vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
My mortgage was purchased by a lender ( XXXX XXXX ) other than who I orginally used for financing. That lender then contracted Loan Care to sub-service the loan. That was approximatley a month and a half ago. I have yet to recieve a welcome packet or any statements. After 4 hours of my life wasted, I was finally able to get something with a pulse on the phone. That person provided me with my account number and adivsed she would be mailing and Emailing a statement. I have yet to recieve either. I was able to set up and account online. Today, I attempt to make a payment and the login credentials that I set up are not being recognized by the site, nor are the temporary passwords they provided. I have been on hold for over an hour waiting for someone to pick up the line. I just want to make a payment .... 

UPDATE : I reached someoen who prompted me to do set up a new account. That did not work either. He then tole me he had never ran into this before and to call back after 5?? Maybe the intelligent folks work the late shift? 

My payment is due today. Ive yet to recieve anything from the company and have no way of making the payment despite every attempt.

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 2021-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: NJ

Complaint narrative:
Hello, I have tried on numerous occasions to get this debt removed. It doesnt not belong to me. I am a victim of identity theft. Police Reports were filed and there is a note on my credit bureaus as well as with the FCRA. Kay Jewelers ( XXXX ) has been trying to collect a debt from me that I do not owe. I have provided my ID, place of residence etc and asked them to provide me with this collection info to no-avail. This is sitting o not credit report and making it difficult for me to obtain things that I need. I am livid! How does one allow someone to get credit under someone elses name with our actually providing the correct information?? 

I need this collection item removed upon receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
I am making a complaint against Rushmore loan Management Services LLC. I have a 30 years fixed mortgage. I applied for a loan Modification three times over 3 years and I was turned down every time. I am suffering in this Pandemic and Rushmore would not offered any type of Resources. I am a XXXX year old woman, I need my home to live. Rushmore is very discriminative over people that having Hardship in the Pandemic or need a Modification. The Covid-19 pandemic had brought hardship and Rushmore can not help with providing Resources with good outcome, this company is very misleading. Rushmore will never approve you. I felt discriminated against because i am a home homeowner and need help to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
it's my right to have accurate items reporting on your credit report and XXXX and Transunion have not done that in two months

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 2021-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: MO

Complaint narrative:
This company has contacted me with fraudulent information serval times. I have documentation showing that i have payed all my medical expenses dealing wit XXXX XXXXXXXX XXXX, which has transferred my cases illegally without my consent to americollect. In documentation It shows XXXX dollars was paid to cover all of my medical expenses considering that XXXX. XX/XX/18 All debts where paid My Laywers have been contacted apon this request if not handled in timely manner

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I keep an online savings account with Ally bank. For more than a year now, I have had same-day transfers and I utilize the feature several times a month. For no reason in particular, Ally failed to make two XXXX transfers I requested and also a XXXX - show normally instantaneous - then also froze my account. 

Ive called more than 5 times now. 

I am a self-employed single parent who just XXXX my foot. I moved as well. I have a XXXX XXXX XXXX for whom I need access to this money so that I could childproof my new apartment, buy supplies and do any number of normal every day things when you move. 

On my first initial phone call, representative advised me that I made a transfer to a closed account that I have. However, in reviewing the set up of my account myself, I see that there is currently only one option available for transfers and that is my active XXXX checking account. The same is true for XXXX - there is only ONE recipient available! 

My experience as both an accounting professional and just an intelligent commonsense individual, it looks like their computer systems have malfunctioned, again. 

Because of their mistake, they took away my same day transfer of cash and Im now stuck with my funds in limbo, having left their account but not yet in my checking with XXXX, which is now overdrawn by more than {$1000.00} across two accounts. 

XXXX, whom I just spoke to in Loss Prevention claimed all supervisors were in a meeting so there was no one higher to help. This is a computer issue and she cant override it.

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 2021-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I received a Visa debit card in the mail on XX/XX/2021. 
Somehow, its connected to " U.S. Bank Reliacard. '' I did not request this card. I have no idea why I received it. 
I am and have been retired for several years. 

I attempted to call U.S. Bank at the complaint number listed on the back of the card,XXXX. Also XXXX. However I had to enter my Social Security number in both cases, so I hung up. 

I went to a U.S Bank branch Office on XX/XX/2021, in XXXX XXXX, Illinois. I spoke to an Officer about the card She checked on line but was not able to find any information to access. She could not find what entity issued the card. 

She advised me to contact your office since you are listed in the letter that accompanied the card. 

The Card was not activated by me. The Bank Officer advised me to destroy the Card. I cut the Card in half. 

Earlier this year, someone filed a claim with the Illinois Unemployment Department for benefits. and the letter indicated that benefits were rejected. I filed a complaint with the Federal Trade Commission. No further action was taken. 

I don't think its covid 19 stimulus check related, since my wife and I received those checks through the mail. 

I enclose a copy of the letter received with the card attached.

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 2021-03-01 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: Sequium Asset Solutions, LLC
State: OR

Complaint narrative:
This company has called me on several occasions. In XXXX alone, they have called on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. 

Last week when I spoke to a person, they refused to tell me what the call was about and were asking for my personal information including birthdate and part of my social security number. I have specifically asked them to stop calling me and to take me off of their list. 

Then on XX/XX/XXXX at XXXX, I received another call, and it was silent on the other end when I answered. They eventually disconnected. 

Recognizing the number, I called back in frustration. The automated recording said it was about a debt that I am unaware of. I eventually spoke to an agent and requested again that they remove me from their list. 

The repeated calls are a disruption to my day. I am a business owner and answer my phone more than most people and this is highly aggravating. 

Thank you for taking the time to receive this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: Gurstel Law Firm, P.C.
State: FL

Complaint narrative:
On XX/XX/XXXX I applied for a mortgage preapproval. 
On XX/XX/XXXX I heard back from the lender that I had a collections account with XXXX XXXX XXXX in excess of {$11000.00}. 
This was the result of a Lease ( New ) I obtained in XXXX, that I later had to voluntarily surrender due to job loss. 
I contacted XXXX XXXX XXXX and spoke with XXXX regarding making a payment, setting up a payment plan, or some other arrangement so that I could obtain a mortgage after having this removed from my credit report or reporting at {$0.00}. 
XXXX informed me he had to email the attorneys and find out if they can take a payment or set up a plan. 
After a weeks time, I called again after not hearing back. XXXX sent a 2nd request to the attorneys. I then asked for the attorneys information so i could contact them directly. 
After several tries, I was able to connect with XXXX XXXX at Gerstel Law Firm who informed me they were sending my file back to XXXX XXXX XXXX so they could work with me directly. I then contacted XXXX who informed me is was no longer able to discuss this with me, so I asked for his supervisor/manager, which then put me in touch with XXXX XXXX At XXXX XXXX XXXX. XXXX informed me he escalated my request and should hear back in a few days. I think left XXXX a message a week later, where he informed me my file was being returned to the attorney. Since then I have called and left messages with XXXX XXXX at Gerstel Law Firm Daily, asking for her to call me so we can set something up to clear this collection from my credit report. I have not heard back once after 8 plus messages over the past week and a half. 
My credit report was inaccurately updated with the collection initially having a Closed in XXXX Status to now having a Closed in XX/XX/XXXX status. 

I have gone out of my way to work with both XXXX XXXX XXXX and their Attorneys at Gerstel Law Firm to either settle this debt for a percentage of what was owed, make monthly payments, or pay it in full if that is what they require and have not had one person give me a solid answer or even be willing to work with me toward a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: TX

Complaint narrative:
Equifax ; XXXX and XXXX  should not be reporting that I am ( 90 plus ) days late on the XXXX - partial account number XXXX. I set up automatic payments on this account and the bank did not run the payments correctly on the scheduled dates for payment. Consequently, this banking error caused the account to go late and the account was then reported to the bureaus as being past due. The bank acknowledged these errors and refunded the fees associated with the lates. ( I have also attached a copy of the letter from XXXX XXXX XXXX verifying that I had in fact enrolled in the bill pay services on XX/XX/2020 for XXXX XXXX ) I have contacted the bank on multiple occasions to request they reach out to the bureaus to have these lates be removed from my credit report. This false reporting of lates is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also tried on multiple occasions to contact the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: FL

Complaint narrative:
I have disputed incorrect addresses and incorrect employer. Listed on my credit report is XXXX company as my employer and I HAVE NEVER worked for XXXX as a XXXX XXXX HOWEVER- I had a roommate who used to work for XXXX XXXX Somehow that employer ended up on my credit report as verified the same month and year XX/XX/18 that we applied for a car loan. I have disputed the information and they refuse to remove it. 

There are several incorrect variations of my address listed on my credit report. I have communicated the incorrect addresses and they will not remove them. 

This incorrect information causes lenders to doubt / deny my applications for credit due to the employer and line of work is not matching and the address not matching. 

IF I NEED TO BRING LEGAL ACTION AGAINST TRANS UNION, I WILL. This incorrect information causes lenders to doubt my applications for credit.

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 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
XX/XX/21 I was given a America Express Serve " gift card '', went to use it XX/XX/21 American Express had already taken 1 of the money from the card. When people go into XXXX or any store to buy these gift cards they are not aware that the money they put on these cards is not going to be the full amount that the person is going to receive. This is so unethical, and frankly thievery! I will be telling everyone to be aware of his Fradulent activity. American Express is really taking advantage of people!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I have a transaction made through paypal that's not coming from me. 
I dont know anybody who are living in DE. 
I made a research about the website and its very expensive sunglasses. 

I told Paypal about it and they answer that nothing is wrong with this transaction. 
I need help Seller info XXXX XXXX XXXX XXXX XXXX : XXXX Transaction ID XXXX Invoice ID XXXXXXXX Purchase details XXXX  - XXXX XXXX XXXX XXXX to MY NAME " Address '' XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX United States

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. ALLY FINANCIAL Inquired on XX/XX/2019. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I believe Bank Of America is using predatory lending habits with my credit card. I have had my credit card with Bank of America for the past ten years. I recently started closing accounts due to unexplained fees, and continual predatory banking habits with bank of america. I have kept my credit card, and have used my credit card per normal. In the last three months bank of america has continuously lowered my total credit amount, thereby increasing my usage amount, and decreasing my credit score. I have other credit cards that have not done this, and I called Bank of America who can offer no real answer. I have always paid my credit cards, and during COVID a national pandemic, XXXX continue to make payments. I have communicated to BOA that I get paid once monthly, and wanted to change my due date, and they were not amendable. I have even made large payments, and they have counted it against me since I am not making minimum payment amounts monthly. This would only cover the interest rate, and I have in the past paid off my credit card. I wish to report BOA, and want someone to take a look into my account. I know BOA has been reviewed by the federal government for predatory lending especially to minority customers. I feel I am a victim of this, even as a XXXX XXXX during COVID, I wish to report this. Please feel free to call me at XXXX. I have notified BOA that I was filing this report. This has been a long standing issue.

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 2021-03-01 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I paid my account balance in full on XX/XX/XXXX which was two days before the due date, and 32 days before the new charges were due. The account statement was issued on XX/XX/XXXX with a zero balance. Thereafter, I used the card to make a few purchases, and on XX/XX/XXXX, Synchrony Bank reported the new charges to the Credit Bureaus. Those charges will be paid in full in XXXX XXXX before they are even due in XXXX XXXX, yet I am being penalized with " early '' credit reporting. This card has a 5 % cash back benefit and a 25-day grace period to pay new purchases without paying interest, so reporting new charges " early '' is just punitive to those of us who handle our accounts correctly. I have had this account open for four years and Synchrony has never, to my knowledge, reported new charges " early. '' I was not, to my knowledge, informed at any time that there would be any changes to the way my account would be reported to the credit bureaus. This change and practice seems punitive and destructive to the issuer/cardholder relationship. Over time, cardholders become accustomed to the business practices of each issuer and any negative change in issuer behavior not directly attributable to negative account management on the part of consumers, causes disruption to consumers. Any change in credit score as a result of said negative issuer behavior I consider as damage to my personal financial health. Why would a credit card issuer seek to damage my credit scores and health, while I am paying my account in full before the charges are even due?

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 2021-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Received bill from XXXX XXXX XXXX XXXX XXXX XXXX for a balance of {$4800.00}, covering up to XXXX XX/XX/XXXX ( through their private broker, Transworld Systems Inc. ) Paycheck ( weekly ) was garnished XXXX on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. No judgements, no notification prior to were given. 

Received notice from U.S. Department of the Treasury XX/XX/XXXX ( dated XX/XX/XXXX ) that a payment of {$4800.00} from our federal tax return was paid, by EFT, to XXXX XXXX XXXX XXXX XXXX XXXX. 

Called Transworld Systems , Inc. ( using number listed on IRS notification ) XXXX seeking a payoff letter. Spoke with XXXX XXXX, employee ID XXXX, who informed me that the payment hasnt reflected and the garnishments would continue for 4 to 6 weeks. He further claimed that the ACTUAL balance is {$5700.00}. I have never received a bill for anything more than {$4800.00}. 

Mr. XXXX claimed that they update their systems every Monday ( which would be today, XX/XX/XXXX ). 

Mr. XXXX claimed that an Intent to Garnish was issued XX/XX/XXXX to an old address which he claimed was the only address they have on file. I am not inclined to believe this as we receive regular billing statements at our current address. No yellow sticker, the address is physically printed on the statement. 

They have received {$140.00} more ( between wage garnishment and federal income tax garnishment ) than I was ever billed for and are knowingly going to collect more they are not entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I am a XXXX customer. I moved apartments in XXXX and was told to keep my equipment ( modem and router ). I kept my equipment and set it up. The equipment did not function in the new apartment so I was sent new equipment and was not notified electronically or called to return my old equipment. Today I received a call from a debt collector saying I owe XXXX {$120.00}. I pay all my bills on time and I believe XXXX  was reckless in this situation for not notifying me that I owed them equipment. I didnt receive notices or anything. This may be because they sent them to my old apartment but that is their fault, not mine.

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