vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The problem over these lasts days me and my husband have been trying to do a settlement but it seems that they don't take it serious as they seem to take our personal financial problems as some kind of joke like for example when the supervisor asked my husband why did he wanted to help me with my debt and he responded because she's my wife the supervisor just did a quick mock laugh and obviously after telling the representative the situation that we are in and hearing him doing a quick mock laugh it just made us feel so bad and sad because we are going trough a hard time already and been treated like that by someone that is supposed to treat us with respect but instead get treated the way we got treated we just felt taken as a joke, Also I feel that the way and tone that they ask their questions is not very good as I could say and no other person should be treated like we where during that call, we've also made three calls before that one and one after that one that is a total of five calls that me and my husband have been trying to tell them to please remove me from the XX/XX/XXXX phone line and that I would like to speak to a domestic representative, I've made myself too clearly with them but for some reason they just say that they have done it and I feel that they they have just put a note on my file to speak in XXXX because when I called for the forth time we were told that they where not domestic and when my husband called last time to XXXX XXXX her direct number XXXX and asked her twice if she was a domestic representative she tried to cover herself saying that she was someone that could help me so my husband had to ask her like two or three times I don't remember how many to be honest and she said the same thing and them said that she was not domestic or as I remember can remember I've just been trying many times to get a settlement offer of {$450.00} to settle in full as a one time payment with someone serious that could really help us because I'm not sure if they're even saying the truth to me since I've caught them trying to lie to me and my husband or if the last deal is really the last because I know that they can go lower considering our situation and the fact that we feel not treated serious makes me feel unsecure to deal with Midland, also I don't know why I was put in the XXXX  line first of all, It may be because of my name but I want to make clear that I'm not soo good with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I am on the phone daily with this Ally auto. I am unable to get anything resolved due to representatives, supervisors and managers hanging up on me. I have asked for corporate assistance and have received none I've waited days for callbacks and just need a resolution. I made a payment it was applied to interest only to which the manager XXXX at extension XXXX advise me their payment processing center is allowed to apply payments anyway they see fit. I made a payment which was withdrawn from my bank account and offered to show bank statement even provided the confirmation number through the website and my bank to which I was told does their company no good I need to dispute it through my bank. This is all caused a 30 day late hit on my credit and over {$100.00} in late fees. All I want to do is pay this loan off and not deal with this company again. I need the 30 day hit removed from my credit so I can do this. Ally continues to tell me to dispute it through the bureau and if I had any faith in the company I would do it but I don't.

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 2020-11-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was hesitant about filing this complaint because I want further errors to appear on my credit. That said, my name is XXXX XXXX XXXX not XXXX. I have submitted a copy of my birth certificate, drivers license and social security card and Experian credit bureau continues to report 10 INCORRECT SPELLINGS OF MY NAME!! This is very frustrating because i also have 7 accounts on my credit along with addresses that are not associated to me and after 3 years ... ... the information remains on my credit. I also heard of stories like this and it hit home when I discovered it was happening to me. I have filed a complaint with the CFPB AND THE FTC. I hope the matter gets resolved soon. I want the following names and accounts removed from my consumer credit report XXXX XXXX XXXX- I don't have a middle name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts have been placed on my credit in ERROR- they were not originated by me XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account XXXX XXXX Desired Resolution : Correction to a credit report Desired Outcome Remove in correct spellings of my name and DELETE/REMOVE unknown accounts and addresses

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 2020-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I want to file a complaint against Cross Country Mortgage, which is denying my right to have specific reasons in writing why my mortgage application was rejected, including the information that the underwriter did not consider my second source of income, which made me ineligible for the amount that I applied for it. 
Cross Country Mortgage asked the sellers for an extension date on my current Purchasing Contract until XX/XX/2020. However, the mortgage company did not have my file ready on that day. 
The same office requested me to pay off {$7800.00} in debts on XX/XX/2020, only five ( 5 ) days before the closing date as a condition to be approved. However, when I informed Mr. XXXX XXXX that I did not have the resources to pay that debt, he informed me that there was no anything else to do regarding my case. I sent an email requesting to Cross Country Mortgage the document stating that my loan would not be approved because the underwriter did not consider my second source of income, which directly affected my debt-to-income ratio. 
In response to an email sent to Cross Country Mortgage on XX/XX/XXXX requesting my document Mr. XXXX XXXX, Non- Originating Branch Manager responded that the company " is in the business to close loans not deny them ''. 

I believe that any company is in the business to approve deals and have profit, however in this case if my application can not be approved it is my right to have a letter stating the reasons. 
According to the information received from the Mortgage Lender the reason was that the underwriter did not accept my second income, and that should be included in the " Denial Letter ''. 
I was extremely diligent working with this company proving documents, pay stubs, letters, replying to emails, and doing everything to meet the contract dispositions and the deadline. As a consumer, I can not be penalized for losing my escrow money, since my Purchasing Contract is contingent on the approval of this loan. 
On XX/XX/XXXX Cross Country Mortgage documents such as all my assets to close " the deal '' and proof that I paid the debits they requested. They knew I would make a complaint to the appropriate agencies, so they are trying to " cover-up '' things that have been done wrong. Seems to me that they did not read all my emails saying that I don't have the resources to pay those debts in full right now, which again was a complete change made by Cross Country Mortgage on its criteria since they pre-approved me. 
I am under the impression that this company is not acting in a good faith doing business and this is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have had a perfect payment history on accounts of mine for the past 17 years. I have had an account with Bank of America for over two years now and back in XXXX, the listed that a payment was past due between 30-59 days. I understand that the payment was late but what I don't understand is why i was never reached out to and notified. I am enrolled in paperless statements per their constant asking so I didn't receive anything in the mail from them and checking my online account, their is no " notifications and Letters '' available. 

What happened was I was enrolled in the auto pay program that paid a payment of {$50.00} per month to cover the minimum payment of {$32.00}. XXXX as of XXXX ) On XXXX my payment went up to $ XXXXmo due to purchases that I had on the card. I had the understanding that my payments were set up to pay my minimum payment like all my other credit cards that are in good standing but I was incorrect and it was set for a fixed payment of $ XXXX/month. 

On XXXX My account was {$70.00} past due ( unnoticed ) bringing my payment to {$140.00}. All the time thinking that I was automatically paying the monthly payment and not a fixed amount. 

On XXXX my past due amount was {$160.00} with a current payment due of {$160.00} bringing my payment to {$320.00} Currently my wife and I are looking to move to a rural area in Missouri for a new job opportunity. Since their is no rentals in the area, we are looking to be new first home buyers. Due to this ( in my mind ) massive misunderstanding, my credit score has dropped over 80 points and we no longer qualify for a mortgage. My report has been marked for the month of XXXX as 30-59 days late on a payment when I indeed was making payments but unknowingly making a fixed payment and not, what I thought, was the true minimum payment. My wife is also 6 months past her turn in date on her leased vehicle due to Covid-19 and she is in desperate need of a reliable vehicle so she can take proper care of our XXXX year old. 

I have tried so hard to keep in good standings with all creditors that I owe and I have never been just, left to deal with it? I didn't get any positive response from BOA and rather just told that it is all my fault and I should have paid my bills. Please please please help [ me get this removed from my credit report and have my payments properly restored to paid and on time. 

since all of this has occurred, I have paid down my balance from almost {$4000.00} down to under {$400.00} and the account will be paid off at the end of the month to {$0.00}

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 explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Ive sold a gold necklace through XXXX. Bought by XXXXXXXXXXXX  ( XXXX XXXX Order number : XXXX, Order placed on Friday, XX/XX/2020. Payment method PayPal Payment date Friday, XX/XX/2020 Transaction amount {$1300.00} USD Transaction ID XXXX I've shipped the merchandise, received confirmation of delivery in XXXXXX/XX/XXXX on XX/XX/XXXX. On, XX/XX/XXXX. Ive received an email of the buyer, stating that //XX/XX/XXXX- Hi XXXX I did finally receive the package today. My adress to XX/XX/XXXXXXXX  is just my US mail adress, and XXXX XXXX  is a shipping company who specialize in shipping between the US and the XX/XX/XXXXcountries, I live in XXXX - XXXX. That is why it took longer time before receiving it. I haven't opened the package, because I can feel that there is nothing inside. When we use a touch to light throgh it, can we see that there is only a paper there, no necklace '' // ( transcript of email exchange ). I questioned about it, for I had received the confirmation of delivery and questioned for I had sold a piece to XX/XX/XXXX not XXXX. She immediately placed a hold on the payment made through PayPal, even without disputing anything in XXXX. On XX/XX/XXXX I've escalated to the PayPal to resolve the issue. And made a complaint with FTC, made an IC3 Report as well, requested confirmation of delivery from USPS, and all the mentioned documents where sent to PayPal. The decision was made in XX/XX/XXXX, in favor of the buyer, and I've appealed immediately, having the decision reverted in my favor in the same day, and was told the credit would appear on my account in few days. On XX/XX/XXXX I got in touch one more time, for the credit still was not showing on my account, and was told that I had lost. That the decision was for the buyer. I once again questioned the decision, and explained, that I had not entered an international contract, and if I had the desire to sell to international buyers I would have opted to do so in XXXX, and that the buyer used of bad faith, when purchasing the necklace, knowing that she would have the merchandise exported in my name to XXXX, without my consent, that my part of the agreement I had entered into, was accomplished, I have proof from the USPS of the delivery of the goods, and that any responsibility she has assumed in forwarding the merchandise overseas, was not of my responsibility. But no one listens, or reads the documentation sent. I've requested even to speak with the Ombudsman, which they never gave me the contact. I still tried contact with PayPal over the phone - more than XXXX hours waiting - send messages on XX/XX/XXXX, XX/XX/XXXX. They promised to get back but it is not working. 

