vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
My lender keeps advising that the reason they can't offer me another plan is because I failed my last modification. I never had a loan modification back in XX/XX/2020. It was a repayment plan. 

I am just asking them to properly review my loan. I have been waiting for over a year now asking for help from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2021 I was notified by email alert that a hard inquiry hit my credit report. I did not apply for any credit card or loan. The company responsible for the inquiry is Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Company was notified no action has been taken at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10 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: AES/PHEAA
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing lates for the month of XX/XX/XXXX to XX/XX/XXXX and in the month of XX/XX/XXXX to XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} Late/Close XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} Late/Close

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX   days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Incomm Holdings Inc.
State: WI

Complaint narrative:
Hi, On XX/XX/2022 I filled a dispute with Vanilla Visa about a stolen card that had charges not made by me. I had the card cancelled as soon as I noticed it gone from my room at XXXX XXXX in XXXX XXXX. After approximately 9 weeks Vanilla Dispute sent me e mail stating the matter had been closed without resolving the charges not made by me. Ref Vanilla Case Case # XXXX. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been blocked from uploading documents on the my Equifax dispute website and when I call them they are rude and don't wish to help. Also, transferred me to XXXX Equifax so that I don't rate their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have not applied for a credit card with Bank of America. On Tuesday, XX/XX/XXXX I received in the mail a VISA credit card from Bank of America. I can not find any phone number published that will allow me to talk to anyone at Bank of America about this problem. So instead I sent an email to them citing the illegal issuance of a credit card in my name and requesting confirmation in writing this account will be closed immediately.

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 2021-11-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Called about 5 consecutive times to get my money refunded for a plane ticket I purchased on XX/XX/2021 ( {$1000.00} ) for my mother to go to XXXX XXXX. ( Chase Travel reservation- Itinerary Number XXXX ) However, my mothers older sisters daughter got tested positive for XXXX which made all her family members to also be quarantined. My mom had to cancel her flight through me ( who purchased for her through Chase Sapphire ) and I made a call before the flight to cancel and get a full refund back. In order to get the full refund ( without the cancellation fee ) Chase told me to provided a required documentation for the airline which included my family members positive test result. I provided this information via email and havent received anything back. 

After waiting a few weeks and following up in the email, following up with a call twice, I called once again and wanted to get transferred to a supervisor from Chase. She told me she would get this handled within 72 hours and if I dont receive anything back by then, I would have to call again and provided me a direct number to call ( which was NOT a direct number to a supervisor, it was just a chase sapphire number Ive been calling the last 3 times ). I waited, got another email saying that Id need to provide the same exact documents that I have already sent. Sent over within a few hours, and waited MORE THAN 72 hours, didnt get any response back ONCE AGAIN. They have all the calls recorded, all the proof of our calls, they have them. 

I called Chase for the last time before writing this complaint. I told them, I dont want to explain myself again, and to go look for my case number and see why Im calling. They told me I have not sent the email and wanted me to send a proof that I sent the email. So I made a screenshot and sent the email back, asking them, what am I exactly waiting for and why is it SO important that I would have to send a proof that I sent an email back!? I waited more than 2 entire months for a refund on a plane ticket. I sent again the documents and the proof that I sent the email, and asked what exactly they are waiting for and why it takes 2 months for a refund to be processed and the supervisor said, I would have to call the airline to find out because they are waiting for the airline to approve the documents. 

After 5 calls, they are now saying I have to call the XXXX to find out. They told me theyll handle everything themselves and make sure I have the full refund back within time, but havent handled one single thing. 

Please report Chase Travel Center for not handling a client who has been waiting for a flight ticket cancellation refund to be processed for 2 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
During XX/XX/XXXX, I applied with US Bank to refinance my current loan with them. Company found problems accessing VIN verification document that should have already been in their documents from the initial finance. Since it had taken months, and no headway was being made, I queried my Loan Customer Service on resolution and she said senior leaders did not have a solution so I gave in. In XX/XX/XXXX, I received a notice of credit denial from US Bank. If the bank has initially serviced my loan and had all documents, I believe it is discriminatory to fail to expedite a refinance already held ny the institution, along with showing two credit accesses personally effecting my credit. Here I stand after months of waiting without a loan refi. 

Loan Application # : 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 monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
This company reported that I had a alleged charged off account as of XXXX. I have already disputed this account because they have been reporting a improper balance. They never provided the original contract that I owe the debt that bears my signiture. They never provided the purchase agreement which if requested by law they have to provide. Also they over the last few months since I requested validation they have ententionally been reporting mixed-up and confusing inaccuracies on my file. They have went from in collections to open account as well as reporting on my name that I am paid up to date then all of a sudden charged off. They are now reporting that I'm 119 days or 4 months past due on a charged off account. I believe I need legal representation. Because I belive my rights are being violated according to the fdcpa violations. I will upload proof of these preditory tactics that they are trying to use against my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: DISCOVER BANK
State: NJ

Complaint narrative:
Credit report shall present the information material enough to judge the creditworthiness of consumer instead of pursuing the maximum possible accuracy. As FCRA principle stated Reporting agency XXXX which I am complained must correct the report records if credit card business which I complained as well fail to perform the obligation of fair reporting principle. The amount involved negative activities on my credit report are under {$5.00} which due to mistakes made by business, however it causes my credit score dropped by almost 300 point, from XXXX dropped to XXXX. I am complaining that reporting agency XXXX fail to execute its obligation and its not fair demonstration of the creditworthiness on my credit character. 
secondly, I filed these disputes back to XXXX XXXX however the exact same negative account came back again on this year, and XXXX did not do anything to solve the problem but let me keeping filing dispute and waiting responses after numerous callings. Such misreporting lack of materiality should not be disputed at the first place. However XXXX let it drag down for 3 years and cost consumer damage because of {$5.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: AES/PHEAA
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing lates for the month of XX/XX/XXXX to XX/XX/XXXX and in the month of XX/XX/XXXX to XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
XXXX***** Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX***** Opened XXXX XXXX, XXXX Balance {$0.00} Late/Close

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
SunTrust Bank set up multiple accounts for me under the same login name. When I tried to close the accounts, the IT department of SunTrust bank explained the deficiencies in their banking platform that resulted in the difficulty of closing the accounts. First, the system should not have allowed the creation of more than one account with the same login. Secondly, because of the first oversight, when trying to close the account, certain fields in the database schema were unable to be extinguished fully, resulting in the accounts not being closed. To simplify, because of the bank 's oversights and antiquated IT infrastructure, my accounts were not closed when requested. This resulted in overdrafts and fees to the account. 

The manager of the branch assured me that they would take care of the fees since this was not my error. Unfortunately, SunTrust closed that branch ( XXXX XXXX in XXXX, VA ), and this manager was disappeared before fully fixing the problem. 

The account reached a negative balance by accruing fees of approximately {$290.00}, which fortunately did trigger closure of all the offending accounts. Then SunTrust referred that amount to their collection agency, for which they continue to hound me despite my multiple attempts to explain their error.

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 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I applied for a {$330.00} K rate and term refiance for a investment property on or around XX/XX/2021. They sent out discloures on XX/XX/XXXX verifying my info. All reuested documents where sent to them by XX/XX/XXXX. They gave a condition list on XXXX, all conditions where sent in and signed off by Underwriting. They approved the loan CTC. 

The loan seized activity past that point, calls went unreturned, emails not answered, as my agent tried in desperation to assist me and reach higher level managment for assitance. I myself filed a complaint with client services 3 times that also went unresponded. 

I would suggest that the State please look into this as this company has commited major compliance violations and many people online XXXX, XXXX, XXXX, report similare experience 's They bascially abandoned my loan with no proper discourses of explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I closed my bank account at Regions Bank on XX/XX/XXXX. They have now reported me to collections for a {$25.00} overdraft fee. I went to the branch location on XXXX XXXX XXXX, XXXX, GA XXXX and had a banker close the account in person.

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 2021-11-10 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: GA

Complaint narrative:
To whom it may concern, I have tried over and over again to get accounts removed from my credit file that do not belong to me and in addition was not opened by me. I need your help in getting these items removed from my credit file : The following items are not mine : XXXX/XXXX  - Bal : {$0.00} on ( TU XXXX XXXX XXXX and {$2100.00} XXXX/XXXX - Bal XXXX {$0.00} XXXX TU & XXXX XXXX XXXX Bank XXXX XXXX XXXX {$16000.00} ( XXXX & XXXX ) XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX Bal XXXX {$2200.00} ( TU & XXXX ) XXXX XXXX  - {$8700.00} XXXX TU, XXXX, XXXX ) XXXX XXXX  XXXX {$2200.00} 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 2021-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: UT

Complaint narrative:
On XX/XX/2021 TSI ( Transworld Systems Inc. ) called me in regard to an alleged medical debt. I asked the representative to identify themselves and who TSI is. They refused unless I verified my own name. They did not notify me they were attempting to collect a debt. All they told me was that they are " TSI ''. They never mailed me any information about the debt. They did not give me any information about the debt. When I asked again what TSI is, they hung up. 

They use overseas call centers to collect unsupported debts from hardworking Americans. On top of this, they add insult to injury by being rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: NJ

Complaint narrative:
Hello, Due to the pandemic I was recently under a forbearance of my mortgage payments. According to the CARES Act, Pub. L. 116-136. this should not be reported to credit agencies. Despite the law my lender - Caliber Home Loans reported it to all 3 credit agencies. 

On XX/XX/2021 I have called the lender, asking to remove the record from my report, but they said I have to file a dispute with Experian Reporting Agency. I have called Experian and they said that they dont initiate any disputes. This is also a clear violation, as they have an online system and an entire department that must take care of disputes. 

This bad record is preventing me from getting an additional loan or a mortgage, as my application was already rejected by a couple of lenders. Please help me to get my reports cleared, as required by the US law. 

Supporting documents : 1. Please find attached my credit report from Experian, dated XX/XX/2021. 
2. Also, please see attached the relevant reference to the CFPBs clarification of CARES Act. 
3. Please refer to the CFPB website : https : //files.consumerfinance.gov/f/documents/cfpb_fcra_consumer-reporting-faqs-covid-19_2020-06.pdf Thank you, 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 non-monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I am the victim of people of bad faith. I never received anything from them, neither invoices, nor reminder since the address they were using was false. 
when i finally received a letter from their service through my postman i immediately contacted them, paid and received payment confirmation on XX/XX/XXXX at the correct address. 
How could I pay an invoice that I do not receive. and this is valid for the whole ARS file. ( 6 ) It seems to me that my dispute is perfectly founded and I request the total erasure of these inscriptions. 
I am considering hiring a lawyer but I am awaiting your decisions.

Company response to consumer: Closed with explanation