vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Franklin Credit Management Corporation
State: CT

Complaint narrative:
In 2012 i applied for a HAFA short sale with the primary mortgage holder and Franklin Credit Management the primary mortgage holder approved the short sale, a couple of months go by and Franklin Credit would not give an answer at that time the potential buyer pulled out. The house then went into strict foreclosure XXXX XXXX with a law end date of XXXX XXXX. I have experienced what seems to me as harassment from Franklin Credit Management Corporation. Franklin credit has not been showing up on my credit report however I received a letter in the mail stating the amount that was old as well as well as a certified letter on XX/XX/XXXX giving me 30 days to contact them. On XX/XX/XXXX they sent someone to my home two deliver a letter to me stating to contact them with their phone number in that letter. I am asking for your assistance as soon as possible with any help you can provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I wrote the company multiple times and the matter as not been resolved. They stated the information was verified but it couldnt have been because its not accurate and I have no knowledge of those accounts or inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I wrote the company multiple times and the matter as not been resolved. They stated the information was verified but it couldnt have been because its not accurate and I have no knowledge of those accounts or inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear sir or madam, I am attempting to close my BBVA checking and savings accounts since they were migrated from Simple, and now evidently they're a part of XXXX. 

I attempted to close my account via their XXXX on Monday, XX/XX/2021, and when the associate answered the phone they told me their systems were down, and they couldn't access my account. 

Today, I looked at my latest statement ( dated XX/XX/XXXX ) which clearly states they are available by phone 24/7 ( see attachment 1 ) An audio recording states that due to COVID they are not open 24/7. COVID has been ongoing for over a year. Why haven't they updated their standard forms? 

I then tried to close my account online, by signing up for online access, and even though I entered all of my information correctly ( see attachment 2 ), I received an error ( see attachment 3 ). 

I would like to close my checking account, which has a XXXX balance, and my savings account, which as of my statement, has a balance of {$50.00}. I would like this issue rectified immediately. 

I didn't ask for my accounts to be migrated from Simple to BBVA, and soon-to-be XXXX. 

BBVA clearly has technology problems. Not only that, they have stated misleading and incorrect statements on customers monthly statements. Clearly they are putting profits ahead of customer service. This is unacceptable. 

I request your office 's help in remedying this issue. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: NJ

Complaint narrative:
I submitted a complaint thru the CFPB to Experian, and in return Experian 's response is that there is a third party. I am not third party, I am a person. I give CFPB and EXPERIAN, authorization to proceed with my claim of Identity theft.

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 2021-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: WI

Complaint narrative:
On XX/XX/XXXX, I incurred a {$38.00} Late Fee from PNC Bank ( Ex. 4 ) as a result of its faulty auto-pay system. I had previously received a credit for a late fee on XX/XX/XXXX, ( Ex. 1 ) due to its deficient auto-pay system which was refunded on XX/XX/XXXX, ( Ex. 5 ). PNC Bank contends that because they had refunded one late fee, its policy prohibits it from issuing another late fee notwithstanding its deficient auto-pay system. 

I have had several conversations with PNC 's representatives regardings this issue to no avail ( Exs. 11-12 ) ; indicating that its centralized system prohibits it from issuing more than one late fee refund within the calendar year notwithstanding bank error ( deficient system ) [ Exs. 10-10a ]. PNC Bank deficient auto-pay system treats an auto-payment as an external transfer, but not for an indefinite period. And, once the auto-pay expires, you have to reinstate the transfer all over again. When, I reinstated the auto-pay on or about XX/XX/XXXX, with the help of its representative that refunded the first late payment, it was set up for the wrong date, i.e., for the XXXX of the month when it should have been set up for the XXXX of the month when my payment was due ( Exs. 4a- 7 ). However, its deficient auto-pay should have rejected the XXXX or made it early 28 days before it was due, nevertheless, the deficient auto-pay system accepted this day and charged me another late fee defeating the purpose of the auto-pay. 

After going around and around with PNCs representative ( middle and senior levels ), I was unable to secure my {$38.00} refund for the late payment. Compare XXXX XXXX  auto-pay system to PNC 's auto-pay system which is more user-friendly ( Exs. 10, 10a, 13 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA

Complaint narrative:
I was awarded two grants from a company called XXXX based out of XXXX, PA to help pay mortgages of families who have been behind from the pandemic. 
They sent two checks paying {$1500.00} each of my {$2300.00} mortgage payment. 

