vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TrueAccord Corp.
State: PA

Complaint narrative:
On XX/XX/XXXX a block call came through to my cell phone and a message was left by a young lady who I could barely understand. She left a message that her company was going to serve me paperwork to my home and job to have me arrested for a legal matter in their office. She also stated that the warrant would be sent via certified mail in a few days unless I called their office to resolve. I called the number back and a man answered I asked what the name of the company was and he refused to give me that information and hung up on me. I called back repeatedly and got their voicemail. A few minutes later a get another call from XXXX XXXX and the same person left another threatening message. I immediately texted the number back and asked for the company 's name and that I was going to file a complaint. Today XX/XX/XXXX I get an email from a female name XXXX XXXX ... .I have a copy of the email and I can also provide a copy of my response to her to cease all communications, and that I had no idea what this was about. In her email she started out by saying are you still confused on why we are contacting you. Never mind that I sent her a text message just yesterday to cease all communications with me and send everything from her company on letter head to my attention via mail. My FDCPA rights were violated with the threatening email, they continue to contact me even when I told them to cease all communication. I have the recorded called on my cell phone I have saved it. Please let me know when I can share it with the CFPB office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$22000.00} XXXX   XXXX {$18000.00} XXXX   XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
We have two homes and two different mortgages serviced by the same Loan Servicing company, LOANCARE. 

Our Check made out to XXXX XXXX XXXX with the loan number written in the memo field was deposited into the wrong account. 

This caused a late payment, We weren't notified, Both my wife and my credit has dropped 78 points. 

I spoke to the LOANCARE who admitted the mistake, they told me to write an email and send it to paymentresearch@myloancare.com which I did, Friday, XX/XX/XXXX. As of today, XX/XX/XXXX, I have had no response from LOANCARE.

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 2020-07-14 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: IL

Complaint narrative:
credit card refused to investigate disputed charges related to Covid-19 travelling to 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 2020-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am trying to link my account with the XXXX app, so I can fund an investment account. PNC is not allowing XXXX to connect to the app. I'm also having trouble connecting with Mint.com and other apps. It seems that PNC is not allowing third-party apps to connect with PNC accounts. This is incredibly frustrating. It's not up to PNC what apps I use or what I choose to do with my money. They must allow these apps to connect!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I had eight store credit card accounts ( Amazon, TJ Maxx, XXXX, Paypal Credit, Lowe 's, JC Penny, XXXX, and QVC ) with Synchrony Bank, which has a monopoly on store cards. The company closed my accounts suddenly at the beginning of XXXX, without notice, and did this to several hundreds of consumers since the onset of the COVID-19 pandemic ( per a XXXX search on the issue ). I, along with several other consumers, had rewards points attached to these cards. Prior to closing the accounts, my credit score was almost XXXX and I had very few credit card debts. My credit utilization was around 10 % and I have 0 delinquencies or collections. When the company cancelled these eight accounts, I had to act quickly to reduce my debt to keep my credit utilization above average in the hopes of retaining my stellar credit score. In addition, the company wrongfully used the closures to thieve all of my rewards points, which amounted to a modest {$170.00} XXXX {$110.00} with Amazon, {$30.00} with TJ Maxx, and {$30.00} with eBay ). Further, the company used their monopoly to causes damages to me in the form of reducing my credit score before I could use my savings to keep my debt-to-income ratio above average. In letters I received on XX/XX/2020, the company simply stated that activity on my accounts was " indicative of high risk of failure to pay, '' which is categorically unfounded per a review of my credit usage with their company and all other companies with which I have ever had financial instruments. I have had 0 late payments with any of my creditors including Synchrony, have never filed bankruptcy, and, in fact, pay off my balances every month for every Synchrony card that was wrongfully closed.

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 2020-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$22000.00} XXXX   XXXX {$18000.00} XXXX   XXXX {$230.00}

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 2020-07-14 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$22000.00} XXXX   XXXX {$18000.00} XXXX   XXXX {$230.00}

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 2020-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: CA

Complaint narrative:
I have asked ERC to stop calling me and to communicate in writing only yet they continue to call me anyways.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MA

Complaint narrative:
Today, XX/XX/2020 I tried to withdraw {$400.00} from my cashapp account and Ive been able to withdraw money before. Ive tried 5 different times to withdraw from the ATM and it wouldnt allow me to, I went to check and they said that my account is closed.. didnt even send an email or anything and that is an inconvenience for me right now especially during this pandemic. Please help me get my {$1000.00} from cashapp I want to withdraw all of it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
I started a streamline refinance the 2nd week of XXXX due to covid I wanted to lower my payment so unemployment would cover my Freedom mortgage Loan Spoke to XXXX XXXX XXXX XXXX on XX/XX/XXXX 2020 Again on XX/XX/XXXX20 He told me to skip XXXX XXXX payments and pay XX/XX/XXXX payment, Didnt notify me of anything Else didnt enforce to pay Id refinance didnt go through during the process, my credit was affected by their negligence and lack of communications. I have all the digital documents they made me sign and refuse to fix the problem. 

XX/XX/XXXX20 it was transferred to XXXX XXXX XXXX XXXX who sent me digital paperwork XX/XX/XXXX2020 XXXX/XXXX20 Another loan person contacted me XXXX XXXX through email only never a phone call advising me to contact XXXX not rectifying the verbiage used by XXXX or letting me know anything really. 

XX/XX/XXXX20 Contacted customer service who was awesome letting me know all supervisors would be notified XXXX no one called me back XXXX spoke with A XXXX, XXXX they placed me in forbearance due to unemployment not paying until late may. 

XX/XX/XXXX20 Ashimi ( in charge of my case ) notified me my credit issues would be fixed in a couple or a few days not months and she would call me back, also said she didnt have a number just her ID which I forgot. 
I explained the entire situation she said it will be fixed. 


Today to this day they have not fixed my credit it actually decreased from XXXX to XXXX due to their error, I have called and Requested them to fix my credit at least, since the refinance was cancelled on my part because of the emotional trauma this has caused me. With everything going on with covid affecting my city immensely and all the anxiety caused by this company I dont understand how they are still in business. Freedom Mortgage is an appalling company and the loan department needs to be investigated from lying to entice a sale to lack of communication and ruining credit on their customers. I told them I work for. Federal company who requires a good credit report and have yet to care.

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 2020-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On Monday XX/XX/XXXX I received a call from Capital One stating that my account was flagged and audited for possible fraud. I have several authorized users. None of their cards are activated nor do they have access to their unique card numbers as I have all authorized user cards sent to my home address and not theirs. In addition I have a {$9300.00} credit limit and a {$0.00} balance on my account. I very rarely use this account with the exception of the XXXX season. 

Capital One asked me to contact my authorized users and request that they send me a copy of their social security cards, and the front and back of their drivers licenses. 

I supplied them with most of the information but was still in the process of gathering up copies for the people they named. Capital One told me there was a timeline to get this done but to understand that they could not remove the restriction off of my account until they had all of the required documentation. 

They called me today XX/XX/XXXX and told me they were closing my account because they could not verify one of the documents that I had already sent in. I asked more questions regarding which authorized user they were referring to and they said they could not share any further information with me. I don't believe that any of my user 's are suspicious, but if they are, I would like to know specifically who they are referring to. I believe I should have some sort of clarity and understanding on what's actually happening and why. 

In addition, I have had this account in good standing for over 6 years. I thought I had built a good relationship with the Capital One. I would like to be clear on what this random audit and the outcome means for me and my credit reputation going forward. I have worked hard for my credit standing. 

Also additional information is listed below. 

My XXXX # XXXX XXXX Customer XXXX XXXX XXXX Is the contact number they gave me. 

Thank you so much for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Rapid Auto Loans LLC
State: FL

Complaint narrative:
Rapid Auto Loan Issues Aged Reports For 4 months I informed Rapid Auto of aged reporting issues where their system reflecting inaccurate information.Their system was adding an extra 30 Days to my payment status. In example, if I am 1 day late, the rapid auto loan system was showing 31 days late. It took them several months to fix an issue which should have been resolved in minutes. This has caused harassing phone calls and texts related to issue.Harassment Rapid Auto sends several texts daily stating the my vehicle has been dispatched for repossession. The statement is an illegal form of collections which stresses the customer. If I am late with a payment, I set an arrangement with the company and make the payment on the stated date. The texts they use to agitate or harass their customers is illegal. My vehicle has never been out for repossession as it incurs additional costs for the lender and customer. Rapid would also need to attempt to cure the current status before dispatching any vehicle for repossession. This falls under unfair business practices and should be prevented by any lender.Pay off - At 26 % interest, I have requested a payoff from Rapid for 3 months and have not received a call back to settle the account. I am incurring an additional XXXX dollars monthly in interest fees that I have been trying to avoid. I sent several request to XXXX to settle the account with an adjustment to the payoff amount. Rapid is choosing to ignore the request in an effort to maintain interest payments through the term of this loan. I would have saved XXXX dollars so far in interest payments if they provided me the adjusted payoff 3 months ago. I have requested another payoff with XXXX payments left which would save me XXXX dollars. I am requesting a final payoff from Rapid of XXXX which also includes the 3 months of interest payments in which they ignored.Rapid auto loans has no language in contract regarding prepayment and has included 12 months of interest in the principal they say i owe. Since I have been trying to pay this early, I am not liable for additional interest payments. The loan needs to be settled at fair value and I have been trying to do this for3 months now. They dont respond and forces me to make the payments monthly.They should be investigated for how they manage interest accruals in contracts and charge their customers.I am requesting that CFPB discuss these practices with the lender and ensure these issues are resolved. Rapid Auto should not be in the business of lending considering these concerns. I am sure others have experienced these deceptive practices by the company. They should be audited and fined for these occurrences. I am also requesting their license be put under review while CFPB investigates these claims.Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
On XX/XX/ 2020 I applied for a home loan refinance in which i was made aware of a collection from XXXX XXXX. My wife called the collection agency on XX/XX/2020 to inquire on it. The collection company Sequim stated that the account shouldn't be in collection and directed her to direct tv. She was on the phone between department to department to get a letter that this is an error. Each operator would just pass her off to another operator and nothing was resolved. There was nothing showing I owed this debt and yet we can not get it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have found an account from JEFFERSON CAPITAL SYSTEMS on my credit report that is in violation of the Fair Debt Collections and Fair Credit Reporting Act. I have filed a dispute with the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lake City Credit
State: TX

Complaint narrative:
Filed complaint with credit bureaus and they have continued to contact me from different numbers. They have mailed documents but have not provided all documents I have requested from the credit bureaus. They have not provided the proof the debt that was sent is from original creditor. Did they provide legal documentation of having the right to collect the debt nor shown proof they are able to legally practice debt collection in my state. They have not stated if the original creditor sold the debt to them of did they buy the debt from another collection agency. Also the collection Agency has not shown the amount the collection agency claim I owe them match that of the amount from the original creditor at the time of charge of, and to provide the 1099 form from the company, interest amount, closed date, payment history, and has past SOL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-07-14 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-07-14 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: LA

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation