vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: CA

Complaint narrative:
In early XX/XX/2020 I reached out to Gregory Funding for mortgage loan assistance related to the Covid19 pandemic. I was offered and completed a loan modification application. After some sporadic communication I reached out via fax in XXXX and XXXX to request a call back. I received a call that the application was in process. 

On XX/XX/2020 I received a letter that the modification was declined. 
On XX/XX/XXXX I requested the review the modification because the income information they verbally told me they used on the phone was incorrect. I sent the reconsideration letter on XX/XX/XXXX. XXXX XXXX was my single point of contact but they do not and have not provided me my SPoC 's phone or email address. 

On XX/XX/2020 I called in ( a Thursday ) I was told that the modification was approved and " I would receive details by the following Thursday at the latest ''. 

I have not heard or received anything since then. I've called and was on hold for 44 min and when I spoke to a rep I was again told someone would call me back with details. 

On XX/XX/XXXX I sent another letter again asking for an update on the modification as it's been 3 months. 
I sent yet another letter on XX/XX/XXXX again asking to please update me on the status of the loan, by mail, phone or any way at all. 

To date I have not heard anything back from Gregory Funding since XX/XX/2020. I do get the monthly statements but no update on the modification

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ascension Recovery Management
State: WI

Complaint narrative:
On XX/XX/XXXX, I received a call at my work, from XXXX XXXX saying she had to speak with me right away. I tried calling her back on XX/XX/XXXX and spoke with a XXXX XXXX who wanted my date of birth and social security number yet refused to disclose who he was and why he was contacting me. On their recorded line, I told him I am not to be called at work, I dont know why they are calling and It sounded like a scam so I ended the call. 
XX/XX/XXXX XXXX XXXX calls me at work again and leaves a message. After work, I call her back to have a bantering conversation with her and she told me the last 4 digits on my social security number, by saying the first and third number were the same, I said yes and she then identified herself as a debt collector for Ascension student loans for my non payment of over {$200000.00} in student loan debt. I told her this was a case from XXXX of identity theft and the first part of my SSN is NOT matching their records, the other persons birthday is in XXXX and the debt is not line and to never contact me again. She said she can contact me. I told her I dealt with this claim with the CFPB and she started getting nervous. She is with XXXX XXXX XXXX, XXXX. XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: CA

Complaint narrative:
It has come to my attention that payday loans and installment loans are prohibited in my state ( California ). Therefore, the loan contract that I have with Better Day Loans, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. However, a breakdown will be provided of what has been paid on the loans to XXXX XXXX. 

Currently, I have received {$2400.00} installment loan effective XX/XX/2020. I had paid 7 payments in the amount of {$290.00} and 1 payment for {$370.00} totaling {$2400.00}. My loan should be voided as I have paid the principal amount back in full. I have also several loans before this and have a made an overpayment that should be due back to me for {$750.00} XX/XX/2020 received a loan for {$2400.00}. Payments made to this loan {$2400.00} XXXX XXXX received a loan for {$1100.00}. Payments made to this loan {$1400.00} XX/XX/2020 received a loan for {$1500.00}. Payments made to this loan {$1700.00} XX/XX/2020 received a loan for {$1500.00}. Payments made to this loan {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Reverse Mortgage Solutions, Inc.
State: WA

Complaint narrative:
Hello, This could also be under XXXX exploitation during a healthcare crisis. My dad signed on with Reverse Mortgage Services in the fall of 2014 right after his son died in the home on hospice and his wife died a year prior in the home on hospice as well. After my younger brother died in the home my dad also began to have symptoms and later that fall discovered he had XXXX XXXX He began XXXX that summer into fall. Somewhere inbetween his diagnosis and his XXXX XXXX began phone calls in the area and my dad was confused from XXXX and beginning signs of XXXX and lonely. He felt the salesman was like a friend. I didn't get involved until it was too late. My dad was stubborn but his confusion was evident and he also contracted another XXXX after beating the XXXX XXXX. His second XXXX was XXXX. He got much worse. I stepped in and came over when I could. I covinced him to do a durable with me and so I began to look into his many financial problems. XXXX was sent my durable POA which was drafted by an attorney. They refused to speak with me and charge my dad fees. I was working in the medical field and trying to also get my dad on VA benefits. My job was jepordized numerous times due to the stress and all the faxing and paperwork trying to stay on top of things. I hired a caregiver to live with my dad but still not having any luck with fees. I paid taxes and set up insurance on the home. I found out that they had hit my dad numerous times with insurance fees because they did't bother to verify the insurance was still in effect. Many threatening letters came but no information as to why. Then I decided to buy the house. At closing they slapped a {$1000.00} fee for an appraisal which I did not order. Plus another {$3500.00} estimated by the closing department. My loan was approved for $ XXXX less than the additional anticipated closing charges they slapped on my dad and I was never sent anything in detail until up to closing which is tomorrow. I still don't know what the other fees are for and why they were taking advantage of my dad like this. I sold my land in Idaho which I lost money on to buy my dad 's house so he could continue to live there. These people are predators who took advantage of a sick and desparate old XXXX war vet and they should be held accountable. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed a loan XX/XX/XXXX Company Name XXXX XXXX, Balance XXXX and it was found to be in my favor XX/XX/XXXX and it was removed and all negative things with it .Then i notice it back on my account XX/XX/XXXX then i called transunion at XXXX on XX/XX/XXXX to inform them that i was not notified about the information getting put back on there 5 business days, and i also informed them that under FCRA section 611, they said that it's not what they do they can't remove it and ill have to wait till XXXX till it falls off. Disregarding the law and choosing not to correct the problem.

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 2021-02-10 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: CHECK INTO CASH INC.
State: IL

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CHECK INTO CASH Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2019 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Capitol One not being able to verify the account numerous of times nor provide any type of proof I would like this removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX, it is not a duplicate complaint if I have yet to receive my request or answer to my complaints. Do you agree? I am requesting the credit report that was pulled in my name on XX/XX/2017. Can you, as XXXX XXXX, send or at least explain why you are not sending the credit report that was pulled in my name on XX/XX/2017? In addition, I am requesting why XXXX XXXX views the attached application is acceptable as complete when it is undated. Please answer. Transunion and XXXX, please answer if the attached application from your client, XXXX XXXX, is acceptable for you to supply my credit report 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 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I called my bank chase and they said that they can't do nothing to get my money back or stop the transfer of my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: MA

Complaint narrative:
At XX/XX/XXXX I did 3 different transactions using the app Xoom, sending money to XXXX. The money was expected to be in the recipients bank accounts at the same day. But today XX/XX/XXXX, XXXX XXXX, the money isnt still in their accounts. 

The first transfer I did at XXXX XXXX  Amount : {$200.00} Receipt # XXXX The second transfer I did at XXXX XXXX Amount : {$100.00} Receipt # XXXX The third transfer I did at XXXX XXXX Amount : {$120.00} Receipt # XXXX When I went to their website to cancel the transactions, I couldt do anything. The site has a message saying that they are making improvements to their site, that we may expect delays and dont do anything else. So something its not right. I have been using this app for more than 2 years and it never happen before. The money used to be transfered at the same day. So something very wrong its happening with Xoom. Be aware and alert other people about. And I want to cancel those money transfers. 
I hope this institution can help me. 
Thank you, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10 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: SC

Complaint narrative:
I called out to Experian at phone # ( XXXX ) XXXX on XX/XX/XXXX I spoke with a representative by the name of XXXX in the dispute department, I explained to her that I sent in a dispute letter to Experian dated for XXXX XXXX she confirmed Experian received the dispute on XX/XX/XXXX, I ask them why did they not delete the accounts I disputed, she advise me to give them a example, I said I Disputed a account with XXXX XXXX XXXX account # XXXX and instead of Experian doing investigation she advised they notified XXXX XXXX XXXX which gave them the right to update the account instead of doing there own investigation and finding it to be inaccurate to delete the account, she advised me that the account can not be deleted if even if its inaccurate according to FCRA , she advise the only way for the account to be remove is the creditor must send in a delete letter. This is very inaccurate according to FCRA.

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 2021-02-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is for my Chase JPMBC credit card. Account number, XXXX ... The amount owed on XX/XX/2020 was {$3800.00}. This was when the XXXX XXXX struck America and my company shut down, I was also XXXX with XXXX in XX/XX/2020. As soon as my company paid me and I was virus free I paid off the entirety of the amount that was owed. I have asked Chase Bank to look into the details of this and they have refused, I have offered to pay a fee to have it removed, they also did not accept that. This has affected me in many ways when trying to apply for a loan and a mortgage. I have paid every credit bill on time since that date and before that date. I am asking for a little relief due to the XX/XX/XXXX striking down my work and myself. I did my best to pay the bill asap, am asking for some goodwill as I have and will continue to be an on-time paying customer. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report with National Credit Systems, XXXX, XXXX and XXXX. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
Didn't have the funds available. Tried to get the company to stop but the refused. Account is now XXXX negative and they continue to try and withdrawal and bank wont close account until I pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In addition to continued multiple complaints with Consumer Financial Protection Bureau, please accept this as intent to also file complaint with FTC against XXXX XXXX XXXX XXXX President 's Office, XXXX, and Transunion as conspiracy to evade the Fair Credit Reporting Act. The attached undated permission is viewed as complete and acceptable permissible permission to be used once if not multiple times to access my credit and private information repeatedly ; time after time. Transunion, XXXX, and their client, XXXX XXXX XXXX President 's Office, believe an incomplete document without date is unnecessary for permissible permission to access American 's Private Information.

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 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX  and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2020 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Amsher Collections ( XXXX ) not being able to verify the account numerous of times nor provide any type of proof I would like this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10 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: CA

Complaint narrative:
This is for my XXXX XXXX credit card. Account number, XXXX ... The amount owed on XX/XX/2020 was {$3800.00}. This was when the Covid virus struck America and my company shut down, I was also diagnosed with Covid in XX/XX/2020. As soon as my company paid me and I was virus free I paid off the entirety of the amount that was owed. I have asked XXXX XXXX  to look into the details of this and they have refused, I have offered to pay a fee to have it removed, they also did not accept that. This has affected me in many ways when trying to apply for a loan and a mortgage. I have paid every credit bill on time since that date and before that date. I am asking for a little relief due to the COVID virus striking down my work and myself. I did my best to pay the bill asap, am asking for some goodwill as I have and will continue to be an on-time paying customer. 

Respectfully, 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 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for a home loan. My lender told me I was deceased. I then called equifax to get it resolved so I can finish purchasing my home. Its been over a month since I first called. I called over 30 times and sent them three faxes with my information. Its still yet to be resolved. Its staring I have absolutely no credit history or anything. I still use my credit cards daily

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
i disputed 3 bankrupcy filings on my credit report. they told me to contact XXXX XXXX to dispute the report. i did and XXXX XXXX told me they would correct the matter and remove the information on my file. i notified experian and they keep saying that the information has been verified. I sent them the letter from XXXX XXXX stating they would remove the information and they ignored me. i asked them of proof verifying what they claimed and they just said that XXXX XXXX verified the information. i contacted the bankrupcy courts clerk and they informed me that they did not verify the information reported. 

this has caused adverse reaction. i was denied credit multiple times and in the instances that i was approved for credit it was at an exesively high interest rate. 

please correct this matter

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 2021-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am repeatedly receiving phone calls that are not going to an actual agent. The calls are silent. 

The calls are daily and several times. There's no one on the other side, just silence. The calls have become VERY intrusive. 

I have attempted to speak with the billing department to discuss my payments. I have explained in unemployed due to COVID and need different payment arrangements. 

They refuse to take partial payments as I receive unemployment payments. I have attempted to receive assistance from someone at a branch with no success.

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 2021-02-10 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:
On XX/XX/2020 you responded to my request for reinvestigation with " They responded and verified that the disputed information was accurate as reported. '' Please supply the METHOD OF VERIFICATION used.

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