After 30 or so days of my mortgage account not being updated to account for the payments, someone reached out to me and said that they were able to locate one of the checks for XXXX and that the other was possibly submitted to another XXXX XXXX because it didnt have my loan number but that they would rectify the issue. 

On their website it is very difficult to submit a payment that is not in the full amount, whether one-time payment or recurring. I did submit a payment for {$700.00} and was notified later that this calculation was wrong and that I still owed XXXX something dollars. I couldnt Pay this on the website and had to send a money order to do so. This was very inconvenient at the time but I still did it and now they are saying they didnt receive that either. 

That has resulted in me being penalized on my credit report as the first ever late payment. My score went down 60 points. 

I have even had email communications with all parties and my mortgage company fails to give me the proper account credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
I tried to pay my mortgage off with Select Portfolio Servicing online and called when I was unable to. I was told they would sent a payoff statement with final amount and payment procedures. I received that letter XX/XX/2021. I went to the bank on XX/XX/XXXX, purchased a bank check in the exact amount the letter stated, mailed the payment with a copy of the payoff statement overnight. My tracking information confirmed they received it on XX/XX/2021. The payoff quote was good through XX/XX/2021. 
The payoff quote consisted of a small mortgage balance of {$180.00} and " other fees '' for a final total of {$1800.00}. I have been receiving phone calls and letters from Select Portfolio Servicing since XX/XX/XXXX because the {$180.00} amount was never applied to my account. SPS has been aware of that error since XX/XX/XXXX. 
To date, they have sent out an Early Intervention Notice on XX/XX/XXXX which led to people contacting us wanting to buy our house which is not for sale. On XX/XX/XXXX, they sent a State Required Information Notice. 
I am worried about our credit rating at this point and have no confidence in resolving this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Sir/Madam, Please see attached for my letter sent to Citi Credit Card company regarding the trip booked thru XXXX but got canceled due to the COVID19 pandemic. Below is a portion of my letter : " Case ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : It was nice talking to the Citi customer service representative on XX/XX/XXXX regarding the charges to my credit card account. As requested, I am writing this letter to provide more information. 
Back on XXXX XX/XX/XXXX of XXXX, I booked thru XXXX for my big family to go to XXXX XXXX XXXX, XXXX for a vacation in XXXX of XXXX. But, due to Corona virus pandemic, it was cancelled and XXXX gave us credits to use for when we are allowed to travel again. 
As California reopens for business and we are planning to travel again, On XX/XX/XXXX I called XXXX to use credit vouchers for our upcoming vacation, but the XXXX customer service representative did some research and told me that we can not use the credit vouchers as the airline that issued them is no longer operating and he advised me to dispute the charges with the credit card company. '' And this is a portion of the letter the Credit card sent to me : " This letter is in regards to your disputes with the above merchant for {$420.00}, {$460.00}, {$460.00}, {$460.00}, {$420.00}, {$420.00}, {$420.00}, {$410.00}, {$410.00}, {$460.00}, {$420.00}, {$420.00} and {$460.00}. 
We have reviewed your disputes and determined we are unable to assist you due to the age of the charges. We needed your letter within sixty days from the first statement on which the transactions appeared. However, if you wish to pursue this matter, you may seek alternate means in which to obtain the credit you desire for your account. '' As it was my intention to use the credit vouchers to go on the trip again so there no reason to contact credit card company within sixty days of the the transactions appeared. Now that the airline is no longer operating so I can not use the service that I paid for and have to ask the credit card company to help and I think that the sixty days should be an exception in this case.

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 2021-07-25 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:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, and on days prior to and after XX/XX/XXXX, Capital One has continued to call and harass me about an alleged debt. Capital One has also made calls to me at very inconvenient times. Capital One has violated 15 U.S 1692d and 15 U.S 1692c ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2021-07-25 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: DE

Complaint narrative:
My complaint is with Experian Credit Bureau.I have verifiable court documents, proof from the agency ( Attorney General Texas Child Support Account number # XXXX ) reporting info. And it is opposite of what Experian is reporting. Experian is reporting my account as late on my monthly payments and shows XX/XX/XXXX. My payments for child support come out of my check weekly. I am submitting this once again Showing that all payments were on time and are current on monthly payments. Experian says they have verified it, but there is no way. I have submitted documented proof admissible in a court of law showing all my monthly payments have been up to date. They must correct this info or delete the derogatory info. They deleted it once only to put it back months later. It has hurt my ability to obtain credit. I have filed complaint with Experian 3 times always getting answer verified as the same answer. This is false info. I have submitted all documents proving my case. If they took the time to look at these documents.. They would see they are from the same agency Attorney General of Texas which they said they verified it with. And these show my payments on time with payment dates. which means they didn't verify it as true. And these documents are admissible in a court of law. Please help me as this info they are reporting for Attorney General Child Support account # XXXX is totally false. I am attaching all documents for you to see. I have asked over and over to correct it or delete it from my reports. They are violating the law. I ask that this be permanently deleted from my credit report. If it isn't I will retain legal representation to uphold my rights according to the fair credit act.. I have documents of payments being current that is admissible in a court of law. Once again if they would look at these documents they would see they are reporting wrong info. These are documents admissible in court of law which show my monthly payments up to date. Up to XX/XX/XXXX with no late monthly payments. I am also submitting copy my driver license for ID. Once again these documents show my monthly payments are on time which means they did not verify the payments as current. My social security number is in documents

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 2021-07-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong old addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
On Monday XX/XX/XXXX I received a mortgage delinquency letter from Essex mortgage. I called them and tried to get options to catch up on my mortgage or delay payments. 

The letter stated I needed to pay {$2800.00} plus late fees to avoid foreclosure by XX/XX/XXXX or call for assistance/options. I called and did a over the phone interview for options and the only options available were covid 19 assistance due to covid being one of the impacts of me not being able to make my payments. The representative on the phone said they no longer offer those options even though I qualified. I was advised he would send a loss mitigation application so that I can apply for other options. I never received and the website he provided for me to upload electronically for faster processing states that I am not eligible due to my current loan status. My payments are behind for XXXX and XXXX. 

I also asked if the late payment reporting on my credit can be removed solve it is the first one and was told I have to dispute it because they cant remove it but I still havent got that information on how to do so. I am needed help with getting my account back on track and possible payment deferrals, lower monthly payments or payment plan but the company hasnt been very helpful and my date is nearing for XX/XX/XXXX. I would like to keep my home and get back on track but they arent helping me so that instead I get debt collection calls from their company every second of the day threatening me and being very rude after Ive tried reaching out and sharing my financial difficulty. From what I read on FHA covid assistance is that its still available but I was denied and havent received any other Assistance timely to help my situation. The first day I got the letter I called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I used to have a checking account with Capital One 360. I used this account to pay bills and for daily expenses. I also used it to send money to a few people using XXXX, people that turned out to be crooks and scammers without me knowing their true identity and intentions. I submitted Charge backs for these transfers using XXXX. 
In short order Capital One closed my account without giving me any explanation or notice in writing or otherwise. Not only they closed my account they also took over my money. There are refunds sent to this closed account that the bank did not even bother to inform me. The bank has taken over my funds at this point with no explanation. 
How is it possible that when I open an account KYC is performed on my identity etc. However XXXX allows all kinds of crooks and scammers on their network without doing due diligence? How can it be that a bank can take over your funds with no explanation in this day and age?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: KS

Complaint narrative:
On XX/XX/2021 I contacted Great Lakes Borrower services to get information on compassionate reconsideration for late payments on a previously defaulted XXXX XXXX # XXXX. I was instructed to mail in supporting documentation and did so. I sent corroborating documentation showing not only was I on XXXX XXXX XXXX from work during the timeframe of the delinquency but I was also XXXX and without a working phone. This was shown in email correspondence with case workers from XXXX XXXX XXXX XXXX that they received a message that my phone was out of service when they tried reaching me. Great Lakes Borrower services agents told me that notification was mailed to my address that my loans were in danger of being transferred to collections but od be evicted from my apartment and therefore could not have received that notification. During the time I was XXXX I did contact Great Lakes Borrower services to try and apply for payment relief but was told there were forms that needed to be submitted to prove my financial circumstances had changed but without a permanent address because of XXXX or working phone or valid identification this was impossible given that correspondence would need to be submitted either by fax or scanner or email none of which I could afford since these services are not available free of charge in the city where I live. After submitting these documents I was told that even though the documentation proves my financial circumstances would have qualified me for relief since they were not submitted prior to the loan default then no consideration would be given. I asked why that might be an was told that rule was at the discretion of the Department of Education. On XX/XX/2021 I contacted the Default Resolution Group on behalf of the US DEPARTMENT OF EDUCATION and was informed by a supervisor that no such policy exists and that sole discretion of compassionate reconsideration of late payments was completely up to the loan servicer. Im asking that my case for reconsideration be given based on the merits of the information I submitted and not a nonexistent policy supposedly put in place by the department of education. Ive attached all the documentation sent to Great Lakes Borrower services.

Company response to consumer: Closed with explanation