vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-09 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: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Had a mortgage with XXXX/XXXX since XXXX. Sold home in late XX/XX/XXXX. 
XXXX is now Shellpoint Servicing. Shellpoint is reporting on my husband 's and my credit reports that we are 120 late and transferred to another lender. 
After the sale of the house! 
We were under contract purchasing a property when this showed up on our reports in early XXXX. We have lost our lender and our opportunity to purchase the property. 
Our credit is ruined until this is resolved. 
I have called and e-mailed Shellpoint daily. 
E-mails include all documentation of sale of house. 
I can not reach a person with any authority to rectify this. 
There is only one number to call XXXX. 
I will be reaching out to the Attorney General and a lawyer on Monday. 
I appreciate any help with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: KY

Complaint narrative:
I have been trying to get an issue resolved with Citi since XX/XX/XXXX ( today is XX/XX/20 ) to dispute several credit card charges. It has been nothing less than a nightmare dealing with Citi. I have spent many hours on hold, getting hung up on, given the wrong number and trying to use their chat feature to get no response or get a response from chat in the wee hours of the morning when I was not even available. When initially calling Citi their 800 # wouldn't even route you to a real person it would immediately route you to the automated system if you were lucky or it would hang up on you. I have asked to speak to supervisors and have been told they won't be able to call me back for weeks so just try calling back at another time. This has been a horrible experience. I have been with Citi for many years and have been a great customer and this is the treatment a loyal customer receives? I am a part of a XXXX group with many members who have Citi credit cards and their experience has been quite the same or worse. All over social media Citi is telling the world what they are doing for COVID-19 but won't even help existing customers. This has been so frustrating and I have been patient in trying to resolve this issue through them but it is basically impossible when they won't return calls, disconnect me or flat out just won't listen. I have also field a complaint with my Attorney General and will be filing a complaint with the NY Attorney General soon. Any assistance you could offer would be greatly appreciated. Please know I am NOT the only person this is happening to ... check Citi 's XXXX page for all customer complaints as many many customers are experiencing these same issues. I can be reached at XXXX should you need to speak to me. Thank you

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 2020-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My name is XXXX and I attended XXXX XXXX 9 years ago and now left in over XXXX in federal loan debt. The school closed down after finishing my program and I never received my diploma nor work in that related field. The school was a nightmare. I also qualified for the borrowers defense application that remains pending in the supreme courts along with thousands of other students in my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: NM

Complaint narrative:
Good evening, I have provided a dispute under the Fair Credit Reporting Act towards the amentioned originator of the previous debt owed and was granted to have the report dismissed from record. However, another company has bought the debt previously as well, which appears both companies were reporting negatively. 
My issue is if the originator tends to dismiss the debt and clears my name therefore I feel the second company should clear my name as well since the debt is no longer owed as it has been removed from the credit report. It appears this would fall under double jeopardy on this case. 
I respectfully request to look into this matter and possibly take appropriate course of action regarding over this matter. 
Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
Today I got a call from this person supposively working for Ace cash express he deposit me money but my account was blocked for fraud so i called and told him i was told it is fraud and i do not want the lend anymore and he told me to pay back I had to pay through Play store gift cards which seems not clear and I asked the lady in the bank and she only adviced me to report this because it is definetly scam, so the guy called me and threatened me with reporting that I dont pay back so i asked him to give me an existing account to pay back well he didnt and I told him to tell me where he was working at and he gave thia adress in XXXX which responds to a restaurant because this company does not serve in XXXX so apparently this is all fraud and when I told him i will be reporting him he told me he was going to send me a sherrif to my house. I do want to return the money if its a real company I just believe giftcards dont seem secure to pay back money at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: AL

Complaint narrative:
Tried to activate card but received a message saying it was temporarily locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
XX/XX/2020, my capital one credit card was deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09 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 booked a vacation back in XX/XX/2019 with XXXX for {$7200.00}. We were suppose to leave XX/XX/XXXX but with Covid, XXXX allowed us to change it to XXXX. Then we received an email XX/XX/XXXX stating they were cancelling us and they will not refund us but for me to contact my credit card company for refund. I can not contact XXXX at all. I have placed a dispute with Citibank and they gave me a temporary credit. Now they have removed that credit and stated that they favor the merchant. I didn't provide enough evidence of trying to contact XXXX. I can't! They have no way to reach them. I explained that on the phone when I spoke with them and in e-mail. I paid in full on my credit card for a vacation that I can not go on and Citibank will not protect me in this. This is against the Fair Credit Law. I have placed a police report in XXXX XXXX XXXX along with thousands of others. They have a special place on their website for just this. And Citi said I didn't provide enough information. I gave them all of the correspondence I have. They just cancelled on us. What else can I prove? I am on a XXXX page with others that have been wronged by XXXX and Citibank is the one of the only banks who wont back their customers unless they are reported for it. So I am reporting it and hopefully something gets done. Thank you

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 2020-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: NC

Complaint narrative:
I have been attempting to remove a fraud alert on my credit file from Experian for 60 days, only to be ignored when I call and forward mail that include my credentials such as : Purpose of the request, current utility bill, clear drivers license, and copy of my SS card. In contrast, Experian have not responded to my concerns to date so I can secure a loan from the bank that is essential to my financial future.

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 2020-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is NOT a duplicate claim. This is a claim in reference to claim XXXX with more information and attachments. I was advised by one of your phone agents to resubmit this claim. 

I had a promotional rate on the balance transfers I made to my Bank of America credit card and had set up automatic recurring payments. Everything was fine until the promotional rate expired in XX/XX/XXXX. At that time, my minimum payment went up. Nobody from Bank of America attempted to call me, email me, nor did their app send me any notification that my scheduled payment was not going to be enough to meet the minimum balance. The only way I discovered something was wrong was when I received a letter via the US Postal Service that my credit line had been decreased from {$11000.00} to {$9500.00} because I was late with a payment. It was then that I discovered that I was inadvertently late with the full payment due on the account and I was also charged a late fee. I called Bank of America to talk about what happened. I made the full payment due with the same representative that very moment. After I had made my payment, I requested that my credit limit be increased to the amount it was prior to the {$11000.00} that I had previously. A week later, I received a letter that they had denied my request for a credit line increase and gave a reason that my account was still past due. The denial letter was dated the same day as my call and payment. The attached statement shows the payment was made on XX/XX/XXXX, which was the same date. However, as I noted above, it was not past due when I made the request. I paid the amount due before the request was submitted by the representative. Because I was getting nowhere with Bank of America, I filed a complaint with the CFPB. The company received this complaint and attempted to contact me to verify my identity. I called the company back many times at the number listed in the message to try and get in contact with the agent assigned to my complaint. The agent never picked up his phone when I called even though I called multiple times during different times of day on different days. He never called me back after the voicemail despite how many messages I left for him to return my call. Bank of America then let the complaint age for 60 days before claiming they tried to verify my identity but could not.

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 2020-05-09 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: NY

Complaint narrative:
I sent {$570.00} to my Account in XXXX on XXXX XX/XX/2020 by Remitly. Its not deposited to my account. They dont have any customer service. Customer chat, phone and Email is unavailable. So I cant get any help from Remitly. Transfer XXXX XXXX. Also lots of people complain same problem with Remitly in reviews. Hopefully I will get help from consumer finance. Please take a action about this matter. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Ditech Financial LLC
State: NC

Complaint narrative:
In XXXX i called and complained about Greentree Services taking my name off the account to push it thru from XXXX. When I called they told me XXXX merged with Greentree and they took all the accounts. They took my name off and put my cousin who was the original cosigner when we initially purchased the home. I paid for years to find out the 3 bedroom mobile home was in my cosigner 's name only after paying over 11 years. He never paid XXXX. Greentree took my money and sent the bills to me for years. I complained about them in XXXX trying to settle why my name was off the paperwork. Reps called harassing about the payments when I was late but I kept paying. Im a XXXX year old lady that paid for this home all these years and was told a settlement check was going to be paid to the person name on the account and refused to talk to me. I have receipts and billing statements they sent to me in my name and his. When I asked the cosigner if he recd a settlement check he refused to say. I have my proof and taking him to court but was advised to complain online to CFPB. Please assist. CI really need my owed money Greentree from me. Feel free to XXXX. I have the cosigner 's address and phone number and will supply when need be to resolve this situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I send follow letter to Westlake Financial Dear Sirs ; Last XXXX / XXXX2020, I spoke with 2 customer service agents, and nobody supported me in my request, the first person hung up on me, Agent XXXX XXXX, and the second character, I don't even remember the name, by the way he does not speak Spanish very well, he was a man who informed me emphatically that they CAN NOT HELP ME. 

This day ( XX/XX/26-2020 ) I spoke again, to request help, in the sense of the EXTENSION OF 2 MONTHS of payment of my credit, I have been without a job since last XX/XX/2020, to date ( COVID-19 ) I have been punctual with my payments, but I am like a good percentage of the world population, with financial problems due to lack of income. 

So in the most attentive way, I ask you to approve the extension request, so that the lack of payment does not affect my credit record. otherwise I will find myself in the painful situation of stopping paying the credit and going to whoever is competent to denounce the lack of support from Westlake Financial. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Hello, We have refinanced our condos from ditech to XXXX. Our taxes for the condos were withheld monthly and out in an escrow account at ditech. The amount is XXXX in our account. 

During the refinancing XXXX  and ditech were supposed to move over this amount or reimburse us. 

None of that happened. Ditech sold all their loans to XXXX  XXXX and now I cant get hold of anyone. 

We sent a letter to ditech 15 days ago with XXXX  and didnt hear back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NJ

Complaint narrative:
I had cellular phone service with XXXX. I lived in XXXX XXXX  when I got the device and the service was ok. Not good. Ok. It never worked In XXXX XXXX XXXX which they attributed to a it being busy. Then I met my fianc. She is a XXXX. I moved from XXXX XXXX to XXXX to be with her after about a year of dating. I noticed I often had no bars of service in our home. I complained numerous times to XXXX  and it was always the same person. I believe his name was XXXX. Im not sure. Anyway XXXX told me the service was great in my area. Full of 4G. Maybe just my house was bad. Then one day I had no service at all. From XXXX to XXXX NJ where I work. The tower went down and remained down for over 8 hours. They told me at first theres no problems. Then there tech support on XXXX acknowledged that a tower was down. They credited my account only after I filed a complaint with the fcc. Then my phone stopped working in my house. A bill I have to lay out payments for every month. I filed another complaint with the fcc after getting no help from XXXX. XXXX contacted me again. When I voiced my displeasure I was told service isnt guaranteed indoors. Use WiFi calling. This is not how you resolve an issue. XXXX then credited me XXXX dollars. Then about a month later when I was at XXXX XXXX  in XXXX NJ I had no service again. This time my XXXX  girlfriend fell out of her XXXX  and couldnt get off the floor. She laid on the floor XXXX for over two hours because I had no phone service. I again spoke to XXXX  at which point I requested to be let out of my lease. I was told under no circumstances do we do that. So I I had no choice but to switch on my own to a reliable company. I returned XXXX device. The service and customer service was unacceptable. Then in the middle of the night they attempted to just charge my bank card on file XXXX dollars. I dont feel I should owe this debt. I must have filed 9 fcc complaints in 4 months living in XXXX NJ. XXXX never attempted to resolve anything. They just want to push you aside and tell you how great they are. Telling me to use WiFi for service indoors is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: FL

Complaint narrative:
With the Care Act, student loans were put into forbearance. My daughter is buying a house and I want to refi my home. Her score dropped by a number of points because her federal student loan was reported in forbearance. ( she has no lates and has paid off her wedding debt in XXXX. This should be corrected immediately. The credit score should not be impacted by this. I pay her loan and I am a co-signer. I can pay for her loan. I was never notified nor asked is I wanted this. I know this is to help the country. I am not against that. But you are helping on one hand and slapping with the other. We need to get this fixed for her asap. She will have to pay a higher rate because her score is affected. She is at XXXX now. Her Mortgage score will be lower, I am sure. Her mortgage score before this was above 720.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Today, XX/XX/XXXX, I attempted to get my free annual credit report. XXXX was successful, EQUIFAX SAID THEY COULDN '' T GIVE ME BECAUSE I ALREADY GOT IT! Not true! In fact, My last report pull was XX/XX/XXXX. 

EQUIFAX refuses to answer their phone lines and has no place for me to resolve what's going on. I suspect my acct was compromised because I received an alert email from XXXX  earlier this week. I am concerned! I want immediate access to my report, want to confirm my credit freeze is still on from this unethical, loose company. And yes, my account was part of the breech. 

These company 's should be prohibited from gathering and maintaining my personal info, especially when there is no way to access or fix their numerous errors. I am being impacted without my consent. Break them up. Demand they staff and answer phones. 

PLEASE, PLEASE, PLEASE - I need a copy of my credit report ASAP. Thank you.

Company response to consumer: Closed with explanation