vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In XX/XX/2020, I was on a forbearance plan with Citizens One. They offered me a loan modification to put my missed payments on the back of the loan. I called every month because my bill did not reflect that the payments had been put on the back half off the loan yet. I was assured every month that I was approved and even received the {$250.00} gift card for XXXX that I was promised in the letter in XX/XX/2020. In late XXXX, I received a letter stating, that Citizens had made a mistake and that the terms of my current loan did not allow for the modification. 
I am wondering if, this is legal, and also why did it take 9 months to deny me. Also, I have been told that this is normal to happen, and that ( after 9 months of thinking I am ok with payments ) I now owe {$12000.00} to catch up my mortgage. I was given the option to re-apply for a modification ( which I did ) but I have heard nothing still. I have called several times and can not seem to find anyone that cant tell me what is truly going on. 
Citizens loan # XXXX Estate of XXXX XXXX, C/O XXXX XXXX XXXX XXXX have also sent them al documentation showing that I am executor of the Estate etc )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: IL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OR

Complaint narrative:
Specialized Loan Servicing ( SLS ) is claiming my loan is delinquent when it is not and I am still in the 60 day RESPA new loan servicing window. 

Upon closing our refinance of our mortgage with XXXX XXXX on approximately XX/XX/2021, the loan was established for servicing with XXXX XXXX XXXX ( XXXX ). XXXX sent us a request in early XXXX for first payment due XX/XX/2021. I submitted a payment that arrived on XX/XX/2021. This payment was applied as a principal-only payment by XXXX, XXXX I did not requested it as a principal payment and sent it to the address for standard monthly payments. On XX/XX/XXXX, I requested the payment be reallocated to a standard mortgage payment of principal+interest for XX/XX/XXXX due date. 

I received notification in the postal mail from XXXX that my loan was being transferred to Specialized Loan Servicing ( SLS ) from XXXX on or about XX/XX/2021. On or about XX/XX/2021, I received a noticed in the postal mail from SLS that my loan had been transferred to them for servicing. On XX/XX/2021 at XXXX a representative from SLS called me to inform me that my loan was delinquent with them. I would not speak to them on a recorded line, so they requested to call me back on an non recorded line. At this time, they have not contacted me again. I am aware that under RESPA I have 60 days to make payments to the original processor of the loan, and the loan is not considered delinquent until 14 days after the due date. This behavior is abusive and misleading to consumers.

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 2021-11-04 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: IL

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following accounts. Ive been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
I have contacted Harris and Harris Limited ( XXXX ) numerous times to ask them to stop calling my number because ( 1 ) I have no debt collection issues with them or anyone and ( 2 ) there is no other person in my home at this phone number. Each time they stated they would remove my number from their data base ; however they continue to make frequent Robo Calls regarding debt collection and XXXX XXXX programs. 

I have never been the subject of any debt collection activity related to this company or any other debt collection entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SERVICEMAC, LLC
State: CA

Complaint narrative:
We closed our refinance loan on XX/XX/2021 and the disbursment was on XX/XX/2021. The payoff was made to ServiceMac, who just took over the loan from XXXX. The transfer from XXXX to ServiceMac was not a smooth transfer as ServiceMac did not have our information or allow us to even make a payment on the loan for about 2 weeks after the actual transfer date in XXXX. We were informed by ServiceMac that they were not legally allowed to charge 'any ' kind of late fees for 90 days during this transfer in servicing of our loan from XXXX XXXX Our refinance just so happened to be during this transfer period. On the closing documents of the loan, it is clearly stated that there is a 'late fee ' being paid to ServiceMac of {$180.00}. This fee needs to be refunded to us immediately. 

We were also charged a fee of {$220.00} for an 'Affordable Housing Fee ' which we are requesting to have refunded. This fee is charged when there is no XXXX Cover page added to the deed. We will gladly fill out this one page document to save that {$220.00}. 

We were told by the loan originating company, XXXX XXXX XXXX, to file this complaint to you, as these matters are taken very seriously. XXXX was very helpful in the loan process, but did say that they could not resolve this matter without your help. 

Thank you for your time and advice in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MA

Complaint narrative:
Re : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX MA XXXX Phone XXXX On Friday, XXXX XXXX I got a text from Chime asking if I had changed my Password. I call Chime and informed them that I had not and that all the transactions that had just taken place were not mine. 

The hacker had gained total control over my acct. changing all my information. Thus blocking me out of my own acct. 

Chime requested I submit proof of my identity which I have over 12 times as of today. 

The only communication chime has had with me is me calling them and requesting they address this issue and replace the XXXX taken from my account. My email go unanswered. 


I have submitted all the information they have requested but as of today I am still locked out of my acct and have no money. 

Please help me get my money back. 


Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO

Complaint narrative:
I sent the money to my sister in XXXX on XX/XX/XXXX to have been received in XX/XX/XXXX. When she cashed the money A mistake was made on her name listing her both as the sender and receiver and we have not been able to receive the money ever since. We called, 14 times. Conversations were recorded. I filed an online complaint on XX/XX/XXXX and XXXX and as today XX/XX/XXXX. I do not have a response. They are holding my money hostage which was desperately needed by my sister and are not telling us why the money is being held, complaints are not being answered and they are hanging up on us when we call. They are also refusing to refund the money. MoneyGram is being careless with our needs and refusing to solve an issue caused by them. They are also refusing to tell us what is wrong with the file and why the money is being held. I am just looking my funds to be released and I would like other to know that this is company is not safe if you need to send money. They do not care about its clients wellbeing and mental health. They do not adhere to the practices they post in their website and do not respect the law or consumers. XXXX forbids there is a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Tracking number : XXXX. 

Damaged goods/package, that was scheduled and paid for to be shipped from the US to XXXX in XXXX. It was never ever received or delivered to the recipient, instead retained to the US after 1 month totally damaged, broken and fallen apart, while XXXX is trying to now charge me a the returned goods. The cause me damages for over {$3500.00}. Sending over 10 emails, placing phone calls and formal complains, the reps hang up on me and totally disregarded the issue. I want to sue them for damages and for them stop collecting on something that they are actually responsible for!! Now XXXX is send {$1600.00} to the collection agency by name Transworld Systems and trying to collect on the shipping charged than I never asked for and for the package that was damaged.!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
I incorrectly disputed a credit card charge from XXXX XXXX  XXXXs aka XXXX in XX/XX/2021. On realization it was my mistake, I contacted my credit card company in XXXX to release the payment. Unfortunately, this release was not processed until XX/XX/2021, and XXXX received payment according to the credit card statement on XX/XX/2021. 

On XX/XX/2021 I received a notice from a debt collection company called McCarthy , Burgess & Wolff, address The MB & W Building, XXXX XXXX XXXX, XXXX, Ohio XXXX. I contacted them by telephone on XX/XX/2021 about XXXX, and told them that the invoice had been paid. I emailed to their customer services email address with proof of payment shortly after speaking to a representative. I also sent to both XXXX  and MB & W a  letter stating I disputed the debt as it had been paid, and provided a copy of the payment from my credit card statement. On XX/XX/2021, I received another letter from MB & W saying that the debt was due. I called them the next day and spoke to their customer services. They informed me that the account was " closed '', indicating that it had been settled. 

This morning, XX/XX/2021, I received a call from XXXX XXXX XXXX saying I owed payment. I told them that I did not. They did not provide any evidence that the debt was due.

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 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
My client requested our services to help them with credit reporting errors and debt collections. My client had submitted a fax through our office for a collection activity from Convergent Outsourcing. This letter was sent on XX/XX/2021. Please see fax confirmation and letter attached. 

As of today XX/XX/2021 my client still has not received a response as allowed under the FCRA. Under the FDCPA regulations the collection company Convergent Outsourcing is in violation for failure to reply to my clients lawful request. 

This incorrect reporting is causing damage to my clients credit on all three credit bureaus. 

on XX/XX/2021 my client called Convergent Outsourcing at XXXX. Customer service representative claimed they could not find his information when giving his last four numbers of his social security number, last name, phone number. Than the representative just hung up on him once requesting why no response since sending his letter on XX/XX/2021.

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 2021-11-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are several fraudulent names and addresses on my credit report. I sent letters to Experian, XXXX, and XXXX to remove the fraudulent information in order to prevent identity theft however they have not responded. 

My credit report should accurately reflect who I am and having multiple names and addresses on my credit report is a form of identity theft seeing as how I never gave written permission for any names or addresses that are not mine to be on my report I have attached a copy of my identification which contains my only name and address. I can not have more than one address or name as I am only one person.

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 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello again this is XXXX XXXX - would just like to report that the gentleman who had been handling the whole stop payment thing has not returned the funds despite being informed ( I believe ) that he had until the XXXX of this month to get it resolved. We went to a Bank of America branch yesterday to speak to someone in person, and the gentleman who helped us had also tried to contact XXXX XXXX and like us was immediately sent to his voicemail. 

