vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I paid off my Macey 's credit card in full ( XX/XX/2020 ) before the next statement date in XX/XX/2020. Macey 's is trying to make me pay for instrest that is false after my balance was paid off the month before. 
I want Macey 's to remove the {$2.00} interest fee, as I am refusing to pay the interest on a XXXX  balance.

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 2020-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A number of accounts that don't belong to me are been posted in my credit, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. further more according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts must be removed. please send me that information or remove these accounts from my credit, the law is very clear about this. 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 2020-05-02 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: CORELOGIC INC
State: FL

Complaint narrative:
My complaint is about Credco / XXXX, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiry on my XXXX on XX/XX/2019. Please remove immediately. 
XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/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 2020-05-02 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: National Credit Adjusters, LLC
State: IL

Complaint narrative:
The Keep reporting on a account that is closed. Closed date not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: GA

Complaint narrative:
A number of accounts that don't belong to me are been posted in my credit, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. further more according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts must be removed. Please send me that information or remove these accounts from my credit, the law is very clear about this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: MN

Complaint narrative:
this account was paid and i ask them to remove from my credit which they did not when i ask do they pay for delete they said they did.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

1.SYNCHRONY NETWORKS

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 2020-05-03 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: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
My complaint is about Oportun / Prog, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize two inquiries on my XXXX Credit Report on XX/XX/2019. Please remove immediately. 

Oportun/prog Inquiry from XX/XX/2019 Oportun/prog XXXX XXXX, CA XXXX ( XXXX ) XXXX Oportun Inc/ Oportun Inc/ XXXX XXXX , CA XXXX Inquiry from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
THIS IS STILL NOT RESOLVED! and cfpb I need to add you to my complaint. When are you going to investigate this and do something about it! 
This has been over a year now that I have been trying to resolve this. It's lakeview loan servicing/my loan care that made the mistake! 
They overpaid my taxes. They didn't even wait for the bill. AND THEY DID IT AGAIN and AGAIN! They sent {$1000.00} XXXX20 and {$260.00} on XXXX2020. That's like double that was due! 
THIS SUSPENSE ACCT XXXX IS JUST ANOTHER SCAM FOR THE MORTGAGE COMPANIES TO RIP YOU OFF! 
If they wouldn't of sent {$1000.00} instead of the XXXX that was actually due, I never would of needed any suspense acct! I paid exactly what my closing papers showed for the first year - which was correct. Instead of having {$590.00} in my escrow acct after they paid my insurance Loancare shows me as having an escrow shortage. AND IT JUST KEEPS GOING MONTH AFTER MONTH! WHEN IS SOMEONE GOING TO GET OFF THEIR XXXX AND DO SOMETHING. I am dealing with XXXX   XXXX XXXX and I don't need this 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 monetary relief
Consumer complaint received 2020-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Hi CFPB, I opened a business checking account with HSBC on XX/XX/2019, which came with a promotional offer where I would receive {$250.00} after maintaining {$5000.00} for 120 days and logging into the HSBCNet website within 30 days. I had performed both of these tasks yet do not see the bonus posted to my account. I would appreciate if you could look into this and inform HSBC that {$250.00} is to be posted to my account. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
XX/XX/20 @ XXXX called Capital Systems  XXXX no answer 47-second call XX/XX/XXXX @ XXXX called Capital Systems  XXXX no answer 54-second call XX/XX/XXXX @ XXXX called Capital Systems XXXX 1 minute 42-second call-representative informed me account # XXXX was sold and to call XXXX. No company name was given to me. 

XX/XX/20 @ XXXX called Capital Systems  XXXX no answer 47-seconds call-tried to call and get the name of the complaint that account was sold to. 

XX/XX/XXXX XXXX called XXXX to see why {$560.00} is being reported on my credit. The representative would not give me the company name and after asking 3 times she disconnected the call. 

