vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I purchased a mattress and adjustable base from XXXX 's online. It was financed by American First Finance. On XXXX XXXX, I received and email from the delivery company ( XXXX XXXX XXXX ) stating that they will be delivering the merchandise on XX/XX/XXXX. With less than 24 hours notice of delivery, I called the delivery company to asked if I can reschedule and was told that there's a 2 week waiting for reschedules. I decided I will take time off from work to be home for the delivery. I was contacted by the XXXX XXXX at around XXXX on XX/XX/XXXX to let me know the delivery will be at my location in XXXX. I waiting until XXXX then called them when the driver never showed up at XXXX and was told that he had other deliveries but should be there later in the day. When the driver eventually showed up after XXXX, he said that he was by himself and could not bring the mechandise upstairs because it was too heavy, although I paid for in-room delivery, open and inspect the product he said he could not do that. I refused the delivery as I live alone and had no idea how I would get the merchandise to the assigned room up one flight of stairs. I called XXXX 's who said they can't cancel the order until I paid $ XXXX for thr returned merchandise. I then called American First Finance who approved the financing for the merchandize who is now saying that they can not cancel my lease until the store cancels the purchase. I was contact again by XXXX 's demanding that I pay for the return of the delivery by debit or credit credit card in the amount of $ XXXX despite the fact that I do not have the merchandise due tot he unwillingness of the driver to delivery the merchandise per the added amount of {$110.00} to deliver in the room of my choice. On XX/XX/XXXX I contacted my bank to stop all future payment and explained that I did not have the merchandise and that the finance company is refusing to cancel my lease. Today XX/XX/XXXX I received a payment schedule from First American Finance that my next payment is due on XX/XX/XXXX despite the fact that I do not have the merchandise

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Convergent is in violation of 15 U.S. Code 1692e for false or misleading representation. Was told by a Convergent agent that I was paying for a delete upon paying agreed amount. Was told that account would be removed from my credit profile within 30 days. Account still reporting

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 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to delete the following 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Between the priod of XX/XX/XXXX and today XX/XX/XXXX I have been unable to access my Online banking account. I have followed the proper steps each day to access my account to no avail. I also have received every run-around excuse possible, with extensive promises of expected retun phone calls from XXXX, also to no avail. I have advised that an online Registration issue exist which does not allow me to access my bank accounts online, with no realistic promise of a resolution. When I try to Register my bank debit card online through Citi.com, I receive an error message which states " Looks like something went wrong. Please contact Customer Support for help ''. I believe I need your departments assitance to resolve this access issue as the Citi bank " Customer Service depart '' does not seem capable of resolving this issue. I have reached out to XXXX XXXX in the Citi Executive Response Unit again for assistance as she is quite aware of the previous CFPB complaint # XXXX which was submitted XX/XX/XXXX and was assumed, incorrectly, to resolve this debit card online access 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 2021-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: AL

Complaint narrative:
I took out a loan with Upstart on or about XX/XX/2021. The funds were direct deposited into my account. My payments are due on the XXXX of each month. As of today 's date, XX/XX/2021, I have made my first 2 payments, XX/XX/2021 and XX/XX/2021. I went into their website today to make 2 more payments, my XX/XX/2021 and XX/XX/2021 payments. However, my next payment due date is still set at XX/XX/2021, which has already been paid. When I took out the loan, I needed the money to get out of a hole, pay some bills off and catch up on others, which I did. NOW, I want to start making my payments to Upstart and it's very important to me to make these payments NOW because, in light of what's going on in the world today, we have no way of knowing if we will have money to make payments in the future, jobs, rent, etc. I have asked Upstart TWICE today to advance my due date based on the 2 ( TWO ) payments that I have made and they are refusing to do so, stating " we are now allowed to show your loan as due for more than one month ahead at a time ''. I don't care, I want to and am eager to make my payments NOW. I work in a bank, I have for over 20 years, and I KNOW from experience that my due date can be advanced ahead as long as I make the necessary payments. I need the funds that I am remitting to Upstart to be reflected on my loan as payments made, NOW. I absolutely do NOT mean or want these funds to be posted as principal reduction payments, they are payments that forward the due date. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I received an email on XX/XX/21 that a Verizon Visa Credit Card was opened through Synchrony Bank. 

I contacted the bank and informed them that I did not open a card through them.

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 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal get my money on my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have tried to resolve these issues concerning this debt claiming we owe to HUD. We have called HUD and explained that I refinanced on XX/XX/XXXX. I received a notice from Wells Fargo of this Debt with HUD on XX/XX/XXXX. I didn't understand why I owed this money, I found out an FHA Cash-Out Refinance was not done. When I spoke to HUD I could not get any help. I had a mortgage with Wells Fargo Home Mortgage and refinanced with XXXX XXXX. I got in touch and both banks and so far nothing has been done. Please note I refinanced on XX/XX/XXXX, with XXXX XXXX, I didn't receive this HUD information from Wells Fargo until XX/XX/XXXX. I received a letter from Wells Fargo on XX/XX/XXXX, that I requested a pay-off letter, the letter stated that all funds were paid. A copy of the pay-off was on XX/XX/XXXX. HUD did not get paid so now HUD is prepared to take 15 % of my social security check each month. I'm hoping this can be resolve because Wells Fargo failed to do a correct FHA Cash-Out Refinance.

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 2021-04-26 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: OH

Complaint narrative:
Please update personal information on experian my name is XXXX XXXX XXXX My only address XXXX XXXX XXXX. XXXX, Ohio XXXX There maybe individuals that have thr same information as mine. Creditors may have entered my name, and address incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit report

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 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
The outstanding Principal Balance of XXXX of loan number XXXX was paid off on XXXX. I have been waiting for something from Specialized Loan Servicing to take to the lawyer so that the deed can be switched over to my name since I am the executor of my mothers estate. But instead they sent me a stack of new mortgage payment statements. In XXXX they sent a Mortgage Payment Reminder, my wife contacted them but they refused to speak with her regarding this mortgage despite me giving authorization many times to speak to her, since I have to continually take off of work to contact them. Now I am receiving foreclosure statements, I can't understand how a mortgage be in foreclosure when in is paid off. I took off work again on XXXX and contacted them again to let them know that the loan was paid. Now I was notified that to close the loan they wanted more monies to close the loan plus late fees for the 4 months starting in XXXX, XXXX, XXXX, and XX/XX/XXXX, but nothing was due so how could I get late charges.

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 2021-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit Acceptance Corporation never provided me with a copy of the proof of sale from the auction they held to sell the repossessed vehicle. I was never given the opportunity to review whether or not they sold the vehicle for a fair market value as is my right. They are reporting this negative charge off on all three credit bureaus ' reports. I want the account removed until they can prove to me the law was followed.

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 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I had a principal balance of {$160000.00} on my XX/XX/XXXX mortgage statement ( after applied principal ). On my following statement ( XX/XX/XXXX ) my balance of {$160000.00} was carried over but I was charged for 2 months ( XX/XX/XXXX, XX/XX/XXXX ) interest ( % 5.875 % ) and principal was applied as if I was making 2 payments in a row ( XXXX and XXXX ) within the month of XX/XX/XXXX. 

Subsequently the extra amount submitted to pay down my principle ( {$1100.00} ) was not credited in XXXX. Because I paid an extra {$1100.00} over my regular payment of {$1000.00} ( a total of {$2200.00} ) SPS policy is to treat a payment within a month as 2 payments if the amount payed is equal to 2 months of regular mortgage payments. This must be illegal as I am subject extra interest for a month that hasn't even occurred as a result of this practice Any other mortgage I have ever had has automatically applied extra payments within a month to principle. They promised to credit me the extra principle of {$1100.00} within a few days of my complaint of XX/XX/XXXX. 

Incidentally i had to call 3 times as the first 2 times I was hung up on after detailing my complaint. On the 3rd call I told them if they hung up one more time I would report them to CFPB. Even though they did apparently resolve my issue, I am submitting a complaint anyway as I am quite certain they are conducting illegal and unethical business practices over there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Credit B. is reporting unverified, derogatory information into my credit profile. Has failed to notify me or re adding an account after once deleted back into my credit report. Has dishonored my verbal telephone request for method of verification on XX/XX/21

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 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I received a letter from a collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX ) telling me owed Paypal {$2200.00}. I never received any communication from Paypal about this at all. I checked my Paypal account, and there is nothing in it to indicate that I owe any money. I only used the account every once in a while to pay for something with a credit card. My account wasn't even hooked up to a bank account. Upon calling Paypal ( I spent over 4 hours on 2 separate calls ) I learned that there was an account with my name that owed the money. I learned the email address on the account was not my email address. Upon speaking to the collection agency, I learned that they found my mailing address from sources other than Paypal, and that the phone number on the account is not my phone number. Paypal refused to resolve this issue. I explained everything to the collection agency and was told everything should be fine. I closed my Paypal account ... though I'm not sure they really let you close it completely. I never got any resolution from Paypal. They transferred my from department to department where I spoke to people all over the world ... but no resolution. Companies should not be allowed to do this to people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I received an unsolicited bankdebit card. This debit card is attached to a bank account that they opened without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: VA

Complaint narrative:
I am writing to delete the following 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a HELOC open with XXXX XXXX XXXX. Monthly Automatic payments were setup and made on the XXXX of every month. XXXX XXXX XXXX confirms receipt of those payments having been received and posted to the account, however XXXX is reporting to the Credit Bureaus as me having multiple 30, 60, and 90 day delinquencies which is A ) Incorrect and B ) Preventing me from refinancing the mortgage on my primary residence. 

I have filed a complaint with XXXX and they issues a decision to the case that they were correct in their reporting and closed the case. 

On top of that, I paid off in full and closed the account on XX/XX/XXXX and they are still showing delinquent payments of 0 days in XX/XX/XXXX and 0 days in XX/XX/XXXX as well as delinquencies in XX/XX/XXXX and XX/XX/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 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr. Cooper Mortgage company charged my payment over 20times and refunded me over 20 times as of today XX/XX/2021. Then after they cleared up their mess they charged me twice which left me with a negative - {$740.00} in my bank account. Thus leaving m penniless for today which i coluld not buy breakfast this morning nor buy lunch as of right now because im at work and i do not have a XXXX on my account. Im going to have to get home so i can eat. By then itll be over 24hrs since inlast ate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I called Experian at the number XXXX listed in their letter in order to temporarily lift freeze on access to my credit reports. 

I provided all the ID information about myself in order for their system to authenticate me Due to their malfunctioning voice recognition system and inadequate choices on menu, I was unable to temporarily lift freeze on access to my credit reports. 

When I requested to talk to an operator, the automated system refused to transfer me to an operator. 

When I said that I would like to temporarily lift freeze on access to my credit reports, the system ended my call.

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 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
There was a large escrow shortage as of XX/XX/2020. Wells Fargo waited five months to send notification that or mortgage payment would increase by about {$800.00}. Almost twice the current payment. They should have reworked the payment when the shortage was known to prevent such a large increase. 

They said the reason was this is a new house and the estimated tax was based on the land only. How does this make sense when they knew the purchase was for a house?

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 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays credit card company reported a negative information to XXXX, XXXX, & XXXX  without notifying me properly. Properly defines that they did not conduct a reasonable investigation regarding the reason for negative information which I clearly had a conversation with there representatives on Ref # XXXX which i warned that this needs to be fixed and 2nd  time which happened again which damaged my credit report Ref # XXXX. 

On both Reference when they don't mail statements they assume people have received their statements. Then when they have an automated robot phone calling ( XXXX ), which after picking up phone theres no answer or live person to notify that this is a Barclays card services, people assume its spam and block the number. Then after all that they keep calling but now it goes to straight to voicemail which i have saved all voicemails total of 8 empty 4 to 130 seconds of BLANK messages ( Please listen to 2 of the attachment to file I have saved all voicemails on XX/XX/2021 to my computer in case i need it for proof. This voicemail was from XXXX on XX/XX/XXXX XXXX & XX/XX/XXXX at XXXX ). 

The only way this was solved is by me searching this phone number that kept harassing me by checking background reference through whitepages which then identified its connected to Barclays card services, and i had to call the number behind the card to speak to a live person and not silent robot calling services.

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