vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
My name is XXXX XXXX. I was just made aware of the collections of a credit card in my name due to it being on my credit report. I have contacted local law enforcement as well and still nothing done. In XX/XX/2016 a card was opened in my name through XXXX department store. I did not open the account and do not have any knowledge of this account. It is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.
State: MS

Complaint narrative:
My information was sold to an collection agency with out my consent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp
State: NY

Complaint narrative:
In XXXX of this year of 2020 I contacted lending club to put my account on a payment payment arrangement. They said that they did that but that was not the case and a month later I was reported to an outside debt collector. After contacting Lending Club they admitted that it was their error and their computers did not reflect that I was on the payment program. They corrected the credit issue this dirt time. Since then I have had 3 other occasions all on different months where my credit report reflected that I was delinquent in the month of XXXX, and then XXXX, again in XXXX, and now in XXXX. All reported on different occasions once they said the problem was fixed. This is the only negative information on my credit report and as a result of Lending Club reporting this I have lost one of my credit cards and my available credit on another card has been reduced. Every time they fix the problem a month or two later its reported as late again for the different month. It takes a month to update this information where my credit report shows delinquent. This is unacceptable and my credit has been in disarray because of Lending Club since XXXX. They keep fixing the issue but it keeps in happening again. Financially they have crippled my ability to support my family for over 6 months. This seems like legal action is appropriate. I pay my bill on time and still have his happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: PA

Complaint narrative:
Hello, About a month ago, I started the refinance process with Better Mortgage Corporation ( NMLS ID XXXX ) to refinance my existing mortgage at XXXX. 

The process started off rather smooth. However, towards closing, it started getting a little aggravating. The initial disclosure was fraught with errors : outdated payoff amounts related to my existing mortgage with XXXX, incorrect escrow numbers, the title costs changed with every version, etc. Despite several attempts to get the information corrected before the closing was first planned, the disclosures were not updated in time for closing. Eventually, after prodding for answers and explanations about some of the numbers, I managed to get some of the numbers corrected and satisfactory answers on others. Though a few numbers still did not match up, the differences per my calculations were small enough to let it go in relation to the loan amount. 

Finally, on XX/XX/2020, I received a written confirmation from Better Mortgage that the new loan was closed and funded. ( By the time I had closed with Better Mortgage, XXXX had processed the payment for the month of XX/XX/2020 ). At this point, I fully expected Better to wire the funds over to XXXX and once XXXX paid off the mortgage, I'd be refunded any excess payment amounts in addition to the escrowed amounts. 

XX/XX/2020, more than a week after the new loan was closed, I noticed my XXXX loan had not yet been paid off. I wrote to Better Mortgage, asking that they send me a confirmation or an acknowledgement of the payoff funds being wired to XXXX. 

No Response from Better Mortgage. 

In the meantime, I called XXXX asking if they had receive any notification or heads up from Better, letting them know to expect the funds to be wired. They had not. 

Wednesday, XX/XX/2020 - sent a follow up to Better Mortgage. 

Still no Response from Better Mortgage. 

Thursday, XX/XX/2020 - I called the closing agent at Better Mortgage. He said it looked like it was stuck at settlement and that the matter would be resolved today. Mind you ... this is two weeks after the new loan was closed. 

Friday, XX/XX/2020 - No receipt or email confirming the action taken, so I once again called the agent at Better Mortgage. I was told that he is in a meeting but did pass on the message that the funds will be wired today and that he will follow it up with a detailed email to me. 

Saturday, XX/XX/2020 - No email or confirmation from Better Mortgage till date. Meanwhile, my loan at XXXX has still not been paid off. 

The incompetence at the manner in which the closing is being handled by/at Better Mortgage is glaring enough, compelling me to reach out to the CFPB. Fortunately, I've made advance payments to XXXX, so the due date is not in the month of XX/XX/2020. Otherwise, I would have had to make payments to two mortgage companies simultaneously to avoid late fees. And we all know how tedious it is to get those refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: OR

Complaint narrative:
My mortgage was sold from XXXX to flagstar bank taking affect on XX/XX/XXXX, I mailed my XXXX payment to the address provided for {$1800.00}, {$200.00} of which is supposed to be applied to additional principal. That check was cashed on XX/XX/XXXX and still hasnt been applied to my loan. I called flagstar on XXXX XXXX, and XXXX. Ive been given a case number on the first call, asked to email a screenshot of front and back of check on the second call, and was told it would be taken care of in 5-10 days of first call. On the third call XX/XX/XXXX was told its still open. Havent had flagstar reach out to me at all.

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 2020-11-21 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: FL

Complaint narrative:
I was trying to get my free credit reports from the 3 main agencies. Equifax, XXXX, and XXXX. All three had incorrect security questions, one on XXXX and 2 on XXXX but I was still able to access them and they had nothing of concern on the reports. However, Equifax had all security questions wrong and I was unable to access my report which I am entitled to. I am very concerned that I might be the victim of identity theft due to the incorrect questions they asked. I called 4 times to dispute, was transferred twice only to get disconnected and the XXXX live agents I got refused to help me unless I paid for the report. I refused to pay for it as I am entitled to the free report, but if I am a victim of identity theft I can't wait for the 2 to 4 weeks in snail mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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:
On XX/XX/2019 I opened an account with XXXX ( XXXX XXXX ) - ( XXXX  la ) I set up automatic payments and assumed the monthly payments would be automaticly made on since I have been out of work due to covid 19 when they tried to auto debit my account and the bank declined the charge they removed me from auto pay which I was not informed of so they did not try to debit my account for the payment in XXXX and I learned of that I believe in XXXX when I was called for payment for the months of XXXX and XXXX I explained to them that I was not aware of my account being removed from auto pay and they said they'd correct my credit reporting late mark that it was a department in back office that needed to do it and Id see it reflecting with in a month or so and that they where not taking or accepting calls so I assumed it would be resolved and now 5 months later not only have they not corrected the late mark in XXXX they just added another late mark for the month of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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:
On XX/XX/2019 I opened an account with XXXX ( XXXX XXXX ) - ( XXXX  la ) I set up automatic payments and assumed the monthly payments would be automaticly made on since I have been out of work due to covid XXXX when they tried to auto debit my account and the bank declined the charge they removed me from auto pay which I was not informed of so they did not try to debit my account for the payment in XXXX and I learned of that I believe in XXXX when I was called for payment for the months of XXXX and XXXX I explained to them that I was not aware of my account being removed from auto pay and they said they'd correct my credit reporting late mark that it was a department in back office that needed to do it and Id see it reflecting with in a month or so and that they where not taking or accepting calls so I assumed it would be resolved and now 5 months later not only have they not corrected the late mark in XXXX they just added another late mark for the month of 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 2020-11-21 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: FL

Complaint narrative:
On XX/XX/2020, I dispute some items on my credit report such as date of reporting and date of last payment. On XXXX XXXX, I receive the results of my dispute and items were erroneously deleted. These items should be placed back on my credit report this has resulted in my credit score dropping at least 30 points. My credit reporting is not showing accurately This mistake was made by Equifax and it should be fixed by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I Have a used vehicle loan with Banco Popular XXXX XXXX XXXX, Puerto Rico since XX/XX/XXXX. I live with social security income, due to XXXX ( mental health ). I had to pay monthly partial payments due to my low budget. Also, another personal loan with the same financial institution. But since XX/XX/XXXX I was being intimidated with multiple calls, letters, threats with my credit status, ultimatums to SEIZE MY CAR. For months I made countless calls, visit the branch, emails, asking for another options or alternatives ; I begged for refinancing, extended payments or payments plan, vehicle replacement for a cheapest one, even for a loan renewal, neither the COVID-19 Emergency benefit. The bank keeps refusing help me, they just want their money included delay charges or the total balance of the unit for a loan due date of XXXX. Yesterday XX/XX/XXXX, I received another threat letter that I have to pay {$1100.00} in five days, or they seize the unit. I can not deal with this anymore, having XXXX and panic attacks and my mental health deterioration. I tried everything to settle an agreement with the bank but unsuccessfully. I AM BEGGING HELP, PLEASE. 

LEASE HELP, I AM BEGGING YOU

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 2020-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: OH

Complaint narrative:
While trying to sell a XXXX for a profit, their entire service went down before a drop in price. All these XXXX exchanges seem to go down when prices are about to drop. Pretty interesting. I tried to sell for profit and couldnt because they were down, when it came back up it had triggered a stop loss that the charts never showed taking place. Stop loss was set at XXXX price never went under XXXX. Instead of gaining the XXXX or XXXX $ from the sale I ended up taking a XXXX $ loss. They shouldnt be able to go down when markets drop with people money hostage. This is not fair. No warning or anything.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: CO

Complaint narrative:
I need Experian to change the name on my credit report from my maiden last name ( XXXX ) to my current last name ( XXXX ). I submitted every document requested by them ; they said that the despute has been taken care of ; however my name STILL appears as my maiden name ( XXXX ) on the results report. I need this changed in order for lending companies to pull my credit in order to purchase a house and they are directly messing up my ability to do this. Also it is almost impossible to speak to a human at Experian, and they make everything extremely complicated. I need this issue fixed asap ; and I have given them every opportunity to do so, and they still do not fix the issue I have asked them to.

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 2020-11-21 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: Self Financial Inc.
State: FL

Complaint narrative:
On XX/XX/2019 I opened an account with self.Inc ( self lender ) - ( XXXX  la ) I set up automatic payments and assumed the monthly payments would be automaticly made on since I have been out of work due to covid 19 when they tried to auto debit my account and the bank declined the charge they removed me from auto pay which I was not informed of so they did not try to debit my account for the payment in XXXX and I learned of that I believe in XXXX when I was called for payment for the months of XXXX and XXXX I explained to them that I was not aware of my account being removed from auto pay and they said they'd correct my credit reporting late mark that it was a department in back office that needed to do it and Id see it reflecting with in a month or so and that they where not taking or accepting calls so I assumed it would be resolved and now 5 months later not only have they not corrected the late mark in XXXX they just added another late mark for the month of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
Gm Finanial approved me for a vehicle loan on XX/XX/XXXX for XXXX XXXX XXXX XXXX with a {$500.00} dollar down payment and signed contract!!! After completing the deal and given the keys for the vehicle I brought my vehicle home everything was good!! I then recieved a text message from my salesman on the XXXX regarding my vehicle stating the bank needed 2 years of tax returns from me to complete my loan!!! At that time I ask him what he was talking about he then told me he was with a costmer and couldn't talk!! So I sent a text telling him to have a manager call me!! I didnt recieve a call until 3 days later when a manager named XXXX called and said I had not been approved and needed to return the vehicle and he could get me in a vehicle of XXXX dollars less value!! I informed the manager he could not do that per federal law he got mad and started yelling that I better return the vehicle right then or else! I hung up and called the police! The next day XXXX from XXXX XXXX contacted me via email to demand tax returns and I advised him that I had called the police and not to contact me again that I needed the owner or general manager to call me immediately!! I did not hear from the GM for over a week! At which time XXXX the manager for XXXX XXXX had sent me a document from GM Finacial that showed completely different loan information on it than the installment agreement I signed with a change of status to returned due to unable to verify 2 years of employment! This also didnt make since as I had provided 2 years of bank statements a XXXX tax return check stubs all to XXXX XXXX prior to the sale of the vehicle! I had obtained an approval email from my salesman on the XXXX of XXXX and I was never told about the change in contract the descepancy in length of loan and interest rates or the discrepancy in the amount of the loan which has over a XXXX dollar difference in the payment and finiace rate for the length of loan and no explanation as to where that XXXX dollars is! The documentation recieved from the dealer shows a fradulent car deal done purposely to commit criminal theft of money from me and the intent to have never intended to up hold the agreement!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: IL

Complaint narrative:
Company XXXX XXXX shows up on CRA Reports not an account I am familiar with or charges. I send out verification letters both notarized and certified requesting validation of this reported account to XXXX. I request copies proof of signed contracts itemized payment proof or itemized proof of debt owed. 
Something more tangible for proof than just electronic passing of names and numbers which is my entitlement under FCRA. 
Factually in Illinois there are at least 13 people with exact same name as myself so I have seen stuff like this before! I as well sent dispute letters notarized and certified 2xs to the reporting CRAs. All to keep coming back electronically verified with no proof of this account being mine! One letter returned to sender ( myself ) off of bad addresses reported by CRAs only Experian had correct address. I have receipts of all items sent response letters returned letter and still this is a unverified account being reported against me causing me the inability to obtain the good credit I deserve! CRAs continue to verify/ XXXX  continues to verify and no one has shown hard validated evidence of this Account! I have shared all this info with both the Bureaus and 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 2020-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Southwest credit Collectors ( https : //www.swcconsumer.com/ ) has repeatedly called me even multiple time per day, and has called others associated with me identifying themselves as a debt collector. I have spoken with the several times and identified myself, but they would not identify the entity that I own money nor would they tell me the amount. After multiple attempot by me to get this information from them I told them to no longer contact me via phone or any other means. Yet they continue to call me and have expanded their phone calls to my relatives and associates. I again told them not to contact me except by filing a court case today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Hello, My name is XXXX XXXX and I am a victim of identity theft. My Identity was originally stolen in the year XXXX. I was sent a certified letter today XX/XX/XXXX, for garnishment of wages. The original account company apparently is Citibank/Home depot. I have never had an account with this company in question. I am also XXXX and I have been receiving benefits since XXXX. This is a fraudulent account and was opened without my knowledge nor 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 2020-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing this letter because of erroneous information on my file. I have been trying to dispute, but all to no avail. I demand for comply and conform to fix 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 2020-11-21 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: WI

Complaint narrative:
I am writing this letter because of erroneous information on my file. I have been trying to dispute, but all to no avail. I demand for comply and conform to fix 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