vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My home suffered flood damage in XX/XX/2017. Select Portfolio Servicing Inc. ( SPS ) has held {$16000.00} in insurance proceeds for as long as they have been servicing this mortgage. This in spite of proving and presenting SPS with {$63000.00} in receipts for out of pocket expenses, contractors and so on. This detailed information is sixty plus pages long and has been sent to SPS via attorney. At times SPS even denied to myself and my attorney they are holding any insurance funds. I had to hire this attorney to help me obtain the improperly held insurance proceeds. He has had no luck in dealing with SPS either. In fact he has found that the attorney for SPS can't get results either. 

If needed the following information is available : attorney contact for myself attorney contact for mortgage company I have sixty plus pages of documentation for out of pocket cost for repairs My attorney has much more specific information documenting the attempts to deal with SPS, there is LOTS of documentation. 

All I want is my insurance proceeds and attorney fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2021 I called to get my free annual Credit report and they are giving me all kinds of excuses and not helping with me solve my issue. 
Im experience hardship and Im trying to get a place to live. 
Was XXXX  for the pass 3 years And Im trying to get my life back to some what normal. 
Its incredible how they make things hard for a person to get their life back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage continues to send me threatening letters regarding my flood insurance despite the fact that they have recognized in writing that my flood insurance meets the requirements of my mortgage.

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 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: ME

Complaint narrative:
I have been trying to complete a mortgage work out with PHH mortgage after a forbearance period. Initially, I did not intend to start the forbearance but was investigating on their website and answering questions when the site told me I qualified and the forbearance had started when this is not what I intended. At the end of the forbearance period, I started payments again and began the process of adding the forbearance payments to the end of the load. Through this process, PHH has been stalling and delaying the process by asking for the same documents over and over until they just cancel the whole application and make me start over again. I'm not sure why they are doing this but I smell some kind of scam and it makes me nervous. So far there has been no negative financial impact for me but this either denotes extreme incompetence on the part of PHH mortgage or an attempt to defraud the government by artificially delaying the rework of this loan. I've been calling daily to be sure they have all the information they need since XX/XX/XXXX. Today the message at XXXX says Due to impacts of Covid-19 we can not connect you with a customer service representative and hangs up. 

Now there is nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OK

Complaint narrative:
I have never been late on my mortgage payment. In fact, I will have paid off a 30-year mortgage in 11 years ; I only have about {$4000.00} left to pay. Yet my loan, which was purchased from XXXX XXXX XXXX by XXXX, was subsequently turned over to LOANCARE, which states they are " attempting to collect a debt, '' as though I was behind or unwilling to pay. I was not notified by XXXX XXXX that my loan was being transferred, and if LOANCARE sent any information, I discarded it, as I was not applying for a loan or anticipating any " loan information. '' I first found out there was a problem when I tried to pay my XX/XX/XXXX payment to XXXX XXXX. I paid by phone, and for the XX/XX/XXXX payment, tried to pay online on XX/XX/XXXX. My complaint is two fold. ( 1 ) I was charged a NSF fee on the XX/XX/XXXX payment. This fee was added to my payment IMMEDIATELY upon making the payment ; it shows up on the payment confirmation statement. Neither the XXXX or XXXX payment was returned for NSF issues ; I had plenty of money in the bank. ( 2 ) When you try to call the number provided by XXXX XXXX for LOANCARE, XXXX, you can never talk to a human being. Do not be confused by the statements " if you wish to make a payment by phone or talk to a representative, push 1, '' because after pushing 1, you never get an opportunity to talk to a person. I tried all the options, and never can get a live person. Pushing 0, results in a message " you have pushed a wrong option '' and if you do that twice, the recording says " you have again pushed a wrong option, Goodbye. '' and hangs up. For something as important as servicing a mortgage payment, you should be able to speak to a person ; everything does not fit into their " fully automated phone system. '' There was no button to push for when " unwarranted charges were applied to my payment! ''

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 2021-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
KeyBank is holding back our stimulus payments as people are starving. They promised all weekend that the funds would be made available on today XX/XX/2021 as it is the date the checks from the IRS are dated yet none of Keybanks customers have received their funds. Tried repeatedly to contact KeyBank but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
In XX/XX/XXXX, I referred my " American Express Blue Cash Preferred '' credit card to a friend with a special referral offer saying " earn {$75.00} Reward Dollars per approved referral ''. 

My friend successfully received his card and my account is supposed to receive {$75.00} rewards dollar within 8-12 weeks per term, ( no later than XX/XX/XXXX ). 

However when I remember it and check my account rewards history after one year ( in XX/XX/XXXX ), I didn't see any referral bonus rewards, I contacted customer service about that, then the pain started. 

Every time I was connected to a representative, I had to tell the story once, then they created a case and said it had to be reviewed by other teams and it would take couple weeks for response. I waited for about a month without hearing anything back, then I tried to contact again, repeated what I had done and fell into reporting then waiting for another couple weeks loop. 

I tried to follow up at least 4 times in XXXX, XXXX, XXXX, XX/XX/XXXX. 
Sometime I was told I would be contacted after investigation is complete, sometime they said missing rewards would show up in my account after investigation and I do not have to contact again. 

No surprise, neither of them happened. So I contacted them again in XXXX and learned something new. They told me investigation was done and my case was already closed without doing anything to resolve the problem. I could not understand what's wrong with them and how that simple case needs so long time for investigating. They opened a new case for me and asked me to wait. 

This time I received an email asking me to call a number to discuss my case ( first time ). 
I called twice, all disappointed. 

