vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
I purchased a new Harley Davidson motorcycle in XX/XX/2020. I was excited to get my first bike despite no one informing me of their Military Purchase Plan which has XXXX money down and very low interest rates. Despite having a credit score of over XXXX I got financing for a $ XXXX XXXX through Harley Davidson Financial at a rate of 19.5 % and 72 months with a monthly payment of {$600.00}. Then Covid hit and I had many more expenses than before. I also was given new orders in XX/XX/2020 to report to XXXX XXXX in XXXX from XXXX XXXX in XXXX.All my payments were made on time until XXXX when I requested a forbearance for XXXX and XX/XX/2020. I kept getting phone calls from an unknown number and finally in XXXX Harley Davidson threatened to report me to my superior if I didn't make 2 payments. 
I contacted Harley Davidson several times trying to understand why they reported me 30 and 60 days late during the forbearance. I spoke to 4 different individuals and was treated poorly by several of them. I was being told that I have been negligent in making my payments and was even told that at one point my loan was over 90 days late! They all confirmed eventually that the forbearance was for XXXX and XXXX but failed to explain how it was overlooked and then billed for it. My final conversation was from XXXX who told me that the forbearance was for XXXX and XXXX yet they still show my credit report as being 30 days late in XXXX and 60 days late in XXXX. These lates have seen my credit report drop 100 points and they refuse to do anything about it. I asked about a refi to a lower rate and was denied immediately and I also asked who would refinance motorcycles and no one could give me a name yet Iron Horse is part of Harley Davidson and I was never given their information. I have repeatedly informed them of my financial hardship but they do not care nor are they giving accurate information that changes constantly. They claim to have recorded phone conversations and I would like my recent ones requested because they admit to what I am disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX Capital One Auto Finance reported 11 charge offs on my account. 
One charge off is legal, multiple is not. I tried to resolve it with them and they were indifferent. 
I am still paying on this loan. It is on my other reports as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I applied for a modification with Wells Fargo last XXXX. I asked for a lower interest rate or lower monthly payments. I received a letter instructing me to do a Short Sale. 
I have a lot of equity in my condo so I felt insulted to my hardship. 

I am a XXXX year old XXXX to my parents XXXX & XXXX respectively.My dad is a XXXX XXXX XXXX Veteran confined to a XXXX  ... My Mom has XXXX XXXX  XXXX. 

I am legally XXXX since XXXX. I can not move them or leave them.We can not afford a XXXX home. 

When I initially applied I listed XXXX per month income. They denied me saying not enough. Then I included my parents and the figure became XXXX per month. They still denied me. They assessed my condo at XXXX as a 2 bedroom. I told them this is incorrect its a 3 bedroom and one just sold in XXXX for XXXX. They didnt change their 2 bedroom assessment. 

I can not work based on the above circumstances and can not move my parents. If it was just me I would sell but it is not and I dont know where we would go. I am not behind on Any Payments and My Credit Rating is Excellent. The problem seems to be Low Income and there is nothing I can do about that. I bought this condo for my parents in XXXX. I owe approximately XXXX on my mortgage with Wells Fargo.

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 2021-02-11 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: ID

Complaint narrative:
I was a member of a XXXX gym that closed down during COVID. I was still billed by the owner even though he told me he would freeze the account. I tried to cancel, and he charged me for another month, claiming a bogus " cancellation policy '' that I was never provided with. 

I disputed the charge, citing 15-US-1666i. The credit card company is refusing to credit the account, saying that the window for disputes is now over. I know that I have 1 year from the date of purchase under federal law. 

I did not receive the services from the merchant that were advertised. I want my account credited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The company is reporting an account on my Equifax report with 2 different account numbers and 2 different last activity dates. Also one account show delinquent and the other shows paid as agreed. I have called this company several times about this issue and I have also disputed this with Equifax. Equifax is not cooperating either. Its is against the credit reporting laws to reports duplicate accounts. The attached documents are marked with the incorrect information being reporting to Equifax. I will seek legal credit reporting assistance if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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 — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
For over a year now I've been disputing a charge on my credit report, with the 3 credit bureaus as not belonging to me. 

What happens is that the item shows on one credit bureau, I dispute and say it is not mine, it is removed and 2 or 3 months later the same item shows up on 2nd or 3rd ( different ) credit bureau from a different collection agency. 

This pattern is repeated until the item shows on each credit bureau. So I see the item on my credit, I dispute. It's removed only to pop up at a different credit bureau 2 months later. 

The debt is for a medical bill, from 2015 ( 5 years ago ) for {$220.00}. No phone calls have been made to me, no collection demand payment letters have been sent to me. 

My credit score has a result been bouncing up and down from good to fair or worse.

e.g. Last month my credit score went from a XXXX to XXXX ( 90 point drop ). 

Please let me know what I can do to stop this harassment. I called the collection agency this morning who is currently reporting this item the 2nd time this morning ( 1st call was approx 2 and 1/2 weeks ago ) only to be told that they are looking at the dispute. 

The name of the collection agency currently showing this item is XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX. 
Midland Credit - address?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2020 I applied for a loan with Amerisave to refinance an investment property. I paid my {$500.00} application fee and was told closing was taking longer, 60 days in most cases. After submitting all of the requested documents, my loan officer said they had all they needed and would proceed with the loan. Time moved on but I was aware it was taking longer to close loans due to the number of people applying. In follow-up emails and phone calls I was told everything was on track. There were problems with the Amerisave portal requesting the same documents I had already submitted and requesting I fill out multiple applications. The loan officer fixed those issues. Eventually I stopped hearing back from my loan officer even after sending multiple emails and phone calls. After calling the customer service line, I discovered my loan officer had changed. The new one assured me my loan was still headed in the right direction but I would have to submit all of my documents again! At this point it is XXXX and I am starting to worry about the 0.5 % government fee for refinancing. No one at Amerisave could tell me if I would be subject to that fee or not, only that we would close before then. XXXX comes around and I call customer service again since my loan officer is MIA. They get ahold of the loan officer who tells me I need an appraisal. Well I was told, and have in writing, that an appraisal would not be needed. I send him the e-mail from the first loan officer indicating an appraisal was not needed. I let the new loan officer know I am fine with an appraisal but wanted to know why one was now needed. He said the terms of the loan had changed but could not tell me how. I also told him I didnt see why I would pay {$500.00} for an appraisal when told in writing I didnt need one. He never got back to me. I again called customer service who put me in touch with the loan processor who again wanted me to submit the same documents I already had THREE times. She also said I needed an appraisal but could not tell me why or what loan terms had changed. She said she would talk to the loan officer and his manager to get it worked out. I sent her and the loan officer an email just to have a paper trail. Never heard back. Over the holidays I didnt worry about it. But come beginning of XXXX my loan application has been denined for incomplete information and credit denial. I have an XXXX credit score and I had provided all the documents multiple times! No one contacted me that yet more information was needed nor to follow up with me on why and how the loan terms changed. I feel Amerisave is running a bait and switch. They get people to apply, eagerly take their money, but then dont do anything with the loan or change the terms without explanation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Midland credit management is proceeding with a lawsuit without providing me verification of the debt. I now have 2 pending court cases in the State of Missouri. I have asked two separate times for the debt to be verified, once on XX/XX/XXXX and on XX/XX/XXXX. To date, I have not received verification and the lawsuits are active. 
Missouri Court XXXX and XXXX Missouri court website XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have been making my mortgage payment online and have never delayed my payment. However, in XXXX my mortgage processer " fifth third bank ' notified the credit agencies that my XXXX and XXXX payments were late, They did it the same again in XXXX XXXX and XXXX. In both instances, I was traveling overseas for over six months and I had no knowledge of the change in escrow on my mortgage, which apparently increased my payment without my knowledge. I have subscribed for the online statement with Fifth Third Bank, yet in no time did Fifth third bank Notify me of new payment in email as a result of the change in escrow. I tried to log in to Bank 's website while overseas but I was frozen out of my account. Despite that, I had paid my total mortgage payment for those two months in both instances through online banking payment on time, minus the escrow difference. In addition, In XXXX, I was stuck overseas from XXXX to XXXX XXXX due to covid. Since I returned to the US in the first week of XXXX and discovered these discrepancies while checking my credit on XXXX XXXX, I made several attempts to call the Fifth third bank to resolve the matter but they are giving me a cold shoulder. My question to CFPB is, should I be penalized despite making my payment on time? Why should I be penalized when the bank failed to notify me and didn't allow me their web access that would have allowed me to see new payment after escrow changes?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient is reporting that my account has missed nine payments. This is a federal government loan that was a part of Sallie Mae. Navient is not honoring the federal extension for 0 % interest and suspension on payment. I filed for a Income Driven Repayment Plan being that I am in the poor status since acquiring this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
Many times in many places many XXXX  members ID have been refuse and they had emergency to send money to family members in other countries. They have been dicrimanted against. This ifs fraud against a XXXX  American and agasit the law in the United States for Amaerica. This has happen in Ga.Fla. Md. and now we have file a complaint be fore but was lost. We have tried to speak direct to Mr XXXX CEO and have sent certifies letters to him but he has never respond now it is time to lien and sue them for the fraud they have done to our XXXX  members. We have ask for there w-4 from for the irs. also to file complaint no answer. He has staff that are not letting him know many people are being service properly. and this has been going on in XXXX XXXX and XXXX XXXX out let stores.I am the Attorney General for the XXXX  and I don't like our XXXX  members not being service at all. PLEASE USE XXXX THERE OTHER ONE DOES NOT WORK

