vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a home equity line through Webster Bank. I send additional money every month with my normal interest payment. Although I am not sending in the payment coupon every month with my payment, as my checking account financial institution is mailing checks for me and I'm not capable of placing comments with the payment, Webster Bank is not applying the additional funds to principal. It appears they are placing the additional funds in an suspense account until they can apply an additional interest payment. I placed a formal complaint back in XX/XX/XXXX for the same reason. I'm unable to verbally discuss my account with Webster as I was in a Chapter XXXX bankruptcy ( with these payments being made outside of the payment plan ), and I'm advised I have to speak to my attorney. I honestly do not know if the actual amount of unpaid principal balance they show I owe is accurate. The last time I placed a formal complaint they did have to make adjustments, and I was told my account was reconstructed. So far in XX/XX/XXXX I have not seen and principal payments being made to my account from the additional funds that are being sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Under the CARES Act my loans were put into forbearance, however it was reported my credit score dropped almost 50 points. Its saying a remark has been removed from each loan account.

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 2020-06-08 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: AES/PHEAA
State: LA

Complaint narrative:
Under the CARES Act my loans were put into forbearance, however it was reported my credit score dropped almost 50 points. Its saying a remark has been removed from each loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I made a payment on XX/XX/XXXX, that payment was for the month of XXXX, I made another payment on XX/XX/XXXX for the month of XXXX, because I was going to be traveling, then I made a payment on XX/XX/XXXX for XXXX, when I check my statement in XXXX I call the company ant told customer service to apply the payment correctly, she said I paid XXXX payment to early but she will take care of it, I have call two more time and they will not change the account. The also are reporting the account as past due to the 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 2020-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
On XX/XX/2020 we contacted our mortgage company ( PHH Mortgage Corporation ) to inquire about re-financing our existing mortgage. We have been paying on the existing 30 year mortgage for 19 years and wanted to get out some of the equity to pay off some credit cards. The remaining balance on the mortgage was {$120000.00} and we wanted to get {$25000.00} out after re-financing. Also to get a lower interest rate, since we have been paying 5.75 % for 19 years. After providing all of the requested information over the phone the representative submitted the information for preliminary underwriting. She indicated that it did not pass but could not provide the reason. Initially she thought it was related to the debt to income ratio. But after eliminating debt to income as the reason she re-submitted it, and it still did not pass. She could not give the reason. 

I asked if we would receive something in writing explaining why it was denied. She indicated that we would receive a letter through their secure portal with the explanation. On XX/XX/2020 the Statement of Denial appeared in the portal with only one check mark checked under the category " Other '' it said " Credit application incomplete ''. We provided all the information that was asked of us. We allowed her to pull our credit files and do verification of employment. We have never made a late payment on the existing mortgage. In the absence of any other explanation, I'm left suspecting that we were denied because we indicated that we were of XXXX XXXX  descent. We hope this is not the case, and that your agency can get a reasonable explanation for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
In XXXX of XXXX I opened an Uber Visa credit card through Barclaycard US due to their great 4 % rewards program on fast food and restaurants. Over the course of about 2 years I have collected {$250.00} in rewards. In XXXX of this year ( XXXX ) with only a few months notice they changed their terms so that their rewards are only able to be cashed out into " Uber Cash '' which is only accessible in their Uber ride hailing app. This is massive change and is not at all what I signed up for with this account. 

I received only two notices, that were both flagged as spam and subsequently never read, on XX/XX/XXXX and XX/XX/XXXX. These unseen notices touted the benefits of Uber Cash while wholly downplaying the fact your earned rewards is now entirely stuck in their system. I never received any mail or postage alerting me to this change. I am now out over {$250.00} I earned for using their card because of this bait and switch tactic that was done without proper notice. 

After failing to redeem my rewards on XX/XX/XXXX I called customer support for assistance only to be alerted to this change for the first time. I was still under the impression nothing had changed with the card and had most recently used it for a food purchase ( given the former 4 % rewards ) on XX/XX/XXXX. 

I never signed an agreement agreeing to these changes. The only agreement I ever signed or affirmed was my initial contract for this credit card.

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 2020-06-08 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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient reported delinquency of my private student loan during the height of the COVID19 ( XXXX-XXXX  ) pandemic. The automated payments lapse, not because of inability to pay but limited and poor communication from Navient to re-establish payments. Once things were rectified in XXXX they proceeded to submit the negative history dropping my credit score 30 points. This has severely impacted my private practice as I have been declined credit to purchase additional equipment needed for my practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I used a Pentagon Federal Credit Union auto loan to buy out my leased vehicle. The title was sent to PenFed. PenFed did not take care of filing the lien, and instead sent me a clean title. They told me that I had to take it to the DMV and file the lien info for them. Soon after receiving, the DMV closed its doors due to the pandemic. Since I was not able to take the title to the DMV and do what they should have taken care of when they had the title, they increased my interest rate by 10 percentage points, added {$100.00} to my monthly payment, using a pandemic to their advantage and penalizing a member during a very difficult time. All this without one phone call or email to check in, ask for an update, or see if there was a way they could help ... I have terrific credit and have made every payment early, even paying them for GAP insurance on the loan. This is not a high risk loan that justifies a 14 % interest rate. I should not be penalized because my DMV and most of the economy has been closed down due to a pandemic. This is usurious and despicable while unemployment is rising and everyone is dealing with the current troubles of the world.

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 2020-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal have frozen my account on XX/XX/XXXX.and put a hold on {$9.00} USD for 180 days! 
after 180 days. on XX/XX/2020, PayPal Transformed XXXX USD from my account to their account. look at the picture down below. This is just unacceptable. 

i have invested a lot of money in inventory and advertising etc.I have worked hard for my money and it's disgusting what they are doing. They like to prey on smaller businesses who they feel don't have the means to fight back. That's complete robbery being performed under another name i was selling shovel.and all my orders were shipped and delivered through USPS.. 
they don't reply to my emails their phone lines are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo Card Services continuously keeps reporting invalid information on my credit report. I've been disputing the inaccuracy of this debt and it's reporting and they continue verifying false information without actually validating the debt. 

This company is acting in bad faith. I've never done business with them. 
Please request that this agency provides proof that this debt actually belongs to me, by adhering to The Fair Credit Reporting Act Sections 609 and 611 and providing the original contract bearing my signature, DOB, or SSN. 

This can't be done because I've never done business with 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 explanation
Consumer complaint received 2020-06-08 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: CT

Complaint narrative:
After learning that someone had access my profile and placed unauthorized delivery diversion instructions with a major package delivery company, once in XX/XX/2020 and then again in XX/XX/2020, I called/went online to request a freeze and get a free online copy of my credit report from Equifax and the other two major credit reporting agencies. In XX/XX/2020, I was told by an Equifax representative that I needed to submit a request and proofs by mail. I was told that the reason I needed to submit a written request with proofs was because I hadn't lived at my new address at least six months. Now, in XX/XX/2020, more than six months after I notified the post office and government of my address change, and nearly as long since I started using my new address at financial institutions and public utilities, I'm told by an Equifax representative ( only able to get through using my old address ) that I am still required to mail my requests and proofs, without any new explanation. I've had no difficulty placing freezes ( in XX/XX/2020 ) and getting free online credit reports with XXXX  and XXXX. My most recent XXXX  and XXXX  reports, generated XX/XX/2020, show my new address in the addresses section. XXXX  and XXXX  provided these reports to me online, through the XXXX website, in the same web session that I requested the Equifax report. I feel like I'm being singled-out and treated unfairly by Equifax, since the original reason Equifax gave for not providing the reports by phone/online is no longer valid, and they offer no new reason. When, years ago, I had an identity theft and tried to get a freeze and report from Equifax, and got the same response, only from Equifax and not the other agencies, about needing to mail proofs before they could do anything for me, so it doesn't appear to me that this is something new. I don't understand what causes Equifax to apply a different standard to me than they apply to some others - the most recent Equifax representative I spoke with said that not everyone is asked to submit their requests by mail and with copies of proof documents. Since Equifax only requires copies of the proofs, and not the originals, why don't they at least make it easier by allow submission of the copies online or by email? It makes me wonder if the company may be acting in such a way as to deter people from requesting these services from their company, while still conforming to the letter of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, I have received a letter from XXXX XXXX XXXX, about a dent with Citibank XXXX XXXX, which i have never request a loan to this ban, i have sent a dispute via mail ( I am including Documentation to you as attachment ) Also in the letter, my name is wrongly with them they have XXXX XXXX XXXX, which i don't have middle name on my legal name! Who ever stole my identity did't know my real legal name! Please help me with this scam collecting company to explain this is not my debt and have never get money from this bank!! 
also on Credit report with the 3 credit bureaus this collection DON'T SHOW! So its something weird on this collection as scam! 

Thank you so much! 
Sincerely, XXXX 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 2020-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Contacted them on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20. I was thrown around to every department. I reached out to see if there was an option for a settlement before my credit gets damage even further and they wouldn't even take my call and said that I would have to wait until they called me.

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 2020-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
I have an FHA loan. I am eligible for an FHA streamline refinance according to the rules set forth by FHA. Recently I applied with my current servicer for a streamline and was told they have recently implemented a minimum FICO for EXISTING CUSTOMERS. 

I understand that a servicer may not want to take on OUTSIDE customers below a certain FICO as it represents additional risk to their servicing portfolio. 

However, to apply an arbitrary FICO on a program that is not an FHA requirement on loans that you already service is of no benefit and has an adverse impact on their customers. 

Rather than improve their risk by LOWERING a customer 's rate, they are penalizing people in FHA loans that may be working hard to repair issues in their past. After my divorce, getting back into a home was a milestone for me. I do not need my mortgage servicer penalizing me for a loan THEY agreed to service in the first place. 

It feels as if they think I am trapped with them and can make more money by keeping me in a high rate loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CHOICE CAPITAL FUND
State: FL

Complaint narrative:
I received a loan amount. I have been paying it down and but the amount never seems to go down. Rather it is higher. They are hard to work with and the accounting records seem to not include all of the payments. This is a predatory loan and they are not helpful. They just want their money. They put my account which was in good standing in past due now even before the due date.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My husband and I have called Equifax several times to remove any hold on our account that could be preventing the lender from pulling our credit. We are trying to get a home mortage and every time the lender tries to pull our credit it always have a block. The message they are getting when they pull my credit is " credit reported fraudulent by consumer ''. The first time the lender tried to pull our credit it was a freeze preventing them now the freeze is removed and I don't know what else is blocking the lender from seeing my credit score from equifax. We've fax proof of identity several times to equifax. Please help and send some feedback on what we can do to get this issue fixed for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
On XX/XX/2020 I sent out debt validation letter for alleged debt. 
Letter was received on XX/XX/2020 @ XXXX XXXX I received a letter back on XX/XX/2020 The letter I received does not include all of the ( ten ) items I asked for. 

In my letter, I state " Please keep in mind, Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. ( 10 items ) ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
In early XX/XX/2020, I was contacted by a lender asking me if I was interested in refinancing my mortgage. They offered me an interest rate of 3 % with approximately $ XXXX in closing costs to be paid by me. I then reached out to my current mortgage holder ( Carrington ) and told  them about this. They told me that they would be able to offer me an interest rate of 3.25 % with XXXX closing costs to be paid by me. I decided to go with this option. On XX/XX/2020, I sent them all the required paperwork in order to lock the rate in. I communicated with them over the next couple months, sending them whatever documentation they needed. Then, on XX/XX/2020, I was sent an email from Carrington which stated : It turns out we had to deny the loan out. Fannie Mae and XXXX XXXX have ceased allowing rate lock extensions on Conventional loans due to the effects COVID-19 has had on the market. Unfortunately with how backed up processing has been, we were not able to meet the rate lock deadline. The rate lock then expired, therefor we lost the interest rate we had locked in place for you. I apologize for this, as it was not my anticipation when we had started this for you. I would say we could start over, but again, the market is not where it was when we started, and we would not be able to achieve the same rate without charging you a boatload of points. When things die down, and this whole thing is over you will be the first person I call to get this going for you again. Let me know if you have any questions. 

My complaint here centers around the fact that they talked me out of a deal with the other lender, and then backed out after over two months of waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: TN

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my 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 2020-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a letter from a place called XXXX XXXX that I formerly owed Synchrony Bank {$1700.00}.

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