vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
My mortgage company has not giving me account credit for payments made, they have filed against my credit for payments stating they were 30-60 days late, and they continue to change me late fees. I have not missed any payments and all payments have been made within 15 days of payment due dates. I made a payment for XXXX over the phone with their agent and they are now stating the payment was refunded however I have bank statements proving the payment went through which I have already sent them. They are stating the statement is not enough prove all while continuing to change me late fees and file against my credit. I have all bank statements and credit report to show proof of whats happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Location Services Holdings, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, we started a loan process with Auto Approve. After speaking/texting with an agent for a few days, we agreed to an offer he made us. 

On the phone, he mentioned how our credit scores and income were very good and we should not have any issues getting a final approval. 

It all changed when he requested a copy of our IDs and my girlfriend 's ID showed " Limited Term ''. He asked about her immigration status. When we advised that she is a XXXX person, he immediately said we did not qualify. 

We have not been sent an Adverse Action Notice. We do have the screenshots of the text messages that support my comments. 

We felt very discriminated against since the decision was made solely and clearly based on her nationality.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: MI

Complaint narrative:
On XX/XX/2020, I submitted a payment of XXXX as a direct deposit payment and a payment confirmation of that date and payment I submitted was confirmed and I printed a copy of the record, on XX/XX/XXXX I called XXXX XXXX to ask why I was reported late on my credit report, representative from the bank said no payment was received from me, after sharing my confirmation number and reason why that occurred was on a technical level issue on behalf of the bank, representative agreed to reverse the late payment fee adjustment as it appears on record and along my confirmation that I printed at the time, knowing that my business shut down due to coronavirus in mid to late XXXX reason for my late response to the technical error on the XXXX XXXX website. The representative said reversing the late fee will automatically remove my negative reporting to the account and this has not been completed and it has neglected my ability personally while a victim of business interruption of the pandemic and a victim of XXXX XXXX illness shortly after. Also monthly payment are electronically shown paid and that the count of payments made versus if any missed doesnt add up to a completely 30 days of no such payment and my records are available to provide clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, called the Mr. Cooper call center responding to several persistent and obnoxious phone calls from you. My concerns are these : In XXXX of XXXX, we applied for a forbearance under the auspice of economic relief related to COVID-19. It was represented that our payments would not be forgiven, but rather, our payments would be applied to the end of our loan. There was no discussion or disclosure related to the necessity for " modification ''. Therefore, Mr . Cooped failed and misrepresented pertinent information related to COVID-19 Relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
An unknown inquiry hit my Equifax report that I did not apply for. I believe it to be XXXX. 

The inquiry supposedly came through on XX/XX/21. 

I reached out but could not get anywhere with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
The signed legal document for this loan, section 3D, discusses a " Modified Maturity Date on which this note will be paid after accounting for acceleration of the payment schedule resulting from biweekly payments rather than the monthly payment schedule used to calculate the Maturity Date described in section 3A above. '' The maturity date stated in Section 3A is " XX/XX/XXXX. '' FEDERAL TRUTH IN LENDING DISCLOSURE REQUIRED BY REGULATION Z " Your payment schedule will be. '' XXXX biweekly payments beginning on XXXX and ending on XXXX. 

We have made XXXX biweekly payments to the end of XXXX. We have set up an Escrow account at XXXX to receive and hold our automatic biweekly payments, as Wells Fargo could not set up an account for this purpose. We will gladly pay amounts that we owe to Wells Fargo when they show us the legitimate balance of our account. We have never missed a payment and to my knowledge we have not been late either, all automatic payments. 

We need a clear and complete amortization schedule to understand the " Modified Maturity Date '' as described in section 3D of my signed loan papers.

We have made repeated requests for a clear and complete loan amortization schedule, four requests beginning in XXXX of XXXX. I do not have a clear copy of the amortization schedule as of this writing. A clear and complete amortization schedule will allow me to discuss my loan history and discover why the truth in lending promises have not been met.

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 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have several hard credit inquiries on my recently observed Experian credit report that were fraudulent. I have repeatedly written to Experian & XXXX asking to remove these from my credit report. Neither have been helpful and neither have contacted me nor removed the fraudulent inquiries. You see, I'am a victim of Identity theft and have an ongoing investigation with the FTC. The inquiries I want OFF my credit reports are from XXXX dated - XX/XX/XXXX & XX/XX/XXXX XXXX dated- XX/XX/XXXX XXXX XXXX XXXX XXXX dated - XX/XX/XXXX XXXX XXXX  dated - XX/XX/XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX XXXX dated XXXX XX/XX/XXXX XXXX  dated - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX dated - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX dated XXXX 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 non-monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: FL

Complaint narrative:
On XX/XX/2021 - Revolut US restricted access to my account and is not allowing me to withdraw the {$5600.00} I have within the account. I contacted them via in-app chat and received no response. I had to XXXX them on XXXX to receive a response. I was told via a XXXX direct message that I would receive a response in the app chat from the Revolut team shortly. 

I was told that they were still in the process of checking things on my account and that they could not give me a time estimate on when my account will be re-activated. 

On XX/XX/2021 - I contacted them again regarding this issue and received the same response. 

On XX/XX/2021 - I contacted them again and received no response. 

On XX/XX/2021 - I contacted them again and received no response. 

On XX/XX/2021 - I contacted them again and received no response. 

On XX/XX/2021 - I contacted them again and received no response.

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 2021-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
My applications for loan discharge has been denied the first and second time because the school is listed as still open. Despite me providing proof from the XXXXXXXX XXXX  ( as per emails with the school administration and bursars office as well as the office of financial aid at the XXXX XXXX, where it clearly states verbatim from school financial aid department administration that the school closed XX/XX/2020. 


My loan server, as well as NYS federal student loan is repeatedly giving me contacted information phone numbers as well as emails where each phone number provided is a disconnected number. Emails are never responded to or bounce back as invalid or unable to deliver email to provided address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX .... balance {$75.00} XXXX XXXX XXXX XXXX .... balance {$570.00} XXXX XXXXXXXX .... balance {$3900.00} XXXX XXXX XXXX XXXXXXXX .... balance {$18000.00} XXXX XXXX XXXXXXXX balance {$100.00} These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2021-02-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX .... balance {$75.00} XXXX XXXX XXXX XXXX .... balance {$570.00} XXXX  XXXX .... balance {$3900.00} XXXX XXXX XXXX  XXXX .... balance {$18000.00} XXXX XXXX XXXX balance {$100.00} These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: IA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with NELNET LOAN SERVICES INC on XX/XX/2006. I used my credit card as defined under 15 usc 1602 ( L ) and there was a finance charge involved as defined under15 usc 1605. NELNET LOAN SERVICES INC then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: GA

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: Capital Accounts, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX # / added a demography credit Report per XXXX XXXX.Upon research this account was sold/Transferred and I am no longer Responsible for this account. Creditor did not verify this Account. Also there was no form of written communication Or signature for this Debt at all. A bill without a signature does not validate The debt anybody Can send a bill to say is mine. According to FCRA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 2 have violated my rights As a consumer and I am Requesting legal action to have this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: KS

Complaint narrative:
I have fraud on my account and want the inquirys off 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 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
Greetings! 

I spoke to an agent about debt collection issue from The Bureau Inc. 
I complied in good faith and to show my good intentions only but not judge my situation based on my records. I am a good payor and only was a victim of the credit card scheme or the card never arrived and received by me. I tried to explain to the agent I think the call was recorded. Anyway the short version of my story is I purchased an item on XXXX XXXX for only {$95.00} which is not really a big amount for me not to pay for it. Now cashier offered me discounts 10 % on my purchase, I was interested and engaged, ended up getting a card, she did even try to say that it was a credit card on the first place. Anyway it happened and gave me a receipt that I kept for evidence until now. The receipt says that I will receive the a credit card about 10 to 12 days. Now, the card did not arrived and was never received. Then, a letter came to stating late fees which I strongly believed is invalid because in the first place there was no credit card and means to pay the credit. Now, conflicting assumptions came that this is a scam and/or scheming. Delaying the card by mail. I went to the bank to check the transaction history and all. I investigated more and took time to check my assumptions. Then charges, piled up. On the month of XXXX a letter stating that I purchased an item which I did not do. During this time I realized that the card was stolen or manipulated by the company to increase the charge but I can not prove that. So the amount increased and double. I called the credit company to report this but said to me they need my SSN card copy and proof of address mailed to them, which I doubted, and did not comply because they can't have my SSN and in the first place my SSN was in their records. So it took time that they closed the account until it accumulated higher fees. Now COVID 19 happened XXXX and I am a active XXXX XXXX for the State of New York and was assigned in a COVID center hospital. I can't deal with the problem due to the nature of my work and lack of knowledge, skills and resources to amend this and claim my reputation as good payer. 

So, I am signifying that I paid only and only with intentions and good faith to resolve this and recover my good reputation with my records. It was not intentional not to pay but rather the card never arrived. I am appealing to The Bureaus Inc. to please clear up my name as soon as possible because I need my FICO scores to go up. This record was never meant to be on my profile as a person and dont just clear me get the record deleted. This is COVID times in New York that I badly needed my reputation and good standing from my bank. My life is devasted already because of this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
Hi I was reviewing my credit report and I saw a bmw on my credit report I dont know who took it out, I tried calling bmw they wont release the contract who signed for it I naver ever gave someone permission or authorization to take out a car the date is XXXX XX/XX/2020 XXXX loan Please help me out to report this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
I was called at XXXX XXXX by Westlake Financial regarding a payment that was passed due, not sure if call was being recorded as the Mini Miranda was never read either. After speaking with a manager/supervisor and advising them that they are violating the CFPB guidelines the manager continued to ask if I wanted to setup a payment.

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 2021-02-25 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: IL

Complaint narrative:
I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Skopos Financial, LLC
State: IA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with SKOPOS FINANCIAL LLC on XX/XX/2019. I used my credit card as defined under 15 usc 1602 ( I ) and there was a finance charge involved as defined under15 usc 1605. SKOPOS FINANCIAL LLC then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

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