vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
My debit card was stolen from my workplace, the thief has all my personal information including driver 's license. XXXXbridge cre st tel number XXXX XXXX AZ was notified to cancel a pending transaction. They refused, I spoke with two people XX/XX/XXXX Monday morning, that they did not verify the payment my card was stolen that night. They refused to cancel payment or even tell me who paid for their car XXXX XXXX XXXX  on XX/XX/XXXX. I gave them the exact time the transaction was done and the amount of {$500.00} was charged. They did not help at all and they are worse than the thief. XXXX cash-Merchant. Description XXXXBRIDGECREST should be penalized for allowing its customers to use stolen cards to make payments. Please call them to demand they give you an account of the person who made payment for their car with an account ending in XXXX at 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 2020-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
Turned prior lease vehicle XX/XX/XXXX was told I would be told about any damage charge within a month never received an update to the app as I have anouther lease with them and checked monthly - paid flawlessly on that auto and current auto - come to find out there was a damage charge only received 1 letter months summer XXXX mid pandemic telling me it was sent to collections and then I went to look at app and it said it was a past due status! I have never been past due on auto I can pay amount in full but I want a correction to my credit burea to reflect current

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I refinanced a mortgage and finance the purchase of a new home with LoanDepot. This was in turn sold over and given over to LoanCare to service the loan and I recently learned that XXXX XXXX is the investor that bought my loan. 

I am writing with urgent need of help - LoanCare is harassing me for no reason - I am attaching couple can examples of how Loan Care is harassing me and how badly they treat customers. As one instance they are playing with my escrow dollars to pay for insurance that my building already has - at one point they too {$2500.00} from my escrow for insurance - it took over a month and 50 man hours in calls from me and the insurance company to finally get this money back in my escrow account. 

Another instance even though I was in Covid-19 forbearance for 2 months which I got out pretty quickly I paid in full and completely on time 2 weeks ago. Yesterday ( XX/XX/XXXX ) I get a letter saying that I was behind 37 days and had missed two payments. I had to waste 3 hours calling them just to find out that it was a mistake of their automated system ( had to put up with a customer service rep screaming at me and not wanting to hear my complaint ). I have multiple other examples of issues with flood insurance charges that are already covered by my HOA and have plenty of proof. Everytime I call them is at least 40 minutes on hold when they finally answer - they say its fixed, that it was an oversight in their part just to have another letter 3 days later threatening me that they will buy more insurance on my behalf because my building doesn't have enough insurance ( which is a lie and have to call them again ) - even though I already shared the insurance certificate with them. Loan care practices border on criminal harassment. For your records the loan numbers I am complaining about are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( unit rented ) Loan number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( I reside here ) Loan number : XXXX The latter one is the one I want escrow funds released back to me immediately - they are actually holding about {$1400.00} over my liability. My property tax liability is {$4000.00}. They are holding {$5400.00}. - I have all the proof you may need Please I need help - the stress Loan Care is giving me me is already causing health issues Thanks and regards XXXX XXXX XXXX XXXX : I am attaching a couple of examples of the type of harassing letter I get 3 times a week at least ( I have a credit score over 800 - never been late on a payment - so this type of treatment is new to me )

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 2020-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/20, I had someone wire money out of our XXXX XXXX account to a bank account at Chime Bank. I've opened a fraud case with XXXX XXXX, and also reached out to Chime to try and figure out what happened. They had someone open a checking account under my name and withdraw funds as soon as the wires come in. I've tried multiple times to get ahold of Chime 's Fraud department to discuss the situation, figure out how the account was opened in the first place without my knowledge, and then close the account, but I've been unable to get ahold of them. Every time I called customer service, they would respond with " Fraud department representative will get in touch with you in the next 24 hours '', but they never have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX Account # : XXXX Account Name : US DEPT ED Account # : 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 2020-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery Associates, LLC knowingly opened collections accounts on XX/XX/XXXX without sending out any type of initial notice of debt, also the accounts were included in my Chapter XXXX Bankruptcy. 
PRA then attempted to file claims in my Chapter XXXX case after the 341 creditors meeting on XX/XX/XXXX and XXXX, XXXX that were denied as untimely. 
PRA admits they failed to send out initial communications on XX/XX/XXXX, but alleges sending out an initial communications on XX/XX/XXXX. 
During a telephone call on XX/XX/XXXX, PRA firmly states they can not prove they sent out any communications, but refuses to remove the fraudulent collections from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: MI

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX Account # : XXXX Account Name : US DEPT ED Account # : 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 2020-10-21 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: MI

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX  Account # : XXXX Account Name : US DEPT ED Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am unable to obtain credit from this bank. I am trying to finance a car and the dealer was told that my name is blocked in their internal system. I remember that this same bank closed by checking account out of nowhere and never told me why. I tried to call and ask about why my account was closed and they told me that they would not give me any 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 2020-10-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
In XXXX, I was sued by XXXX XXXX XXXX  ( XXXX ) for two loans originally taken out with XXXX XXXX in XXXX. They were represented by XXXX XXXX XXXX of XXXX  XXXX, now XXXX XXXX XXXX XXXX. XX/XX/XXXX. Through my attorney, we settled for a lower amount, and I entered into a payment arrangement of {$200.00} per month for 84 months, starting in late XXXX. My last two checks to XXXX were not deposited, and before I made a third, I called them on XX/XX/XXXX. They told me that my accounts with them had been closed in XXXX because they were no longer allowed to collect debt outside the state of Virginia, and that my accounts had reverted to XXXX. But they could not provide me written documentation of any of this, and said they could only tell me verbally. One year later, I have still not received any written notification from XXXX  or XXXX XXXX XXXX, which they also mentioned on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I closed the sale on a property I owned which was financed by XXXX XXXX  and with in a few days ( XX/XX/XXXX ) I received the sale proceeds from XXXX. 
In the process of applying for a VA Errol loan refinance on another property several weeks later in early XXXX I noticed that the outstanding debt on my credit report was still about {$150000.00} higher than it should have been and to my surprise the payoff in early XXXX was still not showing a month later as having been payed. 
Ironically I had used mortgage payoff disbursement proceeds from XXXX XXXX  to pay down {$24000.00} on my XXXX XXXX and it was showing paid off the very next day in early XXXX. 
I filed complaints with both Equifax and XXXX  and they both reported back in mid XXXX ( XX/XX/XXXX ) that the XXXX XXXX  loan was still showing open. 
I again called both XXXX  and Equifax and they advised me that the XXXX XXXX  account still showed open based on XXXX latest report to them. 

There in lies the problem, if my loan had been paid off one week earlier In XXXX, XXXX would have forwarded their monthly report on XX/XX/XXXX ( less than 20 days XXXX to the various bureaus, but XXXX week later they dont report until XX/XX/XXXX. 
So when I called on XX/XX/XXXX the XXXX report of the loan payoff ( XX/XX/XXXX ) had not yet been able to hit the XXXX  files. 
So a full 41 days after my payoff my credit score still showed a full {$130000.00} more outstanding debt than it should. Therefore my full outstanding balances was {$410000.00} or a full 33 % higher than reality. 
I could never know how the credit union scoring system works, but certainly 33 % debt can only improve my BEACON SCORE ( by 50 points ) AND earn a lower interest rate on my VA refinance! 
I dont know what advantage slow reporting of payoffs gives to banks. After all its really just computers programmed to report to other computers. Maybe a bank shows more loan assets for longer. Certainly it cant just be sloth! If XXXX reports in one day, or I can pay a mortgage from my bank to XXXX electronically in one day ; XXXX can report my {$130000.00} payoff to all credit bureaus within the same period. AND NOT ADVERSELY EFFECT CONSUMER CREDIT REPUTATIONS AND SCORES! 
All creditors should be able to report credit status twice monthly! If not daily like XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: NC

Complaint narrative:
On XX/XX/XXXX I closed the sale on a property I owned which was financed by XXXX XXXX  and with in a few days ( XX/XX/XXXX ) I received the sale proceeds from XXXX. 
In the process of applying for a VA Errol loan refinance on another property several weeks later in early XXXX I noticed that the outstanding debt on my credit report was still about {$150000.00} higher than it should have been and to my surprise the payoff in early XXXX was still not showing a month later as having been payed. 
Ironically I had used mortgage payoff disbursement proceeds from XXXX XXXX  to pay down {$24000.00} on my XXXX XXXX and it was showing paid off the very next day in early XXXX. 
I filed complaints with both XXXX  and Experian and they both reported back in mid XXXX ( XX/XX/XXXX ) that the XXXX XXXX loan was still showing open. 
I again called both Experian and XXXX  and they advised me that the XXXX XXXX  account still showed open based on XXXX latest report to them. 

There in lies the problem, if my loan had been paid off one week earlier In XXXX, XXXX would have forwarded their monthly report on XX/XX/XXXX ( less than 20 days ) to the various bureaus, but one week later they dont report until XX/XX/XXXX. 
So when I called on XX/XX/XXXX the XXXX report of the loan payoff ( XX/XX/XXXX ) had not yet been able to hit the Experian files. 
So a full 41 days after my payoff my credit score still showed a full {$130000.00} more outstanding debt than it should. Therefore my full outstanding balances was {$410000.00} or a full 33 % higher than reality.

I could never know how the credit union scoring system works, but certainly 33 % debt can only improve my BEACON SCORE ( by 50 points ) AND earn a lower interest rate on my VA refinance! 
I dont know what advantage slow reporting of payoffs gives to banks. After all its really just computers programmed to report to other computers. Maybe a bank shows more loan assets for longer. Certainly it cant just be sloth! If XXXX reports in one day, or I can pay a mortgage from my bank to XXXX electronically in one day ; XXXX can report my {$130000.00} payoff to all credit bureaus within the same period. AND NOT ADVERSELY EFFECT CONSUMER CREDIT REPUTATIONS AND SCORES! 
All creditors should be able to report credit status twice monthly! If not daily like 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 2020-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am currently on XXXX and receiving funds from the state of California. the Process requires the monies be deposited to Bank Of America XXXX Pre-Paid Cards. My Issues Is with Bank Of America and how they Manage the account. More Specificly the fact that they are restricting access to funds for an additional day from the date of the deposit is issued by California XXXX, additionally may Pre-Paid Card had expired and they didn't not send the replacement in a timely manner causing an additional delay of 10 day to gain access to my funds as they do not allow for transfer to another financial institution with out a valid debt card.

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 2020-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
I am behind on my FHA mortgage for 9 months now. I would like XXXX to do a partial claim with the FHA. XXXX states that I must apply for this just as a loan modification. I am 9 months past due, and I am scared they will not get to it in time. I sent a workout package and I desperately need help. I do not want to lose my home. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was contacted by my mother on XX/XX/XXXX who contacted me in regards to someone saying they were with the State trying to collect on a bounced check for a payday loan I took out back in XXXX. I was given a phone number and a person to contact. When contacted the person she said she was a mediator between the payday loan company so the pay day loan company wouldn't take me to court and place a judgment on my credit report for the amount owed of {$580.00}. She then said I needed to pay the balance in full if i couldn't pay the balance in full it could be broken into 2 payments of {$290.00}. She then transfered me a guy who said he was on a state recorded line to make a post dated payment for the amount of the full balance in two parts which was more than I received from the payday loan XXXX {$300.00} ). I then received a docu sign document for a dollar amount as a promise to pay in regards to stopping " Court Process and attorney fee 's ''. from a XXXX XXXX to my email address on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020 my wallet and phone were stolen from my friend 's car in XXXX XXXX XXXX XXXX while we were surfing. On that date I called Chase to report that my card had been stolen along with my cell phone and they said that they canceled the credit card, were reimbursing me, and generally were very helpful. The charges were On Monday, XX/XX/2020 I went on my account and the two charges had been billed to me. One is for {$2300.00} at XXXX 's and the other is for {$9100.00} at XXXX XXXX. When I called to again dispute the charges I was told that they had reauthorized the charges afterward because they had been verified or confirmed by my cellphone. I can already tell what is about to happen : they are going tot try and say that I never told them that my cellphone is stolen. 

Now they are saying it will take XXXX business days for them to review the transaction. In the meantime my credit score is shot and my credit limit trashed. I submitted the case number to them but only time will tell.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
3 years prior I contracted with XXXX for a 12 month agreement at XXXX per for a voip line, at month 13 they tripled cost, I completed contract so I cancelled service, they continued to bill my account of which i had removed from their website, so they collected funds not owed, without my consent. I received a letter on XX/XX/20 from RMS, receivables Management Services a 3rd party collection company, attempting to collect a debt that is erroneously.

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