vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 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: CA

Complaint narrative:
information was compromised during the massive 2017 XXXX  data breach, my ' private information, including names, Social Security numbers, dates of birth, credit card numbers and driver 's license numbers. I had Credit monitoring which seem to not help ive paid for Bureaus to alert me and Ive been lock out account made me economic deprived from loan if I need to seek financial help due to my credit I havent got to open and enjoy my credit because of the mess thats been going on for years of debt I hadnt accumulated Im a victim Ive took you guys to court which some due to my email being Compromised I lost a lot of documents I couldve helped me during my court process of me already being the victim of identity theft/data breach the increase that you guys have still havent approved my credit score is a XXXX theres a lot of suffering

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 2020-05-21 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: TX

Complaint narrative:
XXXX {$960.00}. I have called and called and today I was hung up on without any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX {$960.00}. I have called and called and today I was hung up on without any resolution.

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 2020-05-21 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XX/XX/2020, I received an alert that my credit points had dropped ten ( 10 ) points due to PHH Mortgage company submitting negative information. In XX/XX/2020 due to Covid19 also known as the Corona Pandemic PHH assured its borrowers that they would work with them during this time and sent emails stating that they would not charge any late fees, report negative marks on anyone who applied for a forbearance, and yet they did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My wife and I sent out our house payment priority mail on the XXXX of XXXX. Specialized Loan services LLC. Received the payment on the XXXX of XXXX and it was signed for upon reception. Specialized Loan services did not process the check and in fact have not to this very day. And now they want to charge me a late fee. I tried calling them on the phone only automated services on the phone. I kept pressing for an agent but, " due to Covid-19 '' blah, blah, blah. 
Look, I have paid my house payment on time for 25 months now and no problems until now. I already read that this company plays these games and I am not going to stand for it. I am trying to get my credit back up so I can refinance my house and they know that and want to keep me on the hook with them. I have the USPS receipt and documentation showing that they signed. This is not the time to be playing with peoples homes I mean I made it through the XXXX ' housing market crash. These guys are just trying to squeeze me for a dollar. This isn't right and I'm contemplating driving to their office and making a scene.

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 2020-05-21 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My credit score with TransUnion has been XXXX for a period over 12 months. In XXXX in dramatically declined to XXXX and has stayed there until today, XX/XX/2020. Nothing on the report, including inquiries, derogatory marks, collections or public records have said to change. But yet my score still dropped over 100 points for what reason?

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 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a substantial credit balance on my Chase credit card. I requested a refund from the bank which holds my credit card approximately two weeks ago and then I called a week ago to resubmit my request because no action was taken. The customer service representative on each occasion said check was ordered to be sent. I contacted the credit card company today and requested an acknowledgment that the credit balance was to be sent to me via check as promised. Each time I ask CUSTOMER SERVICE for an acknowledgment they refuse saying thats not their policy. Chase is refusing to refund my credit balance as promised and is using my money without paying me any interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
on XX/XX/XXXX I reached out to inquire about forbearance. I received a letter of XX/XX/XXXX letting me know I was approved for forbearance but it was never requested. 

they also added a negative remark on my credit report lowering it by 20+ points This is bad practice since it was never requested and it impacted me negatively I'm looking to refinance my loan and I was told since it was in forbearance I could not!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I am livid with Citibank. 
Many times they have lost my payments sent in by my usual checking account for my cc account ending XXXX. 
To stop payment on a normal checking account it is $ XXXX/check. 
They have no locations near here either. 
I have before done a payment by auto pay and it didn't go through!!! 
Therefore, I have been using money orders, as it is {$1.00} for a check reissue, and sending those in as payments ; and even before the charges come through. 
Any logical person would do the same right!?!?!? 

XXXX XX/XX/2020 I received a call from XXXX at XXXX from XXXX FL XXXX. She accused me of illegal wrong doing since I use money orders. And that Federal Guidelines state that I can't pay more than $ XXXX a day ; which I have NEVER done. Then she wanted to know more about me. I was insulted beyond compare. 
She didn't care, and was the rudest person you could ever find. I refused to answer anymore of her questions. 

I was so upset I called in to Citibank XXXX XXXX spoke with XXXX XXXX Missouri XXXX She said she couldn't help me and transferred me to XXXX in Customer Service Support in FL. 

I explained to XXXX how horrified I was by the call. I am an excellent customer who pays in advance with hard working money, made legally. I told him that I am a XXXX and run XXXX business which are all reported and claimed under my taxes which are filed and paid on time too! 

I want this person fired today. No customer should be treated this way in any manner. 

I am waiting for the charges to go through, then I will cancel my card. 
How in God 's name can you treat someone like this! 

I am reserving the right to sue you for emotional damage and harassment over this!

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 2020-05-21 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: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-21 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:
I am a victim of identity theft and I am trying to get inaccurate information removed from my credit report. I have tried multiple times with no luck getting the issue resolved.

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 2020-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I contacted my mortgage company WELLS FARGO to inquire about what types of services were available IF my renter 's were unable to make their payment due to covid. It was for an inquiry purpose and I was told that I would receive a letter regarding any programs available. I was also told that late fees were waived across the board due to covid. I did infact receive a letter and in that letter it stated my mortgage was placed in forbearance! I did not request any forbearance. Recently I was notified by a lender that it showed on my credit report and have been trying to have it removed since then. I have been unable to have it removed despite multiple phone calls to the executive office. They are " investigating '' ''. I have not been able to receive an email or paper trail confirm ing the removal or my calls to the the company. My  mortgage payments are current and have been for the past 10 plus years. I have been unable to pursue obtaing a new loan for a car or home.

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 2020-05-21 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I purchased a flight from XXXX XXXX on XX/XX/2020. The flight was XXXX fri XX/XX/2020 from XXXX to XXXX. Arriving at XXXX ; XXXX. returning XX/XX/2020 flight XXXX leaving XXXX arriving XXXX ; XXXX. With my Chase slate card. The airline changed my Friday flight to Sunday arriving XXXX cutting the time of my original trip by over half. I denied this flight and wasn't given an option of a refund. I therefore called my credit card company Chase. They were supportive and told me they understood and would take care of it no problem, as it was obviously a significant change. It was credited on XX/XX/2020 in the amount of XXXX. I was pleased and thought it was finished. On XX/XX/2020 I was re-billed for XXXX. I called the dispute customer service on XX/XX/2020 at XXXX. waited for 45min on hold. Spoke with XXXX who informed me that they were only offering a flight voucher. I told her that the Department of Transportation made it clear that any changes made by the airline were totally refundable. Still to no avail I asked for the supervisor, XXXX XXXX was the id she gave me. She said there was nothing she was going to do whether it was the law or not. Leaving me no choice but to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One closed my account without warning. I had {$0.00} balance and had not used that card in 2 years but received no warning that it would be closed. Closing it lowered my available credit and decreased my average credit account age, which will result in a lower credit score. When I called to ask them to reconsider I was told that it was a corporate decision and there was no one at Capital One that could reverse it and that I could not speak with a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NH

Complaint narrative:
I applied for a refinancing of my mortgage with Quicken Loans. Quicken Loans provided some but not all of the terms of the loan. Quicken Loans collected a {$500.00} deposit to cover the appraisal at the time that the terms were provided orally over the phone ( not in writing ). The appraisal was completed on XX/XX/2020. The total cost of refinancing was not fully disclosed to me until I received the Loan Estimate on XX/XX/2020. The Loan Estimate revealed that the principal balance of my mortgage would be increased by {$18000.00} as a result of the fees charged by Quicken Loans and that I would be charged PMI, all of which was also not previously disclosed to me. As the terms of the loan were completely unacceptable I terminated my application with Quicken Loans. Because I was deceived regarding the terms of the loan I demanded a refund of the {$500.00} deposit. My request was denied by email dated XX/XX/2020. The representative who denied the request was XXXX XXXX ( XXXX ) XXXX. 

The failure to disclose all of the terms until after the appraisal was clearly a tactic on the part of Quicken Loans to pressure me into accepting the loan terms. By terminating the application, I forfeited the {$500.00} which would have been rolled into the mortgage had I completed the process. This is a criminal organization seeking to take advantage of consumers at a time when many are suffering severe economic hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX. Best Buy acct. Thought to be a soft inquiry. Turn out to be a Hard inquiry. Already had the existence acct for a increase. The individual did not make it clear. To eliminate the hard inquiry, they can reduce my increase. Just want that hard inquiry off my credit reports

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 2020-05-21 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XXXX of 2020, I received an alert that my credit points had dropped ten ( 10 ) points due to PHH Mortgage company submitting negative  information. In XX/XX/2020 due to Covid19 also known as the Corona Pandemic PHH assured its borrowers that they would work with them during this time and sent emails stating that they would not charge any late fees, report negative marks on anyone who applied for a forbearance, and yet they did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
CAPITAL ACCOUNTS is in violation of the FCRA. Collection agency is reporting old debt as new. Reaging the debt and negatively impacting my credit score. They are in Violation of the FCRA has occurred as this debt is seven years from the time of my first delinquent payment was originally due on the account to the original creditor. Additionally, they have failed to contact me regarding this debit so that I may validate on my own. 

Account Info Account number XXXX Collection opened XX/XX/2017 Account type Collection Department / Agency / Attorney Their contact information is : XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email from Paypal letting me know I was being mailed a debit card to provide instant access to my Paypal account. As I almost never use Paypal, I assumed this was a scam and quickly dismissed the email. Two days ago, on XX/XX/XXXX, I received a follow up email letting me know that they had just mailed me a card. Angry, and confused, I researched online and found that others, dating back to 2019 have complained about this same issue. Not once did I give any sort of confirmation, or even hint, that this was something I was interested in. I am disgusted, and scared, that a company can open a debit card line in my name, opening myself up to fraud and potential hacking. I reached out first by phone, but their complaint department is closed due to Covid, so followed up online where all I was directed to was a mailing address for their legal headquarters in XXXX XXXX. I am writing this message in hopes others aren't targeted by this and potentially change how ever it is that they are allowed to do this, which I feel should be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I first made a request to SunTrust for my mortgage Coved-19 relieve 1 day after it was ordered by the President, HUD, and bank regulators on or near XX/XX/XXXX. I learned that the bank sent an offer to me on XX/XX/XXXX that I did not get until XX/XX/2020. 

I signed it promptly and the bank accepted the Covid-19 forbearance for 6 months with an option for another 6 months at my option.

The lawyers for SunTrust deliberately held the Covid-19 request for 3 weeks in order to allow the court to order a foreclosure even though it was illegal by CFPB, HUD, Presidential Order.

I asked SunTrust lawyers to abide by the Covid-19 relief and they falsely told the Court that it was only for 3 months when it was for at least 6 months and I told the bank I would need it for a year. 

The lawyers are defiant to HUD, the Presidents Order, CFPB, and its own Agreement by not directing its lawyers to abide by these items. 

The collection actions of the bank through its lawyers is circumventing our agreement, causing stress, violating the law, and falsely misleading me to believe the forebeance and modificaion will rigtlu be worked out withotu court intvention.

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