vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-13 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: American Credit Acceptance, LLC
State: WA

Complaint narrative:
ok here goes each time some one applies for a loan, or any type of thing you get you credit score lowed.. so does that person get there score back no .... so why does some one have to have a lower score ... and have to wait 2 years to get it back. and why does it take so long to just talk or put in paper work to get it back .Q : have you every asked for help in any way ... so now be honest have you ... going for a loan is like asking for help so each time you do your credit score goes down on my turn down letter it says Number of recent inquiries ... funny when i ask for help i get a ding that ding is there for 2 years so i am going to sue this place and the company and the credit places, why is it that a persons credit goes down and why does a person have to Waite so long to get it back agene if you need help and can not get help i Quess you are out of luck ... right the company told me i have 38 ... 38 serious delinquency 's funny i have a son with my same name am i getting his to.. i know he uses my name dob, and all my things funny very funny

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
I was a victim of identity theft and I advised the company of this and sent a copy of my federal trade commission identity theft report and FTC Notice to Furnisher on XX/XX/2020 via email and fax. The company has not responded and continues to report this inaccurate information and refuses to delete it or accurately report it as identity theft and fails to report the correct dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: PR

Complaint narrative:
Hello, I tried to transfer XXXX XXXX dollars from my XXXX XXXX  account ( in XXXX XXXX XXXX to my online savings Discover account. This transfer happened on XX/XX/XXXX. Despite my transaction activity saying the transfer was successful, the transfer actually failed due to a error on Discover 's part. I was told this by Discover representatives. On XX/XX/XXXX, Discover attempts to reattempt the transfer and tries to transfer the XXXX again. Since there was already a transfer initiated XXXX XXXX, and the error was on XXXX 's part, XXXX XXXX  charges me with overdraft fees. On XX/XX/XXXX, a return ACH transfer is initiated by Discover, however a week later, neither bank has my XXXX. I've contacted both banks throughout the week and both redirect me to each other. I don't know how to proceed but would like help in order to get this solved as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial
State: IL

Complaint narrative:
I get a alert from my third party credit monitor that a account was reported delinquent 30 days so I look to see who it was and it was West Creek Financial delinquent XXXX past due 10. Now my account has been current for a year now even when I called them and made partial payments they still reported the account current now I have 1 more month to pay them originally was XX/XX/XXXX but due to financial issues which I explained even when I changed my payment dates I have a scheduled payment coming out on the XXXX of this month they couldn't even wait til that payment comes out which would have decrease my amount owed its ridiculous how they waited until I had 1 more month to finish out this account to do this I spoke to a customer service rep about this and all he keep asking can I make any small payment towards the account now remind you I got a payment for the full monthly amount coming out on the XXXX he checks oh yes you do have one then when I asked since that payment is going towards this XXXX that would decrease my amount owe oh yes it will so I asked him about the reporting they did oh we report to XXXX  so I said what about this 30 day delinquent you all reported how is that going to work since I have a payment on the XXXX and that decreases the amount owe which it will bring it to my regular monthly payment which will not make it 30 days delinquent.He tells me that third party credit reporting has not updated yet it takes a while but how was I able to see this 30 day delinquent and I seen it on several third party credit reporting that I have access and get alerts from I think that West Creek Financial is wrong for doing this after waiting a year to report this. And since its still a pandemic aren't company 's are not supposed to report account delinquent even if the consumers make some type of payment or arrangement with companies? I only missed 1 payment back in XXXX had a finance issue which I do call them and since then made partial or some type of payment towards this account. This has affected my credit tremendously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I was a victim of identity theft and I advised the company of this and sent a copy of my federal trade commission identity theft report and FTC Notice to Furnisher on XX/XX/2020 via email and fax. The company has not responded and continues to report this inaccurate information and refuses to delete it or accurately report it as identity theft and fails to report the correct dates.

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 2021-02-13 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: WA

Complaint narrative:
Good day, To whom it may concern, I XXXX XXXX soley submit this complaint on behalf of myself in regards to my credit report. I have recently pulled my credit report and noticed the closed account XXXX being reported as a charge off, however the address associated with this account is incorrect and inaccurate. According to the fair credit reporting act I ask this account be deleted and completely removed off my credit report immediately.I have attached my equifax credit report as proof of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Good day, To whom it may concern, I XXXX XXXX soley submit this complaint on behalf of myself in regards to my credit report. I have recently pulled my credit report and noticed the closed account XXXX being reported as a charge off, however the address associated with this account is incorrect and inaccurate. According to the fair credit reporting act I ask this account be deleted and completely removed off my credit report immediately.I have attached my XXXX  credit report as proof of my claim.

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 2021-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
On XX/XX/XXXX my wife and I applied for a FHA XXXX refinance. This process normally takes no more than 60 days however we have still not been able to close due to Freedom Mortgage 's negligence in providing accurate closing documents. Freedom Mortgage has sent a closing agent out 3 times. The first time was in XXXX, XXXX, and with the last time as early as yesterday XX/XX/XXXX. 

The error in question is the failure to have the accurate balance reflected on the subordination agreement and note. We have reached out to several managers as well as the CEO and other executives of Freedom Mortgage and not one executive officer has responded to our concerns. Beginning to think there is XXXX discrimination when you look at the processing time of this simple loan XXXX no credit / no appraisal ) for XXXX borrowers versus XXXX American borrowers.

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 2021-02-13 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: Exeter Finance, LLC.
State: MS

Complaint narrative:
Exeter finance lender money for car sum of approximately {$21000.00} XX/XX/2012 with agreement of 72 month payment plan upon completion of 72 payment plan a sum of approximately {$12000.00} was still owed on vehicle therefore vehicle was forfeited to finance agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
I had an initial mortgage with loan care ( see prior CFPB complaint ) that was finally refinanced after 7 months. I completed the closing and brought the XXXX dollars they said I needed to " catch up the escrow ''. The home that was refinanced was sold on XX/XX/2021. The closing has been pushed three times due to Lakeview not providing pay off, and payment information. The closing is now on hold because lakeview didn't pay the taxes from the escrow at the refinance. After a week of phone calls I was informed with the real estate attorney who is doing the closing for the buyer that Lakeview took the escrow funds for themselves as closing costs, plus the XXXX they had me to bring to the closing. 
The real estate attorney says there is something very fishy about this as there was no appraisal or appraisal costs and that from the documents I have the taxes are listed as an expense and not one to XXXX. No one was able to say what over XXXX was spent on. He also informed me that they can not just reallocate escrow to themselves. If the escrowed amount is to be used as intended. At this point the initial XXXX in taxes is now XXXX due to late fees and interest. The taxes must be paid for the sell to go thru as the contract can not be extended again.

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 2021-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: OK

Complaint narrative:
I requested and received a forbearance on my mortgage for 90 days. This covered payments normally due XX/XX/XXXX - XX/XX/XXXX. I had made the three previous payments for XXXX XXXX XXXX ) and was up to date at this time. 
I resumed payments starting in XX/XX/XXXX and have made all payments since then. I requested and was given a deferral for the 3 payments during the forbearance period, moving them to the end of the loan term. 
I was in a bankruptcy at the end of XXXX but did not miss any payments, and entered into a reaffirmation agreement with the mortgage holder in XXXX. 
Since XX/XX/XXXX, the mortgage holder has claimed I am one month behind every month. They have sent me notices of Breach and threatened foreclosure. I have tried more than a dozen times to clear this up with them, and each time the person I speak with gives me a different reason for the problem. No one so far has been able to tell me what month I missed. 
I have provided proof of payments to them, but they have not acknowledged this. I have given the dates of all payments to several people on the phone and all of them have agreed the payments were made, but still insist I am behind, possibly from years ago. No one seems to know. 
This seems to me an attempt to collect a deferred payment in violation of XXXX XXXX rules ( it is a XXXX XXXX  loan ) and the CARES act, as it has been suggested several time by the mortgage holder that paying the deferred payments would solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I got synchrony bank XXXX XXXX card. They never informed me that my promotional interest expired. I had it set up on automatic payments. I opened my statement and realized that I have been charged 27 pct apr for the past 2 years. They should send a physical letter informing customer that promo period has ended and u going into interest period if u dont pay in full. They trying to tell me that it was mentioned in one of the statements but they well know that when u have on auto pay no one looks at the statements and hence they should be sending letters. I basically paid interest for two years at 27 % apr which In itself is super high. When I realized they have been openly stealing from me i repaid in full. This product is really pushed by dentist and other doctors and the way Symphony communicates or rather doesnt - they encourage u to go paperless and automatic it gets American consumer further in medical debt. Basically my procedure cost me 50 pct higher than original cost. This must end

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 2021-02-13 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: VA

Complaint narrative:
After I filed complaint about an inaccurate balance showing as past due Experian fixed the issue with the balance. However, the balance was paid in full in XX/XX/XXXX, yet the report now shows the account was in collections until XX/XX/XXXX. This is inaccurate. I paid off the balance in XX/XX/XXXX and then there a mistaken tax bill sent in XX/XX/XXXX, which was cancelled. There was nothing due from me after XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: CA

Complaint narrative:
There was a recent debt added from XXXX XXXX XXXX originally XXXX XXXX in the amount of {$550.00} to my credit that does not belong to me, so I filed a dispute with experian. I received a response stating the invest was complete and there was no change. I know that if there was an actual investigation they would have found out that, that account didnt belong to me. I looked up the company and it is XXXX XXXX, they are saying I had cable opened XX/XX/2020.

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 2021-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
To whom this my concern, My name is XXXX XXXX XXXX, or XXXX XXXX. I was told that I may have get my money back from this banks. But these are the banks that I am have problems with. XXXX XXXX XXXX XXXX, XXXX, XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Bank of American, XXXX XXXX I have been moving and I have some lost of my memory or I was adviced to stop looking for my account. I have more banks but can you help me look for them. They close the account without me knowledging it. Or third party of it. Or just get my credit and go into the account me knowing.

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 2021-02-13 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
There was a recent debt added from Southwest Credit System originally XXXX XXXX in the amount of {$550.00} to my credit that does not belong to me, so I filed a dispute with XXXX. I received a response stating the invest was complete and there was no change. I know that if there was an actual investigation they would have found out that, that account didnt belong to me. I looked up the company and it is XXXX  cable, they are saying I had cable opened XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to the CFPB regarding a payment that I made that was never acknowledged by the creditor. The complaint number is XXXX, a copy of this complaint will be included for your review. On XX/XX/XXXX, I received an email from the CFPD stating the the company has responded, and is working on the issue, an attachment will be provided for your review. I received a letter from Macy 's dated XX/XX/XXXX, which stated that they found /received my payment of {$430.00}, which was credited to my account on XX/XX/XXXX according to the letter, which will be provided for your review. Macy 's also stated that I now have a balance of {$19.00}, which is incorrect, because I provided the statement which showed that {$430.00} was my original balance, and that is what I paid on XX/XX/XXXX in the store located at XXXX XXXX XXXX, XXXX, TN XXXX. Thus, the balance would be {$0.00}. I will provide a copy of the statement for your review. The difference from the statement that I am providing and the balance is {$10.00}, which was added as interest for non-payment, so again, the balance should be 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 2021-02-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
I moved out of XXXX XXXX apartment complex, XXXX XXXX XXXX FL, XX/XX/2020. They refused a final walk through and told me they had my forwarding address. I didn't give full 60 days notice and filled out paperwork stating the balance I would owe for the 15 days in XXXX. For months I never hear from them until I hear from a collection agency one night named IQ Data. I had read about this in some online complaints about the complex, but I had lived there 10 years and never late on rent or anything. I had a few maintenance issues, but that was it. I never thought this would happen to me. I had a good relationship with office personnel and management. So approximately 4 months later I'm called by a very rude and yelling young lady at about XXXX one evening that I owe an amount over {$1000.00} because of damages. I responded there weren't any damages to the apartment and that's why I asked for a final walkthrough because I was out 2 weeks prior to the end of my lease and could've had anything repaired if they said it was damaged. I finally received a letter from IQ data and responded saying I wouldn't pay without an itemized list of the damages. they sent a letter saying " damages ''. Not what was damaged. I am more than willing to pay what I owe, which should be less the {$150.00} deposit they kept for " damages ''. If you call IQ Data and ask for the person on the letter they always say that person isn't there and the same guy just yells. Now they've put this on my credit report which dropped my credit 90 points.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: AL

Complaint narrative:
The online brokerage app, Robinhood, has restricted me from withdrawing my own funds from their platform and has provided no reasoning specific to my account. They informed that restrictions such as these may happen if a consumer 's account is in the negative or a previous bank transfer attempt has failed before, but neither of these cases applies to me so my account should not be restricted.

Company response to consumer: Closed with explanation