vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My loan was sold from XXXX XXXX to XXXX due to a bankruptcy sale. I received my 1098 from XXXX and it is not correct. It does not include payments made to XXXX or property tax payments. I spoke with XXXX and they asked me to call XXXX. I called XXXX at XXXX per their instruction and determined XXXX is closed and not taking calls ( you can hear this yourself when you call ). XXXX does not have a way to provide me this information as the loan servicer and only can refer me to XXXX. I need this issue to be resolved and need to have accurate tax 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 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: LA

Complaint narrative:
Contacted Discover to pay complete balance on or about XX/XX/2020. Was given a figure of {$1100.00} which I paid through my bank online in 5 minutes. Thought it was done and account would be closed. However, a couple weeks later I get a statement with a positive balance of {$6.00}. Called them and said send me a check and close account. That was 3 months ago. Not only did they not send me a check like they said, I keep getting statements with the + {$6.00} balance. They are 3 months overdue on payment. I would like to charge them {$28.00} a month late fee like they had no problem doing to me. I have all the documentation. What they are doing is just wrong and think everyone is stupid. They kinda acted offended when I said I want to pay of balance and close account. I think they should be punished somewhat..it 's not the {$6.00}, it's the fact they didn't do what they said..could have been so easy. Now, I'm kinda XXXX XXXX. I think punitive damages should be considered. Look forward to hearing from you. I'm no shrinking violet..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: CT

Complaint narrative:
I was never informed of the debt before my credit was hit. I was never sent documentation stating what the debt was. This company said they would mail me something. I never received it. I wasnt aware of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CO

Complaint narrative:
I sent {$400.00} to my nephew, XXXX, in the XXXX on XX/XX/2020 reference number XXXX XXXX XXXX XXXX, but it was sent by the Remitly app to XXXX XXXX XXXX  instead of XXXX. I followed the directions to update it on the next day on XX/XX/XXXX and it said update in process. I waited for the update to be done but the app still says update in process until now, XX/XX/2020. 

My nephew went to XXXX in the XXXX ( XX/XX/XXXX ) to request that they transfer it manually to them but was told they can not do it. He went to XXXX ( yesterday XX/XX/XXXX ) and they checked on it and told my nephew that the transaction was cancelled and the money went back to my account. Not clear as to when it was cancelled but the {$400.00} is not in my account as of today. I realized this is during the pandemic ( Covid19 ) but this is also the reason why I'm sending the money to my relatives. 

I repeatedly sent an email to Remitly if they can tell me when I will get the {$400.00} back in my account so I can resend it to my poor family who most need it during this tough times? I repeatedly got a response that due to the Covid19 they will not be able to help me and directed me to the app/website to get help. I sat by the computer to get help via Chat for 4 hours on XX/XX/XXXX but no one showed. Today I sat another 3 hours still no one showed. I tried to cancel the transaction myself but the app/website is stuck on saying the update is in process and would not allow any other actions to process. I don't know if the transaction was actually cancelled since I could not get a hold of anyone here in the US and I don't have the money back in my account to date. 

I need to get my money back so I can re-send it to my nephew as soon as possible. I am not getting any answer or help from Remitly at all. Please help me. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: GREAT WESTERN BANCORP, INC.
State: NE

Complaint narrative:
On XX/XX/2020, I contacted my bank in order to stop an automatic debit payment for an insurance company I no longer do business with. I initially spoke with customer service personal, who advised me I could not stop the automatic debit payment from happening. I demanded to speak to another person and was connected to my " banker '' in XXXX XXXX, XXXX at one of the 2 Great Western Bank locations. I was again told it was impossible for me to stop the automatic debit payment due to laws and regulations regarding banking in the United States. The conversation became heated, the individual refused to give me her supervisors name, and I do not remember her name. The " banker '' used the current pandemic situation as her reason for not giving me her supervisors name. Great Western Bank will not allow me to control my account in accordance with federal law, specifically the right to stop automatic debit payments.

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 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX at Atlantic Bay Mortgage Group. I contacted Mr. XXXX because he informed me back in XX/XX/XXXX that I needed to wait 6 months so that I would have 2yrs solid records of being a business owner. At that time, he told me that was the only issue standing in the way of being approved for a mortgage. My credit score is even better now than it was then and everything on my credit report was the same. Including my Chapter XXXX bankruptcy from XXXX. Furthermore, this was a land in lieu application. Mr. XXXX also did a hard pull on my credit without asking my permission. I let it go because I was confident I would obtain a mortgage. On XX/XX/XXXX after asking me to sign various documents this was Mr. XXXX ' XXXX message to me by email : " Sorry this has taken so long but your file was reviewed by a few different people and I was confused on what they wanted. Bottom line is due to the bankruptcy and limited new credit they want 12 months history on your credit card and two non-traditional references before they will approve your loan, so well need to wait until XXXX before well be able to do anything. '' XXXX XXXX was aware of my Chapter XXXX back in XX/XX/XXXX. Since then, I have worked tirelessly to repair my credit. I accomplished getting my score up a full 100 points since then. If the bankruptcy was an issue, then I should've been denied immediately. Moreover, when XXXX XXXX asked me questions, he seemed to already have the answers because of stereotypical assumptions. I even felt the need to ask him if he was discriminating a couple of times. He would never answer me directly and acted like he didn't hear my question. This entire process has left me and my family discouraged and we are afraid that we won't be able to fairly obtain a mortgage in the state of Norh Carolina.

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 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Ditech has not sent all of my info to the company they sold out to my mom is deceased they didnt send the information over that I was over the account and the account is paid in full and the company is still adding illegal charges to the mortgage its illegal I can not even talk to the new company about my deeds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Account status and balances inaccurate for Credit Cards - XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  and has not been corrected after numerous attempts.

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 2020-04-09 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: CA

Complaint narrative:
There is a 30-day and a 60-day late payment reporting on my credit card for the month of XXXX and XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit  for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at the bank and as a result, I now have a 30-day and a 60-day late payment on my credit report. I have never been late a day in my life with this company. I contacted them with the updated bank information and they failed to change 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 explanation
Consumer complaint received 2020-04-09 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: CA

Complaint narrative:
There is a 30-day and a 60-day late payment reporting on my credit card for the month of XXXX and XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at the bank and as a result, I now have a 30-day and a 60-day late payment on my credit report. I have never been late a day in my life with this company. I contacted them with the updated bank information and they failed to change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
BMO Harris Bank misapplied my standard monthly loan payment as a principal reduction payment and subsequently marked my account as past due with a collection notice and a collection phone call, 8 days after they misapplied my payment. When I called to remedy the situation I was met with rudeness and resistance. It took 3-4 hours ( over two days ) of my personal time to fix the issue. It was not until I asked to speak to the collection manager and branch manager ( the local branch manager was amazing and put the customer first, she took the corrective actions for my situation ) that they agreed to fix the payment. The issue is the threatening letters and phone calls for a payment that was made on time but misapplied and refusal to admit the mistake or provide letter of correction.

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 2020-04-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
There is a 30-day and a 60-day late payment reporting on my credit card for the month of XXXX and XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at the bank and as a result, I now have a 30-day and a 60-day late payment on my credit report. I have never been late a day in my life with this company. I contacted them with the updated bank information and they failed to change 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 explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
In XXXX of XXXX, someone used my name to open a Synchrony Bank PayPal account. A credit card was sent to an address in XXXX XXXX, Ohio. I never lived in Ohio. The credit card was used for a one-time purchase of {$1200.00} but credit card bill was never paid. 
I received a message from Synchrony PayPal about an overdue balance around XXXX, XXXX. When I returned the call, the PayPal security department couldn't find any information about an account  matching the information I could supply. I told him it was an unauthorized account and to close it immediately. 
I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX trying to collect a debt balance of {$1200.00}. Synchrony PayPal had closed the account and had sold it to XXXX XXXX. I made several phone calls to the number supplied on the collection letter and escalated calls up through the management to report fraud and identity theft and was told that I would receive a letter notifying me of the status. No letter to date. 
I filed an Identity Theft Report with FTC and sent an official letter to XXXX XXXX in XX/XX/XXXX with documentation. No letter from XXXX. 
I receive several phone calls from XXXX XXXX each day and want it to stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is a 30-day and a 60-day late payment reporting on my credit card for the month of XXXX and XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit  for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at the bank and as a result, I now have a 30-day and a 60-day late payment on my credit report. I have never been late a day in my life with this company. I contacted them with the updated bank information and they failed to change 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 explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
LoanCare is not offerning deferments on customers mortgage loans. Instead they are offering forbearance on loans for 60 days. And will double the amount of payments to place customers in a position to be foreclosed on their homes. They're practices is illegal and needs attention too. I have called them several times on this matter from XX/XX/20 to XX/XX/20 to tell me they are too busy to accept calls at this time form their mitigation department. This company is not following the federal guidelines for this emergency situation that's going on with Covid19 pandemic. This will hurt people lives, families that are going to become homeless with this companies cruel practices.

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 2020-04-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I bought a travel package from XXXX on XX/XX/2020. On XX/XX/XXXX after I tried to contact the XXXX XXXX XXXX  ( with no avail ) because they did not send me the locations of the hotels that they promised, I contacted Citi Cards and via XXXX message ) to reserve the charges as I did not believe that this was a legit company. On their website it indicated " if the charge was still pending authorization, it will be credited back. That did not happen. The XXXX} was charged on my credit card. I opened a dispute with Citi Cards and sent them all necessary documents. Then on XX/XX/XXXX they send me a letter with attachments from the merchant, with the signed agreement ( which was never signed by me ( THEY FRAUDULENTLY SIGNED MY NAME ) and they sent a copy of a FRAUDULENT Drivers license all the information redacted including the picture of the drivers license with my name at the bottom ( handwritten, not signed ). I quickly responded to Citi Cards telling them that this is not my signature or a copy of my drivers license and sent them a copy of my drivers license for verification. I indicated to them that this is fraud and they need to do the right thing. Finally, after 3 months of back and forth with Citi Cards I received a letter from them today, basically saying that they will not reopen the case again and that the charges stand on my credit card. I contacted them by phone and was told to file a complaint with the Federal trade commission. Citi Cards did not do the right thing investigating this fraudulent charge and they don't want to deal with it. I have been a loyal customer of Citi Cards for 30 years. I have all documents to support my case if you would like to look at them. Thank you in advance for your help in this matter.

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 2020-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Today, on XX/XX/2020, I received an alert from XXXX that Best Buy Citicard reported  late payments. I closed my account on XX/XX/XXXX and at the time, I was not aware of any pending payments. My account is on autopay, so I didn't think twice about it. My last statement from the bank was on XX/XX/XXXX, so I didn't realize there was pending payments. The bank never sent me statements after closing the account and I was current with all my payments at the time of closing. I called the bank and rep could not tell me what was the pending charges. Kept insisting if I make the payments on the phone, she will waive last month 's fee. But I wanted to know what the charge was for as I didn't know there were pending payments and she kept saying it's for late payments. 

Initially I was unable to log in to my account as I could not log into my account. So I really needed the rep to help me with that. Finally I was able to access my account after finding my credit card still in my drawer and reset password. If I had received statements as it was sent regularly or if the bank had used autopay option set on my account, I would not have incurred lat payment. I am looking to refinance and it's really important that I don't have any new negative remarks especially when I have tried to keep up with all payments.

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