vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
When we were looking to start using credit cards to help build our credit we contacted USAA to see what options they had. The rep we spoke with told us our best option was their secured credit card. The benefit was after 2 years of payments we would be moved to an unsecured card and our deposit would be returned to us. We chose to do this since we really wanted to build credit. We had to call today to say we didn't want our deposit to roll into a CD and we wanted to withdraw it and to ask how the procedure was moving forward. ( Did we need new cards or anything else that we needed to do since our 2 years was up. ) The woman on the phone said we don't do secured cards anymore so you'll have to reapply ( dinging our credit again ) if we chose to withdraw our money. I asked her if she was really telling me that after we had done everything that was asked of us USAA was not going to follow thru on end of our contract. She put us on hold for quite awhile while she spoke with another department and came back. She had no explanation except that we had to reapply. I again asked the same question and she started beating around the bush so I stopped her and said it's a yes or no question and she no they would not be honoring the terms of the agreement. I advised that it would be in her best interest to get me a supervisor. Guess what, no supervisors were available and no one in ERT ( whatever that is ) was available either. She said she was putting in for an emergency call back from a supervisor. I said they will call today, correct? The CD will renew tomorrow and the decision has to be made today. She said she making it urgent. I again said they will call today correct. She said I am hanging up to get someone right now. It is now 2 hours later and no phone call and they are closed. No call. Not surprised. USAA has gone downhill since their new CEO has taken over. We are XXXX XXXX XXXX and can not go thru having our credit dinged more than it already is getting dinged right now by the federal government and banks to help out in the shut down. We chose USAA because of the program that they described to us and we did what was asked of us. They should be following thru and doing their part now that the 2 years are up. We have seen them break federal and state laws when it comes to insurance and have moved our insurance from them and now we see they think they are above the law in banking also. We hope that you will help us to let them know they are not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I applied for forbearance on my VA mortgage that I've had for 15 years 2 of the those last years are currently with Loancare / XXXX and I have never been late on paying. 

Side note : 2 years ago my loan was sold to XXXX Loancare and my payments immediately went up $ XXXX each month. At that time, I had called to complain about this upcharge and they came up with some excuse that I didn't understand. I found it odd my payments went up at the same time they acquired my loan where the payments had been religiously the same for 13 years before that or slowly decreasing. It came down after a year, but now is still {$86.00} dollars higher than it used to be. This increase seems unethical. 

Fast Fwd to Pandemic times ... I apply for some relief and since Loancare is disgusting they don't offer deferment they only offer forbearance. I apply for 6 months and get approved. I'm XXXX   XXXX and haven't made a dime since the first week of XX/XX/XXXX, nor have I received any stimulus or unemployment yet. 

I do more digging and research to find Loancare is really damaging people 's credit during forbearance period. Pushing people 's credit scores 50-75pts lower and to make matters worse negatively effecting co-borrowers credit as well. How is this possible given text of Cares act. Also, it makes refinancing next to impossible at any bank or loan servicer when they report forbearance on people 's credit report. So today I canceled the forbearance not even 24 hrs after I got approved for it. They said they couldn't guarantee it wouldn't be posted as in default and I need to call back tomorrow. 

This company is practicing unethical standards and really needs to be fined or shut down.

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 2020-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX   XXXX {$710.00} these accounts was an result of identify theft. These companies was requested for deletion. company agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
Toward the end of last year my escrow changed as typical, and I thought that it changed a month later than did. The mortgage company held my money without applying it to my payment until they received the entire amount. Then they ended up applying it toward principal without my knowledge despite my calls to them to explain the situation. Now they are telling me I am a month late on my mortgage when i have in fact paid them every cent that i was requires. They are telling me that the regulations require them to apply the payment to principal after 60 days. So, that suggests I was over 60 days late getting the balance of the funds to them. That is not possible since I have Made my payments. I have on numerous occasions requested they apply the amount the applied to principal toward the payment as it should have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Just wan na know how in XXXX am I supposed to have 60 days to respond if you closed the XXXX thing after 30 days?

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 2020-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage company has a forebearance program but how is one suppose to pay back a lump sum of 3 - 6 month of mortgage if one can not pay currently. I think Mr. Cooper is avaricous and very greedy - if people have owned for over 15 years or more why can't they forgive even a minimum of 3 months - I am not alone I know this for sure but a break would be beneficial for consumers. The finance institutions are not doing this and taking advantage of their position and consumers. Why do we have to have a late payment to qualify when we've been paying on time for the last 15 years or more. They are not complying with the government/President 's request to truly assist their customers. Thank you for listening

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
Hey, I recently conducted a review of my credit report, and I noticed that this company ( DIVERSIFIED CONSULTANTS INC ) showed a collection account that I find to be problematic. I have reached out o them and they informed me that the balance due was from a past due XXXX  account. I have never had or owned a XXXX  account/phone or ever established service of any kind from XXXX. 

The company also informed me that the account has been open since XX/XX/2017 ( 2 yrs, 9 mos ) and I have been with XXXX for the past 12 years. 

I contacted XXXX  which is the credit bureau that they are reporting this collection to as well, and asked them to take action to get thi collection removed from their records and to erase any record of the collection with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue upon investigation. I wanted to contact you as well, just to make sure this gets done. 
Please investigate this collection and this company ( DIVERSIFIED CONSULTANTS INC ) at your earliest possible convenience, as I am  going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Ive talked to this company ( DIVERSIFIED CONSULTANTS INC ) over 10x already informing them that this is not my debt/account/and or collection and have yet to get any positive feedback or validation that this account is indeed mine. 

My name is XXXX XXXX and you can contact me via email or phone with any correspondence on this matter as it will help me further on getting this collection removed from my credit. 
( Phone ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ONEMAIN FINANCE CORPORATION
State: FL

Complaint narrative:
* 'One Main Financial ' advertised an offer and i signed for, but it was a false advertisement. They were offering a 10,000 loan and the payback was over 30,000. Therefore i think they have to remove the hard inquiries for false advertisement. 

* XXXX XXXX sent me letter of pre-approval for car refinance, and i ended up with Hard inquiry. 

* I do not remember much about the XXXX XXXX XXXX I only do not want those inquiries last any longer on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: GA

Complaint narrative:
I attended XXXX University 's XXXX program from XX/XX/2018 to XX/XX/2018. On the last day of the semester, I withdrew per XXXX 's published guidelines. My account at this time was paid in full. After withdrawal, XXXX attempted to charge me {$2400.00} for a session in which I never attended a single second. They then reported this balance falsely on my credit reports by either mail or wire, unbeknownst to me. This fraudulent reporting has adversely affected my credit score every month since approximately XX/XX/2018.

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 2020-05-01 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 attended XXXX University 's XXXX program from XX/XX/2018 to XX/XX/2018. On the last day of the semester, I withdrew per XXXX 's published guidelines. My account at this time was paid in full. After withdrawal, XXXX attempted to charge me {$2400.00} for a session in which I never attended a single second. They then reported this balance falsely on my credit reports by either mail or wire, unbeknownst to me. This fraudulent reporting has adversely affected my credit score every month since approximately XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I attended XXXX University 's XXXX program from XX/XX/2018 to XX/XX/2018. On the last day of the semester, I withdrew per XXXX 's published guidelines. My account at this time was paid in full. After withdrawal, XXXX attempted to charge me {$2400.00} for a session in which I never attended a single second. They then reported this balance falsely on my credit reports by either mail or wire, unbeknownst to me. This fraudulent reporting has adversely affected my credit score every month since approximately XX/XX/2018.

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 2020-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I do not have knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing a copy of my annual credit report, I have noticed that I have a few judgments placed in my file which is causing my credit to be less than mediocre. Both of these alleged debts have been dismissed and discharged from my pay which has caused tremendous financial hardship. Please have these debts removed off my credit for they have been harming my credit and it has prevented me from acquiring new credit.

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 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing a copy of my annual credit report, I have noticed that I have a few judgments placed in my file which is causing my credit to be less than mediocre. Both of these alleged debts have been dismissed and discharged from my pay which has caused tremendous financial hardship. Please have these debts removed off my credit for they have been harming my credit and it has prevented me from acquiring new credit.

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 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing a copy of my annual credit report, I have noticed that I have a few judgments placed in my file which is causing my credit to be less than mediocre. Both of these alleged debts have been dismissed and discharged from my pay which has caused tremendous financial hardship. Please have these debts removed off my credit for they have been harming my credit and it has prevented me from acquiring new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: NJ

Complaint narrative:
In XX/XX/2020 netspend had closed My bank account and will not give me my money that was refunded from merchants that was refuned back to my closed account during this 2020 pandemic. my social security and ssi check was going into this previous account and they closed my account on me without informing me that they done it and my checks went back to the us treasury.i was without aid for 30 days because they have closed my account and will not let me open a new account with netspend. netspend is not giving me any money that i was refunded from merchants at all. netspend will not transfer my refunds to my new bank account or to me in a check form.netspend account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX XXXX XXXX claim # 1 claim date XX/XX/2020 claim # XXXX amount {$50.00} claim # 2 claim date XX/XX/2020 claim # XXXX amount {$50.00}. net spend phone number is XXXX XXXX XXXX XXXX.thank you so much i want them to tranfer my refunds to my new account XXXX XXXX  rt # XXXX acct # XXXX.the netspend account is closed and they are keeping my refunds during an national emergency.i dont owe them netspend no money at all..if i did owe them its their fault because netspend closed the account themselves.thanks

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 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have paid for my credit report expecting to get my credit score because i am trying to buy a Home. please put my credit score up ASAP. this is slowing down my process on getting a home. i have to be out of the place that i am staying in mid next month. i need this ASAP

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 2020-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I tried to pay the debt for {$100.00} in full. They stated that even though they could take it off my credit, they would not for 3-6 months. Now, within two days, they took my credit down 9 points because they increased the debt amount by {$1.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have paid for my credit report expecting to get my credit score because i am trying to buy a Home. please put my credit score up ASAP. this is slowing down my process on getting a home. i have to be out of the place that i am staying in mid next month. i need this ASAP

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 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have paid for my credit report expecting to get my credit score because i am trying to buy a Home. please put my credit score up ASAP. this is slowing down my process on getting a home. i have to be out of the place that i am staying in mid next month. i need this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
* 'XXXX XXXX XXXX ' advertised an offer and i signed for, but it was a false advertisement. They were offering a XXXX  loan and the payback was over 30,000. Therefore i think they have to remove the hard inquiries for false advertisement. 

XXXX Capital one sent me letter of pre-approval for car refinance, and i ended up with Hard inquiry. 

* I do not remember much about the XXXX XXXX XXXX I only do not want those inquiries last any longer on my credit report

Company response to consumer: Closed with non-monetary relief