vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
As soon as we were affected by COVID-19, I called my mortgage company SPS on XX/XX/2020 ; I went into detail about our impact were all to be furlough due to the closures that COVID-19 caused and that I will not be able to make my XX/XX/2020 payment. 
I asked if SPS can assist in helping me with a deferred payment option until we went back to work will be sometime in XX/XX/2020. I spoke to the SPS representative, and she took down all my information. Weeks letter I received a letter from SPS stating that I was placed in a forbearance plan, and by XX/XX/2020, I needed to make a balloon payment of XXXX. 
I called again XX/XX/XXXX and explained I would not be able to come up with the balloon payment and asked how are they assistance with the COVID-19 situation? They asked me to submit my last paystubs to their online system, which I did. I applied for financial aid due to COVID-19. I was told to call again in a few weeks to know the status of my application. 
I receive another mail stating that my load is now in forbearance program and that I needed to make the arrangements to pay the balloon payment. Again I call SPS XX/XX/XXXX asked them about the letter they send me. SPS said that I needed to wait until the three months to see what plan I qualified to call at the end of XXXX. 
They said I could not qualified for the Financial Assistance program because my account was past due. 
Called XX/XX/XXXX, was told to go to the website and fill out more questions. I did not find the questions, called SPS XX/XX/2020, the agent went over the questions with me, and told again the only program available is a Foreberance plan with a balloon payment of XXXX. During my conversation with SPS representative, I stated I could make my monthly payment of {$1200.00}, but I can not come up with the balloon payment. 
SPS stated that's the only option I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
A collection agency named SCA just reported a {$120.00} collection account on my credit report. I had no contact from SCA in any way, before they blindly placed this account on my report. They are supposed to notify me, and give me 30 days to answer for it, before reporting this. However, they did not gave me that opportunity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been sending documents to the Transunion since XXXX, asking to delete a fraudulent account ( XXXX ) that should not be on my credit report and all they been replying is that the documents I sent did not look like it was sent by me, however, with those same documents they received from they were able to verify my identity to delete other incorrect items on my report. It has been well over 60 days and they have not respond this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I went to XXXX XXXX in XXXX applied for the store card, and was given a credit limit of {$500.00}, I made a purchase that day {$75.00} & was waiting for my store card in the mail, I hadnt received it yet after several weeks so I called & had XXXX XXXX confirm address which was incorrect & they had sent the cc there. I asked that card be canceled & new one issued. After that I finally received my card & making monthly payments every time I tried to use my card it was declined. Long story short, I have not been able to card purchases so I called XXXX  XXXX customer service & they said I had no restrictions, I was never able to use the card to this day ( present day XXXX ). Any purchase I make at XXXX  XXXX is in cash. I make monthly payments & Comenity Bank & I have spoke with them & they are very rude ( customer service ) I have had my XXXX  XXXX card for more than 2 years to date, my balance is over {$300.00} balance. How can I have a high balance like that if I cant use the card, I pay monthly & Comenity Bank tells me, when I speak them that I dont make payments. I know XXXX XXXX is going out of business too. This unfair to me I have been paying for my card & I cant even use it, for many years. I have an example that something isnt going right, before the Pandemic hit I paid XXXX minimum payment & on my bill reflected on my due date I paid it on time & a late fee was charged, I called Customer service @ Comenity Bank told me I was suppose to pay Double that. I hope someone can help me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
Selene Finance Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Selene Finance has received a complete package, including the buyers Drivers License to clear the OFAC requirement. They have even submitted the package to their investor for review. Yet, they are refusing to postpone the auction. 

**************This is dual tracking, and it has been determined that this is a violation of Regulation X. XXXX has already been fined for this exact behavior. See highlighted section on page 2 of the attached CFPB release dated XX/XX/2020. 

******The precedent has been set that refusing to postpone a foreclosure auction while being in receipt of a complete package is a violation of Regulation X. Therefore I want the foreclosure date to be postponed so that the investor may have time to review the package submitted to them by Selene. 

-- -- -- -- -- -Additionally, we have not been allowed to speak to a human being at this company. We are forced to leave a voicemail, and have not gotten return calls from Selene. This is a violation of the SPOC guidelines and servicing guidelines set forth by the CFPB and the State of California. 


