vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: NV

Complaint narrative:
On Wednesday, XX/XX/XXXX I was contacted by what I thought a Current representative. During the phone call, the associate let me know that they were calling from Current and there was suspicious activity in XXXX XXXX, Texas. They told me they were going to send me a new card, to which I accepted. They sent me a verification code to which I let them know. After about 10 minutes, there were more charges from my card, sending {$160.00} to an account of a person named " XXXX XXXX '' which I did not approve of. The person who accessed my account, then changed the account email from mine ( XXXX ) to theirs ( XXXX ). There was also two remote logins from devices I do not own, one being an XXXX XXXX XXXX and the other being a XXXX XXXX ( XXXX XXXX  XXXX ). After realizing I was being hacked, I contacted my company 's payroll department, and had them delete my account to prevent any future money coming through. Unfortunately, my paycheck was already finalized for the amount of {$1300.00}. 

For the next few days, I contacted Current by phone, email, XXXX, and XXXX. 
Current does not have any phones at the moment due to COVID-19.  I even went as far to call the company which provides their cards, which is XXXX XXXX XXXX. XXXX XXXX was more than helpful, however they can not access my account. I called them Wednesday XX/XX/XXXX, Thursday XX/XX/XXXX, and Friday XX/XX/XXXX. Each time the representative from XXXX said they sent an email to their contacts at Current as a high priority message. 

Their email support team refuses to help me since my email is no longer on an account, even after providing proof of being hacked. 

On XXXX I provided screen shots to show I was hacked. I messaged them Thursday, XX/XX/XXXX. They replied Friday XX/XX/XXXX to which I replied and have not been responded to. 

On XXXX they never replied to my message. I sent the message on Wednesday, XX/XX/XXXX. 

I am needing those funds that were taken from me, as I am now late on my cable bill and I am due to be late on my car payment and car insurance. I also had to sell stocks through my XXXX  account to pay for my dog 's veterinarian bill. 
Regardless of me being scammed or hacked, the company is FDIC insured, and should be protecting my money and assets at all times. They should have a direct line of contact to prevent ordeals like this and to prevent it from happening to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WI

Complaint narrative:
This is the continuation of the previous case # XXXX XXXX. 
We have the financial explanation from the processors and submit in specific evidence of their inaccuracies the payment of XXXX taxes. XXXX claims they paid the taxes. The city and county placed a lien on the property and without payment were going to foreclose. There were several independent payments made by me to satisfy the lien and stop the foreclosure process. Without forensic financial review capabilities, it is difficult to accurately claim other discrepancies. There is no mention of who at and why XXXX applied an additional {$200000.00} charge on our 2nd mortgage and how much interest they had charged on the {$200000.00}. What are the legal consequences of arbitrarily adding such a large sum of money? This action along with not sufficiently explaining their actions catapulted the mistrust and deciding to hold them accountable for their actions. The reason for bankruptcy is in part due to this continuous deceit from XXXX. Why keep changing the processors and how much of the fees they incurred came from changing processors? 
Their financial representation does not match that of the XXXX city and county tax assessors records. 

Once they removed the {$200000.00} fee wrongfully/illegally to our second mortgage we were supposed to receive information identifying any charges and interest associated with the {$200000.00} and that was going to be applied to a reduction in principle. 
What happens now?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ

Complaint narrative:
Wakefield and Associates began reporting as a collection account on all three of my credit reports in XX/XX/XXXX. This collection account was for a medical claim with a date of service of XX/XX/XXXX with XXXX XXXX XXXX of XXXX. 

I never received any written correspondence Wakefield and Associates. I found out about the account because of an alert from a credit monitoring app. I called Wakefield and Associates to ask what this account was and immediately when I found out it was a medical account I asked was my health insurance billed. I was told it was but when I called my health insurance company there was no claim on file for the date of service XX/XX/XXXX. Wakefield and Associates said I was " wrong and I could either pay or dispute it ''. 