We will be returning today to see if an email that was sent by the person helping us was responded to, but at the same time we are out of time. I would like to make you guys aware that my father, XXXX XXXX, had passed away at XXXX XXXX  last Monday. We really need the {$2800.00} credited back to mine and my father 's joint account at XXXX ( I will probably become the primary account holder of that account, I just need to supply XXXX with a copy of the death certificate ) because we need it to go towards funeral costs and everything else we need to survive. 

Thank you.

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 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
Credit Reporting Agencies and Collection Agencies violated the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: UT

Complaint narrative:
o whom it may concern, The reason of my dispute is that I do not feel like my credit should be penalized because I was never notified that my payment had gone up from XXXX to XXXX  for the XXXX payment.. After I talk to someone I sent XXXX more and they put it into the escrow instead of putting towards the actual payment. I spoke to someone else on the phone and paid the XXXX with my bank account and then on XX/XX/XXXX I spoke with someone and she told me that my payment was 1947 and I only had sent XXXX so I paid her over the phone the XXXX I already sent an extra XXXX on the XXXX to cover the XXXX. I will attach proof of payment to see what I am talking about. Also the way I found out is because I checked my credit report and that is how I noticed that it was affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I can not use my card that they sent me TWICE!! When I got my bill it had chares that I could not and did not make, because I can NOT use their card for 3 MONTHS The ONLY charge I made was for {$42.00} on XX/XX/XXXX BUT my bill is for {$180.00} I called the bank, spoke to a rep. XXXX, who told me NOT to pay my XX/XX/XXXX bill, and pay next months bill! " NO INTREST AND NO LATE FEES ''!! I got this months bll WITH A {$25.00} LATE FEE, and {$11.00} INTREST They have charged me INTREST on ALL of my bills for the past year even if I pay on time. YOU have my permission to check!! I hope that you will CITI CARD IS RIPPING PEOPLE OFF!!! I hope thet you post this so other CITI card people will check their bills too!

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 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Credit Reporting Agencies and Collection Agencies violated the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX my girlfriend had auto accident and needed to replace her totalled car and I was looking to purchase one myself so we went together to XXXX XXXX to possibly purchase our vehicles. 
XXXX found the exact same car she had and was already decided. I found a XXXX XXXX XXXXi XXXX used with only XXXX  miles and in mint condition which they priced XXXX $ and I was sold. I am a XXXX XXXX and was told they gave low interest loans to veterans at 2-4 % interest with documentation from the Veterans Affairs. Even after the down payment the vehicle was more than the listing and had supposed to have a veterans interest rate of 2.6 % at XXXX $ per month for 72 months. Having to wait to have car over weekend and papers drawn up and signed it went unnoticed until the end of year statement which read I owed XXXX on the car. 
I immediately called the dealer and Capital one auto and showed them and having paid on time the whole year wanted a correction on the contract to the 2.6 APR and capitol One refused to refinance the loan and said Find another lender. The XXXX XXXX XXXX  was at about XXXX. 
I began looking for other finance options and along came the new year it's now XXXX and the car is now ten years old with about XXXX miles and in mint condition but with a 26percent APR still. 
There are no auto finance companies that will refinance the vehicle if it's ten years old or more. Now I'm stuck with the loan and taking a major hit never making headway on the loan. 
Late summer XXXX the car began having engine and electric issues and had less than XXXX miles on it but broke down regularly stranding me several times. The engine warrant void at ten years and was unable to afford added warranty as the car was over ten yrs. The car eventually died and sat in the driveway with a blown turbo and computer chip and electrical shorts. At XXXX miles I refused to pay as could not repair or refinance or even sell. 
Capital one repossed the car a day before XXXX and sold it at auction for XXXX and said I owe an adjusted remaining amount of XXXX XXXX For a car that was unable to drive and costing me a fortune they would not fix or refinance or trade toward another vehicle. This vehicle is still showing on my credit report as in collection for XXXX as a negative and repo. There were no offers to settle the debt or attempt to reconcile. My credit and ability to purchase a vehicle are severely hampered and ties up my available credit limit. This is a nitemare even today and being on fixed income and XXXX  it set me back financially. I would like to see this addressed as I should have been protected by lemon laws and an incorrect loan agreement that had me pay over twice the cars value.

Company response to consumer: Closed with explanation