vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
To whom it may concern - I am writing to see if you can help me with a complaint with the lender of my second mortgage, Ally Bank. 

In late 2020, I sent my check number XXXX in the amount of {$360.00} as payment for my XX/XX/2020 obligation. Ally did not cash the check but sent it back to me claiming it was not a full payment, and then proceeded to claim I missed a payment. They have repeatedly applied late fees to my account, despite being paid on time. 

Ally frequently applies late fees to my account, despite my making regular, and correct, payments.

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 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, I reviewed A copy of my credit report and it shows the inquiries above are fraudulent and i have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
It took me 4 months to apply for an AE credit card, and I am glad I got him. But I used it for 10 days, and the customer service cancelled the credit card because of a failed payment. I immediately called to explain the reason. The payment failed because my XXXX bank was closed. And I immediately changed another bank account to pay the money, and now I dont owe any money, and the credit card customer service at the time said in person that as long as I paid the money, she could help me reopen the credit card. I can continue to use it, but I didnt expect it to be closed the next day. I called in and asked. They only told me to re-apply, but my re-application was rejected. I only used it for 10 days and paid the {$150.00} annual credit card fee. I was very angry and felt that it was unfair to me, and the credit card customer service personally said that I can continue to use it! But it did not materialize. Need to be able to get help from your company again! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
We were misinformed on a home loan modification years ago and were to have settlement on the sale of the home and discovered there is a {$31000.00} lein on our home which is preventing the sale of our home. No one can tell us where this money went after the modification occurred. It certainly didn't come off our mortgage amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: MD

Complaint narrative:
I have sent my new married name to Transunion to update 2 months it still has not been update. I have credit cards and installment loans paid in full and closed but they are still reporting them open with balances. 
Transunion credit score is XXXX points lower than XXXX and XXXX and TransUnion will not give me a valid reason 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 2021-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
A cousin was living with me in my house and he stole my information to open a XXXX credit card account through XXXX Bank couple years ago. The amount is {$1000.00}. When He got sick ( contracted XXXX XXXX ), he decided to talk to me about what he did. Three weeks later he XXXX  of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
Revolut has prevented me from transferring more than a limited amount of funds from my account back to the XXXX bank account I've used to fund this account in the first place. More than a month ago Revolut asked me for documents to help prove the source of my funds, which I promptly provided, including my employer pay stubs. They have yet to review these documents weeks later, yet have placed a silent ( undisclosed ) hold on 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 2021-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
To whom it may concern, I am subitting this complaint because I was never aware of this balance or this collection until I requested a copy of my credit score and I contacted them. I called the number on the credit bureau and I inquired as to what this was about. Then that is when they told me it was some XXXX XXXX I do not recall or had knowledge of any balance owed to this company and they never tried to collect or contacted me. As I mentioned If I had not requested my credit report I would have not even found out. 

I am requesting for them to remove from my credit bureaus ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: NV

Complaint narrative:
XX/XX/2020 PayPal received a direct deposit form unemployment benefits and held it. They have held it for over the 180 days they said they would and still wont release it. While calling customer service I am on hold for 3 hours now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: AZ

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau and XXXX XXXX are double reporting a debt. I have recently looked at my credit and noticed that this debt is reporting twice. This is a violation under the FCRA and this needs to be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have been receiving up to two calls a day from Portfolio Recovery Services. The numbers are automatically blocked by XXXX. The company does not call back through the XXXX response process and when I call the number to ask them to stop calling, I am asked to provide either my social security number or an account number. I won't provide my social security number and I don't have an account. I have checked my credit report and my husbands and there are no debts reported. I haven't received any written communication from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: Village Capital & Investment LLC
State: IN

Complaint narrative:
In XXXX I went through a mortgage modification. The modification was a FHA-HAMP modification agreement. Under this agreement, HAMP states that lenders are supposed to report all payments as on time and paid in full. Village capital honored that until XX/XX/XXXX. 
I fulfilled all requirements satisfactorily. My trial agreement was from XX/XX/XXXX until XX/XX/XXXX and no payment in XX/XX/XXXX. XX/XX/XXXX the modification would be effective. 
In XX/XX/XXXX I reached out to Village Capital about this issue. I received a call from the underwriter that there is an error and it would be corrected. A week later I received a letter in the mail stating that their reporting is accurate and they will not update my payments to on time and paid in full, including some new payments made on time after my modification was effective. They have breached the HAMP modification reporting and also have breached the notarized contract that was signed. Currently they are reporting to XXXX  and XXXX  12 missed or late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Since the death of my mother-in-law and tenant-in-common on the subject property, I have attempted to assert my rights as survivor-in-interest with the mortgage servicer ( XXXX, XXXX XXXX and now Rushmore Loan Management Services ). I have provided a copy of the Grant Deed granting me a 50 % interest ( in XXXX ), a copy of her death certificate ( XXXX ), and proof that the subject property has been my principal residence ( since XXXX ). Additionally, I have made every single payment to all three loan servicers since XXXX. 

Successors in interest to property secured by mortgage loans covered by the Real Estate Settlement Procedures Act ( RESPA ) and the Truth In Lending Act ( TILA ) are guaranteed certain rights as part of the Consumer Financial Protection Bureaus XXXX Mortgage Servicing Rule amendments to RESPA and TILA. A successor in interest is a borrower for purposes of RESPAs mortgage servicing rules and 12 C.F.R. 1024.17 and a consumer for TILAs mortgage servicing rules. 12 C.F.R 1024.30 ( d ) and 1026.2 ( 11 ). Successors in interest are entitled to the same rights as the original borrower. 

Rushmore is refusing to accept payments from me ( or the 2nd TD  holder ) even though under the California Civil Code, 2nd TD holders have the right to bring the first current which was current until Rushmore returned the XX/XX/XXXX payment. 