-- -Also attached is my Third Party Authorization Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Spoke with XXXX at Clarity Services and it was necessary for her to have one more additional piece of documentation. To be clear, I am requesting this report as I have had 2 other consumer reporting agencies include erroneous data - addresses, numbers etc on my report. I aim to remedy that and dispute anything that is not accurate within the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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 — Card was charged for something you did not purchase with the card
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
States that I had been issued a credit card. I do not have a credit card nor have I ever applied for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: NC

Complaint narrative:
A collection agency named Phoenix just reported a {$790.00} collection account on my credit report. I had no contact from XXXX in any way, before they blindly placed this account on my report. They are supposed to notify me, and give me 30 days to answer for it, before reporting this. However, they did not gave me that opportunity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( TU ) Names : XXXX, XXXX XXXX ( TU ) Names : XXXX XXXX ( TU ) Address : XXXX XXXX  XXXX ( TU & XXXX  ) Address : XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  ) The following items are reporting as a result of Identity Theft : XXXX XXXX XXXX Date Open : XX/XX/XXXX ; Bal : {$59.00} ( TU, XXXX, XXXX  ) XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( TU & XXXX  )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: NY

Complaint narrative:
These 2 accounts : XXXX  with a balance of {$16000.00} ( Opened XX/XX/XXXX & XXXX XXXX {$23000.00} opened back in ( XX/XX/XXXX ) Not only are these accounts more than 7 years old, they were not opened by me! They must be removed immediately! This is inaccurate and false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi. I will attach photos later of the Chats I have had with Citi. I also spoke with an agent in early XXXX to boot. Their handling of my accounts has been atrocious, esp during the pandemic. I have stayed on top of all 3 accounts I have with them, however they allowed one to report 30 days late to the credit bureaus. I need help with all 3 bureaus to have this deleted/reversed.

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 2020-07-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Wells Fargo advertised Covid Relief, my mortgage went into a 3 month forbearance to end XX/XX/XXXX. They refused to make arrangements to alter loan until XX/XX/XXXX, leaving payment due XX/XX/XXXX. Until this time no payment toward XXXX mortgage could be made without triggering 3 months payments due in full. ( it took 3 hour+ phone calls and escalation for them to even admit this ) I am now today, XX/XX/XXXX blocked access to my online account in order to make the payment due. I've called the number on the screen, got transferred ( they say mistakenly ) to brokerage services who could not help me and said I had to go back to the online banking number. Guess what, you get to go back to the end of the hold line! Still on hold 32 min. later. This is clearly a concerted effort to force customers to miss deadlines and incur fees and catastrophic financial consequences. I'm able to navigate hours on the phone, but we all know most don't have the wherewithall. I've been able to use my husband 's online access to make my payment. However, there is no option to set up auto-debit payments going forward and no direction or search item available to let you know what to do. I'm calling again now ... .. 
Wells Fargo wants you to miss payments, there is no other possible explanation for these shenanigans. If I could choose a servicer I would NEVER choose them.

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 2020-07-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This occured on XX/XX/2020 in the amount of {$180.00}, I had sent a payment via XXXX  and it went to an inactive hacked account. As soon as I realized the issue I called my bank immediately since the funds were still on hold on XXXX  and hadn't been accepted so there was still time to do a chargeback. But I was told by my bank I would just have to wait until it falls of XXXX and return to my account. I was very frustrated not knowing who to seek because it is hard to get in contact with a XXXX   rep, I finally got in contact with XXXX  and all they told me was they can't access any of their accounts and reverse any transactions. Well today XX/XX/2020 whom ever had access to that account realized there was money pending, denied my refund and took the money that didn't belong to them! Nobody did anything but tell me there was nothing they could do!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Each charge off and collection account was paid balances are {$0.00}. In addition the collection agencies sent payment confirmation letters to the bureaus requesting the removal of the collection accounts. It has been over 45 days and the accounts have not been removed from my credit profile nor has the balances been updated.

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 2020-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
My loan was paid off XX/XX/2020 and when refunding my escrow they deducted an additional PMI payment for XXXX. As per my previous complaint, by their very response the XX/XX/2020 double payment covered XXXX and XXXX. The other PMI payments were as follows : XX/XX/2020 for XXXX, XX/XX/2020 for XXXX and XX/XX/2020 for XXXX. As with previous complaint in addition to this one, I have requested a full audit of my escrow account, they only provided through XXXX and it was in a statement form. Additionally, they answered in an email without documentation. On XX/XX/2020 I requested information on why there was a XXXX PMI disbursement when the loan was paid off in XXXX. Finally, on XX/XX/2020 they responded with a document date XX/XX/2020 which does not account for XXXX whatsoever. I also requested a full accounting of my entire mortgage payments etc and those requests have been ignored. The account was paid in XXXX, they can and should provide a full escrow accounting through the end of the account. Lastly, they now state that PMI is paid in arrears. This was never disclosed and there have been many questions and email which they barely, if at all, answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: Midwest Recovery Systems
State: VA

Complaint narrative:
Complaint Details This company is on my Credit report saying I ow them {$760.00}, i called the creditor XXXX says i dont owe them anything. I am on unemployment because of the Covid19, im already stressed out, dont want to be harrassed, and want them off my credit report please. Thankyou very much. And if you find i owe, I can settle for {$300.00}. 


This message originally read on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX THEN I CONTACTED THE XXXX XXXX XXXX, THEY DID HEAR ANTHING AND TOLD ME I ALSO CAN CONTACT YOUR OFFICE. 

Dear XXXX XXXX : Thank you for contacting the XXXX  XXXX XXXX.This message is in regards to your complaint submitted on XX/XX/2020 against Midwest Recovery Systems, LLC.. Your complaint was assigned ID XXXX. 

Now that I have filed, what is the next step? 

We have accepted your complaint and have forwarded it to thebusiness for their response. We have asked the business to reply promptly, butsome disputes may take  longer than others to conclude. Please be patient as we work to ensure thatyour concerns are addressed. 
What if I do not agree with the response from thebusiness? 

It is important for both parties to maintain realisticexpectations and respond in a professional, fair and courteous manner. Our goal is for you and the business to beable to work towards an amicable solution. Should this prove difficult, we mayoffer you and the business the opportunity to participate in mediation orbinding arbitration. More informationabout these options can be found at XXXX What happens if a business does not respond? 

The XXXX  will make every effort to obtain a response from thebusiness, but some businesses simply do not ever contact us. The XXXX  is not an enforcement agency. Wecannot compel a business to respond. However, failure to do so may result in anegative impact on their XXXX  rating, which may drive away future customers. TheXXXX   can also refer you to other agencies that may be able to assist you, depending on the specific nature of your complaint. 
Feedback from consumers is vital to XXXX. We appreciate yourwillingness to report this information to us. We look forward to helping youand the business work toward a resolution. Please do not hesitate to contact mewith any additional questions or concerns. 

Sincerely, Dispute Resolution Department XXXX XXXX XXXX XXXX XXXX Fax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020, My Capital One credit card and XXXX XXXX debit card were used at a XXXX XXXX  store without my knowledge. I received texts from both card companies ( XXXX XXXX and Capitol One ) with suspicious activity. My XXXX XXXX card was used 3 times, and the Capitol one Card was used twice in the same day at the same store. 

I didn't know at the time but my card was stolen, and so as soon as I got the alerts from both companies via text, I replied to the texts sent from each, that I did not make the purchases. My Capital One card was cancelled, and they sent me a new one. The chargers were refunded. 
XXXX XXXX accepted the 3 charges as fraudulent. The charges were canceled and refunded No further action was needed. 

On XX/XX/XXXX Capital One added the 2 charges back on to my account, and said after their " honest and thorough investigation '' it was found that the card was not stolen, and I had used the card. I tried to explain again that two different cards were charged 5 times in one day at the same place, and that Capital One themselves alerted me to the suspicious activity. I asked how they came to this conclusion and they would not explain. 

My complaint is not so much that I have to pay, but that Capital One advertises how important their Fraud protection is. I did everything they asked of me, I replied NO to the text, I called the company right away to report it, and I cancelled the card. I am a loyal customer with more than one account with the company, I pay my cards on time, and I expect more from them. I am very disappointed, and in this economic time every bit counts. I am frustrated that I should have to pay for this, and that the company did not live up to its bold statements of protecting its customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
When I learned of my identity being used for an apartment complex called XXXX XXXX XXXX due to the credit notification from XXXX, I immediately began calling I.Q. Data International to resolve the issue which was XXXX of XXXX and requested information from them. There was an apartment leased under my name in the year XXXX. The letter I've received from them was handed to my local police department to amend to the police report. I've submitted information to I.Q. Data such as my state issued drivers license, proof of address being my current apartment ledger which my lease begin in XXXX up to this year of XXXX, utility bill and police report that was filed to remove the collections from my credit which amounted over {$7000.00} which was the result of identity theft. This company refuses to remove the collections from my reports which a representative stated that the information I submitted to them was not enough information. The gentleman also stated that I needed to file an entirely new police report at that apartment complexes local police department. However, I've spoken with my local police department here in XXXX XXXX  and the XXXX XXXX  department which personnel from both institutions stated that is not the process. In fact, personnel at my local department thought it rather unusual how I was asked to take such actions as my current report filings with them is still an ongoing investigation. In addition, an investigator from the XXXX Police XXXX XXXX XXXX even stated that I can not file with them since I am not a resident of their area nor was I ever. I do not understand how a state issued license and proof of address along with a provided police report is not enough information to prove that this was the result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief