vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Dear Sir or Madam : On XX/XX/2021, I notified Calvary Portfolio Services in writing that this debt be Exemption, Due to Hardship. They refused to cooperate or consider, or verify. 
Calvary Portfolio services refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against Calvary Portfolio Services under the Dodd-Frank Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: FL

Complaint narrative:
I requested proof of debt on XX/XX/2021 of a debt XXXX reports I owe. 

I demanded copy of agreement, and none was provided. 

XXXX sent the attached letter dated XX/XX/2021, did not addressed the request, yet continues to report false information on my credit. 

Pursuant to the FDCPA ( 15 USC 1692g Sec. 809 ( b ) ), I am entitled to receive a copy of any credit card agreement and a statement of account when I request it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing a complaint with CFPB as I have been trying for several to request Experian to provide full validation of this late account XXXX XXXX Account number XXXX. Experian has violated my rights under FCRA, Fair credit and billing Act. I have requested by certified mail requesting full validation under FRA and requested documentations under fair credit and billing act. I need to know how they came up with the conclusion that I was late. Please comply with this request or delete 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 2022-01-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have been working with my mortgage broker since XX/XX/XXXX. We needed to get a loan payoff from PHH Mortgage. I requested one on XX/XX/XXXX from XXXX. The new lender that my broker had lined up was not ready to close. So a new payoff was ordered on XX/XX/XXXX they stated it would be available in 14 days, we did receive this one but the payoff date was off. As my broker told me the payoff needed to be good through months end due to the fact a reverse mortgage is an FHA loan and all payoff must be good through that month. 

I did receive a communication in the mail from PHH mortgage that my loan has been transferred on XX/XX/XXXX to a new servicer. When i spoke to the servicer on the phone XX/XX/XXXX they stated the payoff would be to my home within 10 days. 

It is now XX/XX/XXXX and i have not received anything from this lender. I would like some help or answers. I just want to refi this loan and take advantage of the excess equity in my home. All other items have been cleared by the new lender but without a payoff they will not fund the new loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I rented a vehicle ( XXXXl ) from XXXX XXXX XXXXXXXX XXXX XXXX ( located at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ) on XX/XX/XXXX using the self check in method online. The amount of the charge is mostly based on the amount of miles driven. I returned the vehicle the same day after driving it about XXXX miles. The merchant, XXXX XXXX XXXX XXXX XXXX, did not check the miles until the next day, XX/XX/XXXX at XXXX XXXX, and claimed that I drove the vehicle XXXX miles. They charged me {$400.00} instead of {$120.00}. They overcharged me by {$270.00}. They charged me more than three times what they should have. They sent a " contract '' that does not contain my signature with this {$400.00} amount via email on XX/XX/XXXX at XXXX XXXX. 

I immediately disputed the purchase amount with my credit card company, Capital One. They did a credit adjustment for the disputed amount of {$270.00} on XX/XX/XXXX since this amount was in dispute. Capital One said that they would contact the merchant for further information. 

However, on XX/XX/XXXX, Capital One charged the {$270.00} back to my credit card account. I called them on XX/XX/XXXX asking why did this. They claimed that I needed to provide more evidence. On XX/XX/XXXX, I faxed them documentation including documentation from my XXXX Timeline that showed where I was on XX/XX/XXXX and a receipt from XXXX XXXX ( a grocery store located at XXXX XXXX XXXX XXXX, XXXX , DC XXXX ) from XX/XX/XXXX at XXXX XXXX  showing that I was not at the XXXX XXXX XXXX XXXX XXXX at the time that they checked the truck 's miles on XX/XX/XXXX. I also sent the email in which XXXX XXXX sent me the receipt. 

When I called Capital One on XX/XX/XXXX, they confirmed that they received the documents. I further explained my case. They refused to credit the disputed amount from the credit card account saying that it is " part of the process '' and that I should hear back from them within the next 7 to 10 business days, which would be after the credit card due date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, Citibank, n, a received our written request under RESPA law. Citibank not only failed to acknowledge the written request but also failed to respond. We are seeking a copy of the allege loan agreement. On XX/XX/XXXX, Citibank filed a law suit demanding payment. The credit agreement was never signed by the lender. Under Florida statute XXXX A credit agreement is not valid unless it's signed by both the debt and the creditor. The loan agreement does not reflect it was executed by citibank therefore we never had a valid contract. Assuming that we had a valid contract which we do not, Citibank was barred from filling the action because we modified the first lien back in XX/XX/XXXX. Under the HAMP guideline when debtor engages into a first lien loan modification the bank is barred by treasury guiltiness to dismiss the action. Citibank must dismiss the action but also extinguished the debt. see attached supported documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX fraudulent charges were made on my Apple credit card. They were made to two different airlines XXXX XXXX XXXX 
I was In the hospital on the XXXX having XXXX XXXX and continued to be in the hospital until XXXX XXXX. 
I did file a complaint from my hospital bed having seen my latest statement and had them close the account. 
This is still ongoing I was credited back three charges but not one for {$720.00} to XXXX XXXX which they have already credited me to {$230.00} with XXXX XXXX. 
Wrote a letter in XXXX sent proof of my hospitalization phone records that I called Apple card services and requested a new card. Its almost 6 months later and they keep telling me that they are not resolving the dispute in my favor. This doesnt make any sense to me Im in battling XXXX now for nine months and havent flown in years. 
Their only response in their investigation was that they basically believe the vendor, that it was me that did the charging. 
That doesnt even make sense. I need some help with this its causing me a lot of stress and Im not I dont seem to be getting anywhere with Apple support or anybody else thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: MD

Complaint narrative:
XXXX XXXX has just destroyed every credit report ( transunion, XXXX, XXXX  ) with inaccurate information and predatory lending practices. They report payments being made that are not happening, then they will turn around and report payments not being made after the case with the vehicle in question has been resolved in court. Just last week I saw payments being reported made & I have not made any payments for a few years now. I looked through the contract for the vehicle and noticed that there was a job listed for my consigner that she never had with income in order to secure the loan. There were alot of other inaccuracies that they used to put us in a vehicle that was overpriced & we could not afford, ran through the contract quickly when we were signing so we would not notice. We made payments for years and not one payment is listed on any credit report. They keep reporting payments & erasing them causing havoc on my credit scores. I have complained & disputed this many times with all 3 credit bureaus and it still is on my credit report causing major damage to my score for years. They have also been sued in court by consumers for predatory lending just a few months ago. XXXX XXXX is terrible and they should not be allowed to damage peoples lives like this. This account needs to be removed from my credit report & my cosigner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06 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: CA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$270.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: MN

Complaint narrative:
I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: AR

Complaint narrative:
On XX/XX/XXXX, I called village capitol about my payment, why it has never cleared. 
The lady on the phone said they never received it. I then explained that my bank sent a check for XXXX dollars to them on the XX/XX/XXXX and it reached XXXX texas on the XXXX. They said that they have had problems with the XXXX mailbox. I asked her why they had not gone to the post office or checked the post office box for the payment, she said she did not know why it had not been picked up or recieved. I then called my bank they said they had sent it, I then looked online account and it showed it had been sent and recieved at XXXX post office. When I called back after XXXX I told them I would stop payment and call them to make the XXXX payment she then replies that there would be a late fee attached I then asked why she said because they never recieved it. I then said you lost my payment why shouold I be charged a late fee for your mistake, she said again that they had to because it was late. I hung up and called them the day before new years eve and made the payment with the late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
XXXX of XXXX I filed for a Covid forbearance plan due to lack of work/income reduction related to the XXXX pandemic. As of XX/XX/XXXX that forbearance plan was scheduled to end. I had just gotten a new job and was prepared to resume my mortgage payments as scheduled. I was offered several different repayment options during my forbearance period, most of which I was either lied to about or AmeriHome refused to provide me with any detailed information about when I requested. When it came time to file for a repayment plan the only one that I was told was an option for me was the Partial Claim. Seeing no other way to proceed, I accepted this. I signed the paperwork as instructed and mailed overnight to AmeriHome on XX/XX/XXXX. I had no communication or correspondence from AmeriHome for several weeks after. With my XX/XX/XXXX payment coming due I reached out to check the status and was told my paperwork needed to be resigned. I patiently waited another several weeks and never received the new paperwork. I reached out again XXXX and was told the request for new paperwork was being processed. On XX/XX/XXXX I still had not received anything and called in again to submit another request for the Partial Claim paperwork. I was told I should receive this paperwork no later than XX/XX/XXXX. Again, I did not receive anything and even AmeriHome representatives were not sure why nothing was being sent to me. The week of XX/XX/XXXX I spoke to another representative that made me aware of a loan modification option in which my mortgage could be extended and interest rate lowered in order for me to resume making payments at a lower amount. This was an option I originally wanted to take but was not offered in XXXX even at my request. Now, paperwork for this option was supposed to have been sent and I was told I would receive by end of XXXX at the latest. As of today, XX/XX/XXXX, I have not received anything from AmeriHome, despite repeated requests, mailed letters, and exhausting efforts. I am growing very concerned that legal action may be necessary to avoid damage to my credit and attempted foreclosure by AmeriHome even though I am ready, willing, and able to resume my mortgage payments. A process that was supposed to be resolved in XXXX has now taken more than 3 additional months which is far beyond any reasonable timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
From the Federal Student Loan Website at XXXX : XXXX " On XXXX XXXX, XXXX, the U.S. Department of Education ( ED ) extended the student loan payment pause through XX/XX/XXXX. 

The pause includes the following relief measures for eligible loans : - a suspension of loan payments - a 0 % interest rate - stopped collections on defaulted loans '' Today, XX/XX/XXXX, I received an electronic communication from Aidvantage - my federal student loan servicer. This letter is dated XX/XX/XXXX, and states as follows : " Beginning on XX/XX/XXXX, a new Auto Pay amount of {$350.00} will be debited from your designated bank account for the student loans listed below. '' A copy ( PDF ) of this letter is attached to this complaint. 

I would like to understand why Aidvantage appears unaware of the CARES Act extension directed by the US Department of Education on XX/XX/XXXX. The letter from Aidvantage appears to be in direct contradiction to the directive issued by the US Department of Education on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express closed my account ending in XXXX. I've been a loyal customer for many many years, I depend on this card. This was an unfair closure. I want the card reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: FL

Complaint narrative:
I requested proof of debt on XX/XX/2021 of a debt XXXX reports I owe. 

I demanded copy of agreement, and none was provided. 

XXXX sent the attached letter dated XX/XX/2021, did not addressed the request, yet continues to report false information on my credit. 

Pursuant to the FDCPA ( 15 USC 1692g Sec. 809 ( b ) ), I am entitled to receive a copy of any credit card agreement and a statement of account when I request it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06 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: MN

Complaint narrative:
I have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06 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: IL

Complaint narrative:
I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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:
XXXX didnt verify bankruptcy case Id # XXXX correctly. They verified it thru a third party vendor and not the bankruptcy court. As I advised they are reporting incorrect information as I am still getting collections from debts that were included and they didnt provide physical proof of this debt and how they verified it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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:
XXXX didnt verify bankruptcy case Id # XXXX correctly. They verified it thru a third party vendor and not the bankruptcy court. As I advised they are reporting incorrect information as I am still getting collections from debts that were included and they didnt provide physical proof of this debt and how they verified it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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:
Equifax didnt verify bankruptcy case Id # XXXX correctly. They verified it thru a third party vendor and not the bankruptcy court. As I advised they are reporting incorrect information as I am still getting collections from debts that were included and they didnt provide physical proof of this debt and how they verified it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: EQUIFAX, INC.
State: IN

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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 have attached and FTC report please revise

Company response to consumer: Closed with explanation