XX/XX/XXXX @ XXXX called XXXX 1 minute 42-second call - this time I didn't ask for the company name I tried to talk to her about the original company that sold this account, its called XXXX. She kept wanting my full social security number. I only would furnish my name and date of birth. I stated to her several times that I have never had or even knew what that company was, I did inform her that they ( whatever business she was with ) falsely reported a debt of {$560.00} on my credit report. Also, they are falsely and knowingly reporting a monthly payment of {$560.00} on my credit report. I told the representative that her company is in violation of the fair and accurate credit reporting act and I needed this matter to be resolved ASAP od I will be reporting this to the consumer financial protection bureau. The representative hung up on me. 

So it's nowXX/XX/2020 and this is my formal complaint. PLEASE HELP ME TO GET RESOLUTION ON THIS MATTER CAUSE THIS IS CLEARLY TO ME THAT THIS INFORMATION IS NOT CORRECT AND ALL I KEEP GETTING IS SOME SHADY BUSINESS BEING REPORTED ON MY CREDIT AND NO HELP WITH AN EXPLANATION. THEY CAN NOT EXPLAIN ANY INFORMATION THAT I ASK FOR, ALL I HAVE GOTTEN WAS THEY WANT ME TO SETTLE WITH A LOW PMT FOR SOMETHING I HAVE NEVER HEARD OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Paid for items over Zelle and was scammed. Would like a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: CT

Complaint narrative:
This complaint is for Remitly : I sent money before with this company and I never had any problem. Now, I sent two ( 2 ) transfers to XXXX ( International ) and I did not receive any of them. The first transfer I made was XX/XX/2020 XXXX in exchange XXXX. 
The 2nd transfer was made in XXXX XXXX XXXX and it arrived as XXXX. 
Both through the website and app it shows that was received. 
But, Remitly is holding my money for a long extent or period of time. 

Note ; The international agency/company in XXXX claims that I have sent money in the same coin or value of XXXX XXXX. 

Please, I would like my money back, refunded or deposited ; the correct Dollar to Real exchange in my account. 

Please dont hesitate to contact me At ( XXXX ) XXXX or at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 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: OH

Complaint narrative:
XXXX XXXX filed a collection against me on XX/XX/XXXX for {$270.00}, they agreed to close and remove this from my credit file if it was paid in full, I did pay it in full in XX/XX/XXXX. They sent out letters to XXXX, XXXX and Experian notifying them of this, XXXX and XXXX closed and deleted it from my credit file, Experian still continues to report it on my credit report along with they are reporting that it also had a late payment, this was a collection, late payments did not apply. I contacted XXXX XXXX and they stated that they notified Experian to correct the information, I also contacted XXXX XXXX and they also stated that it would be corrected. I have filed disputes with Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, Experian just keeps updating my file with the incorrect information and they still have not closed and deleted the file as per the agreement. I have also had representatives at XXXX XXXX send letters regarding this matter, that I did submit with my dispute with Experian.

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 2020-05-03 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: National Credit Systems,Inc.
State: OH

Complaint narrative:
I have previously disputed with National Credit Systems that the debt they claim is mine isn't. I have been successful in having this item removed by XXXX. I am still fighting with XXXX  and XXXX. I have contacted National Credit Systems about this debt and they refuse to listen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I called Capital One about getting the rest of the money in my closed account sent to me. I never recieved the check so I called back on the XXXX and they said they would resubmit it and again on XXXX. I had still not received anything so I called again on XX/XX/XXXX. They told me the would put in another request and I would get information soon. I called 3 more times that week to speak to supervisors who all told me to keep calling back and theyll have information and they dont. XX/XX/XXXX I called again and was told a team would reach out to me about it and it is now XX/XX/XXXX and I havent not heard a single thing and when I called again today I was just told to call again sometime this week. This behaviour is literally disgusting. I am struggling to live and pay my bills and I have waited over 2 months now to receive MY money. I am at my wits end trying to figure out what's going on but they're telling me it could be weeks before I find out. They are also denying that requests were made in XXXX when I talked to THREE different managers about it. They are mismanaged and unorganized and I was flat out lied to by multiple managers about when I would be receiving information regarding the check and when I would actually receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
We have been trying to modify our loan for a year. My husband is on the house and they refused me twice and said I am not allowed to use his incom. This is a lie according to my lawyer. Soo my husband almost lost his XXXX twice. We have been working with a lawyer and then the pandemic happened and now they must think its over because my lawyer said it will be frozen until we do the modification. I made the mistake telling wells fargoo my house was worth Moore. It is worth way less so now they are kicking us out according to my credit report that as of XX/XX/2020 Im in foreclosure. They never returned my call they dont know what there doing. All they want to do is get us out. We felll behind medical loss. We make well over XXXX figures and we do infact qualify for something. But they lied and told me my husband doesnt count and now they just want my house and I havent even finished what the lawyer wanted me and my husband to do. They forclose ashy way. I have also been working with hud and XXXX and others. This is scaring me. I dont know if I need to get a rental and move us out here. They are awful and very very deceiving. Please help.

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 2020-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
I have been disadvantaged by Fedloan whom I consolidated all of my student loans through in 2016. I used XXXX ( Nonprofit organization that I paid nearly {$400.00} dollars to assist me ) to consolidate the loans and this triggered for me to receive an application for the Public Service Loan Forgiveness program. At the time that the consolidation went through, I was told that I my PSLF application was accepted and approved and was placed on an affordable monthly payment. To my dismay, a year later while dealing with Fedloan to recertify for the employment aspect of the application, I would be told that I was never in the program due to them not receiving my application. Although I completed the form and submitted it multiple times to Fedloans ( faxed and emailed ), their representatives ( multiple conversations related to this topic ) would argue that they never received nor processed an application for my account. 
Over the course of a 5 year time span, I feel that I have been mislead and given very misleading information regarding my original application, its approval ( which I was told eventually that it was never processed because they never received the application despite multiple submissions ), payments made to Fedloan ( which the ones that were made I would later learn were never applicable to the program because of Fedloan mishandling/mismanaging my application ) and repayment options in which I was forced to go on the income driven repayment plan after multiple attempts to have successful reviewal and acceptance of the PSLF application. I have also been forced into a perpetual state of student loan forbearance because of my inabilities to afford the loan amounts that have been assessed to my account. Now that there is an active litigation process going on, I would like to become part of the movement in order to receive recompense for my loans that are now much higher than they originally were due to interest and penalties that have been applied to an already six-figure student loan debt. I am struggling and need intervention with this situation as I am drowning in debt and am unable to afford payments at this time under the IDR program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
After I asked for a forbearance the mortgage company offered three months, not six. Then began many confused and erroneous communications. First they said I was late on the payment after confirmed for forbearance, then they retracted that. Then I was told I needed to pay escrow and then that was retracted. Finally the forbearance seems to be real but almost entirely useless because the entire amount is due at the end of three months. 

The point of contact has intermittently replied and then ignored me for many days. 

I was told that after the three months, I would have to pay all three months of forbearance in one lump payment. This is a useless and not acceptable solution. 

My understanding is that the CARES act informs mortgage servicers to behave differently. 

When on Friday XX/XX/XXXX, after being on hold for 1.5 hours, I finally got to speak to someone about these concerns, the man on the phone told me that the forbearance payment being due at the end of three months was not negotiable. When I asked why, he said the investors had not approved a deferment. When I asked what I could do about this situation ( I asked this question in at least three different ways ) he told me that I could make a payment. This was the solution offered. I have never paid late and have excellent credit. I own a XXXX XXXX XXXX XXXX XXXX and my family lives on the money this business generates. As everyone knows, all public events are cancelled and therefore my income is XXXX. There was no effort by the mortgage to take any of this into account. 

I have read the latest CARES act rules and this is an affront to both myself and the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation