vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
On XX/XX/2021 I received notice from XXXX Mortgage Servicing that my mortgage was being transferred to Specialized Loan Servicing LLC ( SLS ), XXXX, CA as of XX/XX/2021. Unfortunately I had already made a partial ( bi-weekly ) payment of {$3000.00} to XXXX for my XXXX payment. I have been told by SLS representatives that my mortgage information has been completely received from Shellpoint since XX/XX/2021 ; however, I am still unable to access my loan account via their management portal and unable to setup automated payments. 

I am being told the partial payment can not be applied to my account until a full payment is made. I have already made the other payment of {$3000.00} via my XXXX account but SLS is stating that, that is unacceptable that I must pay them directly via the phone. As I am unable to access my account and would have no proof of payment, I am unwilling to make a payment that can be lost or inappropriately applied. Additionally I have been told that I can not make bi-weekly payments unless I do it through SLS ; but, again, I can't even set that up as I have no access to my account. 

I have spoken with different representatives numerous times but am unable to get the same person so I am forced to start all over again and the issue is never resolved. I have been told it will take any where from days to weeks to get this resolved. When asked to speak with a manager or supervisor, I am flatly refused. I have been threatened that I will get late payments on my financial record even though the transfer is protected federally for 60 days. That being stated it has already been 18 days with no resolution. 

Please help me resolve this issue

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 2021-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
my lease ended on XX/XX/2019, on XX/XX/2019 i signed a a new lease, back in XX/XX/2019 i lost my job so i went to the leasing office and explained them my situation, they started playing with me likes the person is not here, that i have to sign other form etc.so i paid until my last day at the condo ( by the way i was paying on time every month ) and left.i don't really understand why they want me to pay them if my renewal was never done.knowing that the situation could affect my credit, i called hunter warfield inc and acccept to pay XXXX per month ( eventhouth i don't accept the debt ) in order to keep my credit ok for wish they agreed.after a few months i find out that it was on my credit so i stoped paying for something i did not agreed on the first place.in my opinion this is an scam that this leasing co is doing to the tenants.

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 2021-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank has closed my checking account based on a review by its fraud department in which a questionable check had been deposited for review and found to be a fake check Further discussion with the department went with why i had been receiving large deposits for example from new busininess government loans and used to send overseas. No fact was allowed to be seen just the opinion by bank fraud officers that my activity is considered fraudulent with no actual facts to back such decision Check proved to be fake and confiscated and i received no money from it. Account is now closed and i am told bank will no longer accept my application for new account Mere opinion by bank officers should not be sufficient reason for closure and my sensure as bad guy dates of activity XX/XX/2021 several dates

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 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Cavalry Portfolio purchased an old XXXX account I had 3 years ago. I disputed the item on my credit report, and all they sent was a statement that read " balance forward '' without indicating date of last charge of date of last payment. This balance is CLEARLY out of statute, and they have now filed suit against me for the amount. I want this suit dropped and cleared from my credit report on a CLEARLY fraudulent suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
The story with my complaint starts 2 years ago in XXXX of 2019 which was when my first payments was due. I make my payments through a bill pay system through XXXX XXXX  XXXX XXXX XXXX Ca. My first payment was a few days late but not past the XXXX. This was because I did not check a box on the bill pay set up to deliver by the first of every month. After that they stated calling me every month asking for a payment like clock work. After they would call they would realize during the phone conversation that I had in fact made the payment and would apologize. After a few more months of that I started paying my payments twice a month, half on the first and half on the XXXX. They continued to call every month like clock work asking for money, once again during the phone call would discover I had in fact made my payments on time. They would say they discovered that the funds were miss allocated and they needed to re allocate funds to my account. I do not know what that means still to this day!!! During the 2 years years was a incident that did get reported on my credit and that incident was never clarified or resolved to my satisfaction or understanding. It is important to know the during the 2 years my account was never behind or late. Recently as of XXXX, my load was refinanced and this lender was paid off on XXXX, in the sum of XXXX. They are still calling me asking for money and threating me with collections. I reached out to them on XXXX and they told me they had in fact received the funds but as of not can not apply them to my account. They said this could take up to 10-15 working days to be resolved and for my account to be closed. given the uncountable phone calls and badgering I have received by them in the past couple years I am not questioning why a finical institution has such a difficult time managing accounts, they are in the business of managing accounts. There has been time where they could not find my money and had to call me back days later! I fear that my account is not reconciled accurately and they are not qualified to be operating as a financial institution in this country. I see on the XXXX XXXX XXXX XXXX web site they have an extremely low score. Further more they refuse to communicate through e-mail, I suspect they are in fear of a paper trail that could implicate them. I believe this company is in need of an audit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
They are in violation of FCRA because they didn't do a proper investigation. I sent them a letter telling them that they are in violation of USC1681B and they need to remove the accounts. I asked for a contract between me and Equifax showing that I gave them access to furnish the listed accounts on my letter to my consumer report. They failed to do so, so I need the accounts I listed on my letter removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have been receiving credit card past due statements from Bank of America every month since XX/XX/2020 regarding three different credit cards I don't own. The statements are under my name and sent to my address. However, to my knowledge, these are not my credit cards, and they are not showing on my credit reports from all three credit bureaus. I tried to call Bank of America customer service every time I receive a statement. Their phone representatives were able to verify these statements were not for me, but they had no idea why I am getting these letters. I even went to their financial center once but I was informed they could not do anything about it because credit card is a different department. I file a complaint and a fraud claim. I received a letter regarding the complaint but no concrete solutions are provided. The fraud claim was declined because they believe the statements were sent to the right person even though the representative told me on the phone they are not for me. I wrote five letters to the address listed on their website but the issue is not resolved. I continue to receive letters from them for the credit cards I don't have.

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 2021-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CreditNinja Lending, LLC
State: SC

Complaint narrative:
I tried to do business with Credit Ninja in attempt to receive a consumer credit transaction. Credit ninja denied me services. I then proceeded to email Credit Ninja and inform them that I am in fact the natural born consumer, and I wanted their financial facility to assist me in extending me a line of my personal consumer credit. I explained that pursuant to 15 USC 13, they were not to discriminate between consumers. Also pursuant to 15 USC 13 ( e ) they have to offer like services to purchasers on equal terms. Credit Ninja used my personal information without my prior consent, which is a violation of my privacy, in order to discriminate against me. I demand that I am treated as any other natural living consumer who has rights that protect them under federal law. Credit Ninja is in fact a dead entity that doesnt have the power to credit anyone. They can just act as creditors by extending consumers credit from the source, which is the consumer.

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 2021-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XXXX, I spoke with a Toyota Financial Services representative who exclaimed that of the total loan amount due ( Final payment XX/XX/2022 ; {$4100.00} ) about {$2000.00} was due to interest charges beyond the original scope of the lease term. To wit, since the car was leased in California ( a consumer-friendly state ) the lease conforms to the said state 's legal system and is hence considered USURY ( Excessive ) ( XXXX XXXX XXXX XXXX XXXX XXXX ). As the included article contends, their are specific annual caps of 10 % on auto loans in The XXXX XXXX and TFS has exceeded them in this instance.In essence, the actions by TFS are illegal as defined by the California State Constitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo is refusing to allow me to come out of forbearance and resume making payments. My mortgage was current when I went into forbearance ( never paid late ). My first request to come out of forbearance was on XX/XX/2021 and the associate at Wells Fargo told me I was being taken out of forbearance and would receive a letter within 14 days. She said I would have 30-90 days to choose a program option for dealing with the amount of money that is owed due to forbebearance. I did not receive a letter and have since called back numerous times and each time I get a difference answer depending on who we talk with. I was told today by Wells Fargo that the FHA has placed all forbearances on hold and I can not come out of forbearance and resume making payments until the FHA releases the hold. I can find no such evidence of the FHA putting forbearances on hold on the FHA website. I am getting nowhere with Wells Fargo on this matter and feel that Wells Fargo is holding me hostage at this point.

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 2021-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My XXXX XXXX visa credit card is missing on my credit report. They sent a new card when it was expired but I missed it. Therefore requested a new card almost three months ago and using it since then, but it is still not showing up on my credit report. The card was previously there on my account for three years but suddenly disappeared. I called the XXXX XXXX visa and they said there is no miss on their side. So I created a ticket with the credit bureau a little more than two months ago. I received an email saying the steps they are going to take to resolve the issue but that too of no use. Since then I check for the credit report to be updated but nothing helped. My credit dropped from excellent to fair. All I see are requests to get a new credit card. But the current XXXX XXXX credit card is not even there and unfairly removed. I have always made all my payments before time and never had any issue with my credit

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 2021-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
My wife and I applied for a VA Home Refinance loan with Suntrust Bank inXX/XX/XXXX. OnXX/XX/XXXX, we are still waiting for the loan to process. My Suntrust Mortgage Consultant has told me that he has multiple VA loans that are awaiting processing. He has seen Non-VA refinance home loans completed within 90 days, but for some reason the Veteran Loans are stagnated. We feel not only neglected, but taken advantage of since we have paid higher interest rates while waiting and waiting for our loan to be processed.

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 2021-07-30 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
The account in question was paid in full on XX/XX/2020. My credit report is showing the account as a charge off with an open balance. The company no longer has my account information on hand and the merchant has stated that they can not help. Please remove this account as it was paid in full and not a charge off. Proof of payment is being submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
Hyundai finance have lost car payments then falsified documentation. I went paperless so they go on the website and erase change and do Whatever to make their company right! Nothing but fraud. I have attempted on many occasions to get this situation taken care of since XX/XX/2020. I cant even get a supervisor to call me back! Ive put in a complaint after complaint they just close them and not even notify me about anything Little loan Do any investigating into the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I received a Barclay 's credit card as part of an online promotion. I never used the card but a fraudulent charge appeared on the account. I contacted Barclay 's fraud service who assured me the charge was removed and no late fees would be associated with the fraudulent charge. two months later i started getting emails and calls from Barclay 's telling me my account was past due and threatening my credit. I once again contacted customer service at Barclay 's and after numerous transfers and agents was told that two late fees associated with the fraudulent charge had been removed and the charge itself was returned already. Now, three months later I am getting more calls and emails complaining about the account being in arrears. I contacted customer service who claims to not know why additional late charges and the fraud charge are back on the account. I was told three months ago that the account had been closed but apparently they could not accomplish that either.

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 monetary relief
Consumer complaint received 2021-07-30 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX, I made an installment payment to XXXX XXXX for a new HVAC system at our home using my Capital One credit card. Today, XX/XX/XXXX, I checked my card and saw that I had been assessed a " cash advance fee ''. I spoke with an agent who told me I needed to call the other company ; have a representative 3-way on a call with Capital One and confirm that's what happened, and then, he would refund the fee. 

When I called back to do that, I spoke to a 2nd agent who told me the fee could not be refunded although I had done everything the previous agent asked including have a representative from XXXX XXXX on the line. I requested my concerns be referred to a supervisor. I explained everything to her. I was put on hold and when she came back, she said she agreed with me and would support me, but she could not remove the fee although she knew it was not a cash advance. 

I asked what did I have to pay to stop the daily accruing interest. She advised the minimum due plus the amount of the charge plus the fee. She also advised even after paying those fees, I would still be charged an additional day of accruing interest and would see it on my next statement. That's when she offered that she was noting a lot of details on my account in case it would be needed. 

For the record, Capitol One charges 28.99 % interest on cash advances ... significantly more than the interest charged for purchases. That is why I had to pay the minimum charge plus the total amount of the charge to XXXX XXXX as well as the associated cash advance fee.

Company response to consumer: Closed with explanation