vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Under the current unforeseen and extreme circumstances we are living through, I decided to call my lender United Wholesale Mortgage , XXXX for assistance. I was hoping to delay my mortgage payments for 2 to 3 months since all my jobs have been put on hold. They offer what they call Payment Forbearance. The idea behind it is that you do not have to pay your mortgage for up to 90 days, but at the end of the Forbearance period, you would owe all the payments at once. They do offer the option to then make one payment, or make a payment plan. Now, let 's think about this for a minute. How is this of any assistance to anyone under financial hardship? This plan is based on the assumption that at the end of the pandemic, if the effects last only 90 days, people will have the ability to produce 3 times the amount of income, or let 's say 120 % of the income to meet a payment plan and make sure the # 1 lender in the country doesn't loose a penny or wait a few months to get their money? How is this allowed? How are this people not being controlled? Why is the government not protecting us from these ruthless financial institutions? 
I'll be filing complains with California, Michigan and the federal Government to start. We can be better than this. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: NY

Complaint narrative:
Due to a current crisis in the US ( COVID 19 ) I'm unable to work due to a XXXX 's governor order " Stay home '', thus I called them to ask for an extension, they offered me 1 month extension however this money will be added to the end of my term which is fine, PLUS they make me liable for an APR for the current month, I want you to understand this is not me who caused this crisis in the country and thus I refuse APR which is 18 % ; associate on a line spoke to a manager and  they refused to waive the APR for the current month. I'm not using their car this month and it just sits here parked, they are trying to take advantage of a situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX complained to NewRez Corp ( my VA loan provider ) that I had received a delinquent tax notification copy of the delinquency notice ( sent on XXXX ), and was asked to send. At that time there was sufficient funds in my Escrow account to pay the total tax bill which had increased from {$3400.00} to over {$3800.00} due to the delinquency. I asked them to immediately pay my taxes on XXXX, XX/XX/XXXX and XX/XX/XXXX. I was sent several notifications that this would be taken care of. When I called and asked why, I was told the tax had already but paid, the amount was still in my Escrow, and again send a copy of my delinquency notice. Then I received a notice of wage garnishment and then contacted them several more times after this. My tax was finally paid on XX/XX/XXXX, but only after 3 wage garnishments had been made, and likely a fourth the upcoming pay period. I am now short {$1600.00} and will not be able to make my upcoming mortgage and will likely have to pay a late fee thanks to their poor service. I have also had to pay the {$480.00} charge for the delinquency.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN has a slew of inquiries on my credit report that don't belong to me and should be removed immediately ... ..I have had problems disputing these directly with the creditor and the credit reporting agency. I keep getting the run around ... .these need to be removed. 7 out of the 11 inquires should be gone! Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and 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 2020-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My mortgage has been with Fifth Third Bank since XXXX. My mortgage payments were {$2100.00} which included my taxes and insurance prior to XX/XX/XXXX. I received a over escrow check in XX/XX/XXXX from the mortgage company for over {$1000.00}. On XX/XX/XXXX I was notified by the mortgage company that my escrow was short {$3800.00}. They increased my mortgage monthly payments from {$2100.00} to {$2500.00} ( a increase of {$480.00} per month ) After talking to several customer service representatives I was told the mortgage company miscalculated my mortgage escrow. I was furious! How can a mortgage company miscalculate someone mortgage to this magitude! i wrote them a letter to which they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I sent a Debt validation letter to MSB MUNICIPAL SERVICES BUREAU. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, MSB MUNICIPAL SERVICES BUREAU did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the MSB MUNICIPAL SERVICES BUREAU or any attempts by the debt collector to validate the debt they believe I owe. It has been more than a few months since they put the debt on my credit report and More than 1 month since I requested validation. This isn't my initial time filing a complaint on this company, I filed a CFPB complaint before and it was deemed unauthorized and removed from my credit. Evidently, they have marketed the account to another creditor and creating further efforts to collect on a debt that isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: TX

