vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I need to provide a copy of my credit report and credit score to a landlord as part of obtaining rental housing. I went to the Transunion site and the XXXX   site. 

I was able to get a copy of my credit report from XXXX XXXX XXXX fairly easily, however, it doesn't contain my credit score, which is required by the landlord. 

In order to get my score, TransUnion requires me to sign up for a {$20.00} / month monitoring service that I don't want ( and only allows me to see my score on screen, I can't download a file to share with anyone ) or to pay {$9.00} for a one-time report in PDF. 

The Transunion Monitoring service sign up process collects my credit card information without ever disclosing the cost of the monitoring service or how I can cancel it - my card was charged {$19.00} before I was aware of the cost of the service. Transunion also does not make clear that the Monitoring Service does not allow a download of a PDF. 

When I called TU customer service - I worked with XXXX # XXXX - he was pleasant to speak with, but clearly was under instructions and training to make it difficult for me to simply get what I needed - my credit report and score - without signing up for paid services. When I cancelled the monitoring service the same day - because I realized that despite paying {$19.00} / month I couldn't simply download a PDF of my score and report. I was still charged for the first month and had to insist multiple times that he actually cancel the account ( he tried to upsell me multiple times ). When I asked to speak to a supervisor, I was told that the supervisor 's systems were all down today and that if I needed to speak to a supervisor, I would have to call back tomorrow. 

the FCRA should be amended to require that all consumers get access for free to BOTH their score and their credit report once a year. It is ridiculous that reporting agencies can get away with only providing the report but not the score.

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 2019-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/XXXX, Synchrony Bank sent me an email about my credit card saying, " We noticed that after we sent you a new Sam 's Club Mastercard last year, you continued to use your old card. This new card replaces your old Sam 's Club Mastercard. The old card will be deactivated soon and you will no longer be able to make purchases on it. '' When I rec 'd a new card ( expires XX/XX/XXXX ) I cut up my old card. So I obviously wasn't using it, so this email immediately made me nervous, believing someone was using my account with the old expiration date/security code from rear of the card. 

I called Synchrony Bank, spent way too long getting past their automated answering system, which said they were experiencing long wait times. ( To me that means they either did something that caused a lot of their customers to call in or they are understaffed. 

When I finally got a real person ( who obviously did not speak XXXX as his native language ), repeated all the info I had already given the automated system ( Seems like the purpose of the system asking is to keep you distracted so you don't realize how long you have been waiting ) and told him the purpose of my call, he said no one was using my old card, Synchrony Bank had sent this email to ALL their credit card customers! 

I told him that was unacceptable to think it was ok to send a bogus email containg lies to customers that makes them think someone is using their credit card w/o authorization and I may as well be doing business with Wells Fargo. 

I asked for the name & contact info of the gov't agency overseeing banks & credit cards but he wouldn't. When I said it was the FTC & I would look it up, he suddenly " remembered '' & gave me the phone number. 

Does the FTC allow banks to send such lying emails to credit card customers?

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 2019-07-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/19 I made what was deemed a purchase to an online company called XXXX XXXX XXXX, XXXX XXXX   XXXX with my XXXX XXXX XXXX Mastercard for XXXX. On the website it stated a XXXX fee was to be charged. 
As I do very month when my statement was posted online I paid my balance in full. I later saw that interest and a XXXX were being charged on my account as well. I called Barclay 's bank and was told that was due to my cash advance with XXXX XXXX. I told them I didn't authorize a cash advance, was never informed that this charge was one and hadn't done so in 35 years. 
I told Barclays I wished to dispute this charge, I was put on hold during which time I attempted to contact the merchant several times to no avail. A simple XXXX search listed numerous complaints of predatory practices against this company. 
When the customer rep returned they stated to contact the merchant and they wouldn't be disputing the charge and I should refer to the terms of my credit card user agreement. After speaking to several barclay reps I'm still getting charged interest thus far of XXXX, despite paying my balance off again in full again and paying extra on my card. When Ive called Barclay 's several times each customer rep also continues to gives me different information of how to pay off the unauthorized cash advance balance.

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 2019-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit score just dropped without cause. My accounts have not changed, my inquiries have not changed, my payments have been made in full, and the only payment I do have is on time every time. Yet my score went from a XXXX to a XXXX. There is nothing derogatory that has happened that would have prompted such a drastic change in my score other than my recent complaint to XXXX for its unethical scoring!

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 2019-07-07 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: Cedars Business Services, LLC
State: NY

Complaint narrative:
Cedar Financial is a collection agency for XXXX University. XXXX is claiming I owe them tuition on classes I had dropped because of two primary issues. One reason was because of the fact that I was a resident of XXXX and was enrolled in a program at the school even though the XXXX XXXX XXXX   no longer allowed students to enroll because of accreditation issue. XXXX failed to notify me that XXXX was no longer allowing XXXX to admit students from XXXX. I would not have taken classes there had I know there was an issue with the accreditation. I am also a XXXX with XXXX because of my military service and notified my advisor that I was experiencing difficulties with focus and needed to drop my classes. I was advised that I could do so and that charges for that term were covered either by student loans or would be refunded. Despite this, I was charged for tuition despite having dropped classes and disenrolled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
This house was first purchased in XXXX. What happened to the payments that were made from XXXX through XXXX? Ocwen didn't record the assignment to the registers office so why? There are records that show HUD ( XXXX XXXX ) sold the mortgage to XXXX XXXX XXXX not Ocwen. I need legal documents from the company that you purchased the loan/mortgage from showing my balance when it was purchased by Ocwen. I don't think Ocwen took into consideration or documented the correct balance when they received the loan. If I purchased the house for {$34000.00} in XXXX how can I still owe that amount plus more when you took over which was about 15 years later ; once again what happened to the payments I made before you took over?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
I was contacted by Credit Management , LP multiple times by an automated dialer used to recognize the person answering by voice. They would never say anything until I redialed the number and then I would reach someone, this happened as recently as XX/XX/2019 at around XXXX. 

I asked them to verify the debt but they have no information to verify and they transferred me to XXXX/XXXX fraud center and they don't have enough information to verify the debt either.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My student loan transferred from XXXX XXXX XXXX to Nelnet last year. I am in a graduated payment schedule, but was managing to payoff the accrued interest each month and a little payment to my principal. After being forced to switch to Nelnet, i noticed that my accrued interest was not being paid off each month. This was mostly in my higher interest loan. The loan servicer is taking money from my payment to pay the principal on may lower interest loan and allowing interest to accrue on my high interest loan. 

I have made 3 calls to the company and they keep saying this is better for me and there is nothing they can do. My only option is to make direct payments each month to the desired loan or privately refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I sent Experian several letters for years. I recently sent them certified letters on XXXX XXXX, 2019 ; XX/XX/ ; and XX/XX/2019I sent letters disputing an account for XXXX XXXX XXXX that does not belong to me. I asked them on many occasions to investigate this account. They all come back with, this account is verified to belong to you. I have asked for proof and method of verification done in this process but was never done. 

I have never had an account with XXXX XXXX XXXXXXXX nor have applied. 

At this point, I am tired of asking them to comply and do their job. I need assistance in 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 explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am XXXX years old with over 800 credit score, and over $ XXXX in A Chase Accounts, i own four properties totally paid off. 

I been banking with chase for over 10 years, yet I have applied for two credit cards with chase and they have denied me. they wont give me a good reason why or attempt to resolve the matter. 

I feel i am getting discriminated either because i am old or XXXX. there is no good reason why they should deny me a credit card but they do it. i need some help here. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing this complaint because I wrote to experian in regards to accounts that are reporting on my credit as inaccurate and/or as violations of the fcra. They have ignored my request for deletion of all accounts with inaccuracies and violations. Please resolve this as soon as possible. Thank you

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 2019-07-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I sent XXXX  several letters for years. I recently sent them certified letters on XXXX XXXX, 2019 ; XX/XX/2019 ; and XX/XX/2019. I sent letters disputing an account for Bank of America that does not belong to me. I asked them on many occasions to investigate this account. They all come back with, this account is verified to belong to you. I have asked for proof and method of verification done in this process but was never done. 

