vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I refinanced my home on XX/XX/21 it closed on XX/XX/21. 
My old lender Citizens One mortgage is holding my escrow account balance and gives me different amounts that they plan to send at some date in the future. 
I paid my city ( XXXX  ) taxes myself so I could close on my refinance. 
Citizens One tried to pay them the same week after not paying them the previous summer, with no explanation. 
My city tax department rejected the payment from Citizens One and they should have refunded me that {$2200.00} plus {$33.00}. 
The customer service people at Citizens one keep giving me different amounts of the refund they are supposed to be sending and they have not addressed my questions to their online consumer service email system. 

I have a copy of the receipt from my city 's tax department to XXXX Tax Services, the service company for Citizens One tax payments, rejecting the tax payment because I had already paid all the unpaid summer taxes myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
I have requested the loan servicer, Lakeview Loan Servicing LLC ( XXXX ), to establish the escrow account so that my monthly payments would include the property taxes and insurance. I have brought this attention to them multiple times via the phone and the email, and yet they have not responded to me. My first payment is XX/XX/2021 and every time I called them they keep on pushing back the date of completion for this loan escrow analysis. I have submitted multiple tickets with them on the same matter, ticket numbers are XXXX, XXXX, XXXX, and XXXX. The first time was submitted on XX/XX/2021, more than 2 weeks ago. There was system generated confirmation from XXXX confirming the receipt. I also attempted to email the servicer via their email at XXXX, and have not gotten a response as well. In fact, I spoke with the customer service supervisor, XXXX at XXXX, and I was promised this would be done. 

As of today, XX/XX/2021 I have not receiving any correspondence from the company regarding the changing in my monthly payment due to my request for the escrow account even though all the paperwork was submitted.

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 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
ChexSystems sends my highly sensitive and private information, including SSN info, in simple USPS mail every time I lift a security freeze or place it back. This exposes me to unnecessary risks of identity theft. Chex refuses to stop sending this private info via US mail. Among the information included in unsecure and unwelcome communications from Chex are last 4 digits of Social Security Number, which are coded into a long number on top of the letter and it's very easy for a malicious person to extract this information. I had an instance of mail opening and theft by USPS employee last year, which is being investigated by Postal Inspector, and a lot of mail simply disappears right now. They also include Consumer ID, which can be used in lieu of SSN for communications with Chex regarding consumer file. Please ensure Checks stops this unlawful practice of exposing US consumers private information to identity theft. There's an absurd situation right now that to protect themselves from fraud and place a freeze on their Chex file, one must submit to having their sensitive info sent around in non-secure US mail. I will file legal action if this abuse continues.

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 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: OK

Complaint narrative:
On XX/XX/2021, XXXX XXXX XXXX XXXX loaded money from a check they could not completely cash on to a Netspend by XXXX prepaid card. 

Customer service took far too long to respond, and relayed false information of how to verify my identity. 

I used my secure inbox on the Netspend app on XX/XX/2021 to asks question, and Netspend advertised they would respond within 48 hours, and as of XX/XX/2021, they have not. It has been over 50 hours.

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 2021-03-15 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: CA

Complaint narrative:
I am contacting you regarding the XXXX XXXX # XXXX, # XXXX accounts. This is my third request. For the first and second time company did not provide me with the following : Explain and show me how they calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service ; Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

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 2021-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
The company failed to honor their 90 day " same as cash '' agreement by fraudulent means. I attempted to make this payment close to the expiration of the 90 days and was unable to due to an error on the company 's website. I engaged the company by contacting customer support and didn't receive a response until after the 90 days. I believe this to be a fraudulent tactic in which the company uses. Now, I've paid twice the amount of the " same as cash '' price and the company has cashed {$3000.00} in overdraft fees to my bank account by retrying the payment reach time it fails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am in the middle of purchasing a home and late payments from XXXX keep popping up on my XXXX  and Equifax reports. I have reached out via phone and email repeatedly over the last 3 months and received no response. 

I was delinquent in my student loans back in XXXX due to being laid off 4 times in a 2 year period. However, since then I have successfully rehabilitated my loans back in XXXX and they have been transferred to XXXX to be serviced. I can't understand for the life of me why XXXX is now reporting late payments in XXXX and XXXX. I need this fixed ASAP! 

I have disputed this every month with Equifax and XXXX  and for some reason, someone at XXXX keeps verifying that I'm late. How is it possible that I am late to a company that doesn't hold my debt? And as recent as XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am in the middle of purchasing a home and late payments from XXXX keep popping up on my Experian and XXXX reports. I have reached out via phone and email repeatedly over the last 3 months and received no response. 

I was delinquent in my student loans back in XXXX due to being laid off 4 times in a 2 year period. However, since then I have successfully rehabilitated my loans back in XXXX and they have been transferred to XXXX to be serviced. I can't understand for the life of me why XXXX is now reporting late payments in XXXX and XXXX. I need this fixed ASAP! 

I have disputed this every month with XXXX and Experian and for some reason, someone at XXXX keeps verifying that I'm late. How is it possible that I am late to a company that doesn't hold my debt? And as recent as XX/XX/XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
GM Financial offered us a payment plan in XX/XX/XXXX for the remaining balance on our car loan. We could pay the lump sum or spread the payments over six months. We were told that is we chose the six month plan we would not be marked late or have any fees or interest. So instead of paying the lump some we chose the six months plan so we could have the additional payments on our credit which would help boost our score and help us to buy a house. However, GM Financial marked us late for XX/XX/XXXX, then when we disputed it with them, they now moved the late mark to XX/XX/XXXX. We should not have any late payment marks on any of our credit reports for GM from XX/XX/XXXX to current. We have tried many times to get this resolved. This whole six month plan is turned in to being very deceptive and abusive. If this was going to hurt our credit we would not have taken the offer. We would have paid the lump sum. No one mentioned being reported late, rather they mentioned not having late fees. Also, no one reached out when the payment was considered late. It isnt fair that we should suffer this consequence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: VA

Complaint narrative:
I contacted XXXX XXXX three times to get them to send information to their collection company that the bill was paid by me on XX/XX/2020 in the amount of {$180.00} by phone using my debt card. I have the bank statement to prove Ive paid the car insurance bill in full but they will not keep their word and follow thru on that promise. Ive also contacted the collocation company several times and they will not stop sending me letters that I didnt pay the bill even though their computer information says that I have paid it in full. Please help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: NY

Complaint narrative:
On XXXX, XXXXXXXX XXXX  I closed on the Home Equity Line of credit for {$100000.00} with Bank of America. I was told that I should receive my welcome package and starter checks at a later day. Today, XXXX XXXX and I still did not receive my welcome package, nor the checks. I have contacted Bank of America on several occasions starting XXXX XXXX spoke with the agent by the name XXXX XXXX XXXX XXXX - spoke with XXXX from Servicing Department XXXX XXXX XXXX - spoke with XXXX ( she created case # XXXX ) and the same day she connected me with XXXX- he assured me I will receive my welcome package and checks in 2 weeks. On XXXX XXXX I spoke with XXXX, explained her my issue again and she stated that she sees that my mailing address in the system does not contain an apartment number, however I asked the representatives before to make sure my mailing address is correct. XXXX  escalated my cases to new numbers : XXXX and assured me I will receive my documents in 16 days. I did not receive my welcome package, nor the checks as of yet. 

I feel very frustrated and disappointed by the service provided and I think the Bank is not honest with it's customers. I want help in resolving my issue and explanation and apology from the management team.

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 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
During the pandemic I lost my job and couldnt make the monthly payments on my credit card. I tried to postpone the payments until I got a job again and it was postponed only for a month which wasn't enough time. This cause my credit to lower and thus is now causing even more hardships.

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 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX is report incorrect information on my credit. Including recently updating my credit file to reflect incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I recently started receiving text messages from a company by the name of MRSBPO. The company is accusing me of an owed debt from XXXX in the amount of XXXX. After my service was canceled due to consistent technical problems and a verbal agreement for charges to be waived. I have tried multiple times to contact the company and have been unsuccessful due to longer than normal hold times, and being disconnected on their end. The miscommunication have lead me to believe this company is a scam and do not want to discuss debt matters with consumers. I do not have a signed contract or any contract/agreement with this company. I am being harassed through text messages from this company. Although, I have not given consent to receive text message alerts. I would like this matter properly investigated and deleted from my credit report. The company is showing 3 different ways on my credit reports. MRSBPO MRSBPO LLC MRS ASSOCIATES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 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: NV

Complaint narrative:
I have contacted Trans union regarding fraudulent information being reported on my credit report. I have also submitted an FTC report to their company whom they signed forms of received XX/XX/XXXX tracking number XXXX the following items i included that are fraudulent are : XXXX XXXX opened XXXX XXXX, XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX Following inquiries are included as fraud as well : XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX : inquiry opened XXXX XXXX XXXX XXXX : inquiry opened XX/XX/XXXX Bankruptcy ; reported XX/XX/XXXX I don't authorize this information to be on my credit report since the courts don't report to the credit bureaus, id to see proof of accuracy. If you cant provide information that verifies the authorization of this information, it must be removed immediately. 
I have made several calls, sent disputes, and fax ftc report this company has signed they received my ftc report and its been 3 weeks and have not processed anything when they said it has to be processed in 5 days they haven't done anything to get this handled and completed.

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 2021-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.T.R. Financial Services, Inc.
State: NY

Complaint narrative:
Sent a letter on XX/XX/2021 " Request for Validation '' of debt and received many phone calls and letters, the latest dated XX/XX/2021 but received on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2021 cash app transfers with BofA ( date is day where charges are posted ). Actual transaction dates were on the XXXX, XXXX, and XXXX. People were asking for money on XXXX XXXX or XXXX Pay for services. I sent the money and then never got them back as they blocked me and went offline. Money was never returned and did not receive service either. Disputed them with XXXX XXXX but refunds were declined. After disputing them with Bank of America I got temporary credits but now BofA is starting to ask for the money back on one of the claims and after calling them they say that will likely extend to the remaining claims as well.

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 2021-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/2020 and XX/XX/2020 I made two payments in the amount of XXXX dollars both of which are XXXX over the amount due. On XX/XX/2020 Santander Consumer USA reversed both of the payments in their system, and reported to my credit that I was 80 days past due, and the payments were still taken out of my account but showed as not payed in theirs. When In fact I was three payments ahead. I called them to report this error, They admitted they had made a mistake and said that making payments ahead had messed up their system, they corrected this problem after having to call in multiple times, and messing up my credit entirely. Since this incident I have made multiple big payments the last of which was XXXX dollars none of which went to principal as you can see in the statements connected. I have now paid well over XXXX dollars on an original loan of XXXX and my loan amount still states that I owe XXXX dollars with a pay off amount of XXXX. I have inquired multiple times about the " misc '' fees added to my account in which they can not explain. I have also requested all my statements and transaction history in which they state they only have until XXXX XXXX and can not give me any previous to 2020 since they only keep a years worth of records. Every time I call in to ask why my payment isn't being allocated as they have stated in each call they give excuses and I again verify how my next payment will be allocated and each time I am assured it will go to principal and it never does. I have recorded the calls with this company and each time and told something that completely contradicts the last. I have spoken to the executive office probably over 40 times in the last two years and each time am assured its going to change or be corrected and nothing ever is. Again I have been paying this loan for well over two years and have even made payments of a XXXX dollars and always pay more than is due. To date I have paid over XXXX dollars and still owe XXXX to pay off. How is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Monarch Recovery Holdings, Inc.
State: NV

Complaint narrative:
Contacted me at my place of business and disclosed to my employer that they were a debt recovery company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
During the pandemic I lost my job and couldnt make the monthly payments on my credit card. I tried to postpone the payments until I got a job again and it was postponed only for a month which wasn't enough time. This cause my credit to lower and thus is now causing even more hardships.

Company response to consumer: Closed with non-monetary relief