vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Credit card company Goldman Sacks mailed Apple credit card not applied for by myself. XX/XX/XXXX collections called requesting payment for {$32.00}. I tried to pay at that moment but was told I was not able to do so. I requested the land address to mail payment to Apple. I was provided case number XXXX and mail to Goldman Sachs Bank USA, XXXX XXXX XXXX Branch XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX. I mailed this {$35.00} check to that address and as of today they say It has not arrived for processing. The time and efforts put into this at the point is such that I personally resent this time spent on this matter. Today I provided Goldman Sacks with the number of the check and the day it was written XX/XX/21. They are continuing to hound me for the {$32.00} payment. They suggested I fill out this complaint as not initiating this account could indicate fraud regarding someone filling out the application in my name and activating the account when I did not activate it. But someone did. Today the {$32.00} remains outstanding. Please help to clarify my situation, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I contacted Ally Bank and XXXX XXXX to request that they report my on-time payments to them for cars they financed in XXXX and XXXX. Between the two companies, I paid 61 payments on-time - but not a single payment was reflected on any of the three credit bureaus. 

While I filed Chapter XXXX in XXXX, I never stopped making on-time payments on our cars. When I contacted both banks, they informed me that it is company policy not to give me credit for on-time payments before, during, or after filing Chapter XXXX. I was told the only way to initiate credit bureau reporting is to refinance the cars with another bank. 

I believe this to be unfair consumer policy and request it be investigated.

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 2021-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a CA EDD customer. I filed a claim in XX/XX/XXXX. I started getting money deposited onto a Bank of America Debit card. On 2 dates in XX/XX/XXXX : XX/XX/XXXX in SF CA {$200.00} and XX/XX/XXXX in SF, {$1000.00} from a savemart. Also 2 dates in XXXX XX/XX/XXXX XXXX, CA {$1000.00} and XX/XX/XXXX in XXXX XXXX CA, from a XXXX XXXX ATM, {$100.00}. These transactions were not mine. I called EDD and BofA and reported the fraud, Com code is XXXX. Claim number is XXXX. EDD froze my account as did BofA. EDD unfroze my account in a few days. I now get paper checks from the EDD. BofA tried to blame EDD for the account being frozen, just today my account is unfrozen, yet it will take up to 45 day for the " research Dept '' to research and then possibly make a decision. Enough! I have spoken to hundreds of CSR and supervisors, they can't do anything! I have filed a police report, # XXXX by XXXX XXXX. XXXX Co. XXXX 's office. The amount of my claim is {$2300.00}. The bank claims to have a " zero liability '' fraud policy. XXXX, it is a Zero Accountability policy for BofA. Please help me get my money back.

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 2021-04-05 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: TX

Complaint narrative:
This account is fraudulent. I was told multiple times by collection managers that this account would be deleted after me sending in the police report and FTC identity theft report. My name was used in a fraudulent identity theft crime. This account needs to be permanently deleted and I need to be deleted off of this database, I have been lied to multiple times and told this would be deleted and never reported again. The company deleted this account multiple times and keeps adding back to my credit. This is defamation and negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I filed a dispute with the credit bureaus ' XXXX, Equifax and XXXX  on XXXX and have not received any response from any of the companies they have violated my rights as a consumer under the FCRA 15 usc 1681 they have violated my privacy and have furnished accounts without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX i went to XXXX. XXXX in XXXX XXXX for service of my XXXX XXXX XXXX XXXX  originally leased from XXXX. XXXX. 
Brake  and Oil service is performed same day and p aid {$500.00} as agreed. 
After returning home to XXXX XXXX ( 120 miles each way!!! ) Warning Light come up ' INCORRECT OIL LEVEL-STOP THE VEHICLE " I called XXXX immediately to report problem. I was inform that is probably computer glitch and is going to go away. It DID NOT. Problem persisted and after calling XXXX. XXXX NUMEROUS times with No luck and leaving messages to service Manager XXXX XXXX with few apologetic text messages back I called XXXX XXXX in XXXX XXXX and, after I was advised Not XXXXo drive the car, I book first available appointment on XX/XX/XXXX. 
Overfill of Oil was diagnosed and Oil service performed by XXXX XXXX Again. 
Since Covid -19 situation and luck of technician in XXXX XXXX of SD my car was in a service for 15 days!!! 
CAR THAT I'M PAYING {$1600.00} A MONTH LEASE to Very same XXXX. XXXX. 