Rushmore 's actions are being taken with the expressed intent of forcing the property into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AR

Complaint narrative:
I am reaching out to the CFPB for assistance in hope the CFPB will look into any illegal servicing activities SPS has done in regards to my application assistance in trying to save my home. I have been past due on my mortgage for many years now now since XXXX and sine the first time falling past due I have applied for a loan modification on my home with SPS with no luck I have submitted all items required to be reviewed and each tome it takes them months to make a decision or request more documents. Last I submitted most recent on XX/XX/XXXX I sent them all documents for assistance but after a few weeks when I called in for a status update they stated they have denied my application and refused to send me a denial letter. I feel like SPS is not interested in helping me save my home and are more interested in foreclosure. I am XXXX XXXX XXXX and I do not know how many more years I have on this earth I am asking SPS and CFPB to help me save my home once I pass away I will be more than happy to sign any documents ahead of time where the home will go back to SPS. I have grandkids that I take care of and I would love to keep a roof over their heads while I still rome this earth. Please help me save my home, the last time SPS helped was with a huge repayment which I cant afford. Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/2021 I sent information to all three credit bureaus regarding a bankruptcy that was being inaccurately reported on my credit report. After contacting the Bankruptcy court I sent proof stating the information was inaccurate and that the bankruptcy court does not report such information to credit bureaus. I will attached the information that was provided to the credit bureaus.

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 2021-05-03 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and 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 2021-05-03 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau and XXXX XXXX XXXX are double reporting a debt. I recently looked at my credit and noticed this debt reporting on my credit file. This is a violation under the FCRA and this must be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one closed my Sparks Business Card said it is a business decision. I have paid my account and am always on time. I do not understand why it was closed when I am using the account as intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management
State: NC

Complaint narrative:
I have a collection from AmeriFinancial Solutions , LLC dated ( XX/XX/2020 ) asserting a debt in the amount of ( {$300.00} ). This is currently reporting on my credit and it shouldn't be. I have reached out multiple times and have yet to get a 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 2021-05-03 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: Farrell Holdings, LLC
State: UT

Complaint narrative:
XXXX XXXX XXXX and Prime Acceptance are double reporting a debt. I have recently looked at my credit and noticed that this debt is reporting twice. This is a violation under the FCRA and this needs to be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: WA

Complaint narrative:
Sometime in early XXXX, I received a letter from AmSher about a debt account they received from XXXX. The letter stated the total amount but not the itemized amounts and I can not validate this debt, especially not knowing what the charges are. I called AmSher and left a detailed message regarding my account with them, indicating that I formally dispute the debt and request itemized charges. 
For a while, I heard nothing back and received no itemized charges ; I considered the matter resolved. Some time later XXXX late XXXX ) I am notified through credit monitoring that there was a change in my credit report. AmSher reported the debt in spite of my dispute, to the collection agency without first having sent the itemized charges or contacted me about my request. 

On calling them today, I was told my request was received shortly after I called and that the itemized charges were sent in the mail. No such mail ever arrived XXXX even though I receive other mail just fine, including their original notice ) ; no explanation or tracking number was given. I asked that in lieu of sending the itemized charges and/or notifying me they were not sent, that AmSher remove the report they sent to the credit bureaus, until after the itemized charges document has been sent. They refused to look into the matter further and insisted they're " not in control of the postal service ''. This seems highly suspicious since I receive mail routinely just fine, I am confident the document was not sent because they did not send it and it does not exist. Based on my past experience with this debt, a previous agency XXXX having attempted to do the same thing ) eventually admitted the document did not exist because no itemized details were provided by XXXX with the account. I am confident this is the case yet again, where the agency is falsely insisting it was sent as a pressuring tactic to make up for the fact they can not legitimately provide supporting documentation. 

In the past, I have contacted XXXX and the previous agency to confirm that XXXX deleted my account information, and so with it any information about itemized charges. It seems entirely like a scam tactic to, knowing this, a ) continue to collect the debt and b ) for agencies to " invent ' documents/details which don't and can no longer exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I closed account either in XXXX or XX/XX/2021. I then paid off the account XX/XX/2021 based on statement on the online account for Capitol One. I then went today to cancel another service I had through them XXXX XXXX and saw that I still owed money for the account that I had paid off. 
I called customer service to ask why I had this charge. I was advised by a CSR that I had to call in for final payment amount BUT there is NOTHING in writing on statement that states I need to make this call for final payoff of account. I did pay it BUT I advised that I wanted to file a complaint that this needs to be communicated with their customers. 
This needs to be in writing for ALL to know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
We refinanced our home and closed our loan with Nationstar Mortgage LLC d/b/a Mr. Cooper in XX/XX/XXXX. Our new Mortgage company paid off our loan with Mr. Cooper on XX/XX/XXXX. We were owed a refund for overpayment and received a check in the amount of {$4300.00} on XX/XX/XXXX. Our bank held the check for clearance and then released the funds, which we began to use. On XX/XX/XXXX, Mr. Cooper placed a " Stop Payment '' on the check, which made our account negative in addition to fees. 
We called Mr. Cooper for an explanation and were told the original check was incorrect by {$9.00}, which they owed us the additional {$9.00}. Instead of sending us a second check for the {$9.00}, they cancelled the original check. We have been in constant contact with them for the last 3 months and every single week, sometimes twice a week, we get a different answer as to why we still have not received the refund that is owed to us in the amount of {$4300.00}. Every agent we speak to assures us they will find a resolution and call us back. We have yet to receive a call back or receive any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
I checked my credit reports and saw an account for Lobel for an auto repossession. The account is very old and i can not afford to pay for the total amount. I would like to settle for {$1000.00}. They call me monthly and i have told them to stop calling. they are violating the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation