vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-08 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: PA

Complaint narrative:
While in bankruptcy protection ( XXXX ) my mortgage was sold to XXXX. Even though monthly mortgage payments as well as monthly bankruptcy payments were made in full and on time, XXXX continued to assess unsubstantiated and unwarranted fees. Three separate complaints were filed with CFPB in XX/XX/XXXXregarding these unlawful charges ( XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ). On XX/XX/XXXX XXXX representative XXXX XXXX sent a letter that stated " XXXX  has determined that there are inaccuracies on your loan and have made corrections. Pursuant to the payment history the XXXX account was indeed current ''. since that time we have been trying to get XXXX to correct late payment notices they posted earlier in XX/XX/XXXXprior to that note. We have sent copies of the checks, as well as the day each individual month they were received and cleared our bank. XXXX sent reports to the credit reporting agencies that each of our first 6 payments to XXXX were 60 days late or more, and has been unwilling to correct this misinformation. Since we did not pay XXXX   anything additional other than mortgage each and every month, and they themselves determined us " current '' as on XX/XX/XXXX, ( and admitted mistakes ), something doesn't line up correctly. On XX/XX/XXXX we attempted to get this information corrected with no success. We filed a new complaint with CFPB ( XXXX ) trying to get the same, again with no success. Again, since the entirety of what we made were scheduled monthly payments every month, in full each and every month in XX/XX/XXXX... and we have the actual checks with the dates each month when they were received and the date they cleared XXXX 's bank that very same month, with no additional monies were sent to XXXX ... they admitted in XX/XX/XXXX they indeed had made inaccuracies with this account and corrected their account records ( and indeed the account was current ), how can there be 6 consecutive months of 60 days or more late from XX/XX/XXXX to XX/XX/XXXX? We even wrote on the front of each check " for use toward XX/XX/XXXX mortgage payment in full '' on XXXX  's check ( received in XX/XX/XXXX cleared by XXXX  XX/XX/XXXX ). This process was repeated each and documented each and every month, for the exact month the payment was due.

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 2020-08-08 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: Grant Mercantile Agency
State: FL

Complaint narrative:
XXXX  has repeatedly failed to validate this debt per my request yet it remains on my credit report and continues to have an increasing balance. 

The creditor Grant Mercantile continuously responds to my complaints but have yet to provide my signature on any documents that authorized transport in a ambulance and who the transport is for. Ive continuously in good faith have offered {$100.00} to settle this account regardless of validating the debt because it is hindering my score with their false reporting. They continuously come back with a counter offer that is outside of my budget and still fail to send me the documentation requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have filed previous complaint against Comenity Bank for harassing phone calls at least twice a day for my son 's credit issues-NOT mine. Obviously they call relatives to try to harass them for someone else 's debt that I have no control over. He does not live with me and it's ridiculous. They have started to harass my younger son as well calling and leaving messages on his cell about my older son 's deliquent account.I have blocked them on my cell but now they call with restricted numbers and leave voice mails! Here are the list of numbers they've used so far : XXXX XXXX Messages on Voice mail from Comenity Bank ( the ones I didn't delete ) Ms. XXXX XXXX XXXXX   XXXX XXXX XXXX XXXX 
Mr. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX. 
Mr. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX. 
XXXX XXXX X XXXX XX/XX/XXXX, XXXX XXXX. 
The account is for my XXXX yr old son XXXX XXXX. I would appreciate any help I can get with having them stop bothering myself and my family who know nothing about my son 's debt issues. I filed complaint before and they stopped calling my home number now our cell numbers! Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello, I hope all is well in the midst of all of the chaos we are currently experiencing all over the world. In an effort to protect myself and loved ones, I wanted to make sure my finances were in order, to make sure my family and I are prepared for the worst. I have not checked my credit score since XX/XX/XXXX, but upon reviewing my report I have noticed several accounts that have been opened in my name that do not belong to me. One of the accounts was removed, and the other account I disputed online through XXXX XXXX. The account that I am disputing is CITIBANK. This account was said to be opened on XX/XX/XXXX. The balance is supposedly {$3400.00}, with an amount past due!! 
There is also a collection that has been added to my account with XXXX XXXX XXXX involving this Citibank account. 

I have never opened a credit card account with this company, and I have never inquired about getting debt with this company. I do not believe in the use of debt to obtain financial freedom. It also seems that payments were made under my personal checking account, although i don't see how that could even be possible. I learned throughout this process that my information was breached and used over the dark web. Please assist me with this issue. Citibank has verified an account that I am not responsible for, and will never be responsible for. This is not right at all for me to be held liable for a crime I did not commit.

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 2020-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NY

Complaint narrative:
I had to put my mortgage on forbearance for a couple of months this year, because I had lost my work. When work started again, I was struggling to keep all my finances in order and make all payments on time. I removed the forbearance from my HPFC ( home point financial ) mortgage at XXXX XXXX XXXX, as soon as I got back to work. When I had removed the forbearance, HPFC immediately increased my mortgage payment for what they said, was a deficit in escrow. This, albeit, placed a further financial burden on me, regardless I made my mortgage payment as soon as funds cleared my XXXX ( XXXX XXXX XXXX ) account from the sale of a property. XXXX XXXX XXXX indicated to me that funds were available for use, and so I went ahead with my mortgage payment. When I had learned that the mortgage payment that I made to HPFC was returned on XX/XX/2020, I immediately made another payment ( on the same day ) to them for the same account to correct the error. The payment was accepted on their website, and a green message indicated " thank you for your payment ''. I thought nothing more of it, and heard nothing about it until I received a paper envelope in my hose mail box indicating that my payment was late! I was shocked and immediately logged into my HPFC mortgage account and discovered that my 2nd payment made on XX/XX/2020 was ALSO returned, I didn't know why this would be, as I had the funds in my XXXX account to cover the payment. I called HPFC and inquired why the 2nd payment was returned and they told me that information had been entered incorrectly. I told them that I had made the payment on their website and it went through. They said that it was some type of error and the payment had not actually gone through. 
I want to do the right thing and pay my bills, I am appalled that this error would have been marked negatively on my credit score. This time of COVID is a great financial struggle for all, and I want to certainly be responsible and reasonable. I strongly feel that the error on HPFC 's part should NOT reflect negatively on my credit reports, and I am outraged at HPFC treatment of my on the phone and lack of responsibility. They had told me they tried to call me, but I have received no call from them. They did not email me, text me. They sent a paper letter in the USPS which arrived days after the 2nd payment was made. Also, feel free to call my cell XXXX. Thank you, and please help me. I appreciate your efforts in my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: TN

Complaint narrative:
I have only looked around at a new home because my current home is being extremely uncooperative. I am a XXXX XXXX XXXX whom works part time making about XXXX dollars less than I was originally making per hour before Covid. That doesnt cover the debt I had finally caught up to and had worked out perfect. I am stressed to the bone and starting to now fall behind on my education because I cant find any form of debt relief I had 110 % under control before recent weeks. I need a home and a place to be able to continue furthering my education but when all these inquiries appear on my credit and destroy my chances of being approved for ANY type of financial help that would allow me to get back on my feet again. I have been unapproved for the amount of a personal loan i would need for debt consolidation. I cant get approved for any financial help at all due to my most recent credit inquiries. Im worried for my future at this point and begging for help. I have individuals looking at my credit report without my authorization and my credit has seriously hit below poor when I have been doing the best I can at setting my payments and bills to ALWAYS be on time. I'm now on the verge of losing everything in my life over something out of my control and consent.

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 2020-08-08 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have only looked around at a new home because my current home is being extremely uncooperative. I am a XXXX XXXX XXXX whom works part time making about XXXX dollars less than I was originally making per hour before Covid. That doesnt cover the debt I had finally caught up to and had worked out perfect. I am stressed to the bone and starting to now fall behind on my education because I cant find any form of debt relief I had 110 % under control before recent weeks. I need a home and a place to be able to continue furthering my education but when all these inquiries appear on my credit and destroy my chances of being approved for ANY type of financial help that would allow me to get back on my feet again. I have been unapproved for the amount of a personal loan i would need for debt consolidation. I cant get approved for any financial help at all due to my most recent credit inquiries. Im worried for my future at this point and begging for help. I have individuals looking at my credit report without my authorization and my credit has seriously hit below poor when I have been doing the best I can at setting my payments and bills to ALWAYS be on time. I'm now on the verge of losing everything in my life over something out of my control and consent.

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 2020-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: CA

Complaint narrative:
i have 2 debit cards with netspend and they refuse to let me use the money that i deposited in my accounts with my money. Even after almost 20 attempts and verification that i am the holder of the credit cards they still will not release the restrictions on my debit cards to get my money. This has been going on for two whole days. Even after verification and i want criminal prosecution of this company i have my social security checks and XXXX loan XXXX  loan and stimulus checks going to these accounts.

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 2020-08-08 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There are several unauthorized inquires on my credit report with JPMCB on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. i also have file an identity theft report with the federal Trade Commission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-08 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: NY

Complaint narrative:
I contacted CFPB in regards to the XXXX XXXX XXXX 's lawsuit settlement. They provided me with a positive response in that they will contact the 4 major credit bureaus to remove the inaccurate account from my credit report. I have the letter as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Target 's store Red Card is reporting that my bank account has an " invalid '' Routing Number. When I called in to support they said they don't let you pay with " Online Bank Accounts ''. I have no had issues paying with XXXX XXXX, XXXX, or XXXX XXXX XXXX   XXXX, and there is no difference between those and the XXXX XXXX XXXX XXXX and should not be a way for them to XXXX customers who are just trying to pay their bills with US Dollar tender in a valid US bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
I had taken out an auto loan in XXXX and i had purchased gap coverage. When the vehicle began totaled they tried changing the term of the agreement stating that because the loan was behind on payments the gap coverage doesn't cover the whole loan. Which I don't understand because gap insurance wasn't purchased through them. On XXXX XXXX I had a vehicle become totaled by a accident. I provided all necessary information to the financial institution credit acceptance to process for GAP. The company came back a month and a half later stating they received the payment for XXXX they paid {$7900.00} and gap only paid {$5300.00} leaving a balance of {$3400.00}. We asked several times in XXXX why was there still a balance when we had GAP they said because the vehicle was behind on payments and GAP wouldn't cover the whole thing. We reached out to the GAP company to find out why only a portion was paid. They stated they paid what the finance company reported to them and would have paid the entire amount, but was only given {$5300.00} which they paid. In XXXX they sent the account to a law firm for collection. We have been unsuccessful in resolving this issue.

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 2020-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I contacted American Express by telephone on XX/XX/2020 and was told by the agent that she would call back on XX/XX/2020 to apply a credit to my account equal in value to the {$95.00} annual membership fee. I received an email subsequently from American Express on XX/XX/2020 to rate my satisfaction with the XX/XX/2020 phone call. 

Unfortunately, I never received the call on XX/XX/2020. When I called American Express on XX/XX/2020 I was told that they have a corporate policy that they would not waive or refund membership fees. They had no record of the XX/XX/2020 call. 

I am concerned that American Express is misrepresenting information to its customers and potentially committing fraud. Additionally, I am concerned that they do not have a record of my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: MI

Complaint narrative:
My lender ( XXXX ) has been trying to get my equifax credit report, XXXX XXXX and my XXXX XXXX from equifax. But the lender keeps getting a error code .it says they can't verify the information or they can't find me with the information provided. I've contacted equifax 5 times and there saying I dont have a fraud alert or freeze on my credit profile and the lender should be able to pull my credit. But thats not the case.ive been trying to get this matter handled since XX/XX/XXXX ... why can't lenders access my equifax credit report??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: OH

Complaint narrative:
On XX/XX/2020, I sent Experian a follow-up letter requesting Method of Verification as they had verified an inaccurate account as being listed as accurate XXXX XXXX XXXX  XXXX. 

According to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Based on my certified mailing tracking record number XXXX Experian received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received not received their Method of Verification within 15 days of my request. By not replying in a timely manner to my initial letter Experian has not only violated federal law, but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.

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 2020-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have {$5000.00} in VENMO and they will not let me retrieve my funds. This is cash money they are holding XXXX. 
This should be illegal!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Td bank. Sevond time There fruad depart called to letcus know potential fraud been attemted in nevada but were in florida. So we cloed it .they cost us hindreds.in overdraft ans late fees.so the bank mnager gave us his word that only the 2 pending items will keep it open, nothing ekse will be able to ach or pending be able to go through, same thing they tolb d us last time. 2 days later a ach comes out of our closed account that has no money, so they take it out of our new account with a differnt account # and the company that took the ach out didnt even hsve our new account # s so i rush to atm to see if i can still possiby get that ach back and it ket me.now there calli g me every day, firsf ever apolgy letter ever gotton from TD.waved all overdraft and fees.but they still want me to pay for the ach i didnt authurzie and another bill i didnt authurize.out of a closed account .for there mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted this request to my mortgage company. Mortgage company name is : Shellpoint Mortgage now known as NewRez Financial Since XXXX of XXXX, my wife and I started a repayment plan to fulfill according to the mortgage company, a past due amount of {$12000.00}. The initial payment of {$4000.00} we paid in XX/XX/XXXX ; the monthly payments were {$3100.00} which includes regular monthly payments of {$2500.00} plus {$630.00} for 12 months. In XXXX of XXXX due to COVID19 we requested a forbearance regarding the mortgage payments we were approved. Starting XX/XX/XXXX, 3 payments were made ( XXXX {$1200.00}, XX/XX/XXXX {$1200.00}, XX/XX/XXXX, {$1500.00}, and XX/XX/XXXX, {$2500.00} ) Keep in mind no payments were required during the forbearance period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation