vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
My mortgage is through New Rez and my homeowners insurance is through XXXX. New Rez did not pay our mortgage insurance premium and we were not notified by either party. We contacted XXXX to find out what happened and they said they canceled our policy and that they will not open it back up with New Rez because of the frequency and number of late and no payments from them. They said we can restart our policy but it won't take affect until XXXX. We currently have no mortgage insurance because of this issue. I attempted calling New Rez XXXX times yesterday and sent a message via their site and have not been able to contact anyone. Under article XXXX, they are not in compliance and I want to pursue damages and a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
XXXX XXXX bike for full refund. 

XXXX issued refund to Affirm. 

Affirm loan shows paid off on Affirm app. 

Affirm refunded only some of the payments i made directly to my XXXX checking account. 

Still short over {$1100.00} on refund. 

Contacted Affirm to inquire and they - would not tell me how much more refund i would get - how much they refunded to date - said to wait 30 days for a check of unknown amount. 

I saw on XXXX that others have waited the 30 days only to be told to start a case and have waited months with no refund. Here is the thread : https : XXXX? utm_source=share & utm_medium=ios_app & utm_name=iossmf So basically Affirm is stealing peoples money and not releasing refunds. 

I tried calling Affirm and waited on hold for an agent for over 15 minutes and got disconnected.

I am currently on hold again for 10 minutes waiting to inquire for exact details on how much more refund, exactly when i will receive a check and where the check will be sent. 

I finally reached an agent and was told that because many of the payments were over 180 days old the agent had to calculate the refund by hand and start a case for investigation. 

This is criminal. They are intentionally holding the money until someone wastes hours of their life to get an agent to hand calculate refunds. 

No other financial institution operates like this. 

I am now waiting on hold for this process ( which i suspect is a process to try to have me disconnect from the call ) and have no confidence that I will receive a refund. 

I believe i made 20 payments on a zero interest loan of XXXX and received only XXXX payments refunded. So i am missing at least XXXX x XXXX = {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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 — Card was charged for something you did not purchase with the card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2022 at XXXX am I received an automated text from Santander asking if I used my card ending in XXXX at the XXXX XXXX for a purchase totaling {$700.00} ( Image of text I received uploaded ). I replied no and received a thank text stating a fraud advisor will contact me. At XXXX am I took an incoming call from and advisor that lasted 10 minutes. She asked if I placed these charges to which I immediately stated no and that they are fraudulent charges. I was informed one charge had already posted and another one was pending. Both for the same amount. I was under the impression at the time of that call this was taken care of and no further action was required. 

On XX/XX/2022 I received a delivery confirmation email from XXXX showing the address the item was delivered to. I contacted Santander to see if this information would be helpful to them. I was placed on a long hold to which the representative came back and said they had all the information they needed. I continued to monitor my credit card statement for the charges to drop off so I could pay my bill. When the charges did not drop I called the bank again on XX/XX/2022 at XXXX pm with my concern over my credit being hurt by these charges not dropping and being past the due date for my credit card statement. The call lasted 27 minutes with the representative placing me on multiple holds. He returned and apologized stating he had no idea why but a dispute was never placed for the transactions. He said multiple times he had no idea why a dispute hadn't been input and apologized and acknowledged something was wrong. He then placed a formal dispute for the charges and I provided the delivery address for the items, the name on the shipping and the order number. 

On XX/XX/2022 I received a notice from the bank stating based on their investigation it was determined no billing error occurred because the documentation supplied by the merchant verified that I authorized the transaction meaning charges would be added to my account ( Letter attached ). 

These items were shipped to a " XXXX XXXX '' in XXXX XXXX ( Image of delivery confirmation uploaded ) and I have not lived in XXXX XXXX for over 6 months.

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 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've contacted the company, XXXX XXXX regarding an alleged account reporting on my consumer report on XX/XX/XXXX. The company reported inaccurate and unverifiable information, which I requested for competent evidence that the alleged account belong to me. As a result of XXXX XXXX failing to provide this information, the account was deleted in XX/XX/XXXX. I have recently checked my consumer report on XX/XX/XXXX to find that this same alleged account was placed back on my Equifax consumer report. Also, XXXX XXXX still failed to provide the proof requested and has sold this alleged account to the company, XXXX without my consent and has violated federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: CA

Complaint narrative:
Hello CFPB, I had three accounts with XXXX XXXX XXXX XXXX which I have paid in full however Experian, XXXX and XXXX continue to show them as settled for less, not PAID IN FULL. I recently paid them off and XXXX XXXX sent me three letters for each account showing paid in full. I will upload each letter here. When I submit them to the credit bureaus, they refuse to update them. This is affecting my credit report, I cant get a loan and may now affect my employment. I need help and someone to call each bureau and have these three accounts reflect : closed, PAID IN FULL. I have disputed the accounts for the past 30 days, I have called multiple times and written two sets of letters. They are reporting these accounts incorrectly. Please can you help me. 


Thank 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 2022-03-19 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:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: TN

Complaint narrative:
I was told a needed a nebulizer for a company called XXXX XXXX. I picked up the nebulizer and I was never given any training or told that I was just leasing the nebulizer. nothing was explained to me by the company. I have been getting bills for XXXX every month for more than 2 years now. I have insurance I was never told how the billing works. I have tried to contact them and I have never had a conversation with them. I stopped paying because I thought this charge was fraudulent. I also filed a complaint with the XXXX XXXX XXXX against them. Since I could never get anyone to contact me I stopped paying. They now are sending these XXXX charges to a collection agency called state collection service. Numerous attempts to contact them and no response. I pay the XXXX because I do not want to mess up my credit. These companies are predatory and they do not care about patient care. I did not even need the nebulizer. I do not have it any more I didn't not know I didn't own it. when I moved I got rid of it. Now I guess I will be charged in perpetuity for this nebulizer I didn't need. I would like to get closure for this and put both these predatory companies in my rear view. I am now filing complaints against them both because they have not tried to reach out and fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I attempted to make a {$100.00} withdrawal at an ATM machine. I received a message stating " Go to cashier with a government issued ID to get funds ''. I did not go to the cashier to get funds. The next day I reached out to the ATM vendor and Robinhood. The vendor said the funds will credit back to the ATM card within 24 hours. Three days later Robinhood changed the transaction from pending to completed. Robinhood refused to issue a temporary credit and said it would take 90 days to complete the investigation. This is a known problem with Robinhood. No one should have to wait 90 days to receive their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: Credit Collections U.S.A., L.L.C.
State: PA

Complaint narrative:
Credit report shows {$600.00} collections thats been on my report for three years I just noticed I called the original creditor and ask them to produce a bill for said perform services they said they couldnt find it because its in collections I disputed it with collections but they left no information to contact them I dispute it through XXXX XXXX and I didnt go anywhere I believe it is fraudulent they cant produce a bill with services on it with my signature How do they expect to prove that it is How do them for original creditor cant produce the information that has a collection agency supposed to produce the information especially when theyre not leaving any contact information for me to get a hold of them

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 2022-03-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX IS REFUSING TO POST MY PAYMENT I MADE XXXX WEEKS AGO PLAYING FLOAT GAMES. I WANT THEM SHUT DOWN IMMEDIATELY. ILLEGAL. DISCRIMINATION AGAINST XXXX CLIENT. I AM SUING 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 2022-03-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have inquiries on my credit report that I have no knowledge of and I have inquiries on my credit report that were done without permissible purpose XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
Ive been trying to contact pennymac to make a payment. I was on a XXXX forbearance and currently trying to become current. I can never get a hold of them. My assigned agent is always busy and there is no call center. I dont know where I stand as I get nasty grams from them and then get happy grams. I have the money to pay. The website is useless. Im at a loss. Id I dont do anything then im screwed. Id I try Im screwed. I need help for them to respond. Everything is automated. Ive worked for a bank and they are not closed. Please help. I want my home. I cant let something like XXXX kill my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-03-19 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: CA

Complaint narrative:
Hello CFPB, I had three accounts with XXXX XXXX XXXX XXXX which I have paid in full however XXXX, XXXX and TransUnion continue to show them as settled for less, not PAID IN FULL. I recently paid them off and XXXX XXXX sent me three letters for each account showing paid in full. I will upload each letter here. When I submit them to the credit bureaus, they refuse to update them. This is affecting my credit report, I cant get a loan and may now affect my employment. I need help and someone to call each bureau and have these three accounts reflect : closed, PAID IN FULL. I have disputed the accounts for the past 30 days, I have called multiple times and written two sets of letters. They are reporting these accounts incorrectly. Please can you help me. 


Thank 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 2022-03-19 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: CA

Complaint narrative:
Hello CFPB, I had XXXX accounts with XXXX XXXX XXXX XXXX which I have paid in full however XXXX, Equifax and XXXX continue to show them as settled for less, not PAID IN FULL. I recently paid them off and XXXX XXXX sent me three letters for each account showing paid in full. I will upload each letter here. When I submit them to the credit bureaus, they refuse to update them. This is affecting my credit report, I cant get a loan and may now affect my employment. I need help and someone to call each bureau and have these three accounts reflect : closed, PAID IN FULL. I have disputed the accounts for the past 30 days, I have called multiple times and written two sets of letters. They are reporting these accounts incorrectly. Please can you help me. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
Somehow Google pay captured my new debit information from a payment I made then used that information to pay other accounts, like XXXX, XXXX XXXX which is a gaming app and XXXX XXXX which was a three month free trial. Today I got money deposited and XXXX grabbed all the money. I am XXXX, XXXX, and on a low pension and like everyone else who got sidelined when XXXX hit have been living on a really low pension. 

I am really tired of the aggressiveness of online companies like XXXX, XXXX, XXXX and XXXX in grabbing payments. I got a notice that XXXX was having trouble collecting funds. I am like okay, because they don't have the new debit card number and I don't even know why they were trying to charge me because I never gave the new debit card number nor authorized any payments. When I complained to XXXX about this they were not sympathetic. They want me to go without money so that the billionaires at XXXX could get richer. I talked to XXXX at XXXX and informed that this is XXXX  abuse and still still XXXX refused to give me a provisional credit, They wanted me to go without a debit card bec ause I won't be able to get a new card until middle of next week. I pay XXXX $ XXXX for priority service and they still discriminate against for be a woman, XXXX and XXXX. 

I do not understand why I have to be penalized over {$56.00} while XXXX and XXXX make millions. For me the hardship is that I can't buy food or pick up prescriptions without access to funds. I also fail to understand why XXXX insists on using call centers in XXXX XXXX that have no sympathy or empathy for the hardships I might be experiencing. I feel that my needs would be more recognized in a country that is not chauvinist and misogynist as everyone knows the XXXXXXXX XXXX where the dictator leader kills people who suffer from drug addiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Rocket Mortgage forced me to pay PMI and told me they would remove that once I hit the 80 % equity mark. In order to remove this they make you call them so they can " calculate '' if you meet the requirements. Even though the monthly statements tell when you've met the requirements they won't remove it until you've hit 78 % mark. This PMI for to XXXX XXXX, who requires this as an insurance, even though they are the ones who defaulted in 2008, not me. I had spoken to Rocket Mortgage previously and was apparently not quite at the 80 % mark. I think I was half a % off. They did NOT count this as a request to remove. I called today and they put me through so many phone tree options tht it can be seen as a tactic to dissuade customers from calling to remove the PMI. I presses a phone tree option 23 times before I got a default operator whom I had to beg to send me to the PMI rep. They purposely make it difficult to get this removed and this " insurance '' if you can call it that goes directly to the XXXX and XXXX XXXX XXXX account, for doing nothing. Hundreds of thousands of dollars through this scam. I should be able to get a refund on my PMI for when I met the 80 % mark, especially since the insurance did nothing for me and certainly did not protect me from anything. It also did not provide any service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: PR

Complaint narrative:
I try to report account open fraudulently in my credit report on Equifax and I send the Identity theft report, and they still reporter. I ask for the method of investigation they use and they don't comply. They violated my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: AL

Complaint narrative:
on XX/XX/2021 I made a call to XXXX XXXX XXXX and explained to them that I had an incorrect late payment on my account. I was told it would be investigated and I would be notified by mail. Later XX/XX/2021 I received a letter informing me that " this account was reported as deleted for XXXX XXXX ''. I checked my report 30 days later and it was still there. I have tried for several months to get this removed form my account. This process has cause me to lose out on property, funds and caused a lot of frustration and destress. XXXX placed a 30 day late payment on my account and I have never been late. I bought a new car and in the process of the dealership transferring the payoff of the first cat to XXXX financial the communication between the two were lost. I was received XXXX different contracts and the financial company said they only got one. I had to prove to them that I had 2. I am in the process of XXXX a house and this late payment is holding the process up. Because of this mistake I have lost out on many homes and funding. I need help getting this Item removed.

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