Complaint narrative:
I have a USBK COURT XXXX MISSOURI CHAPTER XXXX Bankruptcy on all three of my credit reports. I have challenged it with all three bureaus in last 12 months every time the bureaus say ask for it to be deleted from my credit file because it is not mine. But every time they say it is verified as accurate. I have asked for the method of verification and not got anything about how they verified Bankruptcy I have not filed bankruptcy in any state. I contract Missouri courthouse and got a letter back stating that they don't verify any information with 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 2020-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Amid the coronavirus pandemic Ive tried reaching out to Capital one to discuss resources available if my income was affected. Ive been trying for a week to call them. Have waited on hold in excess of three and a half hours to speak to a representative ( proof attached ) with  no answer or when I've finally reached a rep to talk to the line will disconnect. I believe the phone system is being manipulated by Capital one in an effort not to help their clients in this crisis. The reason I feel this way is because I have requested in the past for assistance during hardship and they offered me a program to defer my credit card payments and reported them as late payments on my credit report in 2018, and remain there at present time. Another incident I've experienced with them is I applied for a car loan with them and within a 30 day window there is 4 hard inquires from the same company. Ive asked them for a letter of deletion that Ive yet to receive. Another complaint I have with them, they delay reporting accurate information to your credit report. My auto loan balance remained the same for two months even though I made my payments on time. One of my credit cards Ive had for 4 years, made every payment on time, and have only received one line increase on that card in four years even though numerous request have been processed. The other credit card and auto loan came after that card so my decline had nothing to do with credit worthiness, and Capital one reason why I didnt get the increase are lies. I'm so over them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Good afternoon I have student loans that are service by the department of education. XXXX. Originally they did a garnish on my account in where they collect close to {$1500.00} if not more then while they were garnish my payroll I started making monthly payments of {$20.00} which was decrease to $ XXXX  monthly and it has been withdrawn every single XXXX of the month without delays or being late. The department of education continues to show collections activities with derogatory information which is damaging my credit and preventive me to qualify for a home which I am in so much in need for my children. I had tried to speak with them without resolving this matter. I dont think is fair. Yes I do have a student loan debt but it's being paid according upon agreement I do not believe it's fair continue this negative reporting when its incorrect and unacceptable.

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 2020-03-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Good afternoon I have student loans that are service by the department of education. XXXX. Originally they did a garnish on my account in where they collect close to {$1500.00} if not more then while they were garnish my payroll I started making monthly payments of {$20.00} which was decrease to $ 5 monthly and it has been withdrawn every single XXXX of the month without delays or being late. The department of education continues to show collections activities with derogatory information which is damaging my credit and preventive me to qualify for a home which I am in so much in need for my children. I had tried to speak with them without resolving this matter. I dont think is fair. Yes I do have a student loan debt but it's being paid according upon agreement I do not believe it's fair continue this negative reporting when its incorrect and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Back in XXXX, around XX/XX/, I got a notification from XXXX XXXX that there was a new collection reporting on my credit bureaus. So, when I went ahead to check XXXX XXXX it showed on both my XXXX  and XXXX  reports that there was one derogatory mark from a collection agency. After further research I discovered that XXXX XXXX XXXX, XXXX had put the collection amount for {$1000.00} onto my report and showed the original creditor 's name as XXXX XXXX XXXX XXXX. In addition, it also showed the first date of delinquency as XX/XX/2013. I have no recollection of ever obtaining a Payday loan in the year of XX/XX/2013 or earlier. This was a surprise to me and I knew that there was definitely a mistake. I reached out to the phone number that was provided for the collection agency. I was able to get in touch with a gentleman ; I don't recollect his name, who asked for my Social Security number but, I refused to give it, for security reasons. I provided my full name and Date of Birth and they were able to pull my information. I requested an explanation of what this debt was and where it was coming from. He simply stated that it was a Payday loan that I had taken in XX/XX/2013 and if I had a credit card and was ready to pay. I tried to obtain more information on who the original company was, which he refused and said that I could look it up on line and that this was the debt that I owed. I requested documents to be sent to me as proof that I owed this debt and to show my signature or information to support. He refused and got rude and demanded I pay right away. He hung up on me when I tried to get more information and explain that this was not my debt and I have no Idea of what it was ; what the Payday loan was.

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 2020-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IA

Complaint narrative:
I have an account at HSBC with $ 100k+ as initial deposit. They recently blocked my account access. They claimed it was related to a security concern. Today, I called and provided all relevant information and verification and they said my account would be available. Still, I have no online access to my account or my money. I had planned to transfer more money in, but now I just want my money back. HSBC is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I was contacted about a debt in XXXX for {$280.00} and spoke with someone from Midland Funding LLC who said that they had bought the debt from XXXX/XXXX. I told them someone was trying to use my information to open accounts, that I didn't request or authorize it. I think they said it was opened at a XXXX in Kansas ( possibly Massachusetts ), and let them know there was no way that could be me - I hadn't traveled there at all in XXXX, didn't authorize anyone else to use my information, and I also don't shop at XXXX. More recently I've learned that instead of removing the debt because of the identity theft/it not being owed by me, Midland Funding reported the status as in collection, and it's lowered my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meade & Associates, Inc.
State: IL

Complaint narrative:
I do not recall having this account. I have had identity theft in the past and I have always had a identity theft freeze on my account and dont know where this account came from.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: SC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau.  Please block and remove all information from my credit report, and send me an updated copy of my credit report. The items outlined in my dispute do not belong to me and is a result of fraud that I did not authorize. Im bothered by the fact your company sent me an updated letter stating you verified these inaccurate fraudulent accounts.I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely on this system because its not 100 % accurate. From my research on the FTC web site, you cant parrot information from the collection agencies, but you must perform a true investigation. The FTC also allows consumers to bring lawsuits against the credit bureaus for violating 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 2020-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lending Club Corp
State: CO

Complaint narrative:
Hello, I have a reoccurring monthly payment for my credit card consolidation loan. The monthly payments are {$300.00}. On XX/XX/XXXX, I called a spoke with customer service about making a payment larger than my monthly minimum. I asked for them to turn off my automatic payment so that I could make an online payment of {$1200.00}. In the recorded call I asked several times for the automatic payment to be turned off and I asked the customer service agent if my {$1200.00} would satisfy my XX/XX/XXXX payment requirement. He informed me that it would. On XX/XX/XXXX, {$300.00} was automatically withdrawn from my checking account. As a result, my checking account was overdrawn and I received a {$35.00} penalty. I called lending club. After waiting 45 minutes I spoke with a rep who said he could not help me. He transferred me to payment solutions. As my phone reach 2 hours and 1 minute of on-hold time, another customer service agent answered and informed me that this was not payment solutions. She noted my account and said that there was nothing they could do for me. She attempted to connect me to payment solutions and I was disconnected. I tried the entire process again and a third customer service agent informed me that my auto payment was turned off and that there was nothing else they could do. I did not authorize the XX/XX/XXXX payment and would like this returned as well as the overdraft fees I accumulate until this is corrected. the recored call on XX/XX/XXXX details all of the above stated. I attached a photo of my phone record for the 2+ hour phone call that was disconnected. Thank you for your help with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-24 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: NY

Complaint narrative:
I decided to check my complete, credit report and I saw mortgage companies that ran my credit. Which was never authorized. I believe that someone stole my information and is looking at mortgages and cars.

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 2020-03-24 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:
XXXX XXXX  is reporting false amounts to all the 3 of my credit reports! I have sent them certified mail in XXXX in which they signed for it on XX/XX/XXXX requesting how they come to the dollar amount they say I owed! It was a secured XXXX card and Ive paid them XXXX over that dollar amount starting XX/XX/XXXX thru XX/XX/XXXX in the amount of {$120.00} a month. Ive spoken to them by phone and Ive disputed the amount several times including in XXXX and XX/XX/XXXX and to no avail. Im running out of options! Its reporting on all three credit reporting agencies

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 2020-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I had called several times to the lender asking how to avoid interest fees and I followed the directions given to me over the phone and I was still charged enormous fees and I feel as though I was robbed and I am very disappointed. I also called and tried to strengthen this out and was told it would be and its still not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: Nelnet, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX USDOE/XXXX  XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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