I called XXXX XXXX XXXX of XXXX numerous times both in XXXX and XXXX. I was always told my account " was under review '' and unfortunately did not write down dates or who I spoke to. 

On XX/XX/XXXX I called the XXXX department of XXXX XXXX XXXX of XXXX and spoke with XXXX who I was told was the customer service representative assigned to my account. XXXX claimed this was the first time she was hearing about the claim not being filed with XXXX NJ health. So I immediately called XXXX NJ XXXX and again inquired if there was a claim and again there was not. I asked for that in writing and was mailed the attached letter. 

I called XXXX back & gave her the case number I was assigned by XXXX NJ XXXX as well as the claims address and phone number. 

I called again several times speaking with both XXXX and a supervisor XXXX and was told that the information I provided on XX/XX/XXXX was emailed to an internal claims department but because of the nationwide Covid-19 shutdown- there was no time frame on a response. 

On XX/XX/XXXX I spoke with XXXX again and was told that I was correct. XXXX who is the account manager replied to XXXX saying my insurance company was never billed and they submitted the claim to my insurance company to be processed. XXXX XXXX XXXX of XXXX said they contacted Wakefield and Associates the last time being XX/XX/XXXX to withdraw the collection account. 

I called Wakefield and Associates on XX/XX/XXXX and was told that they had no notes in my file to stop collection activity. 

I called XXXX XXXX XXXX of XXXX again asking for something in writing so that I could submit it to Wakefield and Associates and was told there was not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received credit monitoring alerts that my credit score was impacted at XXXX XXXX and Transunion due to remarks placed on my XXXX XXXX XXXX Loan accounts. I contacted all four parties involved and each are pointing the finger at the other party. My student loans are under a Nationwide Administrative Forbearance until XX/XX/2020 due to COVID-19. I called all four organization in XXXX and XXXX of 2020 and each month my credit score has dropped XXXX points. This is unfair and I would like my credit score to go back to what is was prior to the remarks on my student loan account. I also do not want to have to contact them every month about my credit file being impacted.

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 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received credit monitoring alerts that my credit score was impacted at Experian, XXXX and XXXX due to remarks placed on my XXXX XXXX XXXX Loan accounts. I contacted all four parties involved and each are pointing the finger at the other party. My student loans are under a Nationwide Administrative Forbearance until XX/XX/2020 due to COVID-19. I called all four organization in XXXX and XXXX of 2020 and each month my credit score has dropped XXXX points. This is unfair and I would like my credit score to go back to what is was prior to the remarks on my student loan account. I also do not want to have to contact them every month about my credit file being impacted.

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 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The incorrect balance on my home mortgage at XXXXXXXX XXXX was reported to XXXX and my credit score decreased by 49 points on XX/XX/2020. I contacted XXXX and they corrected the error. XXXX received the corrected balance but they did not correct the credit score. I have not had any negative credit reporting since the incident.

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 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received credit monitoring alerts that my credit score was impacted at XXXX, Equifax and XXXX due to remarks placed on my XXXX XXXX XXXX Loan accounts. I contacted all four parties involved and each are pointing the finger at the other party. My student loans are under a Nationwide Administrative Forbearance until XX/XX/2020 due to COVID-19. I called all four organization in XXXX and XXXX of 2020 and each month my credit score has dropped XXXX points. This is unfair and I would like my credit score to go back to what is was prior to the remarks on my student loan account. I also do not want to have to contact them every month about my credit file being impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The balance on my home mortgage decreased significantly. My Transunion credit score decreased by XXXX points on XX/XX/2020. There were no negative credit reports since the prior reported credit score on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
On XX/XX/2020 XXXX finance stated I was 30 days late when I hear checked my credit report. I was not 30 days late, 30 days late would have been on XX/XX/2020 and on XX/XX/2020 I made my FULL payment so I was never late. I called asking them to remove it but stated they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 XXXX finance stated I was 30 days late when I hear checked my credit report. I was not 30 days late, 30 days late would have been on XX/XX/2020 and on XX/XX/2020 I made my FULL payment so I was never late. I called asking them to remove it but stated they would not.

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 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 XXXX XXXX  stated I was 30 days late when I hear checked my credit report. I was not 30 days late, 30 days late would have been on XX/XX/2020 and on XX/XX/2020 I made my FULL payment so I was never late. I called asking them to remove it but stated they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 XXXX XXXX  stated I was 30 days late when I hear checked my credit report. I was not 30 days late, 30 days late would have been on XX/XX/2020 and on XX/XX/2020 I made my FULL payment so I was never late. I called asking them to remove it but stated they would not.

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 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has refused to honor my rights under the FCRA. Despite dealing with an issue for over one year, Experian has acted unethical and has not conducted the proper dispute process. I called again on XX/XX/2020 to dispute a matter and within 8 hours Experian sent an update on the dispute saying that the information was verified as accurate. I have an active identity theft alert on my credit report and explained my concerns with four accounts that are appearing inaccurate on my credit report. Those items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/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 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I paid XXXX XXXX XXXX and still showing not paid after 30 days

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 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I paid XXXX XXXX XXXX and still showing not paid after 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I paid XXXX XXXX XXXX and still showing not paid after 30 days

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 non-monetary relief
Consumer complaint received 2020-06-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
PNC will not allow me to link my account with a 3rd party of my choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
This complaint is in reference to Pioneer Credit Recovery Inc., and the company they represent, XXXX XXXX XXXX XXXX. On XX/XX/2020 I pulled a copy of my credit report to find that there is an additional balance for the same account yet only one balance listed on the statement I received in the mail. I also noticed that the account has an opening date listed with XXXX   and XXXX  but missing an opening date for XXXX  and showing the account as closed. I contacted the debt collectors ( Pioneer Credit Recovery Inc. ) and requested proof of validation on the  account. I also asked that all collection efforts cease and desist. In return I received a copy of an itemized list of the same information that I disputed and a copy of a promissory note from XXXX XXXX XXXX XXXX. In review of the itemized list I noticed that there was a difference in the total balance and interest balance listed. On the statement dated XX/XX/2020 one part of the list showed the interest balance as {$580.00} and the other part of the statement showed the interest balance as {$700.00}. The statement also showed one part of the total balance as {$8100.00} and the other part as {$8300.00}. I then contacted Pioneer Credit Recovery Inc. requesting more proof of validation and I did not receive a response within the 30-day validation period. I made a final attempt at obtaining sufficient proof of validation on the account but was unsuccessful. I also requested that the inaccurate, misleading, invalidated account is removed but received no response to that request as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
Seville mngr XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX not my Acct XXXX XXXX not mine

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 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX I called Caliber Home Loans to inquire about the option to refinance. The loan had recently been sold to them from another mortgage company. The lady on the phone asked what my reasoning for wanting to refinance and I told her to lower the interest and payment. She said that there were options available and directed me not to pay the next few payments in order to be put in the program to lower my rate and payment. I was lead to believe that I was going to be going through a refinance. Starting in XX/XX/XXXX I was instructed to pay a lower payment amount for 3 months and then they would finalize the payments and interest. They had put me into a forbearance and loan modification. When I called and asked what this meant they said this was the only way to get the lower interest like a refinance. I had no idea I was not getting a refinance. I paid the payment for 3 months and they extended it for another 3 months through XXXX. Then they said they were going to finalize everything and not to pay XX/XX/XXXX. In XXXX I found out my house was in the paper as being auctioned off on XX/XX/XXXX. I called and they said I had not made a payment since XX/XX/XXXX and my house was being foreclosed on. I paid almost {$13000.00} to have my loan reinstated and have been fighting this issue with them since XX/XX/XXXX. They finally reported that my loan status was ok for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX but they will not budge on the other months. I was told by them and followed instruction by Caliber Home Loans to not pay for those months. I had never missed a payment with the other mortgage company or with them prior. This is predatory lending and they coerced me into a loan modification under the guise of a refinance.

Company response to consumer: Closed with explanation