PayPal Case Not as described - claim Case ID : XXXX The buyer reported that the item they received wasn't as described. Weve placed a hold on the transaction amount until this case is closed. 
You escalated to PayPal Please I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Bank 's manger compiled the attached table. Red ( Misapplied????? by Navient ) are still missing and totaling $ XXXX-which is unapplied/misapplied by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Comerica
State: MN

Complaint narrative:
On Friday XX/XX/2020 I reported my Debit Card as lost to U.S. Direct Express. 

U.S. Direct Express of XXXX XXXX, Texas is the default debit card provider for Social Security Administration benefits. 

I needed an urgent replacement card so I requested an urgent expedite mailing fee of {$13.00} plus a card replacement fee of {$4.00}. 

As of XX/XX/2020 no replacement U.S. Direct Express debit card had been sent. 

I called U.S. Direct Express at XXXX to ask why my replacement card had not been sent correctly. 

When calling U.S. Direct Express their customer service did not provide me an option to talk to an agent over the phone & they informed me that my replacement card had been sent out on XX/XX/2020 instead of XX/XX/2020 like I had ordered. 

This is Fraud. I was charged {$13.00} & as of today XX/XX/2020 my replacement U.S. Direct Express has not arrived. 

This outrageous & very upsetting. My bills for the month are overdue & I face potential late fees or suspensions in service due to the negligence of U. S. Direct Express. 

I am not happy with U.S. Direct Express. In the past U.S.Senators XXXX XXXX & XXXX XXXX who claim to care about Social Security Administration issues refuse to handle U.S. Direct Express complaints. 

U.S. Direct Express is unaccountable & misconduct complaints are not effectively handled. 

Consumer Financial Credit Bureau Please help me & other Social Security Recipients who suffer from U.S. Direct Express complaints like this one. Thank you. 

Respectfully Submitted, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Had pandemic forbance due to wife not working. Wife still not fully back to work. Mr cooper sent someone canvassing my neighborhood looking for us to hand deliver a notification saying our forbance was up, yet the still left it in the mailbox. Mr cooper has no right to have someone bugging out neighbors looking for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am tired dealing with the same thing. The bureaus have a inaccurate, unverified and fraudulent public record on my consumer report. I have tried to fix this matter on at least 3 different occasions. I have contacted XXXX XXXX and they removed it ( See attached files ). I have contacted the court and they said they dont report info to the bureaus ( See attached ). Lastly I filed a complaint with the FTC ( see attached file ). I am really exhausted at this point.

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 2020-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In 2015 I was involved in an accident, which resulted in my vehicle being deemed a total loss. On XX/XX/15 my insurance company, XXXX XXXX , paid Regional Acceptance Corporation {$12000.00}, the fair market value. Any deficiency was covered by my Gap Insurance with XXXX XXXX XXXX. 

I received information my account was paid in full. However, it is currently showing up on my credit report as a chargeoff with numerous late payments. This is inaccurate. 

I've requested a full accounting record from Regional Acceptance, and disputed this matter with the credit bureaus requesting this inaccurate information be completely removed from all credit bureaus. To date, I have not received a full accounting record of all charges, and the information is still appearing as a derogatory mark on my credit reports.

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 2020-11-05 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: MI

Complaint narrative:
I am tired dealing with the same thing. The bureaus have a inaccurate, unverified and fraudulent public record on my consumer report. I have tried to fix this matter on at least 3 different occasions. I have contacted XXXX XXXX and they removed it ( See attached files ). I have contacted the court and they said they dont report info to the bureaus ( See attached ). Lastly I filed a complaint with the FTC ( see attached file ). I am really exhausted at this point.

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 2020-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i personally submitted this request to all three credit bureaus. I went to XXXX XXXX in XXXX XXXX to apply for a lease and was denied due to accounts reporting negative on my credit report that are not mine. I saw on my credit report these accounts that are not mine as follows : ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX ). I never opened these accounts, nor did I authorize anyone to do so. These accounts are not mine, and I never possessed any goods, money, or services from these accounts being opened. I filed a police report with the XXXX XXXX Police department, as well as adding a fraud alert to my account.

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 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
I modified my preexisting ACH automatic enrollment on XX/XX/20 to increase my principle payment. When modifying, the disclosures stated it would take affect XX/XX/20 as it was within in 3 days of my scheduled payment. 

I received a message in my online account message box that the information was set up and would begin XX/XX/20. 

I received a letter in the mail stating it was set up for XX/XX/20. 

When I click on my payments online, it shows an effective date of XX/XX/20. 

What actually occurred, it didn't set up the XXXX payment, canceled my already scheduled with ABSOLUTELY no notification or disclosure. When signing up for the modification, nothing states it would cancel an already set up payment and that I must not go in and do another payment. 

We did this same process on XX/XX/20 with no issue. When I contacted both the chat and the XXXX #, I was told 15 days for set-up ( different from the 3 days stated on the website ).

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