vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 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: SC

Complaint narrative:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
My PayPal account has fraudulent activity and I don't have a clue how to use it I have a PayPal card for the account but never used it also my XXXX account has been hacked as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: MA

Complaint narrative:
XXXX XXXX I went online then telephone to obtain would be qualified. 
a {$1200.00} loan for car repair not a payday loan.. XXXX  XXXX  contacted me and stated that XXXX XXXX  would send me a list of loaners that I. Niswi, LLC dba Lendumo XXXX. XXXX XXXX XXXX XXXX XXXX was sent to me by email called them agreed to the loan for {$1200.00} at XXXX per month to be withdrawn from my checking account on the 1st of each month Lendumo made all arrangements on phone. for payments XXXX XXXX, XX/XX/2021 XXXX XXXX all withdrawn from my checking by Lendumo as agreed. XX/XX/2021 received an e mail that XXXX XXXX another {$490.00}. 
I called Lendumo Representative stated that since I did not pay on time I was owed Lendumo more according to the agreement I signed. I never signed an agreement or was it mentioned no agreement was sent by email for me to sign or stated on phone Representative stated it was in their website which I had no knowledge of. 
I was to make 12 payments at5 {$490.00} at 499.94 % I stated that was usury Lendumo made all arrangements for payments and never mentioned percentage rate or agreement or did I sign any agreement. I went to Lendumo website found the document my signature is not on document but printed which I never seen or heard. late fee charges are {$30.00} poer payment Please advise I am willing to testify in Court under oath to the above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: Ocwen Financial Corporation
State: IL

Complaint narrative:
Good Afternoon, This complaint involves not only PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, NJ XXXX But all 3 Credit reporting bureaus, XXXX, XXXX and XXXX. In the previous year of 2020 my mortgage payments were reporting late on my credit report, negatively affecting my credit and lowering my score. The credit bureaus are operating out of compliance. Due to the fact stated in the Consumer Financial Billing Act. I should be contacted before anything is placed on my credit report that has the potential to adversely affect my report. Also, I'm given A certain amount of days to respond to offer an explanation. In this case I was never called, emailed or received A letter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I sent in my police report and my notarized affdavit to XXXX. I called last month and talked to XXXX from the fraud department who asked me to send in my fraud package. after sending it to them they did not comply with anything and said they don't have to block the fraudulent account even after going to the XXXX XXXX  XXXX Police Dept and filing a police report in person. they sent me some generated letter saying if i want to block the fraudulent account to send it my Police report and affidavit that i have provided them. Today at exactly XXXX XXXX  i spoke to XXXX who said he was fraud department integrity team and completely said he won't do anything and he didn't care what XXXX told me and said he doesn't have to follow the FCRA rules. I told him i got some letter saying if i wanted to block the fraudulent information under the Fair Credit Reporting Act Section 605B I told asked him to transfer me to a supervisor and he hung up on me. I have done everything in my power to fix this fraudulent information if this is not fixed my only option is to file a lawsuit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: COMPASS MORTGAGE, INC.
State: IL

Complaint narrative:
I worked with Compass Mortgage of XXXX, IL for a mortgage that I closed on XX/XX/2021. At closing, at the title company, I signed all of the documents with my attorney present. The first payment document, showed my payment was for {$1100.00}. There were also several closing documents that did now show the exact monthly payment amount. 

On XX/XX/2021, I received an email from Compass regarding the first payment. I reviewed the information, and it shows that my first payment in fact is {$1700.00} and change. I reached out to the Loan Officer, who replied that it was the title company that did not use the most accurate tax year and therefore, it was at their fault. Then he states in a separate email, that he doesn't know where the miscommunication was but here ( attached ) are the correct documents. He informed me that during previous conversations that he made me aware of that my mortgage would be approx $ XXXX {$1800.00} per month. I explained that I assumed that because I was at closing, that everything should have been finalized, that my payment was in fact {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
I've recently began applying additional payments to my principal and the servicing company has done a poor job of applying it correctly, without me having to call and reinforce that the payment was sent to the principal. I've used the app/website each time to apply it and chose principal ONLY payment each time. They have either sent it to the suspense account or applied it to my monthly mortgage payment. 
XXXX {$2000.00} to Principal only and they put it in the suspense account. I called XX/XX/XXXX and the agent put in a research to have it moved. XX/XX/XXXX, and XXXX, it still hadn't been moved. On the XXXX, I got the same agent from the 1st time. He researched again. On the XXXX, I got another agent who saw the notes and put in another research. Today, XX/XX/XXXX, still no change. It says next payment due XX/XX/XXXX, with {$220.00}, sitting in my suspense account. This also happened in XXXX when I applied an extra {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We were discussing with my credit card CAPITAL ONE about some charges from the same company ( XXXX ) that I reported as a fraud, after months and many phone calls 3 out of the 6 charges were cancelled. I was told several times that it was not going to affect my credit because it was under investigation but I realized later that they did reported 2 times my lack of payments. 
I was expecting a written results of the investigation, when I did complain they told me that I lost the case, my Fico was really affected and then I asked for a written result of the investigation, they promise to send it but I never got it. To avoid more damage on my credit I immediately paid the full amount but is unfair because they never notified me the final result of their investigation. 
The acct # was changed 3 times because the fraud claims. 
ending # XXXX, then # XXXX and # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I would like to dispute a late payment that has been reported to all 3 credit bureaus for XXXX 2020. XXXX reported my account late for the month of XXXX 2020. 
I have learned that because Covid-19 affected my finances making it difficult to make my monthly obligations, and that Congress made Covid-19 a national emergency, the Cares Act called for creditors to adjust how they report accounts to the credit bureaus that have been modified. The law requires creditors to report any account that has a payment accommodation applied to it as current to all 3 credit bureaus - as long as the account was current when the accommodation was made, which my account had been current until Covid-19 hit. The CARES ACT states the creditor needs to report to the credit bureaus that you are current on your loan. XXXX did not report my account current XX/XX/2020 and because of this, has affected my credit reports and credit scores. Because of this, as soon as I paid the account to zero balance recently, I canceled my account. 
Their records show that I had never been late with a payment until Covid-19 hit in XX/XX/2020 and the lock down that was ordered by the Governor of Colorado XXXX XXXX, 2020 until XXXX 2020. 
I made 3 payments in XXXX after the due date to attempt to catch up. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file.

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 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I would like to dispute a late payment that has been reported to all 3 credit bureaus for XX/XX/2020. XXXX reported my account late for the month of XX/XX/2020. 
I have learned that because Covid-19 affected my finances making it difficult to make my monthly obligations, and that Congress made Covid-19 a national emergency, the Cares Act called for creditors to adjust how they report accounts to the credit bureaus that have been modified. The law requires creditors to report any account that has a payment accommodation applied to it as current to all 3 credit bureaus - as long as the account was current when the accommodation was made, which my account had been current until Covid-19 hit. The CARES ACT states the creditor needs to report to the credit bureaus that you are current on your loan. XXXX did not report my account current XX/XX/2020 and because of this, has affected my credit reports and credit scores. Because of this, as soon as I paid the account to XXXX  balance recently, I canceled my account. 
Their records show that I had never been late with a payment until Covid-19 hit in XX/XX/2020 and the lock down that was ordered by the Governor of Colorado XX/XX/2020 until XX/XX/2020. 
I made 3 payments in XXXX after the due date to attempt to catch up. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I would like to dispute a late payment that has been reported to all 3 credit bureaus for XX/XX/2020. XXXX reported my account late for the month of XX/XX/2020. 
I have learned that because Covid-19 affected my finances making it difficult to make my monthly obligations, and that Congress made Covid-19 a national emergency, the Cares Act called for creditors to adjust how they report accounts to the credit bureaus that have been modified. The law requires creditors to report any account that has a payment accommodation applied to it as current to all 3 credit bureaus - as long as the account was current when the accommodation was made, which my account had been current until Covid-19 hit. The CARES ACT states the creditor needs to report to the credit bureaus that you are current on your loan. XXXX did not report my account current XX/XX/2020 and because of this, has affected my credit reports and credit scores. Because of this, as soon as I paid the account to XXXX balance recently, I canceled my account. 
Their records show that I had never been late with a payment until Covid-19 hit in XX/XX/2020 and the lock down that was ordered by the Governor of Colorado XX/XX/2020 until XX/XX/2020. 
I made 3 payments in XXXX after the due date to attempt to catch up. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file.

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 2021-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The company is a debt reduction service that uses telemarketing calls to get clients signed up for services. my understanding is that they do not aquire debt until you commit to accepting their services. on average they negotiate a reduction to about 10 percent of the orginal debt then negotiate a reduced montly payment. i have no relationship with the company. i have not signed up for their services. i have not been called by the original credit card company. i thought it had been resolved. i am also a significantly victimized citizen dealing with corrupt ogranizations, corrupt government, and government orchestrated racketeering, organized crime. i have been denied my rights, denied access to justice, deprived of property and assets, and denied access to justice. I have been forced down among the down trodden and subjected to cyberstalking. I am also an identity theft victim with an incident on texas and my identity used in what appeared to be money laundering and possibly drug trafficing. authorities know i am a victim and not involved. i am not able to get assistance from government. i am ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Expert LLC
State: OH

Complaint narrative:
I signed on with Credit Expert LLC in XXXX of 2020. I have been charged {$39.00} monthly since then, for a total of {$190.00}. 

Credit Expert LLC has a full copy of my credit report, but also requested access to my XXXX XXXX profile and XXXX  login, which I did not feel comfortable with. 

They stated that they have filed two " rounds '' of disputes. I have not had any deletions, and therefore, to my understanding, this company is in violation of the Credit Repair Organizations Act which prohibits Credit Repair companies from charging upfront fees prior to delivering deletions. 

Additionally, in a recent CFPB action against a similar Credit Repair company " XXXX XXXX  '', the Telemarketing Sales Rule restricting upfront fees was also invoked. 

I have requested a full refund from the company which they have refused. They mention the " work '' they've done and the rounds of disputes, but there are not any results. 

They created a client portal and requested that I fill out a creditor sheet, but I did not have time to do this nor should this have affected their ability to effectively dispute on my behalf. 

If they aren't able to accomplish deletions, I accept that, but I should not be charged or denied a refund if they have not been able to accomplish any meaningful benefit for me whatsoever. 

They did agree to refund {$39.00} from the previous month, which I had requested that they not pull 3 days before the due date, and they pulled anyway. But, they have declined to refund the payments since XXXX. 

This still leaves {$150.00} that I am owed. 

If they had accomplished even one deletion, I would not be requesting this. But they have charged me upfront before any results were delivered. I believe that they were just trying to string me along with monthly payments. 

I am requesting that this company refund the payments that I've made since they were charged upfront before any results were delivered. I felt that 5 months was long enough to at least see some kind of accomplishment, or even one deletion, if they were able to do what they claimed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I received a recorded call on XX/XX/21 stating that a purchase had been made on my Amazon Chase Visa card in the amount of {$270.00}. I have not made any purchases from XXXX since XX/XX/XXXX and it was less than {$30.00}. I contacted XXXX to verify the charge and was told : ( 1 ) the call was a scam ( 2 ) XXXX does not call customers ( 3 ) follow a link to make this claim. The scam call phone number began with XXXX area code and was repeated so fast that I could write it down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I use the atm machine locate at XXXX XXXX XXXX. XXXX XXXX, Ca XXXX. 

I made a cash deposit of XXXX. The machine show me a error message while my money was already deposit in machine. While processing it told show me a message money received or deposit. 
These I press print reciept. The machine printed out a blank receipt I called the bank and filed a claim they told the would credit my account within 1-3 business days This bank has Racial profile me and has not made a credit to my account Im being discriminated against because of gender race, color. 

I also asked for them to look at my bank records showing the history of deposit made. 

I would like to file a lawsuit or I just would like my money that I deposit in the account XXXX XXXX Email : 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 2021-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collection Management Holdings, LLC
State: TN

Complaint narrative:
I have been receiving harassing phone calls and voicemails from strangers from this company that also contain a fraudulent caller ID. Apparently this is a collection company. 

My search revealed this to be the actual company : Credit Management Company XXXX XXXX XXXX XXXX, PA XXXX Office : XXXX Toll Free : XXXX Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Back in XX/XX/2020, 5/3rd Bank told me that they would refinance my home at 2.5 % for 15 years. They had me pay a {$390.00} loan application fee and said that we would close by XX/XX/2020. They had me give them tax returns, w-2 's bank statements, and every other document that they could think of which I complied. In XXXX, I started calling to see what was going on with my refinance and the loan person kept saying that they are still busy, but they need more docs. Once again I gave them what they requested and have been doing so for the past 4 months. We are now approaching XXXX, I still do not have a closing date. Today, a different person started asking for more nonsense documents. They also had me deposit a large sum with their bank to qualify for this loan, that money has been sitting idle earning almost nothing for the past 7 months. 

No one should ever be led down this time wasting path, let alone be forced to give so much sensitive data without any accountability from this large bank. Fifth third has a horrible loan system and people that just do not care about their customers!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC contacted my family members by searching other phone numbers associated on my cell phone account and gave out information without my consent. The amount owed is {$960.00} for a credit card I owed {$250.00} on ( {$250.00} limit with XXXX XXXX XXXX ). I have asked them to stop contacting me after they declined my offer to settle the account for the amount I originally owed to XXXX XXXX ( {$250.00} ).

Company response to consumer: Closed with explanation