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am working with XXXX  on removing some accounts off of my credit reports due to me winning a case with a lawyer. XXXX has been trying to get them to contact me and I have received nothing so the process is now taking almost a year and it still is not complete. Multiple attempts have been made to removed them, with proof and they will not budge or communicate with me with their findings as they should. I have tried to make my own disputes and nothing has changed. I am not sure what else to do or how to have these items removed immediately. As I stated this process was started almost a year ago and it should not take this long.

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 2021-02-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Personal information on the below accounts are false. My information needs to be verified : Name, Social security, Address, Balance, Account number, Identifying the original creditor, Provide me with your license numbers and Registered Agent or Agent of Service. 

BK OF AMER Account Number : XXXX Account Number : XXXX Balance : {$15000.00}

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 2021-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
You are in Breach of the Arbitration Clause in the said contract by sending the debt to a collection agency. Since the contract has been breached, I demand removal of this account. 


To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company [ {$6300.00} ].

This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/2021. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

I require compliance with the terms and conditions of this letter within 15 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was notified yesterday that all 10 of my Synchrony Bank credit cards, both store cards and mastercards, were closed on XX/XX/2021. The agent said it had nothing to do with my pay history. I am a long-time ( decades ) customer of the bank. They indicated that they closed all of my accounts because I had too many account open with them. I had 10. I had just applied for a XXXX Visa card last week with them. They approved the account with a {$4000.00} credit limit. I have not even received the card in the mail yet and they already closed that card along with the other 9. Why wouldnt they just not approve my application if they know internally that when a customer hits a certain number of cards that it triggers the closure of all accounts. I have a perfect pay history with this bank. No warnings were given at all. This is very bad business. How can they extend credit and then rescind it before the card ever arrives? Does this mean I can never have another card through Synchrony Bank? Am I banned from applying for another card? I attempted to apply for one that was closed but it would not let me because it still recognizes that I have an account with a balance on it even though the account is fully closed. I intend to pay all of them off. Some of them had no balance on them. Ive never heard of this happening. Can they do this me when there is no negative history on these cards? If this is how they operate I would like to warn other consumers that they need to be very careful if they have a bunch of cards backed by this bank. They could shut them off at any time with no warning at all. You will still have to pay off all of your balances. But the law should not allow this to happen. It seems like a breach of contract somehow.

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 2021-02-11 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My card is frozen and I want the balance mailed to me by check and Bank of America is not helping resolve my issue telling me EDD ha not contacted them, but that is unlikely because I watch the news and I verified my identity already.

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