vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
I was under a forebarence with my mortgage company, XXXX XXXX XXXX, through XX/XX/XXXX. At the end of XXXX, my mortgage was sold to another company called BSI Financial Services. I called the BSI Financial Services to find out how it would affect my forebarence and wanted to know what my options were. I was told my XXXX XXXX XXXX XXXX  would call me. I explained I was getting delinquent notices. The customer service lady said they were automatically generated and that my file was under review for up to XXXX days but she would have my XXXX XXXX XXXX XXXX call me to explain. I waited XXXX weeks with no call so I called again. I was told my XXXX XXXX XXXX XXXX had been out for medical reasons and the customer service lady would email my XXXX XXXX XXXX XXXX XXXX supervisor and ask her to call me. A week later, still no call. But I keep getting delinquent notices. I'm getting nowhere fast and I'm worried about the delinquencies going on my credit and the bank foreclosing on my mortgage with absolutely NO contact from BSI Financial Services. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Went online to make payment. Website would not allow. There was a phone number to call. When I called they said my mortgage was sent to a collection agency two months ago due to no payment. 

The website show my payments were made. I have never missed a payment or have been late. They refused to let me to talk to me and said the loan is closed. I also looked to see if they reversed the payments and it showed no payment reversals. 

I called six times and it now just forwards me to a collection agency. 
I keep all statements. The last statement I have is XXXX statement. I go online and download and keep for my records. I went online to try to get the XXXX statement and they have blocked me.

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 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX : opened checking acct with US bank due to offer promotion of $ 400-450 from flyer local branch ( requirement : direct deposit total $ 4k for 4-6 months ). Within 60-90 days, the offer cash out will be credited to the acct. 
No credit until, i came to the branch XX/XX/XXXX. Spent many hours going to the branch and phone calls, no follow up. 
XX/XX/XXXX : went to the branch and i was told being researched. The US Bank associate refused to provide me with the upper mgmts contact XX/XX/XXXX : still researching and finally XX/XX/XXXX got the incorrect credit of {$300.00} instead of 400-450. In addition, there was no any compensation of waiting for almost 8months. I filed complain now, because i was in the middle of medical treatment last year. 
Please assist me on this.

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 2022-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2021 Navy Federal Credit Union denied me of credit. 

Federal law make it clear that a consumer can not be denied of a God given right. Banks dont have the power to lend money or credit. Banks function because of consumers. As a consumer I extend my credit to Navy Federal Credit Union and thats how they become a creditor. Im at the Original Creditor. Banks are corporations/corps mean it is a dead entity, banks cant talk, banks are powerless. I am the natural person. I have the power. Navy Federal Credit Union violated my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT.

I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT.

I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX Phone Number ( XXXX ) XXXX Services were discontinued XX/XX/2018 and supplies were returned through XXXX at that time. I do not owe the debt.

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 2022-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: MN

Complaint narrative:
I wanted to pay off my car loan which had an outstanding balance of {$8200.00} from my XXXX XXXX checking account so I logged into my US Bank website portal to do so on XX/XX/2022. The website told me in order to process a full payoff I needed to call their customer service number, which I did same day. After navigating through numerous automated menus, I was finally able to speak with a representative who told me that I could not pay off my loan in full and close my account unless I have a US Bank account. I asked how this is possible since they have been withdrawing my monthly payment of {$380.00} every month from my XXXX XXXX checking account on file for the last two years to pay off this loan. The representative said this was US Bank policy and that the only thing she could do was provide me the current loan payoff amount and address to mail a check to, and turn off my current autodraft from my bank. I said fine, i guess we will do that, but this does not seem right as interest accrues daily and so by the time the check gets to their payment processing center, the loan balance will be higher and i will still have a small balance left on my loan. I believe this is a predatory practice by US Bank to prevent their customers from paying off their loans in full, and forcing them to pay additional interest unless they open a bank account with them. This seems highly unethical to me and i believe warrants further investigation into US Bank 's loan practices. The way it is currently set up, my only choice is to mail a check to them to pay off the loan, and then i will need to follow up with them in a few weeks to verify that my account is closed out and additional interest is being charged. If I have a bank on file with US Bank I have been making payments out of, I have money available in the same bank account to pay off the loan, I should be able to do so online or over the phone all at once. Again, I believe this is a predatory practice by US Bank to prevent its loan holders from fully paying off their loans so that they can charge additional interest, and warrants further investigation and hopefully penalties for US Bank

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 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
On XX/XX/2022 XXXX XXXX Solutions reported a collection charge off to my credit report. The report is fraudulent and the information on file is not my accurate information and I never lived at the address listed on the debt.

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 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/2021 I went into be XXXX XXXX and purchased a frontal. I got the frontal installment and it was thin and not covering correctly. I went back up to the store the same day and showed the owner the hair in my head and should her it wasnt covering. She was no help. XX/XX/2021 I filed a claim with my bank about the merchandise not being as described and the owner didnt want to help. I sent pictures of text messages with the owner. XX/XX/XXXX I received a denial from the bank about my claim so now Im out of XXXX. Even thought I sent prove that the product wasnt right the bank still sided with the owner and denied my claim when clearly they can see the hair is very thin.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
New Information This communication is to inform Experian to PLEASE STOP FRAUDULENTLY LABELING MY PERMISSIBLE REQUEST AS " DISPUTES '' I understand Experian is NOT a bureau nor is it backed by any government agency. I am aware that Experian is in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. 

Under these circumstances, I am aware that pursuant to the FDCPA and 15 U.S. Code 1681b - Permissible purposes of consumer reports, As a third party, Experian MUST comply with my written instruction. I hereby DEMAND that all negative accounts, Late payments, Hard and Soft inquiries, Delinquencies, Charge offs, and additional information such credit limit/high balance, that were not verified or authorized by me XXXX XXXX XXXX in written format be DELETED IMMEDIATELY. 

Experian continues to update my report with no proof of proper verification or investigation. If this matter is not resolved immediately I will be contacting the NY Attorney General regarding this matter 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 explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc

Complaint narrative:
Wallet containing my chime bank debit card And cell phone associated with that chime account and containing the password needed to access the account was stolen XXXX months ago. After contacting chime bank representatives to report the theft, report the numerous unauthorized transactions having occured, no immediate cancellation of that debit card, confirm that a new card was in fact was issued or any access to immediate emergency funds being available or accessible to me, despite having provided and emailed all the necessary documents needed or requested of me to prove and verify my identity. however im unable to access my account or excess the funds that belong to me, receive any refunds or receiving a new card. XXXXm in desperate need to have access to my funds accumulated over the past XXXX months as I face XXXX, amounting late bills and XXXX  XXXX due to this issue. Please help. Thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: GA

Complaint narrative:
I have about 16 inquiries thats fraudulent on my report and needs to be removed.Ive contacted the bureaus equifac and XXXX they are telling me to contact the lenders and I dont even know these lenders And also I have sent several dispute letter when it comes to the collection accounts thats on my report they all unauthorized as well and needs to be removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Mortgage for XXXX XXXX XXXX XXXX, XXXX XXXX, CA was transfered from XXXX to Lakeview Loan Servicing XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022. 
The terms of the loan were changed. My previous loan did not have an escrow account. Lakeview is now charging for tax and insurance. I have contacted Lakeview several times via phone and email. They have not responded. The keep sending me harassing voice messages to recover the funds they do not deserve

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 2022-02-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Had a school loan with Wells Fargo that started payment in XXXX of XXXX, after I graduated. Unfortunately, in XXXX I was struggling to make payments, contacted them multiple times. Im XXXX, I had my son and decreased hours at work. I struggled many days trying to speak with someone about options : lowering my payment, deferment, etc. They said based off of how much money I made, my payment was accurate. I reiterated thats great, but thats all you see. You dont see rent, a child, child care, groceries, insurance, etc. and unfortunately told them on the phone I could no longer afford my XXXX $ + monthly payment and if it came between food and the loan, the loan wouldnt be paid. They said there was no other options. I struggled to make payments : maybe I paid XXXX $ /month. After multiple phone calls with them re explaining it to them, and not helping me they sold my loan to a collection agency. Its amazing how a XXXX $ payment I can afford but it took excessive harassment by them, feeling absolutely abandoned by them, and basically being told my life or needs do not matter and I need to pay. I do not have a ton of supporting documentation except for phone calls and my now loan I pay. Unknown because it was a few years ago if anything can be done for me, but even if it helps someone else it is worth filing the complaint.

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 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )/ XXXX / {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )/ XXXX / {$6800.00} XXXX ( Original Creditor : XXXX XXXX XXXX )/ XXXX / {$110.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-03 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: DC

Complaint narrative:
Experian is furnishing accounts that are not mine! Pursuant to Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ) I am requesting ALL alleged debts to be verified within 72- HOURS of receiving this request or they be IMMEDIATELY REMOVED! Please see attachment for accounts in question.

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 2022-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Heyy my name is XXXX XXXX. I was part of a bank fraud, which unauthorized transactions happpened on my account. I told the Wells Fargo bank multiple times to fix it, and they denied my claim. Theyve put me in debt of - {$9900.00} unauthorized overdraft, and wont fix it. No security whatsoever, I wasnt notified and called for those transactions to take place. I had a limit. So theres no way they shouldve happened. 
Please help. Because they wont do anything.

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 2022-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX  / XXXX / {$3800.00} XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I the attempt to get my credit score up and repair my credit rating I have attempted to acquire a personal loan to take care of an old debt that is in collections. I paid off my vehicle note in an attempt to increase the score that was hovering around the XXXX mark and reduced any current card usage. XXXX XXXX and XXXX score today went to XXXX which is helpful but Experian has lowered my score to XXXX. I call Experian at XXXX on XX/XX/22 to see why it is such a huge difference and they actually lowered my score upon paying off my vehicle loan and they only tell me it is due to the way their XXXX scoring model works. How are they allowed to use a model that is so different than the other credit reporting agencies? They is a XXXX point difference. This has done more damage to my credit score and I will not be able to get the funds I am needing to try and clear up the issue with the collection account. I feel I as a consumer have been robbed by them with this action. If i needed to get a home or even a new job at this time and they run a credit report I am just out of luck at this point. This does not seem to be fair or even legal. What can myself or anyone else do about this.

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 2022-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: RockLoans Holdings LLC
State: AZ

Complaint narrative:
ROCKET LOANS denied me an extension of credit on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: KEYCORP
State: OH

Complaint narrative:
This financial institution has willfully and knowingly caused damage to me by discriminating against me the consumer.

Company response to consumer: Closed with explanation