vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
we have been making payments to the company and they are not crediting us for the account but still charging us financial charges and then refusing our payments and are not responding when we ask why, we have emailed and talked to them on the phone and still we get no place. its affecting our credit score and our bill goes up and they offer no line of credit, they our a company that bought the loan off contrywide home loans. and we never agreed to any terms or did the ever try contacting us. we are sending money to servicing and they accepted the first payment then refuse payments after that money sent to servicing on a weekly bases and they did accept and credit account then refused the other weekly payments this is not right please help as they are hurting our credit score and we are unable to refinance due to them

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 2021-10-04 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: NC

Complaint narrative:
I have notified Transunion that the following account information is fraudulent WITH MY FTC report, yet they still have them on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX OF XXXX {$320.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$5500.00}

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 2021-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: MD

Complaint narrative:
I was unable to get onto the site to make my XXXX payment. I called the company and they said they were having problems it should be fixed shortly. I was finally able to get onto the system and when I did, I noticed that the company was incorrectly reporting my payments as late when they were paid before time, almost two weeks ahead of time. What I noticed is that many of the payments showed more of my payment going towards interest when more should have been going towards the principle when the payments are early. I spoke to a representative names XXXX on XX/XX/20 about the issue and asked for an audit of the account and I had not hear back so I decided to call back today. When I called today I spoke to someone named XXXX and she reviewed the notes and read me a note that a manager made that agreed with my assessment of the situation but no resolution! I said I wanted to escalate the issue further she had me on hold but finally said she will have someone call me because everyone was on a call. I would like a thorough audit of my account and a copy of the audit. Because I believe more of my principle would be paid if the division of my payment was correctly posted to my loan repayment. The copies attached are only a sample it does not include all of the payments that are reflected incorrectly!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
Credit Management LP has place 3 medical collection debts on all three of my credit reports and when I found out I immediately reached out to them and informed them that my bills were written off from the hospital and the letters forwarded to physician 's office. I explained that the debt is not valid not owed and has ruined my credit I never received any letters from this creditor regarding this debt nor asked for my letters that they were indeed paid. The original creditor of these accounts were XXXX XXXX XXXX XXXX XXXX and the dates of services were : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Referrence # - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent letter back in XXXX by certified receipt and it was also signed for with receipt Ive attached a copy of the receipt with tracking numbers as well I asked for method of verification used and receive no response its been longer than 30 days Im requesting removal of account t

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XXXX XXXX more than 45 days ago I sent a letter to the credit reporting agencies regarding some false misleading information that should be excluded from my report. As of today I have not received any response regarding my concerns and I feel as I'm being ignored. I as a natural person ( consumer ) who is protected under federal law demand these accounts be removed from my consumer report immediately. If no action is done I will seek legal action for the Violation of my right. I have attached verification of my identity so please don't say you are not able to verify me. Also I am not being represented my any 3rd parties so lets not play these games to delay the process. The law states clearly you must allow 30days to respond not 45 nor 60.

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 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
All credit bureaus reported on XX/XX/21 that comenity/express pulled my credit today. This is a hard pull. I did not recently apply for a new card or more credit from any company including Comenity bank/express . I asked company in writing and via phone call to please research and remove this from my credit reports. I spoke with customer service department at this company, also the fraud department at this company and the applications department and none were able to help me. The applications department said they had no recent applications for credit on file under my name. I was told to contact each credit bureau to report fraud and that there was nothing Comenity bank/express could do to resolve this issue for me.

I do have an active express account which I have had for 10 years and there are no known issues with that open account. 

I just want this recent hard pulldated ( XXXX ) to be removed from my credit reports. I would really like to know root cause of this issue so responsible party is held accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My rights are continuously being violated! There is currently still misreporting on my credit report and the credit bureaus have neglected to delete or respond to! These violations have gotten out of hand and need to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: VA

Complaint narrative:
XXXX  XXXX continued to bill me for the residence I was in at The XXXXXXXX XXXX XXXXXXXX after I had canceled my service and moved from the location. I called many times to have XXXX  XXXX remove this charge yet they did not. Then, when I received the collection notice I disputed it with still no avail. Next thing I knew the collections company National Recovery Agency XXXX PA sent it to the credit Bureaus. I have a letter from The XXXX stating when I moved prior to the incurred utility charges in question. Despite all this I paid the collection agency so it would not be sent to the credit bureaus yet it was sent anyway. XXXX  XXXX never sent me a cancel confirmation when I canceled my services and never followed up with any cancellation notices in the multiple times I requested them to do so.

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 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
ON FRIDAY, XX/XX/XXXX. AN AUTOMATIC PAYMENT WAS INADVERTENTLY PROCESSED TWICE. i NOTICED IT WHEN i CHECKED MY BALANCE ON MY MOBLE BANKING APP. i CALLED MY BANK IMMEDIATELY AFTER i WAS UNABLE TO CONTACT THE PAYEE. i WAS TOLD THAT BECAUSE THE PAYMENT ( S ) WERE PENDING, THEY WERE UNABLE TO STOP THE SECOND PAYMENT FROM COMPLETING. i WENT TO THE BANK AND SPOKE TO THE MANAGER AND EXPLAINED MY SITUATION - THAT MY RENT WAS DUE THE SAME DAY, AND MY FUNDS BEING HELD UP WERE PREVENTING ME FROM PAYING ON TIME, AND THAT IF THIS WASN'T RESOLVED BY END OF BUSINESS, I WAS GOING TO HAVE TO PAY AN {$85.00} LATE FEE, AS THERE IS NO GRACE PERIOD. THE MANAGER TOLD ME THAT THEY HAD TOO MANY ISSUES STOPPING PENDING PAYMENTS IN THE PAST, SO THEY STOPPED THE PRACTICE. APPARENTLY, PEOPLE WERE MISUSING IT. I EXPLAINED THAT I HAD BEEN A CUSTOMER FOR YEARS AND IN GOOD STANDING. THEY COULD CLEARLY SEE THIS PAYMENT HAS COME OUT EVERY OTHER WEEK, WHEN MY PAY CHECKS ARE DIRECT DEPOSITED, AND IT WAS CLEAR THAT THIS ONE HAD PROCESSED TWICE. THE END RESULT WAS I HAD TO PAY THE LATE FEE, BUT WAS FINALLY ABLE TO CONTACT THE PAYEE, WHO INFORMED ME THAT THIS WAS A GLOBAL ISSUE OF PROCESSING DOUBLE PAYMENTS. THEY WERE ABLE TO REFUND THE SECOND PAYMENT, BUT NO ONE HAS BEEN ABLE TO COMPENSATE ME FOR THE {$85.00} LATE RENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
My parents died and so did my brother and I was left to pick up all the pieces on my own. I was unware I had to go through probate because of the way the attorney created the trust for my parents. I went through several different attempts to obtain a loan and it did not work. I did not know why no one would explain until finally a title representative told me its because of the working on the trust. I am the last trustee on that trust and am now going through probate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have not been late on my mortgage since XXXX. So, at the end of XXXX ( maybe XXXX ) I applied for a loan modification. They needed a particular document that I could not get until XX/XX/XXXX. So, in XX/XX/XXXX I applied again for the for the loan modification. It was approved. In XX/XX/XXXX ( i believe ) I began making the new loan modification trial payment. I always pay my mortgage the last week of the month prior. So mostly a week early. On XX/XX/XXXX when I went to make my XX/XX/XXXX trial payment I could not. At that time I was advised that my modification was denied because I was sent documents in XX/XX/XXXX and that I did not return the documents. These documents according to XXXX agent # XXXX, were the original docs that I had already submitted and returned notarized. I was told that the docs were sent via XXXX XXXX. I asked them to check the tracking because I never received any documents. Each time I spoke with XXXX agent # XXXX. She stated that she checked the tracking number and that it never left XXXX. I then asked if she could roll this up to her managers because I had been very careful to do everything that was asked of me. She told me that XXXX XXXX agent # XXXX was the one that needed to revised the decision. Again to no avail. On XX/XX/XXXX I spoke to XXXX again who told me that she spoke to her supervisor, XXXX XXXX. That XXXX XXXX was going to reach out to XXXX XXXX directly yo see why docs were resent that I had already signed and sent in. And to see why I was denied. Again no resolve. On XX/XX/XXXX I was then told that needed to complete another loan modification since that one was denied. However, I was never given a reason or any assistance. Then I received a late payment on my credit report. And I had to pay XXXX over {$16000.00} to get my account current because I was afraid they would take my home because I began getting nasty collection calls. Then to add even more insult. After I paid the $ XXXX they sold my account to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been fighting an ongoing battle to fix my credit reports and XXXX reports due to previous and existing identity fraud. I also have been arrested and charged due to fraudulant actions committed by whomever stole my identity. These charges have been dropped and I am not convicted of anything. I have documentation of all processes and time frames. I have filed all legally required and proper reports and yet these companies and banks are still refusing to fix my credit and consumer reports and have banned me forever from using there products. 

BANK OF AMERICA, review my complaint I made about XXXX regarding you below! 

" The specific complaint I have for this company, XXXX, is that they default to side with these companies and banks no matter what, and there requirements for verified data from them is not acceptable. Regarding account Bank of America and XXXX they both fall under same category. I am more concerned with Bank of America as they are reporting that I am engaging in check fraud and was verified by the state of florida, which is false and considered libel and slander! Especially since all charges have been dropped. I asked XXXX to fix this twice and they refuse. A police report is not legally required only required report is a law enforcement agency report and/or government agency report. This requirement has been fulfilled and they and other banks are refusing to accept this. The reason I can not aquire a police or sheriff report is due to the fact that I am not allowed to due to my original charges and they refuse to do so, According to my local law enforcement. I assume I can't go 3 counties over or go to Alabama to find any place station so that's why. I would contact fbi if I could but you and I both know they won't take a report from me. XXXX needs to be more loyal of consumers and there complaints than to companies. I want this fixed NOW! ''

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 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA closed a checking account that Ive had for 15 years! I, XXXX XXXX, am the consumer original creditor, natural person pursuant 15 USC 1692 a ( 3 ). I extended my social security credit card to open up this checking account which authorizes me as the original creditor/ account holder. Closing this account without written instruction of the consumer, myself, is a violation of 15 USC 1681b ( a ) ( 2 ). This is also a breach of my privacy and is discrimination! Due to financial hardships which i conveyed to USAA i have no money. Pursuant to FCA - Financial hardship is not grounds to close a persons checking account without their permission. Pursuant to Federal Law 15 USC 1681 ( n ) ( a ) i am invoking specified remedy as a consumer. I demand my account be reopened with a positive balance. I am willing to settle outside of court but if my demands are not honored and fulfilled. I will be invoking specified remedy as a consumer demanding monetary relief of {$5000.00} for damages, defamation of character, violation of privacy, my rights as a consumer and the erroneous reports that hurt my credit worthiness as well as raised the cost of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XXXX XXXX more than 45 days ago I sent a letter to the credit reporting agencies regarding some false misleading information that should be excluded from my report. As of today I have not received any response regarding my concerns and I feel as I'm being ignored. I as a natural person ( consumer ) who is protected under federal law demand these accounts be removed from my consumer report immediately. If no action is done I will seek legal action for the Violation of my right. I have attached verification of my identity so please don't say you are not able to verify me. Also I am not being represented my any 3rd parties so lets not play these games to delay the process. The law states clearly you must allow 30days to respond not 45 nor 60.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I rented a vehicle thru XXXX on XX/XX/XXXX ( charged from account on XX/XX/XXXX ) for a trip out of town on XX/XX/XXXX. We rented a vehicle because our car wasnt big enough for our entire family to avoid 2 vehicles. 

We showed up at the airport to rent the car and they told us at XXXX XXXX  that we needed a credit card ( I didnt have one with me ) but didnt think I would need it as I already paid in full. They kept quoting this was airport policy and I either needed a plane ticket or a credit card. I had neither. They told me that my funds would be returned and REFUSED to give me a car. 

I had to drive around and find another place to rent from. After 3 hours we rented a car from XXXX and paid significantly more than the {$200.00} I was supposed to pay thru XXXX. 


I waited several weeks to see my credit apply and it never did so I placed a claim thru my bank in mid XXXX. This weekend the temp credit they gave me reversed AND Chase Bank charged me {$34.00} fees for other unrelated {$10.00} charges. Now my account is overdrawn nearly {$300.00}! For a car rental I never received and had to pay almost double for. 

I called Chase and they said that XXXX said I needed to cancel 15 days in advance and thats what their response was. I expect my bank to do more investigating its not even a common sense reversal reason. I didnt even book my trip with XXXX until XX/XX/XXXX and Chase could see my charge didnt come out of my account til XX/XX/XXXX. How could I cancel 15 days in advance when I didnt even rent the car until 7 days in advance? Also, I DID NOT CANCEL the merchant did! Chase can even see on the same card I had to rent another car for more on XX/XX/XXXX from XXXX. This is sloppy investigating and even sloppier charging practices. They reversed this on the weekend and let some stupid little {$10.00} charges over draw my account even more and had the NERVE to charge me fees when they did a shoddy job investigating. 


I am providing proof that I didnt rent from XXXX until well within their 15 day cancelation, proof I had to rent a car a different place for more ( XXXX ) on XX/XX/XXXX and proof that Chase saw these dates based on the charges so they absolutely shouldnt have accepted this nonsense response from XXXX before debiting my account and then charging me fees. I also supplied a picture of my XXXX reservation ( The place we were staying showing my trip was for XXXX ). Clearly it wasnt me that canceled. I am not paying for a car I didnt get and an experience that ruined my trip and caused us to be hours late to start our vacation!

Company response to consumer: Closed with monetary relief