vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I received a debt collection notice from " Credit Collection Services '' on XX/XX/20. CCS is the debt collector for XXXX XXXX. XXXX claims that I owe them {$150.00}. I do not owe them anything whatsoever. 

I tried to contact XXXX via the phone XXXX XXXX XXXX. This was a complete waste of time - I could not get a human on the phone. There are endless telephone prompts asking me for personal information, account information. I don't have an account, so nothing will populate on their end. 

I also tried the online chat feature - I ran into loop after loop of the same questions, all of them redirecting me to login to solve my problem. I don't have an account, how can I login? Absurd. If they had humans answer the phone then I wouldn't need to go through this website. 

Name : XXXX XXXX XXXX number : XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: MD

Complaint narrative:
I was just informed that I am Disqualified for an IRRRL refinance loan due to a COVID-19, Mortgage company Approved, ONE Month Forbearance ( Where I did pay the interest ) in XXXX. 

So ... Basically, I am not afforded the opportunity of a lower interest rate due to a World-Wide Pandemic that I worked through??? 

I took a 30 % pay-cut for XXXX and XXXX. I asked Sun-West Mortgage company for a 3 month forbearance. I paid {$900.00} on interest in XXXX. In XXXX, I paid {$3000.00} and was caught back up because my salary was restored since I was considered essential and worked through the mayhem. 

This is the most ridiculous set of rules. WHY in the world would this be acceptable? 

Please change these rules for IRRRL qualifications. An approved forbearance due to this pandemic, especially one that was only used for one month, should in no way, disqualify an individual that has been, is doing and will continue doing the right thing. 

Please help while interest rates are low. I'm at 3.25 % but qualify for 2.75 %. That's an extra $ XXXXmonth! 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: DISCOVER BANK
State: KS

Complaint narrative:
On XX/XX/2020 I made a purchase from the merchant XXXX XXXX XXXX  {$1400.00} was charged to my Discover card. This card is set up through my XXXX account. After trying to obtain information requested to return the item within the 30 day return policy period and not getting a response from the merchant, I filed a dispute with Discover. After filing the dispute, XXXX sent an email indicating they had been notified by Discover that a dispute had been filed and would not handle the dispute since I filed the dispute through Discover. After several e-mails back and forth with the merchant, I was finally able to return the merchandise which was received by XXXX XXXX XXXX on XX/XX/2020. In the meantime, Discover ruled in the merchant 's favor and resolved the case on XX/XX/2020. On XX/XX/2020, I contacted Discover and spoke to a Customer Service Associate, told them the merchandise had been returned so I should be credited the amount. They instructed me to upload documentation supporting that I returned the item and to call them back once I did this. I did as instructed, called them back but was told that because in an email the merchant stated they had refunded my XXXX account, they could not credit my account and I needed to contact XXXX. I explained that I never received a refund via XXXX. Furthermore, XXXX is a pass through when using a credit card, therefore, the amount would not be refunded to my XXXX account. I didn't use XXXX funds, I used my Discover card. And if they had refunded me as they claimed, they would've provided me proof when I disputed that I hadn't received a refund, but they clearly lied because it would've went back on my Discover card. I was then told that they needed proof that the returned merchandise went to a physical address since XXXX tracking only showed the city and state of delivery. I contacted UPS who sent me proof of delivery to the address on the shipping label which I uploaded to my Discover site. This was reviewed by another CSA and I was told that this was sufficient and that they would need to have a Team Manager review and then reverse their dispute decision. I was supposed to  have been called back and never heard from anyone. I called the following day to speak with now a fourth CSA only to be told that once again, they can not credit my card due to the XXXX email. So now, the merchant received the item and my money! I went through all of this rigmarole just to be right back to square one. I've checked my XXXX account 's Resolution Center that shows a case history and the info is updated based on Discover 's investigation. It states that the case is closed and was decided in the seller 's favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: EdFinancial Services
State: MI

Complaint narrative:
I have

a 2 part complaint about the same company. 1 ) This complaint is about two accounts from the same company in concern of what's being reported on all 3 of my credit reports. From my understanding, they are past the Jurisdiction for negative reporting and also trying to stay active for much too long. It is being reported by EDFINANCIAL. From my understanding, these have passed the Jurisdiction for negative reporting. They both have the same open date of XX/XX/XXXX. One account is an ESA-ED account ending in XXXX and is closed ( with an active date that doesn't end until XX/XX/XXXX! ), and the other one ends in XXXX and has a balance of {$580.00} and reports until XX/XX/XXXX! ). 

2 ) Throughout the life of the loans mentioned in this complaint, I have XXXX  twice for a total of 27 months, and I had a XXXX XXXX   happen, that caused me to be XXXX  XXXX  from the XXXX. In terms of dealing with this company, veteran 2 years shy of a decade, they made things so difficult. When I joined the United States XXXX in XX/XX/XXXX and I enlisted for the XXXX Loan Repayment Program ( which pays loans as long as they don't exceed {$65000.00} ). Upon my second XXXX, I noticed that the XXXX did not uphold their end of the deal in my enlistment and had to contact them. Fast forward to recent times, in trying to remedy it, they made things so difficult in terms of trying to understand why I have this OLD balance when I enlisted for the payment to be taken care of. I did everything they asked, contacted XXXX HR, and got proof of payment, sent in my XXXX with my XXXX years. If it weren't for some things I had stowed away at my grandmother 's house, I may have never found orders. It was nearly impossible to reach out to my prior unit, and I had to depend on the possibility that any soldiers that may have to know me from XX/XX/XXXX-XX/XX/XXXX may be there, and say they remember and recognize me and see if they had a copy of the orders. How is that fair, you can't assume that all soldier with in the same unit remain in contact with one another indefinitely, because that is the only hope one would have in matters like that. 

I also tried to ask, what were my rights XXXX, because I had a XXXX XXXX  and was not able to work for a while, and that I had supporting documents, they told me, that I should've said something when it happened. When I asked " how could I, I was XXXX  and going through a lot XXXX  and was in and out the hospital for a while, I wasn't able too, but I have supporting documents orders and medical records '' the response was the same. How is someone thinking about these things when they are XXXX  and getting medical treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: FL

Complaint narrative:
On XX/XX/2020 I stayed in a Hotel in XXXX  called XXXX XXXX  XXXX. Unfortunately my reservation said XXXX and the hotel was in complete disarray due to remodeling. The furniture did not look anything like the one I saw in pictures and felt I did not get what I expected. 

I left the next morning at XXXX and the hotel had charged me {$410.00} XXXX for the 3 days of reservation. I told them that I was not aware that they would charge me for this upfront and they asked me to talk to manager that would arrive at XXXX. Since I had to go to work I left and checked in at another hotel XXXX XXXX. 
That evening I tried to call the hotel and they never responded. 

So I filed a claim with Citi back then. Initially they denied it as they said I had not proven that I had tried to contact the merchant even after I showed them proof that I did as well as the travel agency. 

Then refiled, then about a month later they sent me a new denial letter stating that I had to show proof of cancellation prior to arriving ... its like Citi Dispute team never read my letters. 

Then I sent again advising them of what happened and that I had paid for another hotel for the remaining 2 days of my visit to XXXX  and that there was no way for me to know upfront that the hotel would be in disarray prior to me arriving. So I would not be able to provide a notice of cancellation. They asked me to submit proof that I stayed at another hotel. 

Now I get a new letter stating : We may be able to assist you if you provide us with documentation showing the merchant agreed to credit your account. If you are unable to provide this you will need to seek other means to obtain credit '' Its like again they NEVER read my letters. If I had documentation showing that the merchant agreed to credit my account ... why would I file a dispute. 

I have spent countless hours calling and following up. In the meantime they charged my account for the bill and are accruing high interest in my account. 

I am not sure what else to do but to file a complaint and request the support of CFPB on this matter. As you can see on the attached its {$410.00} XXXX for one hotel PLUS {$330.00} ( 2 nights ) for the other hotel I moved to.

I agreed to pay for 1 night for the hotel even though I was upset with my stay. So I am requesting a refund for {$270.00} XXXX from Citi and so far they have been siding with the merchant even though they did not provide this service. I feel robbed and need to get this refund issued to me immediately. I am having to make payments on a service I did not receive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
My husband was approved to refinance his mortgage with Quicken Loans/Rocket Mortgage. His name is on the loan only, I am on title. The mortgage company wanted information on the mortgage on our primary home where I am on the loan only and my husband is on title. I provided a mortgage statement, original mortgage note etc.., then Quicken requests 12 month mortgage history, so I sent my credit report showing 12 month history. Then they request 12 months of my bank statements.Again, I am not on the loan with Quicken or on the refinance. I sent 12 months of statements, just the page showing the payment and marked out the remainder because I felt it was an invasion of my privacy. my husband and I have separate bank accounts. My income is not being considered. Quicken continues in insist that I send all pages of my bank statements. The loan on our primary home also has been assumed and company changed names multiple times. They keep requesting a mortgage note issued by XXXX mortgage. It does not exist, XXXX was formally XXXX who was formally American Home servicing etc.. I feel Quicken has no right to my information since I am not on the loan. Bottom line my husband was approved for a 15 year loan 3.375 % interest. Thats a cut of 2 % interest and going from 30 year to a 15 year mortgage. Looks like Quicken doesnt want to lose that money made on interest on current loan and is making excuses. It is now over 70 days trying to close the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I applied for XXXX XXXX Credit Card on XX/XX/2020. I was declined online with no explanation. The XXXX website stated I would received a letter in the mail. On XX/XX/2020 I received the letter stating the reason for being declined. The explanation states : " You are participating in a payment relief or deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts ''. This is not accurate information. I called XXXX XXXX at XXXX on XX/XX/2020. The person on the phone could not tell me which of my accounts the declination statement applied to. They also suggested to call the credit bureau Experian. I also called Experian on XX/XX/2020. They could not tell me which of my accounts had the statement and recommend to pull my annual credit report. I pulled my free annual credit report and on the file, no accounts have this statement.

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 2020-06-24 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: FL

Complaint narrative:
XXXX  and Tranunion continue to report fraudulent student loans on my credit report that do not belong to me. I have tried to dispute these accounts to no avail. They are both in violation of the 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 2020-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
All of a sudden on XX/XX/XXXX information from 1996 is appearing on my Transunion credit report that I dont even owe. I am so SICK on Transunion and their UNFAIR credit reporting which has ZERO factual basis its unreal! Seriously, a 24 year old problem that has been paid off YEARS AGO! I want this removed NOW! They took every federal tax return for 12+ years until it was paid off then it was removed. Again, 24 YEARS OLD!

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 2020-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am no longer able to link my account with my XXXX  app. This is frustrating I should have that right to link my account ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am trying to link my debit card to a third party account called XXXX  but it is giving me a screen that states " PNC has made a change that prevents you from being able to link your account ''. I have done everything i can think of to resolve the problem and no one can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The documents asked to support this debt has not been provided as this debt is not mine.

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 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian continues to report fraudulent information on my credit report. I have disputed these accounts to no avail. They are in violation of the 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 non-monetary relief
Consumer complaint received 2020-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mid-Atlantic Finance Co., Inc.
State: IN

Complaint narrative:
Starting in XXXX of 2020 I started getting calls everyday from a place called Mid Atlantic. They said I was behind on my auto payments since XXXX of 2020. I had no knowledge of having to pay someone other than the place I got my car from, XXXX XXXX XXXX. When I called XXXX XXXX XXXX  at the beginning of XX/XX/, they told me that my loan had never been sold to Mid Atlantic and that I still pay them. I am ahead on my payments until XXXX of 2020. XXXX XXXX XXXX also told me that they contacted Mid Atlantic to resolve the issue. I am still getting harassing calls everyday from Mid Atlantic and my credit score dropped 22 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I've contacted this company several times over the last year because the balance that's being reported isn't correct.

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 2020-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
All of a sudden on XX/XX/XXXX information from XX/XX/1996is appearing on my Transunion credit report that I dont even owe. I am so SICK on Transunion and their UNFAIR credit reporting which has ZERO factual basis its unreal! Seriously, a 24 year old problem that has been paid off YEARS AGO! I want this removed NOW! They took every federal tax return for 12+ years until it was paid off then it was removed. Again, 24 YEARS OLD!

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 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have on multiple occasions reached out and disputed a collection listed on my credit report with convergent outsourcing Inc as well as XXXX   and XXXX. The two credit bureaus keeping sending me back that the debt has been deemed verified but it is not. I have absolutely no idea about this account and it can not be verified as mine by the credit collection agency. I spoke to a representative at Convergent Outsourcing named XXXX in attempt to verify this collection. I advised her that it is not mine and I have no idea about it. I asked her to send me a copy of a contract or legal document bearing my signature. I was advised by her that they don't have anything with my signature or anything to validate the account is indeed mine. She said they were just tasked to collect and are doing so. She went on to advise me that she did not need to validate any information to collect a debt. I then contacted the credit bureaus back for the third time to advise them of my conversation with the collection agency. I advised them that they can not validate my debt so therefore how could the collection agencies. They advised me to call the collection agency to deal with it. Mind you not on three previous attempts I mailed dispute letters to both XXXX  and XXXX  to disputed with no resolution. I am entitled to a complete and accurate credit report and this collection violates that. I am asking for assistance in rectifying this as it is not my account.

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 2020-06-24 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: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I have an American Express Platinum Card which I use mostly for travel. Due to COVID-19, I had to cancel an expensive cruise with XXXX XXXX, prepaid cruise excursions, an RV trip and Lodging, that I had prepaid in full with my Amex card. All the merchants have refunded the total monies I paid them. I have been calling American Express for 3 months now and opening dispute after dispute. After 2 months, and over 20 phone calls, they finally sent me a check, but the check was deficient by {$2500.00}. So I had to open another dispute for this amount. They closed my dispute without explanation and without resolution. I have given them an accounting of all the charges, all the credits, all the payments made, and illustrated CLEARLY how they still owe me {$2500.00}. They just continue to ignore me. I found this consumer financial protection bureau hoping that someone can help me.

Company response to consumer: Closed with explanation