vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MO

Complaint narrative:
I have always paid my bills timely and had a great credit score. My loan company has lost the last two payments I have mailed them. I mailed my XX/XX/XXXX payment on XX/XX/XXXX. I received notice in XXXX it was not received. Then I started getting phone calls from a computer that said it was my loan company, but you could not talk to any one. I tried calling the phone number back and could not speak to anyone. I got concerned that these were scan calls, so I placed a stop payment on that check XX/XX/XXXX. I mailed another check on XX/XX/XXXX for both XXXX and XXXX payment. During this time I tried getting through to all departments at my load company and could not speak to a real person, all computerized. I even took 4 hours of vacation from my job on XX/XX/XXXX to tried to get through to someone and no success. 

Received a call from collections XX/XX/XXXX, finally a live person. Explained the whole situation, and advised that I had put a stop payment on the original check and mailed another one. Now I have stop check fees and late fees that I should not have accrued. 

Today is XX/XX/XXXX and they still have not received the check mailed XX/XX/XXXX. Another late fee, and now they received the original check mailed XX/XX/XXXX and tried to cash it, even after I informed them a stop payment had been issued. Now I have a returned check fee that I should not be responsible for. 

This is absolutely the worst service I have ever had from a mortgage company. And the fact that you can not speak to anyone when you call customer service is outrageous. I have always paid my bills on time and in full and now my credit is destroyed because this company can not operate properly.

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 2021-02-16 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: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Equifax is reporting the wrong social security number for my report and even after submitting the proper proofs, they haven't even updated my report yet. Per the FCRA and federal law, the process is supposed to be 30 days. 90 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: WLCC
State: TX

Complaint narrative:
I applied for a loan with arrowhead XXXX advance. When I applied I was told I was approved and asked to sign the loan papers electronically which I did. After this i was contacted by arrowhead saying my loan wasnt approved but still pending. Throughout this process I was told I was approved and asked to sign loan documents three different times for three different loan amounts. I talked to several representatives at this company and advised them several times that I get paid twice a month on the first and the XXXX I was asked if I get paid and it falls on a holiday will I be paid before or after the XXXX in which I answered before I gave this information several times I sent several checks stubs I gave them access to two of my bank accounts which illustrate it the same thing. I made my first payment today on XX/XX/XXXX and receive a confirmation Email which is now stating my next payment will be taken out on XX/XX/XXXX which is days before my XX/XX/XXXX payday I called and emailed arrowhead and they want me to send more paperwork the same paperwork I have sent already! I do not want this company debiting my account and I do not want this next payment taken out if they are not going to stick to the terms that I agreed to that I have repeated over and over again I need this loan to be forgiven I am in Texas I do not have power I do not have electricity I do not have heat I do not have access to the Internet I have no way to send them what they are asking me for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Received a letter statement in the mail on XX/XX/21, dated XX/XX/21 from Credit Collection Services, stating I need to pay {$120.00} and the Creditor is XXXX XXXX XXXX. 

My name was slightly misspelled and I paid this bill to XXXX in full, so I went online and looked up the phone number provided and the name of this " collection service ''. There is conflicting information, some stating it is legit but with a bit more digging, this is a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. XXXX is reporting the wrong social security number for my report and even after submitting the proper proofs, they haven't even updated my report yet. Per the FCRA and federal law, the process is supposed to be 30 days. 90 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

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 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC
State: FL

Complaint narrative:
There must be some mistake. I have written several letters to Arcadia Recovery and they have never responded to me. I have disputed these accounts with the credit bureaus, but it's verified. They must be sending the verification to the wrong address, or they must not have any information about the accounts. I am at a total loss for words. This feels like willful negligence. They are reporting multiple accounts and have never verified one of them to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a Shop Your Way XXXX ( Acct # XXXX Current / XXXX Previous ) and have made multiple attempts to have two fraudulent charges removed from my billing statement. 

The following fraudulent charges that were posted on my Shop Your Way Mastercard : XX/XX/2020 XXXX {$280.00} XX/XX/2020 XXXX  {$300.00} While I am a current customer of XXXX I have never issued payment via the Shop Your Way Mastercard, as I always make this payment via check directly to XXXX Per a request as part of the dispute process, I provided the following documentation ( both fax and post mail ) to support the dispute of these fraudulent charges : XX/XX/2020 Copy of the Cancelled Personal Check to XXXX for my XX/XX/2020 billing cycle. ( {$220.00} ) I have provided all of the information requested, and multiple attempts to remove these fraudulent charges have been ignored. I am an elderly person ( in my XXXX 's ), and this is causing a great amount of stress based on the fact that Shop Your Way Mastercard organization refuses to recognize that these charges are fraudulent and act accordingly.

Attached to this complaint is all of the documentation that the Shop Your Way Mastercard fraud team requested. I appreciate any and all assistance that you can provide in resolving this matter to my satisfaction. 

XXXX 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 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MN

Complaint narrative:
My lender, Rushmore Loan Management Services, would not remove my PMI despite my principal balance being less than 78 % of the original home value. I made mailed, faxed, and phone requests in XXXX to have PMI removed. First they stated I had not hit 75 % LTV which was required for loans less than 5 years old. I paid down to below 75 % of the home value over the next 2 months. Then they said my PMI can not be cancelled until 5 years after the original loan of XX/XX/XXXX. I waited and again requested PMI cancellation in XX/XX/XXXX in which I never heard a response. My loan was at about 50 % of the original value at this time. I had made two phone calls to resolve this, but they only ever sent me a generic letter that said my loan needs to be 75 % LTV. Before my final payment in XX/XX/XXXX, I again tried to resolve this issue. In a letter, they acknowledged my loan was 0.4 % of the original home value but they still refused to remove the private mortgage insurance. Now they required a mandatory inspection. Every time I tried to remove PMI, they came up with a new rule. There was never any clarity and they constantly gave me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
My father, XXXX XXXX XXXX of XXXX MD, passed away XX/XX/XXXX. I notified Fulton Bank on XX/XX/XXXX - both the XXXX # who stated I needed to physically go into a branch to inform them of my father 's passing that they did not have a way to flag the account via phone. I advised them I was not local so they provided me with a MD local branch phone # to call. I then called that local branch and had a similar conversation with an individual within a branch informing them that I physically did not live in MD and there was not a Fulton Bank in my area ( SC ), therefore, I could not PHYSICALLY go into a branch. I insisted that I needed my father 's accounts flagged as deceased so that no further activity ( charges, debts, credits, etc. ) could be made. I also faxed a copy of the death certificate to that local branch on XX/XX/XXXX. 

I continue to get collection calls and letters post communicating of his passing. In addition, it appears ( based on a letter from Fulton Bank dated XX/XX/XXXX ) they ( Fulton Bank ) continued to attempt to auto draft payments on which incurred insufficient fund fees.

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 2021-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
A hard inquiry was submitted as a result of a credit application using my personal data. One XX/XX/2021, someone went online to try and secure a Kohl 's Department Store credit card in my name. 
I have confirmed with the merchant that the perp had the following correct information of mine : -Date of birth -Social Security # -Mailing address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
Letter sent to the lender ; Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the XXXX XXXXXXXX  XXXX XXXX XXXX XXXX and they have verified that your company is not governmentally regulated and is not valid to uphold. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of Florida XXXX  XXXX XXXX. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Florida Attorney General 's Office. 
I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, CC : Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NM

Complaint narrative:
I switched my brokerage from Robinhood to XXXX recently. Upon doing this Robinhood restricted my account which means i can not withdraw my cash balance of XXXX from them to my bank account. I have sent 6 emails to them and have yet to receive a response. They are holding my cash interest fee without my consent despite having my bank account linked to them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To whom this may concern ; I just try to see what is going on with my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Social security 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 2021-02-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: VA

Complaint narrative:
The debt reported on my credit score is a result of fraudulent activity. The debt shown is fraud and I would like it removed off my credit ASAP, or me and my XXXX  will have to use legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: OH

Complaint narrative:
Following our application for a Mortgage loan XX/XX/2021, we have since received TWO " Prepaid Credit Cards '' in the mail, both within a week of each other. 

HOWEVER, WE DID NOT apply for these. 

WORSE YET, they were in the names of two different people who we have no clue who they are. These are both addressed to OUR address where we have lived for almost 13 years with these strangers ' names. 

This appears to be two cases of fFRAUDULENT USE of our credit report. 

The two companies and the the fraudulent appliers are : XXXX, XXXX XXXX XXXX, XXXX, TX XXXX Prepared in the name of XXXX XXXX U.S. BANK ReliaCard, XXXX XXXX XXXX, XXXX, IN XXXX Prepared in the name of XXXX XXXX I have not contacted the companies yet, concerned that the call will activate the cards, even if I have not made a deposit. I don't know if they have somehow attached to our Bank accounts and will attempt to make a deposit from them once the card is activated!!?!?!?!?!?!? 

How can we stop 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 non-monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
The debt reported on my credit score is a result of fraudulent activity. The debt shown is fraud and I would like it removed off my credit ASAP, or me and my XXXX will have to use legal action.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: NY

Complaint narrative:
Membership opened XX/XX/XXXX 13 Month contract ended XX/XX/XXXX never renewed contract or signed paperwork charged for XXXX XXXX {$19.00} I called the gym to ask how to cancel membership and given the direction of sending a letter of cancelation, was never told to send it certified sent letter regular mail stating canceling gym membership as of XX/XX/XXXX being charged XX/XX/XXXX plus annual member fee, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX for a grand total of {$290.00} did not receive any letters in mail or phone calls. only received collection mail in XX/XX/XXXX contacted gym said they couldn't assist me forward me to collection agency who repeated ask me for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc.
State: FL

Complaint narrative:
Letter sent to the lender ; Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the Florida state XXXX  XXXX XXXX XXXX and they have verified that your company is not governmentally regulated and is not valid to uphold. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of Florida XXXX XXXX XXXXXXXX. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Florida Attorney General 's Office. 
I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, CC : Federal Trade Commission XXXX XXXX XXXX  Florida State XXXX  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 2021-02-16 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: MD

Complaint narrative:
Hi how are you safe I hope Im filing my complaint against. Experian every time I check my credit score it dont never change and that causes me problems. XXXX and XXXX. I have fair scores Experian always poor why. Thank you hope you find out why

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