vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services
State: TX

Complaint narrative:
I recently had my credit score checked for a mortgage application and it showed an open/active account for a past student loan with ACS Education. This student loaned was paid off about 5 years ago, but the account appears to still be open, even though the balance displaces as {$0.00}. When I tried to contact the loan provider, the phone number was disconnected and the website was no longer active.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Remove from my credit report because these accounts were paid with a pay to delete. ( They were paid and agreed to be removed from my credit report )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear Sir/Ms.i would like to complain about my closed account on line with city bank, I, ve tried to open account on linewith your bank, but after they open the account and i deposited {$1000.00}, your bank representative, closed the account without sending my fund ( the {$1000.00} ) and for almost 4 month I have been calling talking to too many supervisors, and get promisesabout sending the check but they neverfinish their job and i never get my check .MY ( ACCOUNT NUMBER is ( XXXX ) name on the account XXXX XXXX .you are keeping my money .I 'll start complain with you for now .please respond. My phone number is XXXX and the supervisor isXXXX XXXX.Ineed my money

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 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Genesis Lending
State: PA

Complaint narrative:
Back a few months ago I saw a charge on my account that I did not recognize. I contacted the company because I thought the charge was fraud. A few hours later I found out what the charge was from, and called back to let them know all was well, and it was not fraud after all. They still conducted a fraud investigation. My account was locked. I could not access my online account. If I called their customer service number, their system could not locate my account with my account number or my social security number. My account was non existent in their system, so I couldn't even make a payment. That didn't stop them from harassing me and putting a late payment fee on the account that didn't exist. 

I did eventually make a payment by phone, for an amount that I could not afford. But the mishandling of that incident, and finding out that the interest they are charging me is illegal in my home state of Pennsylvania caused me to want no more to do with them. 

Of course the harassment continues. I also find it interesting that their number shows up on my caller ID as spam risk. They were calling daily, which I also believe is illegal. On XX/XX/XXXX of this year I spoke to a representative and formally requested that they no longer contact me. 

Today, at XXXX XXXX, they called again. That is more harassment.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: CA

Complaint narrative:
Dear CFPB, I am reaching out to you again because my mortgage company PLAZA HOME MORTGAGE keeps playing games with my home.

Now after 4 months under review for a loan modification to reduce my monthly payment due to a hardship. come to find out that my application was denied because of my income is not enough.

However Plaza Home Mortgage somehow approved me for a loan modification / repayment plan which increased my monthly payment knowing that the main reason of this request for a loan modification was due to a reduction of income.

im not sure how's this possible when the main reason for asking for help was due to my hardship. Im very frustrated now since im now several months behind and Plaza Home Mortgage told me they will foreclose on my home. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc.
State: CA

Complaint narrative:
XX/XX/XXXX, XXXX XXXX XXXX from North American Recovery was contacted. First of all, she was rude, but I guess that is expected. She stated the amount owed was XXXX. XXXX also stated there is no interest being charged to the account. Which is great, however, the ending balance for this account was XXXX. There also seems to be interest added of XXXX. I told her that we have not gotten any correspondence since 2016. She said that is not a problem that she can send us the new information via mail or email. I asked for both. I never got an email from her and I am still waiting on the information in the mail. 

XX/XX/XXXX, XXXX XXXX from North American Recovery was contacted. She was also rude. She also stated that a settlement can not be reached due to company policy. I asked her about why we are getting interest of XXXX when no interest is being charged on the account? She could not give me a straight answer. I asked to speak to a supervisor. She said that is not a problem. At XXXX she asked if we can hold for a supervisor? I of course said yes. I waited on the phone until XXXX with no resolution, and I was not able to talk to a supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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 — Problem with personal statement of dispute
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
Please send me proof of signature and how you validate debt was mine. send me a signed contract. False information is reporting

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 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account was paid with a pay to delete. ( Agreement to pay account off in return to delete from credit profile )

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 2021-01-27 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: FL

Complaint narrative:
Account was paid with a pay to delete. ( Agreement to pay account off in return to delete from credit profile )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have tried to get a resolution to an issue with Capital One Auto Finance for over 8 months. I was told they wouldn't report me to the credit bureau for a 30 days past due because of the current pandemic. The 30 day mark came and they reported me resulting in a major drop to my credit score. I have tried to have them remove it because of the information they told me, in addition I have paid the account off in full because I do not want to deal with a shady ran organization who have not allowed me to speak to anyone in regard to my complaint. I've faxed them over 20 times with the same information and I haven't heard from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
On XX/XX/2020, I sent a letter to all the credit bureaus with a certified letter asking to see any inaccuracies on this debt as well as how were the able to verify the debt with this collection agency. 

On XXXX XXXX, 2020, I sent a letter to Creditors Bureau Associates to verify a collection that reported on my credit report. I sent a letter requesting for them to send me an original debt from the actual company of an agreement that was made. 

On XXXX XXXX, 2020, I sent a follow up letter to see how they were able to verify the debt with this collection agency. 

Creditors Bureau Associates does not have an account number listed as well on all three bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
When I received my most recent bill from Citi Costco Anywhere Card, after reading the fine print, discovered that my interest rate was 29.99 % APR! I immediately called the company to find out why and when that happened. The representative informed me that the rate on my card increased back in XX/XX/2020 and was due to late payment/credit performance. I asked if that late fee had been refunded, he confirmed that it had. I have no idea why I was not notified of this increase, I would have immediately contacted Citi to correct and stopped using the card. I then asked him to reduce the interest to the original rate. He said that he could not do that, my card was " ineligible ''. That it is reviewed every 6 months and I would have to wait another month or two to call back and ask. Meanwhile, his answer was that I continue paying on the card at 29.99 % interest. This is inexcusable abuse by Citi to charge anyone 30 % interest on a credit card. I have always liked my Costco card which is why I use it but today 's situation is highly concerning.

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 2021-01-27 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: TX

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I called Transunion XX/XX/2020 I kindly asked them to remove 2 inquiries from XXXX XXXX XXXX per the fair credit reporting act 15 usc 1681, and they refused to delete the inquiries. I want CFPB TO investigate.

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 2021-01-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Attended school from XXXX-XXXX with a few short breaks, for family reasons. I noticed on Fed Student Aid, that my loan amounts do not match with consolidated loan total. According to the Fed website my total loans are {$85000.00} with the breakdown of {$50000.00} consolidated which leaves an original loan amounts of {$35000.00} the difference being {$15000.00}. Navient has sent information regarding the consolidated amount but it seems there is roughly a {$10000.00} difference from my original loan amount and interest. I have been trying to find out if the difference is interest, a missing loan amount or an error. I have also contacted XXXX University, have not heard from them. Navient has sent me the same information, which reviewing is correct because they are going of of the information provided after XXXX. Also contact Fed Student Aid but they referred me back to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: LoanCare, LLC
State: DC

Complaint narrative:
I paid off a home equity credit line when I sold the property. Loancare received payment in full on XX/XX/2020. Since that time and after four ( 4 ) dispute attempts through XXXX as well as a number of email and phone communications with Loancare directly, the account remains on my credit file as : 1 ) current ; 2 ) last payment XX/XX/2020 ; 3 ) {$28000.00} balance ; and 4 ) 64 % credit utilization. All of these items are incorrect, except the last payment activity. XXXX refuses to change the data, even after requiring me to send proof of the payment and closed account status. Loancare says they informed XXXX in XX/XX/2020 the account was paid off. They have made me provide proof repeatedly that the account is not reporting correctly. I've done this each time and yet as of today, the account remains inaccurate. This erroneous reporting is negatively impacting my credit score. No one will fix it. I've spent hours on the phone literally and written countless messages and disputes to get this fixed and as a consumer I have no recourse. XXXX says they have to go by what Loancare says because they don't know if I submitted fraudulent docs. Loancare says the sent the correct info in XXXX and they can not resend it. Who can help me fix this mistake? I don't know where next to turn ... Thank you for your assistance and direction.

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 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to investigate into my ID Theft case, and they have left unauthorized credit pulls on my account after multiple accounts of trying to remove them. Several disputes have been opened & no assistance has been provided in over 35 days. This goes against the Fair Credit Reporting Act, and I need this to be fixed as soon as possible. 

Hard Inquiries involved : US SM BUSINESS XX/XX/XXXX XXXX SM BUSINESS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The above inquiries are unauthorized & were not made by me. All other inquiries ARE authorized by 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 non-monetary relief
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Synovus Bank
State: GA

Complaint narrative:
After received a pre-approval, we began the process of closing on the home. The inspection was completed and more paperwork was submitted to my loan officer she then began the conversation of an appraisal. She ordered it for me and she sent over the info for me to pay for it. I do not have my tax returns ( awaiting the IRS to process them ). The entire week and a half my loan officer and her assistant began rudely dismissing even attempt or possible solution that came to mind. Myself and my realtor thought of so many alternatives. After they were all denied it wasn't until the following wee the lender came back to share that she found a solution and would be switching the loan type. Basically starting over from a conventional loan to a FHA loan. Now the lender, and assistant were informing me they were switching all the paperwork from a conventional format to a FHA format, the was the reason of the first extension request to the seller. The lender then came back to share that the FHA paperwork requires more information and processing time for a condo. And the final cherry on top was the condo community I was planning on moving to did not accept FHA so they had to go back in for a spot approval. All in all this entire process lacked knowledge, skill, professionalism, good advice, and most importantly accountability for I have now lost all money I have put towards purchasing this home. The second request was denied by the seller to allow the lender more time to switch the loan type. The condescending language from the beginning was not easy to work with but the bigger picture kept me going. Simply rude responses is never something a client should have to deal with on top of an already tedious task.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I received a late fee on my card and as soon as I realized it was late I paid the balance in full and called to try to request a fee waiver. I explained to the agent that due to COVID I can not afford a {$40.00} late fee and because we suffered a loss of income recently. The agent said there was nothing they could do.

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 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove addresses on my credit report, employers and wrong names. 

My only address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX My only name is XXXX 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 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove addresses on my credit report, employers and wrong names. 

My only address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX My only name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: GA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2020, I mailed a letter about inaccurate accounts on my credit report. It has been well over 30 days and I haven't received results.

Company response to consumer: Closed with explanation