vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC
State: CA

Complaint narrative:
I would like to place a formal complaint against Citadel Servicing Cororation, the financial company with whom I have the mortgage of my house.I have noiced that during the past 2 months they are transferring their operations from XXXX XXXX XXXX CA ) to XXXX ( G ). This process has been a disaster because of their lack of transparecy to their customers, incompetency, chronic chaos and disarray in this company. I had to spend {$44.00} XXXX {$15.00} fee & {$29.00} USPS-Overnight Delivery ) because of their threath of reporting to Credit Bureaus, thus damaging my hard earned credit history.. 

I have had various prblems with them virtually from the onset XXXX XX/XX/2018 ). I do hope that you would be in a position of helping me to deal with this company. 

Best regards, XXXX, XXXX XXXX XXXX am open to discuss the dtail with you anytime you choose as I refrained from using vital account numbers, etc ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BBVA FINANCIAL CORPORATION
State: PA

Complaint narrative:
On Thursday XX/XX/XXXX, I sent a check worth XXXX to BBVAs check deposit address. My bank is Simple which is serviced by BBVA USA. On Monday, XX/XX/XXXX, I found a pending deposit of XXXX on my account. I initially thought this was a placeholder amount. On Wednesday, XX/XX/XXXX, the deposit posted for XXXX and I contacted them multiple times to rectify this error. I have only been told that it could be many days before resolution. 

This money is time sensitive. I will be default on contracts that may cost me thousands because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX is reporting 2 accounts to my credit report that i do not recognize, i have tried to as them to verify/validate. this debt 4 times and i have yet to receive a signed contract for either account. XXXX has deleted thhem both as thhey are not able to verify/validate this account ... experian delteed one ... XXXX has not deleted. any ... .are. they not supposed to follow suite by law? i need this deleted immediately as they are in violation

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 2021-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: ND

Complaint narrative:
XX/XX/XXXX {$1300.00} was reported being owed to XXXX XXXX XXXX XXXX. 
XX/XX/XXXX {$840.00} was reported being owed to XXXX Virginia XXXX XXXX. 
XX/XX/XXXX {$1800.00} was reported being owed to XXXX XXXX XXXX XXXX. 
XX/XX/XXXX {$150.00} was reported being owed to XXXX XXXX XXXX. 
XX/XX/XXXX {$360.00} was reported being owed to XXXX XXXX XXXX. 
XX/XX/XXXX {$430.00} was reported being owed to XXXX XXXX XXXX. 

On XX/XX/XXXX I called Credit Control Corporation XXXX XXXX XXXX, VA XXXX XXXX ) and informed them that I had previously disputed this information via XXXX as this debt does not belong to me, but my dispute was unresolved due to there not being enough supporting information. Once I provided my name, she said " that appears to be a really common name, can I have your date of birth ''? after providing her with my birth date, she says " hmmm, that didn't narrow it down much, lets search by your social security number. '' So it is obvious that there are multiple accounts with the same name and date of birth as mine. I asked them what they needed of me, and was told that the debt is obviously mine, and I must have just moved from XXXX XXXX, where they sent my bills. I then informed the woman I was speaking with that I have never even lived on a XXXX XXXX She asked me for my current address and said she would be happy to send all the bills to me, but that is all. 

In XXXX, I encountered Identity theft. My debit card was " skimmed '' according to the police department, since I still had physical possession of it. Then, when tax time came around, I received a bill from the XXXX with my name on it in addition to a " XXXX XXXX '' whom I have never even heard of before. I filed an ID Theft report with them, and they fixed that for me as well. Now, I am having all of these medical bills show up in my collections history for XXXX 's offices that I have never even been to. I have asked multiple times for them to send me proper correspondence showing that it was " actually me '' that obtained these services rendered, and to no surprise none of that is produced for me. I am trying to purchase my first home, and my banker said even though these accounts are showing " closed '' there are still balances behind them, which is preventing me from obtaining my XXXX loan. She suggested reaching out to whomever I can to figure it out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
There is a fraudulent bank account that is reporting on my XXXX and Chex reports. I have viewed my reports and I have never opened this fraudulent account. This account has destroyed my ability to create relationships with new banks and is hurting me in ways unimaginable. It is extremely unfair that I have to deal with this when the fault is not my own. As a consumer reporting agency, you too fall under the laws of the Fair Credit Reporting Act. I am enacting my consumer rights by disputing this fraudulent information. According to section 605 B of the Fair credit reporting act, this account must be removed from my consumer report immediately. Failure to comply will be seen as an illegal act under FEDERAL LAW.

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 2021-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH mortgage service is trying to shorten my forbearance terms by overlapping three month periods. I made XXXX payment in XXXX and then at the end of XXXX I called to get a three month forbearance starting in XXXX. Yet they are counting my forbearance as starting in XXXX because thats when I happened to place the phone call. Even though I already gave them marches payment. And I didnt apply for the forbearance until after I made that payment. 

This is all pandemic related and Im at the end of my fourth three month forbearance period. 

So before my next extension I should owe my next payment starting XX/XX/XXXX. But they show me as two months late as if I owed for XXXX and XXXX. 

When I talked to them on the phone they mentioned apparently sometime at the end of my second three month extension in XXXX I had called at the end of the month to extend starting the following month, and they did the same thing. Overlapping it again. 

Their fuzzy math allows them to provide the obligatory 18 month period in less than 18 months. In fact if I had called at the end of the last month in each three month period, to set up another extension, I could wind up being as much as four months short based on their math. 

XXXX XXXX says I can get up to 18 months, and with PHhs creative mathematics they can potentially squeeze that 18 months into a 12 month period. 

When this pandemic is over and the country starts re-opening, Im still going be one of the last people to resume work based on the kind of work that I do. So Im going to probably need the entire 18 months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was given two American Express Reward Cards for a retirement gift, one for {$1000.00} ( # XXXX XXXX XXXX ) and one for {$500.00} ( # XXXX XXXX XXXX ). Upon trying to use the cards after the expiration date on the cards American Express told me once the expiration date passes, American Express keeps any unused money as stated in the card agreement. The cards were never used. The cards were given to me as a gift without any paperwork. On the face of the card they are labeled American Express Reward Card and have an expiration date. On the American Express web site there are numerous reward cards listed with their related agreements as follows : American Express Reward Card ( Freedom ) American Express Reward Card ( {$2.00} at 12 Month Fee Down ) American Express Reward Card ( {$2.00} at 6 Month Fee Down ) American Express Reward Card ( {$3.00} at 12 Month Fee Down ) American Express Reward Card ( {$3.00} at 6 Month Fee Down ) American Express Reward Card ( Sweep ) Only the Sweep card expires, all others can be reinstated after the expiration date. There is no way to tell by looking at the physical card given to me that it is a Sweep card. This is very misleading, to be fair to consumers American Express should clearly state on the face of the card the type of card and the fact that it is a use it or lose card. This is especially deceptive given 6 of the 7 Reward Card agreements do not expire.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
New mortgage servicer has all of my information wrong and refuses to correct it, or even call me back. The inaccuracies listed below are part of a open ticket # XXXX. I really don't see that its my fault that they do not know what they bought in my loan from XXXX. 

" Please update my account to the correct info. 

XXXX said they took the loan XXXX, I have a letter from XXXX saying it transfers on XX/XX/XXXX. 
The amount owed XXXX is showing is $ XXXX my loan remaining amount is roughly $ XXXX it shows I am accruing interest daily at the $ XXXX rate, possibly with late charges since XX/XX/XXXX, why? 

XXXX says XXXX payment hasn't been paid, I have paid both XXXX and XXXX payments early. 

My Insurance is prepaid for the year ( in full, XX/XX/XXXX ), so, why we are XXXX taking extra insurance for XXXX, as shown in Escrow breakdown? 

The info in account is in quite a poor state. Please let me know when all this will be fixed '' XXXX refuse to mail me back or call me. When I call in, the customer service rep has no clue about anything other than what's on his screen ( wrong information ) then, I'm on hold for a supervisor for over an hour then the phone hangs up before the Supervisor answers.

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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a letter to the credit bureaus, asking them to investigate multiple errors that appeared on my credit report. To my understanding, they are supposed to investigate my concerns, and respond back to me with the results of the investigations within 30 days. However, I have yet to receive a response. In fact, two weeks ago, I sent follow-up letters to all three bureaus, and they none of them have yet to respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a letter to the credit bureaus, asking them to investigate multiple errors that appeared on my credit report. To my understanding, they are supposed to investigate my concerns, and respond back to me with the results of the investigations within 30 days. However, I have yet to receive a response. In fact, two weeks ago, I sent follow-up letters to all three bureaus, and they none of them have yet to respond to my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX i sent a letter to the bureau regarding Inaccurate accounts being reported to my credit report. It has now been over 45 days that I have not received a response, I feel as though my request has been ignored. In this time of pandemic my credit report is crucial to me regarding that I must use it to feed and shelter my family who are unable to work and provide for themselves in this unfortunate time that Covid-19 has caused. Section 611 ( a ). States that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report, it has been over 45 days so these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused not only me but my family as well in this time of uncertainty. My information has also been impacted by the equifax data breach which could also been in relevance to these erroneous accounts reporting inaccurate items on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Volvo Car Financial Services U.S., LLC
State: OH

Complaint narrative:
In XXXX, I purchased the vehicle I had been leasing through Volvo Car Financial Services. They were paid for the vehicle plus the taxes for the state of Ohio. They sent a check to the state of Ohio for the taxes but the amount was incorrect so they voided the check. In XXXX my credit union called and asked me to call VCFS because the check had not been received. I called VCFS and was told that they had sent a check to me made out to the state of Ohio on XX/XX/XXXX and that I should wait because the postal service is running behind. On XX/XX/XXXX I contact VCFS and talked to XXXX. She submitted to have the check recut and requested that it be send overnight with a tracking number. She stated that she would call me back to confirm that it would be over nighted. She did not call back. On XX/XX/XXXX I called VCFS and talked to XXXX. She confirmed with XXXX that the check was supposed to be overnighted and promised to look into it and call me back. She did not call me back. On XX/XX/XXXX I called VCFS and talked to XXXX and then XXXX XXXX the customer service lead who tried to confirm that the check would be overnighted but could not. XXXX assured me that she will call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Colony Brands, Inc.
State: TX

Complaint narrative:
This is a formal complaint against XXXX XXXX located in XXXX, WI This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed an account on my credit report with Experian. 

They show an account with XXXX XXXX XXXXXXXX on my credit report ( this account does not show up on my XXXX or XXXX credit reports ) that I have never seen in my life. 

I've contacted multiple people at XXXX XXXX XXXXXXXX who have confirmed that there is no record of my social security number or name in their system. The account in question was opened in XXXX, when I was less than XXXX XXXX XXXX. My family has never worked with XXXX XXXX XXXXXXXX either. 

I disputed the issue on XX/XX/XXXX and the dispute was closed XX/XX/XXXX as a valid report. I have called Experian and they have refused to provide any additional information about this account or how I can dispute it further. Nobody I've spoken with at XXXX XXXXXXXX XXXX knows how to assist me further with this issue. 

I spent over 3 hours on hold with various representatives at Experian today who have been rude and disinterested in helping resolve the matter. They tell me the dispute was closed and is considered resolved. Today, XX/XX/XXXX, I spoke with 'XXXX  ' at XXXX EST at Experian and he refused to help me escalate the issue within Experian or connect me with his manager. 

This inaccurate credit report is severely impacting my ability to be approved for a new home mortgage and, if it is approved, is severely impacting the interest rate of this mortgage. 

Experian is abusing their power as a credit bureau and needs to be held accountable for their inability to do the only job they are responsible for.

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 2021-03-25 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA : Experian Issue : Removed a closed positive account from Reporting without passing XX/XX/XXXX year XXXX XX/XX/XXXX. The item was there in the report on XX/XX/XXXX. 

Item : XXXX XXXX Opened XX/XX/XXXX and Closed XX/XX/XXXX. 

On XX/XX/XXXX Called Experian Customer service and the Dispute Department Agent said they didn't delete it and there were no disputes against the item. Asked to call creditor if deleted it. 

XX/XX/XXXX called " XXXX '' Credit Bureau and verified that they didn't send a Deletion. 

XX/XX/XXXX Called back Experian again and they say they can't add the record back to the credit file. 

Impact : The wrongful deletion caused my Mortgage score to drop 18 point making my ability to Qualify for Mortgage which I need to Close in about 3-weeks.

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 2021-03-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
I received TAP and federal loan to attend XXXX XXXX in 2014. I dropped out during my 3rd or 4th week. I was never told that I had to repay XXXX for a full semester, in the amount of {$3700.00}, nor that I would be responsible for whatever payments TAP or the government did not pay after dropping out. I am now being harassed by a debt collection agency weekly and the school refuses to explain why that without any legal documentation should I be responsible for a loan I never accepted from the school. I have reached out and emailed the schools financial department who has insisted that I pay this debt even without any legal proof that I am responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I applied for Citi Credit card, which was auto rejected. Application ID XXXX. I tried to get reconsideration but representatives kept putting onus on Credit reporting agency XXXX stating I had too many credit inquiries reported in short period. I opened XXXX account to see what it was given I have an 800+ Credit score. According to XXXX I have three total inquiries in past 2 years. One on XX/XX/XXXX and Two on XX/XX/XXXX since I applied for an XXXX XXXX card on same day. I still have NOT received an official letter in mail indicating the exact reason for rejection on paper even though it's been > 30 days. I learned when I had called the customer service right after.

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