vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I filed dispute letters with credit bureaus and company no response.

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 2020-08-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have contacted reliacard several times ... I am awaiting financial help from XXXX  ... a card was sent out a month ago but not to my address on file with the Dept of Labor and they will not send me another one because I don't know the address they sent it to ... I've spent hours on hold waiting to discuss this and 4 people have not helped yet they say they can not do anything ... I say how could they send it to some other address it should be one on file  from the XXXX  not what they previously may have had ... I really need help ... I've had no money at all and am only staying alive due to help from food bank ... please help 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 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
XXXX  XXXX  convergent outsourcing XXXX opened XX/XX/XXXX reported XX/XX/XXXX amount {$1100.00}. I had emergency to come up where I had to move immediately. I packed of XXXX XXXX  equipment and contacted them and told them to come pick up the equipment at the location in which it was installed. They said they would come pick it up but never showed up. I contacted XXXX XXXX again and told them i have the equipment packed for someone to please come out and pick it up off the porch because I have to leave the location due to an extreme emergency they agreed. From my understanding they were suppose to come and pick it up and if they didnt it is on them for agreeing to pick up their property on 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 2020-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
DO NOT CLOSE MY COMPLAINTS! THEY HAVE NOT BEEN RESOLVED REFER TO CASES XXXX & XXXX I just received a call from the title company on Friday about signing for my COVID19 forbearance plan, but I have already signed this!!!! It has been 3 weeks since I stated that we need a split signing and they have not sent any paperwork to my sister in XXXX  to sign! This is ridiculous. Meanwhile my account is still frozen and all the payments I make are unapplied. My statements show I owe 4 payments when I have made my XXXX, XXXX, XXXX payments!!!! HUD is only paying the XXXX & XXXX payments. I also requested a new case worker on my account and shes as useless as the other guy. She said she would followup. She did once and haven't heard anything. The system also reroutes me to the original person and that should not be happening. Please Advise.

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 2020-08-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
About XXXX dollars has been taken out of my account and i dont know how. Please help i need this money back thanks

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 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
They get the payment every month but adjusted with other monthly payment this thing is going on for few year

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a loan with BLOOM/DSNB. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and BLOOM/DSNB with no successful resolution. XXXX and XXXX are only reporting me late. There was definitely an error on their part. I was never 120 days late.

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 2020-08-18 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: ERC
State: PA

Complaint narrative:
Enhanced recovery place a collection account from XXXX on my credit report I put in a dispute with XXXX  and let them know it was a case of fraud but they didn't remove the account. This account doesn't belong to me someone used my name without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Exeter Finance, LLC.
State: NJ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
I was offered a {$300.00} bonus for opening a checking account and fulfilling the terms. I opened the account on XX/XX/2020 and all terms were fulfilled, but the institution refuses to honor the bonus. This is a XXXX  scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: LA

Complaint narrative:
I was effected by COVID-19 & I explained that to them & they say that theyll work with me & they reported me60 days late & I was effected by COVID-19 & they told me that they would work with me under the cares act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: IL

Complaint narrative:
Experian is constantly placing an account that I have disputed numerous times on my credit report. I do not owe this amount to XXXX XXXX XXXX. I did not break my lease. This is an inaccurate account with unauthorized charges on my credit report. I have filed a complaint with CFPD and still have not received any information from Experian regarding my complaint.

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 2020-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have been writing XXXX XXXX this company because I have never heard of the original creditor, and know without question that if this debt was mine, it would be a minimum of 8 years old. However it gets sliced, it should not be on the credit report. In fact, on XX/XX/XXXX, both XXXX and XXXX  reported it had been removed, but XXXX  as of XX/XX/2020 still is reporting it as active. 

It very damaging, and very old. 

I keep sending letters asking both the company and bureau ( XXXX  ) to look into this. 

How can a company remove the listing off one report and not another. 

If you apply for a credit card, the bureaus all know about it in hours. Get an item to come off? Well that takes months.

This was removed XX/XX/XXXX. Why is it still being reported XX/XX/XXXX as valid?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: WV

Complaint narrative:
Experian, unable to get meaningful cooperation despite my having emailed the CEO, I also spoke with XXXX XXXX from their executive office - the issue pertains to an account with XXXX XXXX ; XXXX, misreported the account as an automobile loan with an existing open balance from XXXX ; the account was a sales contract, paid-in-full within 6 months. Presently, the account is showing it was paid in XX/XX/2020 which, is incorrect. Experian, does not care about resolving the issue, they only care that their bases are covered, no repercussions on their end. WHY?

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 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Applied for a Amex Blue Card - they denied. I do not desire Platinum. I feel AMEX is discriminating against me. I called wrote to CEO ... ... No reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I was sent money to help in these difficult times about XXXX in the XXXX XXXX venmo and was unable to transfer to my debit card, contacted customer support multiple times and they were unable to fix/help with the problem, they said to link my bank account and do the standard transfer to my bank account unfortunately i was unable to even link any bank account manually with the routing number or with the plaid system they had in place to link my account on top of that i was not even able to add my information to verify my identity and was repeatedly given the message that there was an issue or things werent working message for days. There was no option to retrieve the money sending or transfering and repeatedly told im so sorry but unfortunately theres nothing we can do except escalate your account and to wait for an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I had put in payment for PayPal through my bank XXXX XXXX however it wasn't paid. I am very upset to find that it wasn't paid and I paid for it immediately. I have been having problems with XXXX  XXXX XXXX  and I understand its COVID 19 and I have been paying on time with Paypal and they refuse to waive a one time fee for me as a good paying customer. 

I tried to explain with Paypal I just XXXX  my XXXX  because of the XXXX  XXXX related XXXX   XXXX  and they have not been compassionate to my needs.

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 2020-08-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC
State: NY

Complaint narrative:
XX/XX/2020 I completed a trade in with Carvana and was given a non-resident XXXX   temp tag and registration and I reside in XXXX. Upon receipt I realized the temp plates were already 3 days old. My problem stems from the fact that Carvana failed to disclose that the transfer of plates and registration would take 6-8 weeks, which would be a deal breaker to me due to the fact I would be illegally driving this vehicle for a possible 25-30 days. When speaking to a Carvana Rep she stated the companies position was, sorry but there's nothing we can do for you. I suggested a rental, and was rebuffed. Full disclosure could have prevented this oncoming catastrophe, with no relief in site. Have no alternative but to knowingly break the law with expired tags and pray if caught the legal consequences are not too severe. Worst of all is their position on the matter, totally uncaring and remorseless, for this abominable business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Conduent Incorporated
State: GA

Complaint narrative:
I am the recipient of a Georgia UI Way2Go Card Prepaid Mastercard. The card 's terms state that a funds transfer is a feature of the card : " You may transfer funds from your Card to a XXXX XXXX account owned by you. A fee will be assessed for each funds transfer request. You must initiate the funds transfer by calling the automated customer service at XXXX. '' I attempted to initiate a funds transfer by calling the automated customer service number 4 times on XX/XX/2020 and 2 times again on XX/XX/2020. I entered my account information and went through every option on the entire automated menu each time I called. There never was an option to initiate a funds transfer, nor was there ever an option to speak to a customer service representative. Each time I called, I exhausted all of the menu options presented to me before receiving the message that my " menu selection was invalid '' if I tried to press " 0, '' for example, then, " We're sorry you're having trouble. Goodbye, '' and my call was disconnected each time. This inability to initiate a funds transfer through the automated customer service line is completely contradictory to what is stated in the card 's terms. There also is no option to initiate a funds transfer from my Way2Go online account, as the only " Services '' offered there are " Bill Pay, '' " Alerts Management, '' " Pin Management, '' and " Disputes '' to dispute a transaction. I did find a link on the Way2Go Card website to " sign up for Direct Deposit, '' but when I clicked this, my State Program was not listed in the drop down menu ; the website explained that this means direct deposit from the card is not an option available to me. The only phone number given to contact Customer Service for this program is the automated line, which, as stated previously, doesn't give you the option to talk to a human to ask any questions, so I can find no way to initiate a funds transfer as stated in the card terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Corporation of America
State: AL

Complaint narrative:
For months this company has continued to call. Yesterday, XX/XX/2020 the company called 30 times! 30 times! For months I have requested they remove my number from their calling list. I do not have any debt with them or any of their clients. I verified this yesterday. I asked 4 different representatives to input my telephone number and find my name. They could not, but they did express that there were PAGES and PAGES of names associated with my personal phone number. I asked to speak with a manager or  someone in their IT department because it seems that there is a glitch in their system that has linked my telephone number with hundreds of their clients. I asked them AGAIN to put me on the Do Not Call list. XXXX assured me that she spoke with her manager and I was on the DNC list. I had 5 calls while I was on the phone with her trying to get this resolved. I had to change my telephone number. The harassment and blatant refusal to remedy this problem was unacceptable and I would like an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: CommonBond, Inc.
State: SC

Complaint narrative:
I was checking rates to see if I could save money on my student loan ( which has a relatively low outstanding balance ) and was referred to Commonbond. After discussing their loan to get rates for a few minutes it became obvious that they were NOT ABLE TO COMPETE with my current rate, but I was really disappointed to hear " we don't offer our services self-employed individuals ''. I told the representative that I had all of my schedule C tax returns going back 10 years proving more than adequate income along with current proof that my income situation has not changed - in which she replied " we've chosen to not do business with self employed individuals at this time ''. I feel this is a generic move which is obvious discrimination against self employed individuals and has prompted me to NEVER attempt to do business with this bank moving forward. I advised the representative that the bank was discriminating against an entire group of individuals without basis and her manager called me shortly after. She told me they were not discriminating, but chose not to do business with self-employed. The fact is I have an 800+ credit score and an outstanding D/I ratio ( which is why commonbond couldn't compete with my current rate to begin with! ). All of this is easily documented because the IRS knows a XXXX of a lot more than Commonbank. They provided this information to me with NO FINANCIAL INFORMATION FROM ME. I believe it is important for every bank to NOT MAKE JUDGEMENT-BASED DECISIONS WHEN IT COMES TO LENDING. This is the same exact behavior that leads to denying minorities loans. What exactly is the difference between refusing my refi without any financial proof - just because I'm self-employed and refusing my refi without any financial proof because of what I look like? COMMONBOND IS A DISGUSTING BANK THAT MAKES SNAP DECISIONS WITHOUT LOOKING AT ANY NUMBERS. They should be ashamed of their policy and I'll be spreading the news that this bank discriminates regardless of how much money people actually make! Self employed people typically have to work twice as hard to pave their own way - just to get this IGNORANT response from SOME banks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: OH

Complaint narrative:
This account is inaccurate and in violation as reporting as Charge-Off with a Balance and no LAST DATE OF ACTIVITY, Please delete ASAP. 


XXXX XXXX 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