After that I contacted XXXX. XXXX more than XXXX times via phone, text and Email but even after XXXX XXXX from XXXX XXXX XXXX XXXX contacted them and CONFIRM that Oil service performed XX/XX/XXXX by XXXX. XXXX was INCORRECT and need to be performed Again - XXXX DID NOT OFFER ANY RESOLUTION. 
After Disputing Portion of the Charges related with Oil change ( {$250.00} ) with Chase, CHASE Bank sided with XXXX. XXXX and declined my dispute even thou I PROVIDE MANY PROOFS and WITNESS that service was NOT provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I had my wife assist me in opening a Capital One 360 checking account under their promotion where I deposited {$1000.00} into the account within 60 days and they would give me {$400.00}. No where on the terms state that I must initiate the transfer from my outside bank TO them, just that the funds needed to be an ACH from an outside institution TO Capital One which total {$1000.00}. 
I did this, I initiated two {$500.00} transactions from my XXXX XXXX account To Capital One. I called to ask them why I did not see the promotion deposited. They claim I did not meet the terms of INITIATING the transfer from an outside bank to them, and send me the terms which I already had a copy of. I explained to them that when I had assistance from their rep opening the account, i could do a transfer fmoney between XXXX, XXXX, XXXX, an outside bank, or direct deposit and all of those would count as a deposit as long as it was an ACH and the total was {$1000.00} in 60 days. They did not state the transfer MUST be initiated from the outside source, just that the funds must come from the outside source to qualify. 
There terms were not clear and did not include this, now they are trying to withhold the {$400.00} bonus for opening an account with them although I met all other requirements according to them, but because I did not initiate the transfer from my outside institution to them they are withholding the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
I have been battling this loan company since the inception of the loan. They keep reporting me as late when the account is supposed to be in deferment. At the start of the pandemic I was told that my account was covered in the federal stay ordered my the President but my account was still reported as late. I was told to dispute it for correction but instead they verified. it. I spoke with a supervisor XXXX XXXX who was supposed to look into this and call me back but never did. The I spoke with her Sup a XXXX XXXX XXXX who assured me she would correct the reporting and the account was to be in deferment. Not only was it not corrected they now have 4 late payments reporting. The only thing reporting late on my credit and its killing my XXXXredit score and preventing me from being able to make financial moves

Company response to consumer: Untimely response
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I submitted a 609 letter to Equifax asking them to respond to my letter and provide information on the accounts that are on my report inaccurate and incorrect. My credit report by the law is supposed to be 100 % accurate and verifiable and it is not. 

They have failed to answer me within the 30-day window.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX  ( Original Creditor : 08  XXXX XXXX  ) - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX ( Original Creditor : ) MERCHANT CREDIT - XXXX XXXX/XXXX  - XXXX XXXX  XXXX  XXXX  - XXXX XXXX/XXXX  - XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX  XXXX  XXXX, I ( Original Creditor : ILLINOIS XXXX XXXX ) - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: NE

Complaint narrative:
On XX/XX/2021, I applied for a Discover It card using a referral code from my brother in law. I then received the card on XX/XX/2021. I attempted to activate it per the instructions mailed with the card, but was told that I would have to call to activate. Once I called the listed phone number, I was told to upload 3 bank statements and sign a document ( 4506 C ) to verify the account. I did as I was instructed. 
On XX/XX/2021, I received an email that said Discover needed to speak with me about important info for my account. I called and was told that only 2 bank statements were actually received even though I made sure to upload three. I uploaded the remaining statement as instructed. 
I then received an email on XX/XX/2021 that notified me that Discover had closed my account effective immediately due to Discover being " unable to verify personal information '' on my account. I have not received any more explanation as to why the account was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
The company sent me an email from a dummy email address claiming I would be sued and jailed if I do not pay thousands of dollars. I received the email with identifying information about myself which led me to call the debt collector to see what the company was emailing me for. Upon speaking with a rep ; that demanded I verify my info ; I spoke about the email and the thousands of dollars and jail time the email spoke about. The rep said the email was not from them but using my info ; she was able to search and find 2 old accounts for me. Weeks later, I have an alert on my credit with the information of a supposed debt I owe and it was updated as being 1 year old and I have not had any loans for for over 10 years. The company used the email to get me to contact them because of the outrageous claims in the email ; demanded I verify my info ; blamed scammers or another company when I filed my initial complaint with CFPB then added the old outdated debt to my credit and re-aged it to being 1 year old. This is a FCRA violation. I did not call about a 10 year old account ; the agent mysteriously found in the system. I did not discuss the account. I discussed the email I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: Optima Recovery Services LLC.
State: KS

Complaint narrative:
On XX/XX/2018 Optima Recovery Services marked me with owning them XXXX and XXXX dollars. This was for a gym membership and a personal trainer. I moved from XXXX Tn to XXXX Ks and called several times to try to cancel with no resolve. I am also a 100 % XXXX Veteran and moved farther then 25 miles away which should have been enough to cancel my membership by itself. Ive called several times over the pass yrs to try to settle but they want XXXX dollars. This all seems very much like a scam. Also when I moved away my personal trainer also moved to XXXX XXXX Fl. This company seems to pray on situations like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Cards CBNA is reporting a balance owed of {$440.00}, Account XXXX, on my credit reports for a secured account that allegedly went into default in XXXX. 

When I spoke to Citi Cards customer service on Monday XX/XX/XXXX I was told that they could not verify the debt or who owned the debt. 

Citi Cards must therefore immediately delete this account from all credit reporting agencies and cease collection efforts, in compliance with FCRA laws. Failure to comply will make Citi Cards CBNA liable to further legal recourse, which I will pursue to the fullest extent.

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 2021-04-05 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: Ocwen Financial Corporation
State: MD

Complaint narrative:
In XXXX I was going through a divorce, my ex-husband stopped paying the mortgage without me knowing and had the mailing address changed to a PO Box in his name. The lender, Ocwen which then was transferred to PHH Mortgage/XXXX  XXXX, never properly notified me as a co-borrower of this issue but started foreclosure proceedings. I went to court on XX/XX/XXXX once alerted to resolve this with my attorney, where the judge ordered a six month stay on any proceedings. In the interim, I sold the property and paid all outstanding fees and balance on XX/XX/XXXX before the stay would expire. 

The lender, PHH Mortgage, reported to the credit agencies a " foreclosure start '' alert dated XX/XX/XXXX, which is now preventing me from any refinancing options I wish to do on my current home because of this issue. I've reached out to the company both verbally and in written documentation dated XX/XX/XXXX to the Escalations Department and can not get anyone to address this. My calls always get transferred overseas to the XXXX where the reps keep telling me it's being reviewed this after over 60 days of constant follow-ups. I can not get in touch with anyone in the US/ NJ offices, all calls are only transferred out with no assistance. 

I'm asking for someone to help with my credit status, I always had perfect credit prior, this was a situation out of my control and was resolved accordingly within the timeframe given by the judge in the XXXX County Circuit Court. 

These companies, Ocwen/PHH/XXXX  XXXX, all have negative online comments by consumers for their horrible consumer relations. I hope that there is some recourse that may be helpful in resolving this matter quickly. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: TX

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : 06 XXXX  ) XXXX XXXX  XXXX ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX  ( Original Creditor : 01 XXXX XXXX XXXX  AND XXXX XXXX  ) XXXX  ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
Loan Care which was my Mortgage company until XXXX of 2019 keeps saying that they pay my Mortgage Insurance Premium to my Insurance company XXXX on XX/XX/2019, in the sum of {$3500.00} but can not provide me any proof that this was paid to XXXX. When I contacted XXXX, they are saying they never received any payment from Loan Care in 2019. Right now I am forced to be paying XXXX two insurance premium each month.

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 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
I have been on a forebearance plan and called to extend that and was told it was extended. 

I have been getting foreclosure notices in the mail and have not been able to reach the servicer. The website is not working and I have tried calling with 154 callers ahead of me. 

I need to speak with someone about my loan and can not reach anyone.

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 2021-04-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Hello I opened an auto loan account XX/XX/XXXX my remaining balance was XXXX of XX/XX/XXXX of which I paid off early with good standing but equifax has my account listed as account closed and doesnt Appear on my report as a paid off loan its like my account never Existed whats the point of reporting things to the Credit bureau if its going to be this way that was my first account to establish my credit something has to be done about this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
My mother passed away XX/XX/XXXX. I am executor of her will. I sold her house on the XXXX XXXX of XX/XX/XXXX. All monies due to SLS loan servicing was given to them through my closing attorney. Specialized Loan Serving has started to call on the XXXX of XX/XX/XXXX saying additional money was owed. On the fifth of XXXX I sent them a wire transfer of XXXX to satisfy the underpayment to close out the loan. The very next week I received another call saying that I owed additional money because they held it for 10 days and XXXX per day I was being charged due to them holding the money. They have threatened me, harasses me and even asked to speak to my mother after being told she had died. I have received numerous phone calls and every one I have returned has stated that I owe more money. They sent me a letter saying I owed a penny, one cent and a bill which was for {$210.00} and change for the foreseeable future. They refuse to speak with my attorney. They continually harass me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
I have provided a copy of the wire transfer showing that SLS rejected the payment. SLS did not inform me of the rejection of wire tranfer. Account number has been verified as correct there was no reason for SLS to reject the payment. SLS does not have record of rejecting payment but the Free pay wire transfer provided a copy of the rejection from SLS stating wrong account or account closed. The account number is correct.

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