vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-30 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: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
The Money Source dinged my credit report in XXXX stating that I missed one payment. They knew the house was going to close on XX/XX/XXXX and they would be paid in full. They have not informed the credit bureau that they have been paid in full. They have admitted that they overcharged me and I have yet to receive a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST
State: AZ

Complaint narrative:
On XX/XX/XXXX, our RV loan was paid in full via cashiers check. Bank of the West did refund the overage of {$21.00} as the payoff was a 10-day window estimate. 
On XX/XX/XXXX, an electronic payment in the amount of {$270.00} was debited from my bank account and paid to Bank of the West in error. 
On XX/XX/XXXX, when I discovered the overpayment, I phoned Bank of the West to get the issue rectified. The Bank of the West representative I spoke to was XXXX. XXXX confirmed the overpayment was received and he said he would create a work order to get a cashiers check in the amount of {$270.00} issued back to me. He said it would take approximately 5-7 business days for this to occur. 
On XX/XX/XXXX, I still had not received the refund check, so I called Bank of the West customer service. XXXX is the representative I spoke to. XXXX told me that nothing had been done to get the refund check issued and Bank of the West is requiring proof that the {$270.00} was paid to them from my account. I was appalled to hear this information. I asked XXXX if anyone was going to let me know of this new requirement and was met with silence. I asked XXXX what type of proof I needed to provide. She said I would need to send a fax and a copy of my bank statement showing the withdrawal from my account. She also stated that I would need to follow up in the future on this issue. 
I am extremely upset and disappointed in the turn of events and the lack of customer service. The first representative ( XXXX ) was very professional and friendly. He had no problems seeing the overpayment in the system and taking the steps to get a refund issued to me. At no time was there mention of sending any additional documentation. Now, mysteriously, XXXX is telling me she cant see the overpayment in the system and that nothing has been done for over 3 weeks and no one bothered to even notify me. I have sent Bank of the West a copy of my bank statement showing the overpayment and requested a call back.

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 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Due to the recent pandemic, my mortgage company offered Covid 19 protection, we decided to accept the offer, however we were able to make all the payments during this time period. the problem is that the Mortgage company ( Carrington Mortgage ) MISAPPLIED one of the payment in XXXX, and due to this misapplication both mine and my husbands FICO score have dropped 35 pts!!!, I have called Carrington Mortg. numerous times, talked to the escalation dept, and this has  been NO HELP at all. 

My next step is our local XXXX XXXX, to hopefully bring this to a head. 

I have been more than patient with this mortgage company, however I need your help PLEASE. 
I have been denied credit, my husband had been denied employment every month we make a payment were being reported as 30 day late!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Wells Fargo sent me a free intrest for 18 months application. I responded with a request for XXXX plus to pay XXXX who were charging me intrest on that amount..Wells Fargo turned down my application and I assumed that was the end of it. Two weeks later I recieved a bill from Wells for XXXX plus that they said I agreed to and this went to XXXX. I agreed to nothing in regards to Wells and was surprised they did this. I spoke to a Wells person a few weeks back and she suggested I contact XXXX and request the funds that Wells sent them back to me. I find this not the proper way to do this.I have good credit and dont want this to damage it. Wells Fargo is dishonest with these tactics.

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 2020-09-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lendmart, LLC
State: CA

Complaint narrative:
Lendmart is threatening to take me to court, via emails and calls. The debt was originated in 2017 and I have made every attempt to work with a debt consultation agency in writing. I have worked with debt resolutions center regarding this account and payments were made to Lendmart via XXXX  XXXX  debt resolution company. I am no longer able to continue my account with XXXX It and Lendmart continues to threaten me via email. They have said they will contact my employer and garnish my wages, I am a XXXX  and I only work part time due to COVID 19. My hours have been reduced due to the pandemic and I am severely affected financially. I am on assistance from the HERO act and I can barely afford my bills. Lendmart states they have sent my account to collections but it does not appear on my credit reports nor do they use an outside party to send their emails. They still own my account and are being dishonest about having the account go to collections to a third party. 

I am providing a copy of their correspondence with me below : " If you do not do one of the three things listed below within fifteen ( 15 ) days of the date of the mailing of this notice or of its service by the court, we will go to court, unless we are otherwise precluded by law from doing so, and ask that your employer be ordered to withhold money from your earnings until the judgment is paid in full or, if applicable, is paid to a certain extent and to pay the withheld money to the court in satisfaction of your debt. This is called garnishment of personal earnings. It is to your advantage to avoid garnishment of personal earnings because the placing of the extra burden on your employer possibly could cause you to lose your job.

YOU CAN AVOID THE GARNISHMENT BY DOING ONE OF THESE THREE THINGS WITHIN THE FIFTEEN ( 15 ) DAY PERIOD ( 1 ) Pay to us the amount due ; ( 2 ) Avail our 50 % settlement offer ( 3 ) Via Debit card There may not be enough time to set up an agreement for debt scheduling in order to avoid a  garnishment of your wages based upon this demand for payment, but entering into an agreement for debt scheduling might protect you from future garnishments of your wages. Under an agreement for debt scheduling, you will have to regularly pay a portion of your income to the service until the debts subject to the agreement are paid off. This portion of your income will be paid by the service to your creditors who are owed debts subject to the agreement. This can be to your advantage because these creditors can not garnish your wages while you make your payments to the service on time. 

Thanks, XXXX XXXX Account Manager/Collections Phone : ( XXXX ) XXXX Press XXXX  Direct Line : XXXX Fax : XXXX Website : www.lendmart.net ''

Company response to consumer: Untimely response
Consumer complaint received 2020-09-30 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: NY

Complaint narrative:
XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX All the inquires from : XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX US SM BUS ADMIN ODA

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 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
Americredit pulled my credit without authorization on XX/XX/2020. As a result there is a hard inquiry on my XXXX credit report negatively impacting my credit score, which will remain there for two years unless they provide a " deletion letter ''. The company was contacted by phone when the issue was discovered. I was told they had no record of accessing the credit report and agreed to provide the letter of deletion. The letter was never received. Several follow up attempts, including an email sent on XX/XX/2020 have been disregarded. I have no other recourse or way to remove this inquiry from my credit report. Only they can rectify their error and they refuse to do so resulting in my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
We have repetitively requested an RMA but have only been met with increased payments rather than lower, information not sent, incorrect wage information, lack of reviewing our current salaries, inflated inaccurate appraisal, constant turnover of employees, we have yet to speak with any person more than once. It has been an exhausting, draining gargantuan effort on our part to the point of just plain mentally abusive behavior on the part of SPS. 
We are including a 54 page dialog and example of our strident attempts at a resolution. This packet ONLY encompasses the months of XXXX - present. 
After review, we are confident you will find all the information needed to outline actions, dates and amounts. 
The packet runs chronologically from most current to earliest dialog in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: AFNI INC.
State: MN

Complaint narrative:
So I Lost my wallet in the year of 2013 when i turned 18 and went to apply for something i seen my credit had been breached and someone was using my names for multiple reasons i have also proved this to bureuas and everything have been verified and got removed including this. and now its back on my credit lowering my points even more because its appearing as just happened which isn't cool because its like haunting me now and not going away when it just was gone im lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is in repsonse to XXXX about WELLS FARGO CARD SERVICES. 
: XX/XX/2018 Card needs to be approved based on the credit report that was pulled from this account. 

Wells Fargo never asked me for my residence status. This card was denied due to " non-resident status '' How could they possibly know my residence status if they never asked? 

Please see MITZIE PEREZ, et al., Plaintiffs, v. WELLS FARGO BANK, N.A., Defendant. 
Case No. 17-cv-00454-MMC

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 2020-09-30 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: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
So I Lost my wallet in the year of 2013 when i turned 18 and went to apply for something i seen my credit had been breached and someone was using my names for multiple reasons i have also proved this to bureuas and everything have been verified and got removed including this. and now its back on my credit lowering my points even more because its appearing as just happened which isn't cool because its like haunting me now and not going away when it just was gone im lost.

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 2020-09-30 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: I.C. System, Inc.
State: MN

Complaint narrative:
So I Lost my wallet in the year of 2013 when i turned 18 and went to apply for something i seen my credit had been breached and someone was using my names for multiple reasons i have also proved this to bureuas and everything have been verified and got removed including this. and now its back on my credit lowering my points even more because its appearing as just happened which isn't cool because its like haunting me now and not going away when it just was gone im lost.

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 2020-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I received a notice from XXXX  that I had a debt collection added to my account. I checked XXXX XXXX and sure enough CBE Group placed a collection account on my credit report for XXXX, XXXX  and I'm assuming XXXX. They say the account was opened on XX/XX/XXXX and the remark was because of a natural disaster. The original creditor is XXXX ( XXXX ). I currently have an account with XXXX  and the account is paid and in good standing so I have no idea what this collection is for. I have changed service twice with them and nothing has ever been said about an outstanding balance. In addition, I have never been contacted by the CBE Group in relation to this issue prior to it appearing on my credit report or after. It appears that they backdated the matter since I get an email from XXXX  anytime something changes on my credit report. I recently refinanced a house and it didn't appear before the XX/XX/XXXX closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
XX/XX/2020 started my new campaign to work something out with my mortgage company, BSI Financial Services. I was told I was approved for their loan modification program. BSI agreed to offer  me a loan modification in XXXX as long as I make 3 on- time payments. I am doing and did exactly what they ask and then I received a foreclosure letter from a lawyer, in the middle of the terms of their agreement. I have continued to make my payments as per our agreement. My attempts to reach out to BSI have been unsuccessful. My calls are not returned, and I am hung up on when I type in my personal information. Before BSI AGREED to work with me, I OFFERED to pay HALF of my arrears before the start of my modification. The BSI loan personnel SAID NO, to be exact, it is not necessary!! She stated BSI will put the amount at the end of the loan as long as I met the agreed 3-month trial pay period. She  even quoted a lower modification amount and I chose to continue to send in the same amount, asking it to be applied to my arrears. I told her until I get the confirmation letter of my modification, I will continue to send my established mortgage payment. The lower amount was more than {$100.00} less than my actual payment. She explained I would not receive any paperwork regarding my modification until I met my agreement. We are still in the middle of the agreement and I received a letter stating my home will be sold in 30days. And no one from the company has answered my calls since I received the lawyer 's letter. BSI made an agreement, refuse to honor it, and now is selling my home from underneath me even though I am paying my mortgage. Why is this company being allowed to do this doing this tremendous world health crisis? 

I am in no way denying my obligation to my mortgage. I am continuing trying to reach out and I am continuing trying to meet my obligation to my loan. My state and federal representatives all have stated to the public to stay in contact, reach out, make a plan, and let your loan service know where you are and what you are doing in this crisis period. I am and I have. It has been a one-way street. I AM STILL PAYING!!! Why am I here? The money I am giving could  be used to try to secure my XXXX children and myself housing elsewhere if they were going to go here. Why didnt BSI tell me, too little, too late? Why give me false hope and allow me to deplete my finances to just turn around and go to this level. Now I am about to be put in a deeper crisis and hardship going into the holiday season because BSI decided to superficially offer hope to just take it away ; without notice and without me NOT meeting the agreement.

Where is the justice? Where is the humanity? They are not even the owners of the property. How can a third party have the authorization and rights to swindled homes with their predatory and deceptive financial practices legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect
State: WI

Complaint narrative:
Someone claiming to be calling from Americollect keeps calling my job asking to speak with me, and leaving me voicemail messages regarding a medical debt. They have been calling several times a week for at least the past year ( XXXX - XXXX ). I have contacted them in the past and asked for an itemized bill regarding the debt they claim I owe. They told me how much it is verbally but I have not received the bill to review and possibly dispute. I have asked them not to call my job and to remove any work numbers they have for me including XXXX, XXXX, XXXX and to only contact me via my cell phone number I provided them XXXX. I really don't want to talk to them at this point what I would like is an itemized bill to review to determine if I truly owe the debt they are calling me about, until then I would appreciate if they stop calling me because at this point it is stressing me out. I am a supervisor and my staff are receiving these calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/2020, I closed out a HELOC and I was supposed to get a refund of {$240.00} for the principal that I had paid. Bank of America has not refunded me. Today is XX/XX/2020. I have called them, went to meet with them and all they have said that a refund check was mailed to me on XX/XX/2020. I have not received that check. on XXXX XXXX, they stated on a call with them that they would investigate the lost check adn reissue the check. XXXX, who I spoke to gave me a case number # XXXX. I am on hold waiting to speak to a representative right now and have been on hold for over 40 mins. I don't know what to do to get my money back.

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 2020-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Company is showing these debts on my report and I have disputed them but these are not mines so I have done my part by disputing those items as instructed

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 2020-09-30 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: U.S. BANCORP
State: PA

Complaint narrative:
my relia card account has been locked for a week..i have bills to pay and kids to feed ... i need my account unlocked ASAP

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