vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I was offered Mortgage Assistance Forbearance for my conventional loan. The dates range was from XX/XX/XXXX - XX/XX/2020. I attempted to pay XXXX but was told I could not make a payment and that I needed to call the company. I called and they advised I needed to send in documents to continue forbearance or loan modification. After sending the requested information, they have reported me to the credit bureaus and placed me in foreclosure. I offered to pay the past due amounts, even though those payments should not be considered " past due '' when I was advised I did not have to make a payment till the conclusion of the forbearance period at the earliest.. Now as I await a decision from the underwriters, my credit report is negatively impacted and I am being denied attempts to make any payments. I have quite a bit of equity and I could EASILY sale the property, but I was told by Carrington that I can not sale it even I wanted to,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX, REPORT ID : XXXX TRANSUNION REPORTED FALSE INFO AS FOLLOWS : 039-SERIOUS DELINQUENCY 014-LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED 005-TOO MANY ACCOUNTS WITH BALANCES 018-NUMBER OF ACCOUNTS WITH DELINQUENCY

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 2020-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: OR

Complaint narrative:
On XX/XX/2020 I received a letter from XXXX XXXX XXXX which described a bill in the amount of {$1100.00} for equipment that was purchased using My identity but shipped to some place other than my address. I explained that I did not order or receive services from XXXX and someone used my identity fraudulently to make this purchase. They asked me to make a police report which I did to the XXXX XXXX  police dept. To my surprise This amount was turned over to collections XX/XX/2020. I called XXXX  and they said I had a XXXX Balance it was not them since I had disputed the matter. I researched and found receivables performance management was the company that XXXX used to have my account sent to collections. I have tried to call and they don't want to talk with me. I have placed a freeze on my credit to eliminate this problem from happening in the future however I still have a collection debt showing on my credit for which I had nothing to do with and do not owe this debt due to identity theft. As a resolution I would like the collection removed completely from my credit records as if it had never happened.

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 2020-09-18 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: VA

Complaint narrative:
I am a victim of identity theft because someone unknown has been using my name and information and opened accounts. I reported to the FTC and to the creditors but the creditors do not remove the accounts that are not mine

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 2020-09-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is refusing to remove fraudulent information my wallet with my Identification and social security card were stolen someone has used my information to lease something I will attach my tax forms to prove I never lease anything with that company also will attach Identification IDs with precious address I already disputed this with two other credit bureau the items were removed with documentation submitted Experian is giving me a very hard time I will take legal action if they continue to advertise this information on my credit that doesnt belong to me ( fraudulent )

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 2020-09-18 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: NY

Complaint narrative:
I leased XXXX XXXX XXXX from XXXX. THE LEASE was a 3-year lease. Date of the lease was XXXX OF XXXX. I made All of my payments on time. At the end of the lease, I was considering turning in the lease in XX/XX/XXXX. I spoke with XXXX XXXX XXXX and they told me that I could keep the vehicle until XXXX of XXXX. I elected to turn in the vehicle in XXXX of XXXX. I received a letter from XXXX XXXX XXXX THAT I OWED {$1600.00}. WE converse about the amount and could not reach an agreement. I contacted my attorney and we wrote a detailed letter about the money they claim owed. NO RESPOND IN WRITING FROM XXXX ABOUT ANY MONEY OWED. I checked my EXPERIAN credit report and found inaccurate and derogatory marks on my credit report. I sent EXPERIAN a letter concerning my credit report. Experian sent me a copy my credit report showing I was late in XX/XX/XXXX and XX/XX/XXXX. XXXX show the letters CO. THOSE LETTERS MEAN CHARGE OFF. FROM XX/XX/XXXX TO XX/XX/XXXX SHOWS THESE LETTERS ON MY EXPERIAN CREDIT REPORT.

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 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
If you look back I have complained about Well 's Fargo Home Mortgage. I am now once again lodging a complaint re : their ineptness. I pay my mortgage on time, & in fact I am ahead in my mortgage payments. NOW I receive a letter stating a review was done & my escrow account is short by $ XXXX!!!!!!!! This is NOT the first time this has occurred. I am TIRED of their incompetence! For a financial institution there are a # of faulty processes. I have choice to pay one time shortage payment OR pay shortage over the years period raising of course my monthly mortgage payments. Either option is a burden on me since as a senior I am on a fixed income ... .The working processes & daily functions of Well 's Fargo truly need to be reviewed .... how can a financial institution be so FAR off in how much is to be set aside in my escrow to pay my taxes etc.???? It is deplorable! PLEASE look into their procedures & WHY does this frequently occur. Again, this is NOT the first time according to Well 's Fargo my escrow account has been short. PLEASE investigate them, PLEASE!

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 2020-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: CA

Complaint narrative:
I set up an account with TransferWise several months ago. It took them a very long time to verify my identity and get me a debit card -- much longer than they promised. But when the account was finally established, I linked it up with my Massachusetts unemployment payment via direct deposit. But the first two payments of {$2100.00} and {$1400.00} never arrived in my account. I contacted TransferWise approximately 25 times over several weeks to try to get to the bottom of this. But they kept asking for more information and more information. I obliged them every single time. But they did nothing. It has been several months now and they still haven't given me my money. 

Eventually, a TransferWise customer service representative sent me a message over XXXX XXXX saying the deposits were rejected because they can not " accept deposits from the United States federal government. '' I replied that the State of Massachusetts is not the federal government. They said they would look into this. 

Since then, my more recent direct deposits from Massachusetts unemployment have indeed been coming into my account. This shows there is no problem with TransferWise receiving money from Massachusetts unemployment. But the question remains what happened to my {$3500.00}? Massachusetts unemployment told me that they sent the money and that it was never returned to them. 

After several months of contacting Transferwise, they still say they are " investigating. '' But they have made no progress and they still have my money. I need this money to live.

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 2020-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
How are you doing during covid19 and how you during this pandemic? I was shocked when I reviewed my credit report and found late payment on XX/XX/2020 for 30 days during the covid-19 pandemic.

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2020-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment during the initial covid-19 on XX/XX/2020 for 30 days. I paid the account on-time and received a conversation. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2020-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ULRS, Inc.
State: CA

Complaint narrative:
I have been receiving numerous harassing phone calls from United Legal Group after I asked them to stop calling me. I last received a voicemail message from them on XXXX. I believe they are harassing me to try to collect a debt that I do not owe and that is also zombie debt or time-barred debt. I believe the debt is time-barred because a representative at XXXX told me the debt relates to a medical bill that was delinquent in XX/XX/XXXX. However, the company reported falsely that the debt became delinquent in XX/XX/XXXX on my credit report with XXXX and XXXX. The information on my credit report identifies the reporting company as Credit Collection Bureau, but this appears to be the same company as United Legal Group. The phone number and address are identical to those used by United Legal Group. United Legal Group has called me numerous times and left numerous voicemail messages even though I asked them to stop calling me several months ago. In addition, they never have identified why they have been calling me. They either hanging up the phone when I answer or they will play a recording instead of a person coming to the line purely done for the purpose of harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX I noticed a charge I didnt make on my credit card. I called sun trust and filed a fraud claim. Today they said the claim was denied because it was a valid purchase. I havent purchased anything on XXXX since XX/XX/XXXX I did not make this purchase and sun trust is letting someone use my card illegally. Card was replaced.

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 2020-09-18 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: VA

Complaint narrative:
I am a victim of identity theft because someone unknown has been using my name and information and opened accounts. I reported to the FTC and to the creditors but the creditors do not remove the accounts that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am a victim of identity theft because someone unknown has been using my name and information and opened accounts. I reported to the FTC and to the creditors but the creditors do not remove the accounts that are not mine

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 2020-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My wife signed up for a Citi Bank credit card. During the process of signing up for the card she added me as an authorized user, simply believing I could review the account online or call customer service if necessary. 

Next thing I know, Im receiving a Citi Bank credit card in the mail. A card I didnt apply for and a line of credit I have no desire in having. Citi Bank didnt even ask my wife for my XXXX when she applied for the card. Her card and my card both have the same account number. 

Long story short, I received an alert from XXXX XXXX telling me that this card is now appearing on my credit report so I assume any charges on the card will affect my XXXX XXXX. For a card I never even applied for and future charges I will never make. This is very unsettling. If one so chose, they could sign up for a CitiBank credit card and add anyone unknowingly and possible destroy their credit. Wheres the oversight?

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 2020-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To whom it may concern on my credit report I was being told I had applied for a new capital one card on XX/XX/2020. I never applied for a capital one card on that date as I am perfectly happy with the capital one card I already have. The problem here is I had disputed this a few different ways and it won't go and is still showing up as a hard inquiry when this is fraud and never authorized by me. Under the fair credit reporting act 609 to my understanding since they can not prove I applied for card which I didn't they must remove this inaccurate information. When I spoke to capital one over a month ago as to what was going on they said that department who handles fraud and applications is not in due to covid. I asked them when they will be back they weren't sure. I had called a few times to resolve this but it has gotten no where.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
USAA credit card company closed our credit card in XXXX of XXXX because of delinquency. 

I have my XX/XX/XXXX USAA credit card statement showing an active account but includes a past due amount and the statement " Our records indicate your account is past due. Please send the minimum amount due today! '' On XX/XX/XXXX, I received a letter from USAA with the Reference : Credit Card Account Closing '' I have my XX/XX/XXXX USAA credit card statement confirms my account is closed with the statement, " Your account is currently closed. '' After USAA closed my account, I paid USAA when I could but not consistently. After some years, the account was sold to a collection agency. The collection agency " re-aged '' the debt reporting the delinquency to reflect the date they acquired the debt. 

Per the FCRA, this item should have been removed from my credit report as of XX/XX/XXXX. It was not. 

I wrote USAA. I called USAA and the Collection Agency who continue to finger point and send me to the other. I supplied my statements to the credit bureaus. I hired credit repair companies to address this. Still, this persists. You can see on my credit bureaus how many times I have tried to dispute this. 

Since we lost our jobs in XXXX, we have worked diligently to recover and repair our credit. We continue to pay this debt every month with a full understanding we owe the debt. But USAA and the 3 credit bureaus are conflating debt owed with reporting laws. 

We want to refinance our house. We want to buy a smaller house for retirement while interest rates are so low. We are running out of time. This is severely knee capping our effort to secure our finances for retirement. 

Between credit card companies and the credit bureaus, we can not move forward. This is illegal and unjust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Someone from XXXX XXXX XXXX to me he was looking for people to hearing, I saw that email on my XXXX college email student email, my assignment will be to send and received gift to the list off other company the will give to me, theirs pay me $ XXXX Work from home, theirs send me my a check {$3500.00} in the XXXX XXXX mail, I deposit the check in my account, when the check was cleared Their ask to transfer {$1000.00} to my cash app from my main checking account. The time I realized the block my account and freeze my account and also my joint account with my wife and I, for XXXX weeks now. 
And also ended up the relationship with me.that santander bank.

Company response to consumer: Closed with explanation