I have never had an account with Bank of America nor have applied. 

At this point, I am tired of asking them to comply and do their job. I need assistance in 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 explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IA

Complaint narrative:
I have been working with Bayview loan servicing for months to modify a previous loan modification that I was late for one payment. I have filed a complaint with the CPFB over this issue. I was denied due to a rule that I can not have another modification within a 12 month period. The anniversary date for the modification in question is XX/XX/XXXX. I was a denied for the last application on XX/XX/XXXX, one day from the anniversary date of the last approval. I have supplied Bayview all proofs that they have requested pertaining to reason that I was late on the last payment, that I am current employed with a better paying job, and that I am receiving rent from them non-owner occupied side of the XXXX. I am requesting that Bayview give me proper consideration of my situation, and that timeframe that I am making my request for a new modification per their rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I have been paying extra on each monthly payment to lower my principle balance. The company isn't applying the payments correctly. They continue to lower my upcoming monthly payment by the extra payment amount. Eventually, I would skip a payment using their method because the monthly amount continues to lower each month. However, the extra payments should be applied to the outstanding balance, lowering the total amount owed on principle. My monthly payment would remain the same if they were applying correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My dispute is with Transunion Credit Bureau. After one single accidental maximum delinquency of greater than 60 days, my credit score is falling recurrently every month despite payment made in full to the creditor. 

I anticipated a steep drop in my credit score over 1 month since it was a single account delinquency that was paid in full. Transunion Credit Bureau has recurrently dropped my credit score despite complete payment. I have no outstanding debt to justify a recurrent monthly drop in credit score. 

I received an investigation report from Transunion Credit Bureau on the XXXX XX/XX/2019 - File Number XXXX. The company did not solve the issue and my credit score has dropped to almost poor from near excellent despite complete payment. 

Transunion Credit Bureau has no basis to drop my score every month. I have no outstanding debts with any creditor.

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 2019-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I had got me a credit counselor XXXX organization that help me work on my credit to gain a XXXX score and because of this NCC Business collection they have damaged my credit saying that I have an eviction they are located in XXXX Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The issue is with experian with XXXX XXXX XXXX. I have report fraud to experian and advise XXXX  XXXX XXXX this is not my account.

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 2019-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
I have a debt that does not belong to me. I have applied nor utilized services with this account. The information appears to be inaccurate and I wish to address this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
PRIOR TO SPS XXXX SERVICED THE LOAN NOW THAT SPS IS THE SERVICER THEY WILL NOT ACKNOWLEDGE MY INCOME AND ARE BASING THE MODIFICATION PAYMENT BASED ON A HORRIBLE VALUATION OF MY HOME BY DOUBLE THE VALUE WHAT THEY DO IS DEFINITELY NOT SPS DO NOT CONTACT ANYONE TO DISCUSS THE MATTER THREATENING WITH FORECLOSURE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Trans Union is reporting an inaccurate listing of Chapter XXXX Bankruptcy on my credit report. Furthermore, I reached out to the Indiana Bankruptcy court and they provided me documentation that they do not give any third party 's or companies information, and they don't report bankruptcies to any credit bureau. They refuse to remove this inaccurate information or provide the verification method.

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 2019-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: AR

Complaint narrative:
I paid Ameritech for student loans that I was assured would be paid, if I paid on the loans a total of 340 months. Upon receiving a letter from the FTC, I immediately called and changed my password and other information after being instructed to do so by the FTC. Now, Im dealing with the stress and concerns of my money being refunded.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-07 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: NC

Complaint narrative:
I disputed account on my credit report with Equifax my first dispute was sent out on XX/XX/2018 which they did not respond to even though I had given them amply time to do so. I sent a no response for my disputes to Equifax on XX/XX/2018 and still today they have failed to respond or properly investigate my disputes. They have outright ignore my request to dispute which is a violation of my right clearly

Company response to consumer: Closed with explanation