vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 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: PRESTIGE FINANCIAL SERVICES INC
State: WA

Complaint narrative:
Prestige financial has done everything they can do to continue to swindle me. I am formed him that I recently purchased a car with a salvage title and I was unable to get insurance and what they worked with me was hard to get out of the loan I made payment arrangements for the duration of my contract with them. Once I finally got out of the contract and out of the car that I was in that was tied to Prestiges financial they purposely put on my credit that I was one payment late during my whole contract with them. That was a methodical plan thought out through management from XXXX my case manager to her managers did everything in their power to make my credit up here bad by putting that I was one payment late on my credit after my contract ended with them which was totally false. I have several emails I have several voicemails from XXXX including her managers axing me when you can expect a payment when I fell behind several times throughout the contract. So to be spiteful out of my contract with them have ended they intern decided to say hey you know what lets put this one in the red mark on his credit report to teach him a lesson, thats very unfair and unprofessional, And when I call and ask them if they can correct their mistake that they have put on my credit report they said they have no record of me ever being late only that one particular time which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: FL

Complaint narrative:
I have disputed a child support account reporting on my XXXX and Experian reports for over a year and the credit bureaus keep reporting inaccurate information on my reports like payment history, amounts owed that has gotten me denied for credit applications numerous times.

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 2020-12-16 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: WA

Complaint narrative:
XXXX XXXX has done everything they can do to continue to swindle me. I am formed him that I recently purchased a car with a salvage title and I was unable to get insurance and what they worked with me was hard to get out of the loan I made payment arrangements for the duration of my contract with them. Once I finally got out of the contract and out of the car that I was in that was tied to XXXX XXXX  they purposely put on my credit that I was one payment late during my whole contract with them. That was a methodical plan thought out through management from XXXX my case manager to her managers did everything in their power to make my credit up here bad by putting that I was one payment late on my credit after my contract ended with them which was totally false. I have several emails I have several voicemails from XXXX including her managers axing me when you can expect a payment when I fell behind several times throughout the contract. So to be spiteful out of my contract with them have ended they intern decided to say hey you know what lets put this one in the red mark on his credit report to teach him a lesson, thats very unfair and unprofessional, And when I call and ask them if they can correct their mistake that they have put on my credit report they said they have no record of me ever being late only that one particular time which is false.

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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
PHH Mortgage has reported 30 days late payment for XX/XX/2020, when this payment was received within the grace period of the loan. The problem was corrected in the company 's records but not updated at the credit bureaus ' reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: FL

Complaint narrative:
I have disputed a XXXX XXXX account reporting on my Equifax and XXXX  reports for over a year and the credit bureaus keep reporting inaccurate information on my reports like payment history, amounts owed that has gotten me denied for credit applications numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA

Complaint narrative:
On XX/XX/2020 XXXX XXXX at signature home lending is Denying the use of and verification of monies for Grant and homebuyers assistance programs. Lender is stating they want the use of XXXX assets and or Cash on hand only.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: NJ

Complaint narrative:
I called the company some time ago and settled the debt. The company has not removed the collections account from my credit report. Multiple attempts to contact, matter has not yet been resolved.

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 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
When I closed on the house everything went smooth rate was good, about a year later they took my school/county tax out twice once in XXXX and again in XXXX XXXX with interest on it ) didnt realize this until I got a letter stating that my escrow account was below where it should be and that they want to either double my payments or make me pay a lump sum. I called my town - county to ask if they received my tax payment they said they received no payment in XXXX so they charged it in XXXX with interest but the mortgage company took the amount out of escrow twice with no refund. Now a year later the same thing has happened school-county has not received my taxes due 2 months ago and now will be recharging me with interest in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
The Bank of America has been holding my check and XXXX transactions

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 2020-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: ME

Complaint narrative:
Account is reporting TWICE on my credit report. Same amount, creditor, yet this is being reported by two entities from same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
On XX/XX/2020 both XXXX XXXX and XXXX XXXX was paid off. I have repeatedly called and they keep promising to remove the debt. It is still on my report. I paid XXXX XXXX directly and XXXX XXXX through XXXX. Please help get these removed

