vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
This bank ( Select Portfolio Services , Inc. ) says on its website that it offers assistance programs for distressed borrowers. We have applied twice in 2 years since our income is down 40 % from the time we began the loan. After spending 2 months providing detailed and copious amounts of financial documentation, the bank says that our type of loan does not qualify for any home retention loan modification based on what is written in the service agreement. So it really doesn't matter how much distress we are in or that we are in distress at all. The decision was not based on ANY of our financial data that we most dutifully submitted in a timely manner. The decision was based on a boilerplate clause deep within the service agreement. That should be illegal. 
The other issue, is that we are not allowed to contact the lender directly as SPS XXXX Inc. is only a servicer with little or no authority. Our loan was at some point chopped up and blended in with other loans to be sold in a tranche as part of a CDO security. This basically means there is no company lender to talk to. What is left over is a pool of investors in the security that is overseen by some banker or attorney that works for the bank that can't really make any decisions on one particular loan in the portfolio. There needs to be much more transparency and consumer protection for the borrower regarding these CDO placements. We feel we were set up from the beginning to be offered no help no matter what our circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/2018 my credit report was pulled without my consent as an attempt to open an account under US Bank. An account was not successfully established to my knowledge but this hard inquiry reflects on my credit profile and after contacting US Bank on more than one occasion they could not assist with resolving this matter.

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 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Good Afternoon, I would like to let you know that for some reason my JPMorgan Chase Bank ( https : //www.chase.com ) Slate XXXX  credit score graph ( few months record ) was lost as of XX/XX/2016 or sometime earlier. Please see following message from JPMorgan Chase Bank representative XXXX XXXX ( Chase Card Services ) on XX/XX/2016 from JPMorgan Chase Bank secure message center : I would like to share that graph tracks XXXX  Score each month, starting with first month customer enrolls into Chase Slate Credit Dashboard. Graph history will be lost if you unenrolls from XXXX scores. Also, please see following message from JPMorgan Chase Bank representative XXXX XXXX ( Chase Card Services ) on  XX/XX/2016 from JPMorgan Chase Bank secure message center : Let me share that we have replied to you on XX/XX/2016 at XXXX XXXX  EST. As per you earlier email, we have shared that graph tracks the XXXX  Score each month, starting with first month customer enrolls into Chase Slate Credit Dashboard. Graph history will be lost if you unenrolls from XXXX  scores. Would you know why I had to enroll on XX/XX/2016 in to JPMorgan Chase Bank Slate XXXX credit score option for second time in order to see my JPMorgan Chase Bank Slate XXXX credit score? I  remember enrolling in to JPMorgan Chase Bank Slate XXXX credit score option account ending XXXX shortly after I opened my credit card account with JPMorgan Chase Bank Slate account ending XXXX. Originally, I was able to see my XXXX credit progress graph on my JPMorgan Chase Bank Slate account for few months. However, when I enrolled XX/XX/2016 for second time JPMorgan Chase Bank Slate XXXX credit progress graph disappeared and it showed only JPMorgan Chase Bank Slate XXXX credit score for one month, which was XX/XX/2016. As of XX/XX/2016 my credit score according to JPMorgan Chase Bank Slate XXXX score was XXXX. I do not recall that I would ever have cancelled JPMorgan Chase Bank Slate XXXX credit score option in the past. My internet service provider XXXX account number was XXXX. Attached please see 12 documents. Please let me know if you have any questions. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I called Experian to dispute an address that I advised them that was incorrect and asked them to remove it. The address of XXXX XXXX XXXX XXXX XXXX Ga XXXX. I spoke with XXXX the male rep who refused to remove the address because he stated it was linked to an a closed account. He also stated that this one closed account is the only account reporting the incorrect address. I asked him to dispute the address per my FCRA rights, as Id advised him it is incorrect and he refused again. He told me the closed account that the address is linked to had not been updated in five years. I again advised him that this is an incorrect address and to delete it. He again refused. I then asked to speak with his supervisor for further assistance, in which I was placed on hold for an additional 20 minutes before I ended the call due to a long wait. I was on the call a total of 1 hour trying to dispute this inaccurate address.

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 2020-04-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One states they " resolved '' the issue by adjusting the current payment due on this account, but still reported the account as 30 days late to the credit bureaus. 

This is in direct violation of the CARES Act, as companies were instructed not to report any late payments during this time for borrowers who requested additional time to make payments due to loss of income. Our attorney is continuing in his filing of a class action lawsuit against Capital One for their refusal to abide by these guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY 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 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Dept of Ed / XXXX, XXXX XXXX, and XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to TransUnion regarding my credit profile. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX XXXX  and XXXX/XXXX XXXX/XXXX   reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, names, and employers corrected on my report as this is a violation on my consumer protection rights

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 2020-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I received a bank statement letter from HSBC in XXXX, 2020. The statement shows that I have an account with a beginning balance of {$750.00}. I have never opened an account and deposited any money with HSBC. I wondered where the {$750.00} came from, so I called HSBC on XX/XX/2020. 

A lady from HSBC talked with my husband and I and misled us into opening the account. When we asked her who deposited {$750.00} in the account, she said it was credit. We were confused by this statement, and grew suspicious. 

We asked her, " Is there a monthly fee we need to pay to claim the money? '' She said, " Yes, if you open an account and deposit less than {$75000.00}, the bank will charge you a monthly fee of {$50.00}. '' Both of us realized that they were committing fraud and I immediately told her to close my account on the phone and protect the personal information I gave to her, but she said closing the account would come at a cost of {$25.00}. I would appreciate it if the CFPB could support me and help me close this account with HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have been asking for Validation of a debt that I was told I owed and in asking for validation I have not yet received anything from this company. I know they have received my validation request because it was sent to them certified and was signed for by a company representative. 
I received a Invoice, dated XX/XX/2020, in the amount of {$240.00} for a hospital service that was handed out to a person I don't know. On XX/XX/2020 I wrote them a letter stating that the debt did not belong to me. I also requested a prompt response wich I never got. Now, I called them since they reported to the credit report agencies that have apparently tried to collect it for 3 times. I talked to one of the representatives and he said he has no way to verify if my letter was received and gave a phone number to call. 
I called the # a few times leaving a voice mail and so far I have not received a single phone call. THE LETTER disputing THE CHARGE WAS CERTIFIED MAIL AND IT WAS RECEIVED BY THEM ON XX/XX/2020 AND THAT MEANS IT DID NOT ECXEED THE 30 DAYS NOTICE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I recently sent a request for validation not verification letter to XXXX XXXX XXXX XXXX XXXX. I received back a generic letter stating that they reviewed the dispute and verified the information listed on the account which verification and validation are 2 different things.

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 2020-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Issue with Wells Fargo trying to increase my escrow monthly payments on 2020. Wells Fargo claims that my escrow account will be unfunded. However, according to my calculations, by keeping with current escrow payments, added to the escrow balance as of XX/XX/2020, and after paying taxes and home insurance, there will be an actual surplus of {$3700.00}. Neither my taxes nor my home insurance will increase this year as a matter of facts, taxes will be decreasing by {$270.00} this year. Details and numbers bellow : Escrow balance {$5100.00} As of XX/XX/2020 Escrow remaining 2020 payments {$13000.00} As of XX/XX/2020 8 payments of {$1600.00} Total Escrow deposits end of 2020 {$18000.00} 2020 Taxes ( {$12000.00} ) 2020 Home Insurance $ XXXX XXXX ) Total 2020 payments ( {$15000.00} ) Escrow surplus ( deficit ) {$3700.00}

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 monetary relief
Consumer complaint received 2020-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I did not apply for a auto loan with Bank of America in XXXX of 2018. Bank America has not provided no paper work with my signature nor contract showing my information me applying for a car loan. I have gotten nothing but the run around with fraud by Bank of America bogus made up loan for a auto loan threw them in which i have or did not apply for. If bank of america is so legit why has there been no paper or loan papers provided by bank of america regarding the matter showing my signature and proof. It seems it's just some bogus talk some one is going to call back with no return regarding the matter. I want to see what dealer and my signature applying for a loan with bank of america.Bank of america has not responded to me by no means of no letter or call if so please provide proof by the US Post office of any mail sent certified or my signature. It seems like a lot of games by Bank of america regarding this fraud of a loan in 2018. If bank of america mailed me a letter as they claim or they claim they cant get in touch with me which lie is it with bank of america. One lie after another

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 2020-04-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
In a letter dated XX/XX/2020 Huntington Bank informed me my CD was mature on XXXX XXXX. On XX/XX/XXXX, XXXXI called the bank 's number on the letter ( XXXX XXXX ) to ask how to cash it in. The lobby was closed to customers. I was told I had to call the branch to make an appointment. I was given the number ( XXXX XXXX ). I received a recorded message to leave a message and my call would be returned in 24 hours. By Friday XX/XX/2020 I had not received a call back. I called the 800 number again. The lady told me she call the branch and have them contact me. I also asked to speak to XXXX XXXX on the Customer Advocacy Team. I have a letter from her from a previous complaint. XXXX XXXX was not available and info was left for me to be contacted. As of today I have not been contacted by ANYONE. I want to cask in the CD but the grace period will be passed soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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:
on XX/XX/2020 I called on numerous occasions to get answers about the misreporting of my personal credit score to the Small Business Administration. They have been reporting my score more than 95 points under what they are showing me in my Experian  Membership Profile. My Report Score on Experian Membership Profile : XXXX as of XX/XX/2020 however the letter from the SBA says the Experian Credit Score : XXXX as of XX/XX/2020. That is a very significant difference. Each time that I have called they have found some reason to transfer me and place me back on hold for extremely long periods of tine WITHOUT even asking me what my issue is. After waiting on hold for a Supervisor over 1 hour today, she then proceeded to also answer the phone and insist that she could not help me much before even listening to my issue. She REFUSED to listen. She then hung up in my face! Her name is " XXXX '' and I called GA. This has got to stop, these people are supposed to be there to help customers however they are becoming just as evil as ever before 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 2020-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
We had a vehicle totaled with USAA. The USAA insurance finally paid the USAA auto loan to pay off the loan. It is currently showing as a XXXX balance. The agreement has been signed and was originally sent over 3 weeks ago. I contact USAA to get the over payment back. They took an auto payment they should not have and are now saying it will take over 2 weeks to process the refund of the payment. This is unacceptable. They continually advertise their fast and actuate claims payouts. I have not seen this at all. Now these incompetent people are refusing to issue a refund in a timely manner. The payment has posted to the account so they obviously have the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: TX

Complaint narrative:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company regarding the derogatory information being reported to my credit bureaus. My first Debt Validation letter was signed and received by them on XX/XX/2020. I received a response letter that listed itemized medical procedures that BELONGED TO SOMEONE ELSE. My second letter, replying back to the clear HIPAA violation and lack of Validation, requested them to mail me a deletion letter. I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
RMP LLC CALLED ME TODAY ABOUT DEBT, DIDNT VERIFY ANY INFO ON THE PHONE BUT TOLD ME I OWED A DEBIT.. VERIFIED THEY HAD THE WRONG ADDRESS.. ASKED IF I COULD TAKE CARE AND GET REMOVED FROM MY CREDIT AND THEY TOLD ME NO.. I HUNG AND CALLED BACK THE NUMBER THAT CALLED ME ( XXXX ) AND SAID THE NUMBER WAS DISCONNECTED.. SO I THOUGHT WAS A SCAM ... LOOKED UP THERE NUMBER.. CALLED BACK TO UP DATE MY ADDRESS AND GET A BILL THAT IVE NEVER REC. ONE OF THE REPS SAID THEY WAS CALLING FROM HOME THAT WHY THE NUMBER CAME BACK DISCONNTED.. THATS A LITTLE CONSIRING TO ME THAT MY PERSONAL INFO IS AT SOMEONES HOUSE ... WHICH SEEMS WRONG AND EVERY WITCH WAY ... CAN YOU PLEASE HELP ME..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XX/XX/XXXX I took a Parent Plus loan for my daughter to attend college. I borrowed {$21000.00} I have paid back {$31000.00} over 20 years, which is 50 % more than I borrowed. During the course of the loan I had to get forbearance and deferment due to lack of work and reduced wages. When I called to discuss this they did not disclose the amount of interest that would accumulate over the course of the loan. I am now retired and living on social security which makes it difficult to make the large payments they are requesting. Today the balance of this loan is {$61000.00} not being paid off until XX/XX/XXXX paying back a total of {$100000.00}. It does not seem practical that I should have to pay back 5 times the amount of the loan. I feel that I have satisfied my debt. I think they should forgive the balance of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have contacted Experian credit directly through their " Dispute '' portal to information them of the inaccuracies on my credit report. My credit report is showing an address of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, IL XXXX. These addresses are incorrect and should not be on my credit report. My correct address is XXXX XXXX XXXX, XXXX, IL XXXX, in which I have lived at this home since 2002. I have attached the report that shows the address errors as well as my drivers license.

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