vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
I went online to view my statement and saw there is a charge for {$40.00} ( household? ), made on XX/XX/2021 at XXXX XXXX  that I don't recognize. I tried to call several times to speak to someone about it but I could not understand the reps ( not speaking English ), and they were rude, and indifferent to my made known request to them about the issue. As a consumer, I have the right to question a unrecognizable charge on my target store card. They also need to vet their employees and make sure he/she can speak American English, afterall this is " America '', English is the first language of this nation, and it helps so English speaking customers can understand the reps when enquiring about their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Loan Number:XXXX Ace Cash express has charged fess that violates the State of Texas usury laws.

The current maximum interest rate that a creditor can charge for a loan in the State of Texas is 18 %. The current loan rate has an APR of 661.69 %. The terms are predatory and were designed as an attempt confuse and defraud borrowers. In XXXX and XXXX, Ace Cash Express settled a class action suit from the CFPB regarding this very practice. Ace Cash Express continues this practice today. Additionally, this creditor violates the Fair Debt Collections practices. They contact consumers from various telephone numbers ( with caller ID information hidden ) at multiple times of the day, without leaving any voicemail or identification of who they are and that their calls are an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of the bureaus, demanding they delete the inquiries that I did not authorize. It has been a total of 119 days and today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of the bureaus, demanding they delete the inquiries that I did not authorize. It has been a total of 119 days and today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: TX

Complaint narrative:
We were in Forbearance due to Hurricane Laura destroying our home. The insurance company paid off the mortgage. We were preapproved for a new mortgage in XXXX with our credit scores a little over 700. We found a house and mortgage company ran our credit again. Loancare reported us as 90 days past due. We have tried numerous times to get this corrected following loancares procedures. Unfortunately we get the same response every time and nothing happens. We are set to close on our new house XXXX and after 1 hour and 53 minutes on the phone again today I was told our request was escalated and we would have an answer by Friday. I cant even count the number of times we have been told that and nothing has been done. Please help. 
Sincerely, XXXX 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 2021-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
XX/XX/2021 American Collections Enterprise , Inc XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Va XXXX XXXX Amount Due {$390.00} I've gotten spam calls from this company and finally called back to see what can be done and get information, First few times XXXX hung up .... 
Tried calling again on information about this debt and XXXX wouldn't answer any of my questions. I didn't feel comfortable giving my social over the phone and she proceeded to say well then I cant help you, figure it out yourself. I told her my insurance said they covered the cost and she said not her problem.She was very hostile and rude. I hung up and called again to speak to another representative by the name of XXXX who didn't care what I had to say and said I'm not comprehending anything. I said well I need information and a statement sent and she said no. I said why are you being rude and not listening to me and she cut me off again ... .. I said well then I guess I wont be paying this debt and she threatened me and said well every time you look at your credit we will bring down your points. I got so upset I started crying. She made me feel so uncomfortable and made me feel stupid. I asked her repeatedly to speak to someone else and she said no no no sorry I'm the manager you need to listen and pay off your debt. Honestly I don't want these people calling ever again and want to work with someone else. Their reviews are horrible and nothing is being done. I also had said I didn't have a job and my dad is helping me pay this. XXXX said the best I can do is take XXXX off. I said well all I have is XXXX she said well you need to tell your dad to pay the XXXX or I cant help you. When I called and told XXXX she said you need to pay full amount there is no XXXX dollars off. get a job then you can pull amount XXXX. I just don't understand. They say conversation is being recorded .... so then someone needs to hear their recordings because its just plain nasty how they are.

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 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
LoanCare took over my loan in the middle of forbearance and I can not get in touch with them through phone or internet. They charged a late fee and I need to make sure I'm out of forbearance and I there is no phone or internet option that gets through. The phone has had me on hold for 30 minutes a couple times and hung up. The internet asks for my information and will not move forward saying that my social security # is incorrect. There is no contact option other than mail. There should be phone, internet chat and internet options to communicate and there are none. I'm trying to refinance my home and can not because LoanCare will not communicate.

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 2021-03-01 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: CITIBANK, N.A.
State: DC

Complaint narrative:
In XXXX I charged two transactions ( both deposits for my wedding reception ) at the XXXX XXXX in Washington, DC to my XXXX XXXX Citi Advantage Card. The first charge was made on XX/XX/XXXX for {$5400.00} and the second charge was made on XX/XX/XXXX for {$5400.00}. Due to COVID I was unable to hold my wedding reception ( scheduled for XX/XX/XXXX ) at the vendor location, and so on XX/XX/XXXX the vendor processed the refund in full back to my credit card for both of the aforementioned charges. The vendor has provided me a paper trail supporting that they processed the refund, as their documentation included the first four and last four digits of my credit card, my name and the correct refund amounts ( there was also one other refunded charge to a different credit card with XXXX XXXX, and I received this back to my credit card almost immediately ). Unfortunately these two refunded charges never showed up on my Citi Advantage Card, and so Citi advised that I initiate a dispute for both charges. I opened up two disputes on XX/XX/XXXX, and Citi has yet to resolve this issue. I have provided Citi with the refund documentation provided by the XXXX XXXX, proving that the refund took place, but Citi will not resolve my issue and each time I call Citi to inquire about the status of the dispute, I receive different information that contradicts what the last person told me. Citi is, in effect, stealing nearly {$11000.00} from me. Moreover, I wanted to cancel this credit card to avoid the annual fee of {$99.00}, but was unable to do so for fear that I would never receive my money back. This back is horribly non-responsive and I will never do business with them 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 2021-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTY HOME MORTGAGE CORPORATION
State: PA

Complaint narrative:
Hello, My loan is currently still in the underwriting process and has been for sometime now. I feel like my underwriter is being discriminatory and difficult. She has asked for several things that are not in the FHA guidelines. Here are some examples : I am a XXXX XXXX and in my field it isnt uncommon for me to have more than 1 job. Well for my mortgage she is only using my full time job to qualify me. She refused to move forward until she verified my employment at every job from the last 2 years even the ones I no longer work at. 

Also I had to write a statement regarding why I had a gap in full time employment. In my statement I gave attending school full time as the reason why. The underwriter then asked for proof I was in school, which isnt an FHA requirement. 

I feel like every time we get one issue cleared she creates another issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: MD

Complaint narrative:
I applied for a mortgage refinance with Better Mortgage on XX/XX/XXXX and received a loan estimate with a lender credit of {$3100.00}. I paid {$550.00} for an appraisal on XX/XX/XXXX in order to receive a rate lock. At the time of the application on XX/XX/XXXX, I provided an estimate of the home 's market value that had a loan to value ratio of 81 %, which meant PMI was part of the loan estimate. The home appraised a higher value bringing the loan to value ratio below 80 % and the PMI was rescinded from the loan estimate on XX/XX/XXXX. However, the lender 's credit decreased to {$450.00} on the revised loan estate from XX/XX/XXXX with no explanation from Better mortgage. The estimated closing costs increased over {$3000.00} despite no significant changes in circumstances occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: NV

Complaint narrative:
XXXX XXXX XXXX, Minnesota debt collector, has filed a derogatory report at Experian for {$14000.00}. I have never heard of this company.

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 2021-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint with the CFPB in regards to a Capital One Bank USA account with a balance of {$790.00} which has been reflecting on my XXXX credit report since XX/XX/XXXX. Capital One was notified that I was a victim of identity theft as soon as I found out about it through verbal communication as well as a certified letter. That certified letter also included the police report which was filed on XX/XX/XXXX through the XXXX XXXX XXXX XXXX office. Since that time I have disputed this acct through XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and directly to Capital One again on XX/XX/XXXX and the only answer I am receiving in return is that it has been verified as accurate. This is not my account, it is reflecting negatively on my credit report which is hurting my credit score. This is my final result with contacting the CFPB to see if we can get this account removed. I am aware that the balance is under {$1000.00} but the damage it has done over the years in stopping me from receiving credit is a lot more costly. Hopefully this matter can be resolved and that account can be removed quickly from my XXXX  report or my next step will be to acquire an attorney. Thank you for looking into this for me. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
A company named XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX had erroneously invoiced medically related charges from dates in which they can not substantiate on a date of XXXX This medical conglomerate keeps attempting to sell a fraudulent collection account in which RMP services/XXXX XXXX XXXX XXXX XXXX ( XXXX ) has dismissed in its entirety on XX/XX/XXXX. The legal matter was escalated to the state government and the parent company XXXX. XXXX XXXX has now once again placed my good credit in question by placing unsubstantiated medical debt in collections which they have reported as opened on XX/XX/XXXX. I had never received any letter of demand or invoicing from RMP after they wrote to me that they were going to request tradeline deletion of any derogatory credit reporting for the collection matters. I am currently unemployed and a veteran of the armed forces. I have opened disputes with the credit reporting bureaus and I am happy to report that XXXX has already removed this fraudulent collection attempt. Please write to RMP and reference their letter to me and ask them why they still reported the collection account. Please also ask them to substantiate the medical debt by sending proof of a valid contract or consent for treatment with XXXX or XXXX XXXX from the alleged date of service XX/XX/XXXX or XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX Acct # XXXX ... XXXX XXXXXXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct XXXX XXXX ... XXXX Acct # XXXX ... XXXX Acct # XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a card that I did not apply for.

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 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2018 my bill did not go through account with missed payment. I am kindly requesting CAPITAL ONE BANK USA to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
BACK IN XX/XX/XXXX I DID CALL XXXX TO SWITCH MY SERVICE FROM THEM TO XXXX, FIRST I CALLED TO INFORM THEM TO RELAESE MY PHONE NUMBER TO XXXX, WICH THEY DID THEN I CALLED AFTER ABOUT A WEEK TO TELL XXXX TO DISCOUNECT MY SERVICES, BUT BACK THEM I WAS TOLD THAT THEY WERE MAKING A MAJOR UPDATE ON THERE SYSTEM, TILL XXXX OF XXXX I GOT A BILL FROM XXXX, BUT WHEN I CALLED TO ASK WHY I GOT THIS BILL I WAS TOLD THAT BECAUSE I DIDNT DISCOUNECT, BUT BACK THEN I DD PROVE IT TO THEM, THEM THEY TOLD ME FINE SORRY IT WAS THERE MISTAKE, AND THEN TOLD ME SORRY, TILL XX/XX/XXXX WHEN I GOT A LETTER FROM HUDSON VALLY COLLECTION AGENCY THAT THEY PUT ME IN COLLECTION FOR {$850.00} BUT I DID TRY TO EXPLAIN THE SITUATION BUT NO WAY THEY WANT TO BUDGE EITHER TO PAY OR WE WILL REPORT TO THE CREDIT BUREAUS, BUT I SAID ITS NOT MY RESPONSIBILITY AND EXPLAIN THE ISSUE BUT THEY DINT WANT TO LISTEN AND SUR ENOUGH THEY DID REPORT TO THE CREDIT BUREAUS, AND MY CREDIT SCORE WENT DOWN FROM XXXX TO XXXX, AND I KEEP CALLING TO GET DETAIL BILL BUT THEY SAID WE WILL NOT EITHER TO PAY OR WE WILL LEAVE IT ON YOUR CREDIT, BUT THIS IS NOT FAIR TO ME IF YOU WANT ME TO PAY GIVE DETAIL BILL TO SEE WHAT IM PAYING FOR BUT KEEP ON SAYING NO I DONT KNOW WHAT TO DO

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
Upon submitting a complaint through the CFPB I was given a response from The Money Source that is unsatisfactory. In the documentation submitted The Money Source made an error and the solution to this error is presented in a way in which me ( the borrower ) is stuck with 100 % financial responsibility even though I did not make said error. I am seeking an resolution in which both parties can find. I called The Money Source on XX/XX/2021 and spoke with customer support personnel to discuss the matter and was told quiet firmly that there was no other option other than to resolve the shortage created by the escrow department with The money source in either 24 or 36 months. I felt strong armed into an agreement to keep my payment up to date as my mortgage payment is due today. They expressed no desire to discuss a way to resolve this matter in a way that does not put 100 % financial responsibility for a error on their part on their customer. I can only infer from the conversations had by myself that The Money Source does not wish to discuss terms that would be good for their customer to the customer themselves. I can also wonder of this is how I am being treated in this instance, how are other customers treated who feel as if they are being forced to do something unfair to keep their home.

Company response to consumer: Closed with explanation