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report.I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I made a payment on the due date that posted the following day resulting in it being late by 1 day. Im not disputing the late fee its the amount due and past due charges that I cant get any cooperation in resolving. Because I made the payment my account should have been current. Instead I had a past due amount of {$25.00} and a minimum due of {$87.00} the next month. My minimum payment was {$42.00} prior to being 1 day late. The supervisor told me that my payment increase is because I was late. Nowhere in the credit card agreement does it say this or that late fees must be paid immediately. Normally late fees would be added to your balance. Synchrony bank is a predatory Lender and will continue to be. My account was also closed by the supervisor and another account with synchrony I had never used. I can provide a copy of my credit file. I have zero late payments with any of my creditors revolving or installment. I was never late with my synchrony account until this payment posted a day late which is my fault. I just dont understand the doubling my payment and {$40.00} late fees because I am not paying the higher payment. I continue to make the required minimum payments I was making prior to this

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 2020-12-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX  was voluntarily XXXX in XXXX. BOfA said we owed {$30000.00}. They agreed to monthly payments of {$350.00} to be paid by direct deposit until the debt was paid off. They stated that we would have to call a number every three months and set up payments for the following three months. This debt was written as a charge off and comes out of our bank account as a mortgage. In XX/XX/XXXX, we made our payment like normal, but the customer service rep saw a glitch in the system. We confirmed with our bank the payment went through and BofA confirmed it on their end. In XXXX, we get charged twice. Once for an amount of {$350.00} like normal, but then there was a payment of {$300.00}. We called them immediately and the customer service representative stated we broke our agreement and did not pay in XXXX, therefore the Bank can take what they want out of the account. After reaching out to a supervisor, we get a response that it was a glitch in the system and that they would process a refund check for the {$350.00}. After waiting weeks for the check to come back in the mail, we called again and got the run around with the " manager '' XXXX, that said we needed to now show him proof with a bank statement that they took two payments out. We are getting ready to show him that now. However, now our XXXX payment has come out and it is once again a double payment. The bank refuses to own their system mistake and we are paying for it.

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 2020-12-16 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: PA

Complaint narrative:
Due to bankruptcy secured credit card account with Capital One was closed. Remaining balance was paid with secured funds however there are remaining funds due back to me. I attempted calling several times and no one assisted me. 
I am currently reaching regarding Master Card secured account ending in XXXX. The account was closed due to chapter XXXX bankruptcy. Last statement I received from Capital one was in the amount of {$200.00}. I opened the account in the amount of {$480.00} of secured. I believe I am due a refund. Please review and return my funds to me immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
I recently refinanced my mortgage through XX/XX/XXXX. 

The loan was serviced by " XX/XX/XXXX '' for about a month and has now been transferred to AmeriHome Mortgage. 

I made my first mortgage payment due XX/XX/XXXX plus an additional {$900.00} principal payment to " XX/XX/XXXX '' on XX/XX/XXXX. 

This payment is not currently reflected on my account balance with AmeriHome Mortgage. I have contacted AmeriHome Mortgage twice to inquire when the funds will be transferred from XX/XX/XXXX to AmeriHome Mortgage and reflected on my account. 

They have not been able to answer this question. All they have said is that they will not report me as paying late for 60 days and the payment will be reflected when the funds are transferred. 

In the meantime I have received two phone calls from AmeriHome Mortgage to discuss why my my first mortgage payment due XX/XX/XXXX is late. 

I would like assistance in ensuring the funds are transferred and reflected on my account on the correct date. 

In addition, when I first reached out to AmeriHome Mortgage I provided them with a copy of my statement from XX/XX/XXXX and my bank statement showing the missing mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: GA

Complaint narrative:
afni collections XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX,XX/XX/XXXXXXXX Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX and its agent ( afni collections ) states I owe a balance of {$120.00}. I have also recently found out that a settlement was offered for {$64.00}, " I do not owe any money to XXXX XXXX XXXX XXXX. '' In fact have contacted them on a number of occasions to get a copy of itemized bills for the claimed amount. Here is a list of recently documented contacts : - On XX/XX/2020 I talked to XXXX XXXX XXXX rep XXXX who stated they would send copies of bills, thereafter I was transferred to Collections Rep. Ms. XXXX, this Rep. reviewed the account and stated charged had something to do with equipment charges. I stated that impossible because I was advised there was no need to return the XXXX XXXX XXXX modem, if fact it still sits in my storage room! She opened a request and gave me reference # XXXX, and state the XXXX Back Office Team ) would contact me. I have not received any contact. 

- On XX/XX/2020 @ approximately XXXX talked to Rep. Ms. XXXX regarding issue she opened up a request and provided reference # XXXX. I have not received any information. 

-Recently on XX/XX/2020 I called and was transferred to Rep MsXXXX XXXX ID # XXXX who advised me she could not access the account due to some system issues and stated I would need to call back. I advised the Rep I would not be calling XXXX XXXX XXXX back and would pursue other legal remedies. 

I can not believe I am going through all of this for {$120.00}, this is erroneously affecting my credit at this point and I am seeking all avenues of relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I use PayPal on a daily basis to send and receive money. Today on the XXXX of XXXX i received an email from PayPal including the following : " During a recent review, we found an unacceptable level of potential risk associated with your account. As a result, we've permanently limited your account and you can no longer use PayPal. '' I have {$2500.00} usd and {$2200.00} aud in my paypal balance and for them to close my account without reason just because they see a potential risk in keeping my account open even though ive been using paypal since 2018 and never had a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
I ordered a couch back in XXXX and I was paying it off they told me before how much was left now its as if in XXXX they are still trying to over charge me and Im not understanding

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2020 - I contracted with XX/XX/XXXX for service and automatic monthly payments. 
XX/XX/2020 - No service, and XXXX wouldn't correct it. Auto pymts. stopped. 
XX/XX/XXXX stopped debiting my card, but suddenly charged {$420.00} in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: MD

Complaint narrative:
Experian is reporting an account twice. The entry appears as XX/XX/XXXX, then again as a collection in the entry XXXX XXXX XXXX. I have disputed these entries directly with Experian and the correction has not been made. Experian is violating the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by duplicating these entries.

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 2020-12-16 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: GOLDMAN SACHS BANK USA

Complaint narrative:
The matter is twofold. Goldman Sachs has 1 ) been sending me unwanted and unnecessary emails for six months. They have done this even after having 2 ) cancelled my credit-card ( Apple Card ) account, which cancellation was unwanted by me.

These emails are now tantamount to spam ( https : //www.ftc.gov/tips-advice/business-center/guidance/can-spam-act-compliance-guide-business ) : Goldman has no legitimate business purpose in sending them, as they are statement notices for an account that has been closed for over a year and has had a XXXX  balance since XX/XX/XXXX. The most recent of these emails arrived on XXXX XX/XX/XXXX. How does this qualify as transactional or relationship content? 

I have contacted Goldman many times to request that this stop. I have made these requests in conversation with Goldman service agents and via postal letter. Service agents have assured me that the matter will be dealt with, but it appears that no action has been taken. 

But why did Goldman cancel my account in the first place? The official closure notification stated that it was due to my failure to comply with the terms of the Card Member Agreement or Rewards Agreement. I went over the Card Member Agreement with a fine-toothed comb and could not spot my infraction. 

Enquiring further, I discovered that Goldman apparently believed that I represented potential first-party fraud ( a Goldman service agent revealed this to me during a phone conversation, by incautiously reading aloud the notes on my account ). This is obviously inaccurate. And let the following be noted : I missed no payments ; the balance on my account never went above 30 per cent of the credit line ; the balance was fully paid within months of the account closure and amidst a global pandemic. 

I believe that Goldman committed an error in closing my account. I must have been among the first users of Goldmans credit-card service, as my account was opened shortly after they first launched Apple Card in XX/XX/XXXX. Therefore I believe that this situation has arisen due to Goldmans relative inexperience in the consumer credit market. They are compounding their initial error by continuing to send me spam-like messages and ignoring my requests that these cease.

Company response to consumer: Closed with explanation