vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Social Finance, Inc.
State: CA

Complaint narrative:
On XX/XX/2020, I sent a bill payment via SOFI Money 's bill  payment service through the app on my XXXX in the amount of {$66.00}. I have used the service repeatedly to send checks to my water billing company ( XXXX ). I received an invoice from XXXX on XX/XX/XXXX showing that the payment for {$66.00} had not been applied to my account. I attempted to review the details of the transaction in my account, but I was unable to view a canceled check or otherwise verify that the check sent on my behalf was deposited. I reached out to SOFI on the same date - via the email that was associated with the transaction : XXXX. After numerous emails back and forth with support on XX/XX/XXXX, I was unable to get any information about whether the check had been cashed, even though the money had been deducted from my account on XX/XX/XXXX. I followed up on XX/XX/XXXX and XX/XX/XXXX and still was unable to receive a response about whether the check was cashed. Since there is no phone number available for customer service, I chatted with support on XX/XX/XXXX. I again inquired as to whether the check for {$66.00} was cashed. The support person told me he could not find out and the issue would have to be " researched. '' I explained that I had already been told it was being researched as of 6 days prior, and I still hadn't received a response. I asked to escalate the issue and file a complaint, and was told that a complaint had already been filed even though I did not file a complaint previously. I then asked to speak to a supervisor and requested a call back, but I have yet to receive any call back. So SOFI has taken the money from my account and held it for 2 months but after a week is unable to provide me with any information showing whether the check has been cashed, meanwhile I am being charged late fees for the payment being late because I am unable to produce any record showing that it was received by XXXX. SOFI offers this banking service but is unable to provide the basic details associated with the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I had a XXXX credit card issued by Comenity bank ( are they even a bank? ) with a {$2500.00} credit limit. 
I had not used the card since I made an initial purchase in XXXX. It was paid off within 90 days or less. 
XXXX closed this account XX/XX/XXXX and reported it to the credit reporting agencies XX/XX/XXXX. 
I received an email alert to this activity on or around XX/XX/XXXX and immediately called Comenity. I spoke to their representative, XXXX ( ee # XXXX ) and requested they reverse the closure. Her first advise was to reapply. That of course was as stupid a suggestion as I've heard. I did not take it. She then stated she would contact her supervisor and request a reopening. I was to hear in " a day or two ''. I never heard back. 
I called a second rep the day after ( XXXX, XXXX ) who directed me to my online account. I gave Comenity more information online than they deserved but assumed since I was able to get online with the same account number and update all the information they wanted ( extra phone numbers, etc. ) perhaps the account had been reinstated. To reinforce that I did not want to reapply and hit the XXXX XXXX again, I sent another request to reopen my account via Comenity 's " secure message service ''. Their email reply XX/XX/XXXX directed me back to my online account and the gist of the response was " since my account had been closed so long ago '' I would have to reapply. ( of course, I will not do that ). 
I recognize that during this Pandemic Shutdown minutes, hours, days, and weeks seem endless but am I the only one with a calender and the ability to count? The account was closed XXXX, reported XXXX, I requested a reversal XXXX, email exchange began XXXX, my last communication with them was today XXXX. I think that's a total of 22 days. In what world is that too long a time period to reopen, reverse the closure of an account? 
The impact to my credit score was more than 30 points as I don't  carry a large amount of credit ; no mortgage, no car payment. It went from XXXX to XXXX. 
In the grand scheme of what's happening to the American citizen this is perhaps minor. But as a single woman, aging at a rapid pace, subjected to all the indignities that go along with being single and female in this world, I just wonder how many others are paying attention to what these no name banks are doing to people? However minor, one should not take a hit to their credit because the don't shop enough at a particular store. Thanks for your time and any effort you can give to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: The Home Loan Expert LLC
State: MO

Complaint narrative:
I was in the process of refinancing my mortgage through XXXX XXXX - The Home Loan Expert, of XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX, MO XXXX, due to the low rates. I was contacted by staff member, XXXX XXXX, on XX/XX/2020 who told me that I had a good credit score of XXXX but he then advised that they could not offer me any cash-out due to the Comps they found on my home. When I asked XXXX how much they determined my home to be worth based upon the comps in my area, he told me that the owner would not allow him to provide me with that information. I was appalled by his response because as a consumer applying for a refinance, I was privy to that information. He refused to provide it. I deserve an explanation as to why I was repeatedly denied that information.

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 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ONEMAIN FINANCE CORPORATION
State: TX

Complaint narrative:
XXXX XXXX sent me a notice that an unsecured loan for debt consolidation my improve my credit, and recommended the product by One Main Financial. When I began the application I asked for the amount suggested. Suddenly they were processing an application where my brand new truck was the collateral. When I asked them to cancel the application, they sent me a denial letter stating I didn't have a mortgage. 

1. I had a 30 year mortgage. 
2. We paid it off last year 15 years early. 
3. XXXX reported it as a CLOSED account, when we were never late for 15 years! 
4. They solicited this loan to me, and when I cancelled the application they put EVEN WORSE marks on my credit. 
5. I literally have 3 things not paid. 2 of which I have repeatedly disputed due to hospital in XXXX, not filing my insurance correctly. 

6. XXXX XXXX, and One Main Financial, should not be doing this to people during these horrific financial times, and then ruining their credit on top of that

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
I was in a motor vehicle accident on XX/XX/XXXX Part of the ambulance bill ( XXXX ) was not covered by insurance and was sent to collection prior to me being notified that there was a balance due. 
Wakefield & Associates sent me a bill dated XX/XX/XXXX for {$500.00} Payment was made in full on XX/XX/XXXX which was processed on my spouses credit card and shows as paid. 
In XXXX I noticed the collection on my credit report when my credit score dropped. 
I contacted W & A on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX all of which I was notified that they are going to escalate the matter to a supervisor which has not happened. I have offered to send all my documentation showing that the debt was paid in XXXX and that my credit score is dropping due to this mistake. The company has made no effort to correct their error which is negatively affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My account with wells Fargo auto shows I am 60 days late on my payments for XX/XX/2020. I was 30 days late not 60 days, I have caught up all payments and then some. I paid {$230.00} On XX/XX/2020. Regular payments are {$220.00}. I then paid {$400.00} on XX/XX/2020. My statement date ended on XX/XX/2020. I show a pay off amount of {$6600.00}. As of XX/XX/2020. I disputed the 60 days late on my credit report and when my dispute came back it said that my balance is {$7600.00} on XX/XX/2020 No payment for XXXX was made. I have a statement that shows otherwise. Every time I have had an issue with Wells Fargo Auto it has always been a fight even when I have the factual paperwork in hand to disprove what they are saying.

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 2020-05-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: ND

Complaint narrative:
On XX/XX/XXXX, I purchased a tv from XXXX XXXX for {$120.00} off a XXXX ad. Around XX/XX/XXXX, I started to email the company and they didn't respond. Around XX/XX/XXXX, I received an email from them stating to wait patiently. I them opened a claim with direct express and was refunded the full amount on XX/XX/XXXX. On XX/XX/XXXX, Direct Express reversed the claim and debited my account for {$120.00}, purchase amount of tv. I asked to receive detailed information about the case reversal to which they sent a short letter stating that there was no error in the transaction. I have made approximately 15 phone calls and an appeal to Direct Express. before I get an answer regarding my questions, I get hung up on. It is obvious they refuse to refund my money even though I never received the product debited to my account nor have I received a refund from the merchant. Direct Express has shown no interest in resolving this complaint. It is for that reason I am asking for your assistance in recouping my stolen money as I am a XXXX  on XXXX income. The states attorney has referred me to you and I have contacted the XXXX  to make a claim against XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
I am currently in the process of trying to get a mortgage loan to purchase my first home. As all are aware the first step in the process is to pull a credit report. At the end of XX/XX/2020, I did just that, noted a few outstanding items that needed to be taken care of. None of which were for a collection. Fast forward to a few weeks later and I get an alert that my credit score had dropped due to a collection on my report, the company reporting the collection was listed as ERC with the original lender being XXXX XXXX XXXX, and had a date listed of XX/XX/2020 as the date the account was opened. I immediately called to find out what this was for. They said they were collecting a debt on behalf of XXXX and that if I paid they would remove the collection and send me a letter confirming it was paid and removed. Clearly Ive never dealt with this before so I blindly trusted. They also had an old address on file that I didnt even live at. I told them what my new address was so they could send the letter there. After I gathered the information on the account I paid the account in full. Fast forward to end of XXXX and the debt is still on my credit report has now been reported to another CA and my score has suffered greatly. I have now contacted XXXX who said that this balance was cycled through a few different collection agencies ( why had I never gotten any notices? ) and that ERC was the last to receive it. What makes no sense and is pretty unfair is that I received no notices about this collection, but somehow they were able to upload dunning documents on their portal after the fact that lo and behold now have my updated mailing address. None of which were ever physically received by me. I also never received a phone call. The only way I knew this was something was when I pulled my credit report and even then it wasnt there the first time I pulled it. Im also confused at the way this debt was handled, why did I never receive a notice from any of the other collection agencies, if this debt was being collected on behalf of XXXX why is XXXX telling me they have no control over ERCs practices. The only thing XXXX is saying they can do is request a paid in full letter be sent to me from ERC. I know that everyone is just doing their jobs but what they dont realize is that doing their jobs incorrectly is potentially costing me the ability to purchase my first home. I dont understand how its fair to report a collection when you wont even probably reach out to the person who owes the debt. Youre not giving them a chance to amend anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Though I very much appreciate the sentiment in deferring our federal student loans, there has arisen a serious problem. The loan providers have changed the loan status to " Deferred '' at all the national credit bureaus and now credit scores are dropping. My credit score dropped almost 20 points overnight. 

Student Loan deferment is not supposed to change credit scores. In this case, I neither ask for nor approved the deferment as it was done by the President of the United States. Why should my credit suffer as a result? 

This is not the time that any of us can take precipitous drops in our credit scores. I had to call my provider this morning and request they take me out of deferment and resume making payments just to repair the damage to my credit. This defeats the whole purpose of the effort in the first place. 

Attached is a screen print from XXXX XXXX. This shows the change made to my accounts where the remark Deferment was added to my student loans and a resultant 17 point drop of my credit score. 

Credit Bureau : Transunion Loan Servicer : XXXX XXXX Could you please raise awareness of this issue? 

Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: CA

Complaint narrative:
I HAVE A NEW COLECTION ACCOUNT THAT JUST APPEARED ON MY CREDIT REPORT THAT I THINK IS PART OF MY IDENTITY THEFT CASE BECAUSE I HAVE NO IDEA WHERE THIS CAME FROM AND WHO MAY HAVE OPENED IT USING MY PERSONAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a postcard from " XXXX '' ( who's return address is located at XXXX XXXX   XXXX, XXXX, TX XXXX ). They are asking for me to send my full name, SSN, all addresses for the past 2 years, DOB, a photo copy of my identification, and a copy of a document such as a bank statement. I have no idea who XXXX  is and even if I did, due to the Maryland stay at home order and not owning a printer or scanner, I am unable to follow up with such a request.

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 2020-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
I wonder where this money of mine my registration number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: GA

Complaint narrative:
Hi : I am having problems with Mid American Mortgage Company. I received a letter from them dated XX/XX/2020 stating that I have an escrow overage of {$2400.00} and that I would be receiving a check for this amount within 30 days of that letter ( I assume the overage is because I got a applied for a property tax break some time ago due to my age ). In any case, I have not received the check. I have been in touch with people several times on the phone and recently with no results - even though they say they will do something about it ( see the attached letter that I never sent because I am giving up on trying to communicate with these people myself ). I even asked them to call me to let me know if there were any problems - if they were unable to send the money but I go no call. About three days ago, I emailed the escrow department. When I have gone back to look for a response, there is no response - In addition, I can not even see the email I sent! 
In any case, I am current on my mortgage payments and have not had any problem with that. I am attaching my escrow statement which has the amount that they are supposed to send to me in addition to the notation on the bottom that the money would be sent within 30 days. It is now going on two and 1/2 months and I am getting terribly frustrated with these people. I understand that covid is out there but we still have to pay our bills. 
I am hoping that you can help me out. If you are unable to help me, please let me know what I need to do. This has been a terrible experience. Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I paid in full for a debt and when we first spoke they stated that pay in full the account will be deleted and now they are still reporting it credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Santander Consumer USA Holdings Inc.
State: KS

Complaint narrative:
In XX/XX/XXXX or XX/XX/XXXX, Chrysler Capital owed me a refund of {$43.00}. Chrysler Capital 's address is XXXX XXXX XXXX, XXXX, IN XXXX. 

Rather than send me a check, as I would have preferred, they sent me a prepaid MasterCard XXXX XXXX XXXX XXXX. I hate prepaid debit cards and would never accept one if given another option. The documentation that arrived with the card clearly showed that I could not get the cash from it, but had to spend the balance instead. I threw it in my truck and after some time I tried to use it, but it was declined. I have never accepted any form of a cardholder agreement for the prepaid card. 

I wrote to Chrysler Capital requesting a check for the refund. They never responded. After a while I received a letter from a company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX. They sent me a check for {$16.00}. 

Again I wrote to Chrysler Capital asking for the balance, and again they did not respond. I did receive a letter from XXXX asking me to call them for resolution. After several attempts, I finally reached a customer service agent. She informed me that They kept {$27.00} for fees, which they would not send to me. 

The original letter with this card shows that it is issued by XXXX XXXX  XXXX. 

I clearly did not request this card, nor did I agree to any fees. I want my refund in the form of a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: NV

Complaint narrative:
Dear Sir / Madam : All my good standing credit has been removed from my Experian, XXXX XXXX, XXXX   report, please see the attachment and resolve this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: OK

Complaint narrative:
I worked with XXXX XXXX XXXX for over 5 years to resolve all of my debt. That ended 3 years ago. The debt is no longer a part of my credit bureau report. I have told this collection agency to stop calling me months ago. They continue to call me every day now. XXXX tried for five years to work out a debt payment plan. They refused and denied the debt. I have tried to get them to stop calling but they continue. Portfolio  XXXX are harassing me daily and causing great anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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