vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA
State: IL

Complaint narrative:
Initially I saw an additional XXXX in student loan debt reporting on my credit report by a parent company whom acquired the loans several years back. When I first inquired about information to consolidate the loans the loans were reporting XXXX owed in total on XXXX, when on my credit report it stated XXXX. I requested more information to open a investigation into the loans by this company since they were not reporting the XXXX additional loans totaling the XXXX in addition which was not being reported to XXXX. The remaining loans that total XXXX I know to be true and valid, however the additional XXXX loans totaling XXXX I challenged the validity of them via the company 's dispute portal. I believed the loans to be potentially duplicates of when these accounts were initially acquired back in XXXX etc. I have since submitted my documentations supporting the facts stated and requested in full including but not limited to, all supporting facts and documents providing the validity of debt. They have since not providing anything besides a XXXX page document providing the signature of a unknown loan because they blacked the loan number references out when they sent the document over. They have replied stating they believe the loans to be true and accurate yet have not submitted the requested information to prove the validity of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
XXXX XXXX XXXX, with an address of XXXX XXXX XXXX XXXX XXXX, Colorado began contacting me on XX/XX/2021 regarding debt that a company I am part of owes, and has been making payments on for 9 months. 
On XX/XX/XXXX, during the first phone call they made to us they were informed that we already had an payment arrangement with American Express, and had paid off more than {$45000.00} of an original {$60000.00} balance in a span of 9 months. 
The gentleman representing himself as a lawyer, stated multiple times that he was a lawyer, that we were lying, and our only option was to work with him. 
He was instructed not to call us again, then we disconnected the line. 
Between XX/XX/XXXX, and Today XX/XX/2021, XXXX XXXX XXXX has called us 17 times that we are aware of. 
Today, we answered the call, essentially had the same dictation that was had during his first phone call. 
Again, We instructed him not to call us anymore, and that we were paying American Express Directly. We also informed him that we would be reporting his harassment. 
We possess a signed agreement from American Express clearly stating our payment arrangement, and have been making payments toward the debt owed long before anyone from this office contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My identity has been compromised by someone I do not know. Please feel free to contact me with any questions or concerns

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In reference to Wells Fargo letter responding to CFPB Complaint ID XXXX. 

In response to my complaint indicating discrepancies between the credit reporting bureaus of my current credit status and loan balances of my HELOC, Wells Fargo indicated that after a thorough review of my concern, they determined as of XX/XX/XXXX, that they were reporting correct information across all three bureaus. This seems to indicate that there has been no problem with Wells Fargo reporting promptly to the credit bureaus. 

Upon requesting a current credit report XXXX XX/XX/XXXX ) from all three credit bureaus, I have found another instance where Wells Fargo has not been promptly or accurately updating all three credit bureaus regarding my current credit history at Wells Fargo. 

According to the credit reports I received from XXXX, Wells Fargo reported on XX/XX/XXXX that the account was closed with a XXXX balance. According to the credit reports I received from XXXX and XXXX the credit information for the same Wells Fargo account was last updated on XX/XX/XXXX. Both reports inaccurately show that the account is still open and that I am an authorized user on the account, the credit utilization is 23 % based upon a balance of {$4200.00} of a credit limit of {$18000.00}. 

Is it normal for there to be a 4-5-month discrepancy in credit history reporting? 

Sincerely, 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 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: RI

Complaint narrative:
I opened a secured card with Discover XXXXo help build credit. I was asked to put {$500.00} down as a security deposit to be re-payed after demonstrating healthy credit management. I received an email stating that I had indeed demonstrated healthy credit management and that I should receive a check returning my security within XXXX business days. I never received the check. I reached out to a customer service rep and they said I had to wait XXXX  days to see if it was delivered. I was told I could receive the payment via ACH if I have a verified bank account. It has now been over a month since the check was " issued '' ( XXXX ) and I still have not received it. After reaching out again to check on the status of this check and ask for a ACH I was told that they have to recut a check ( XXXX days ) f then resend it and that I can not receive the payment via ACH. I am not interested in Discover earning interest for XXXX months on the money that should have been in my bank account over a month ago. Please advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-01 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: Holloway Credit Solutions
State: AL

Complaint narrative:
I just obtained a copy of my credit report and I was very surprized to see several unauthorized account that I had no prior knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to Santander Consumer USA requesting proof that all required noticed were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I also requested proof the reprosession was legal and in accordance with UCC 9-56 Effect of errors or omission, 9-611 notification before disposition of collateral, 9-612 timeliness of notification before disposition of collateral, 9-613 contents and form of notification before disposition of collateral I requested copies of the legal notices and proof of the commercially reasonable manner of the notifications and resale of the vehicle. I stated in my letter if proof is not provided within 15 days from receipt of the certified letter Santander must remove the account from my credit report. I verified the letter was received on XX/XX/XXXX to this date I have not received any of the requested documents let alone a reply from santander continues to report this invalid claim on my credit reports and is in violation of the FCDPA and FCRA. I also sent a letter to all three credit bureaus XXXX, XXXX, and XXXX  on XX/XX/XXXX advising them Santander is illegally reported on my credit report and I have formally disputed with Santander and have not received a reply. I only received a copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I requesting an investigation into the forbearance programs which are now blocking consumers from modification of the terms of my mortgage to make it more affordable. 

I am currently on a forbearance plan with Quicken Loans and attempted to obtain detailed information about their loan modification at the end of forbearance program more specifically, how can consumers modify the existing loan add any outstanding balance to end of loan and refinance at today 's lower rate. 

I am currently at 3.50 % percent, todays APR is around 2.38 %, so I asked for the criteria, requirements, process to modified my current loan, adding any outstanding balance to back of the existing loan and modify at today 's lower rate. 

Quicken Loan refused to provide any verbal or written information, told me it would be two sperate processes, I would have to add any outstanding balance to tail end of existing loan and rate, then and only then would Quicken Loans discuss or tell consumers how to qualify, apply or obtain current lower interest rates, which this is clearly a money making opportunity for Quicken Loans at the consumer expense. 

Consumer who successfully resume making monthly payment should able to add the outstanding balance to existing loan and modify under new lower rates without any roadblock, added fees or requirements anything less would defeat the purpose of the laws passed to help consumers therefore, I asking you to act quickly and provide assistance and relief to consumers and allow modifications of loans at new lower rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2021 I submitted a dispute request to XXXX, XXXX  and Transunion as I successfully identified some inaccurate information on my consumer credit file. On XX/XX/XXXX I received notice that my disputes were opened on my behalf, which is about 45 days from my initial submission. Today is XX/XX/XXXX and I have yet to receive an update.

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 2021-03-01 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: OH

Complaint narrative:
On XX/XX/2021 I submitted a dispute request to XXXX, Equifax and XXXX  as I successfully identified some inaccurate information on my consumer credit file. On XX/XX/XXXX I received notice that my disputes were opened on my behalf, which is about 45 days from my initial submission. Today is XX/XX/XXXX and I have yet to receive an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NPAS, Inc.
State: FL

Complaint narrative:
NPAS collection agency, working on behalf of XXXX XXXX XXXX XXXX ( XXXX ) is attempting to collect a debt I know nothing about. In XX/XX/2021 NPAS started calling about a hospital bill that wasn't supposedly paid ; two years after the birth of my child. XXXX has all of my insurance which has been provided to them numerous times. On XX/XX/2021, I spoke with XXXX and gave her all of this information, for the XXXX time! When I ask for a Reference Number, Invoice, bill or tangible documentation they say there is no Reference Number or Invoice, just call back in 30 days. 
Today I called to follow up and spoke with XXXX who said the claim wasn't paid because the information " couldn't be verified and now they could resubmit it to XXXX. '' Also, they've been trying to contact us numerous times during the month of XXXX which is documented in their system. This is a completely false statement! No one has called me to follow up or try and verify any information. Furthermore, when I asked what address the numerous letters were sent they gave me the old address ; which I updated on XX/XX/2021, with XXXX and numerous times prior to that. 
After I asked to speak with XXXX XXXX manager she transferred back to the switchboard and I eventually spoke to XXXX. XXXX stated, " they're sorry they had old information and they have to resubmit the claim. '' XXXX XXXX XXXX XXXX and NPAS and engaging in fraudulent and frivolous billing, deceitful tactics, not being transparent, and making false statements. I've given the Hospital and this billing company all of my insurance information numerous times over the past two years ; they've had this information since day one. If the hospital or NPAS didn't file a claim in a timely manner directly attributed to their failure then they can't debt me to debt collection two years later and have a debt collection agency engage in fraudulent activity while making numerous completely false statements and pretending to send the documentation that doesn't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2019, XXXX add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose. 
My written authorization. 
Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I had a credit card in 2008. The limit was XXXX. I authorize the credit card company to take {$25.00} a month out of my bank account until the balance was paid in full. About a year later I received a bill stating that I now owed over {$500.00}. I asked how that was possible since I was paying down the balance for a year, they told me they added membership fees, annual dues and late fees which increased the balance to exceeding the credit card original limit. I disputed the amount owed. They removed the debt from all three credit bureaus. Yet they continue to harass me. They have called employers, family members, sent letters. They call all the time to the point where I had to block them. They have even threatened me. It has been over 10 years and they continue to contact my employer and harass me. I am suffering from emotional breakdown from this. please stop them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have a loan that is serviced with Shellpoint Servicing, and the initiating loan company was XXXX XXXX XXXX in XXXX XXXX. When I call Shellpoint, the representatives tell me I have a commercial loan product and they will need to transfer me. They transfer me to a voicemail message that never returns my call. Also, their website does not function on the computer regardless of browser, and I have reported it to the company many times and they say they are working on it with no resolution. 
I recently found out that my property taxes are late. Not only are they past due but they are delinquent. When I purchased this property over XXXX dollars was collected for impounds. I have made my full payment each month on this loan, with the requirement of an escrow account, I have paid for taxes and insurance with my monthly payment to Shellpoint. There is no reason my taxes should be late or delinquent other than Shellpoint not managing my escrow account properly. 
I need help resolving this issue as I can not get ahold of anyone to help me at the company. Also fees have been accessed by the county for late taxes of which I should not be responsible for. Please help me get this cleared up. I have made all my mortgage payments on time with escrow payment, and now have tax consequences for the servicer 's errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CA

Complaint narrative:
XX/XX/2021 i purchased a netspend card loading {$150.00}. When I tried activating it i was informed to contact support. Upon contacting support I was then told I was not allowed to do business with netspend and they would send me my refund i a form of a check 7-10 business days. Well its been a month, Ive called them repeatedly and each time they go over the same information asking my address and so fourth to make sure my check is mailed to the correct address. Still no check, I called two weeks ago asking to speak to a supervisor whom then notified me they had the wrong address on the check that was mailed, which i was suppose to get on the XXXX of XXXX. So we go over the info again and i again give my correct address. Still no check. I called today XX/XX/XXXX and asked what was going on the cs rep then tells me there was a notation on my account statin that the address i provided wasnt the address I had originally activated my card with. I asked to speak with a supervisor and i was then disconnected. This has made me fail in my college courses due to these fund were meant for books that were required. This is crazy please help

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 2021-03-01 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: AZ

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX a ( 30 ) day late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and contacted XXXX and provided them with my updated contact information in addition to making my XXXX payment. I have never missed a payment on this account. XXXX XXXX XXXX incorrectly posted the payment and consequently this error caused a late to report. I was not aware that there was a late showing until I obtained a copy of my most recent credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Re : Bank of America. 
I went through financial hardship summer of 2020 I was late on payments but I never went a month without paying. BOA reached out to me and I told them what was happening that I was having financial hardship. I was told they would deferred my payments for 3 months and that I didnt have to make a payment until XX/XX/2020 I asked the representative are you sure and she said yes. Three months I saw that BOA went on my credit score I called BOA and they said that they sent out an email to me stating that I should make payment which the representative said it was the interest charge. I told her that I always get emails but I dont necessarily read them. I am now paying a high interest rate and my credit score is beyond messed up. Can someone 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 2021-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation