qualify for a re-finance afterwords. Really, another loan application with all the closing costs associated with that. This is not fair or should be illegal if the US govt. is going to help the mortgage companies to get through the forbearance period.

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 2020-04-13 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$1100.00} XXXX XXXX {$680.00} XXXX XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: HI

Complaint narrative:
I am experiencing financial hardship and requested a loan modification as a result of the COVID 19 crisis and request my mortgage service lender ROUND POINT MORTGAGE to reduce my monthly payments as outlined in the CARES ACT and XXXX XXXX covid disaster relief fund. 

I am not interested to postpone or delay my monthly mortgage payments. Round Point ( LOAN # XXXX ) is not working with the loan investors XXXX XXXX to reduce my APR and reduce my monthly payments to assist me to stay in my home and continue to make affordable monthly payments as I have requested a hardship loan modification.

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