The 1st call told me they need contact other team and will call me back after they have a response, but I didn't receive a callback.

After a few days, I made the 2nd call which put me on hold after hearing the story, but then I was transferred to another agent who has no idea about situation. I have to start over with the story, then I was put n hold for more than half an hour without hearing a word, so I hang up. 

I get an old ticket number " XXXX '' which was opened before and closed without providing any resolution, and I have this latest ticket number " XXXX ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I called BBT a few months back in regards to removing {$92.00} in fees from account that I received. This is my third time calling to have these fees removed and I was told they were going to be removed and that they had notes supporting why they were being removed. Now I'm getting collection notices in the mail stating I owe I money to the bank and this have hurt me with opening a checking account for my Business because its showing up I owe BBT when I dont. I would like to have this issue corrected and records updated with a letter stating its be corrected.

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 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Plus Inc
State: OR

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX  XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: DISCOVER BANK
State: FL

Complaint narrative:
XX/XX/2021 : Tried to call in a payment on my discover card but their automated system refused to acknowledge me responding " MAKE A PAYMENT '' despite the fact that my discover card statement clearly states, " For a faster, easier way to pay ... [ phone symbol ] XXXX '' The first time I called, their representative hung up on me and that was 14 minutes wasted. The second time I called it took me 18 minutes for the representative to accept my payment and he would ONLY accept it as a " third-party. '' I made a {$9400.00} payment last month and I am trying so hard to give them more money this month but they want you to jump through a million hoops like a dog. 
I gave them my name, address, phone number, social security number and last four digits of my account number. 
They REFUSED to explain why their automated system will not begin the by-phone payment process when you are clearly stating " MAKE A PAYMENT. '' Their automated system has been an ongoing problem for over a year. 
PLEASE help stop their excessively oppressive and laborious and tyrannical mistreatment of customers who are trying to give them money. Thank you for any help with this awful company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: POPULAR BANK
State: NJ

Complaint narrative:
I have a CD account with popular direct that I want to early close. Total interest accumulated with this CD is around {$120.00} but they are charging early withdrawel penalty of {$550.00}. Could you please investigate? 

Regards CD ACCOUNT LAST 3 DIGITS XXXX address of the bank POPULAR XXXX XXXX XXXX XXXX XXXX XXXX, FL United States XXXX XXXX XXXX XXXX : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: KY

Complaint narrative:
This debt is not mines

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: DE

Complaint narrative:
We were given a {$50.00} gift card ( One Vanilla-prepaid mastercard ) for our wedding in XX/XX/XXXX. We tried to used it in XX/XX/XXXX but the balance was {$0.00} cents. We called the gift card company and they told us that two purchases were made in XXXX. We never used the card so we submitted a claim for the company to investigate. In XX/XX/XXXX we were notified that the claim was closed because they didnt find any discrepancies and told us that there was nothing else they could do. They could not inform us who made the purchases and the gift card is not longer valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I was charged XXXX ( my entire credit line ) by a merchant that I, at the time, had never heard of. I have never attempted to charge my entire credit line. I was not notified in any way by Chase that my credit card was trying to make an XXXX ONLINE PURCHASE. I would have NEVER approved of that. 
I filed my dispute to Chase on XX/XX/2020 while the charge in question was still pending. The representative that helped me sent a new card. My balance was back to the correct amounts, and everything appeared to have been resolved. 
On XX/XX/2020, I received notice from Chase that the chargeback was reversed, and that I was responsible for {$8000.00}. I immediately called Chase again. ( I never found a phone number for the merchant, and they still have not responded to any of the emails I have sent to their support team. ) The representative from Chase I spoke to this time stated I was responsible due to an IP Address matching an old phone that I no longer possess, and haven't for many years. IP Addresses get hacked all the time, and they also do not identify a person. It identifies a device, in which case, can also be faked or masked using software. 
Others that have banked and used credit cards with JP Morgan Chase have had this same problem, and were protected by Chase. I feel that I am being treated differently. This apparently happens so often that there are many news reports about it, and Chase didn't treat me the same. I have never missed a payment on any of my accounts. 
After reviewing all of my financial statements, I found a deposit from the same merchant on my checking account in the amount of {$3500.00} on XX/XX/2020, and have tried contacting PredictIt regarding this deposit that I did not authorize or request. ( no phone number, email only ). The {$3500.00} is still currently in the account due to not knowing how they wanting to fix the issue. 
There is still {$4400.00} that the merchant has not refunded to me. I did not authorize any service from this merchant to be charged to my card to begin with, nor did I create the account on their website. The support team finally responded to my email and closed the fraudulent account. I sent evidence to Chase confirming the fraudulent account was not created by me, and had been closed. Chase still made me responsible for the fraudlent charge. I still have the money from the fraud deposit and thought they would take it and make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Students Come First
State: PA

Complaint narrative:
StudentsComeFirst reached out to me to ask if I was interested in being apart of an income based plan for loan forgiveness through their company. They would pay off my current loan provider, XXXX, after I payed {$340.00} dollars to them within the first month of XXXX. After 6 months of {$340.00} dollars my payments would go down to {$100.00} dollars a month. They took the money out of my bank account but I have no information on them or a way to access my account. I called XXXX, and there was no information that Studentscomefirst is paying off my loan through XXXX and coming to them. I called XXXX and they gave me this number and website. I want to stay with XXXX because they are a trusted company for my federal student loans. I don't see a payment of {$340.00} paid towards my student loans so I do not know where my money is. I tried calling the StudentsComeFirst company but no one answered and my call isn't returned. I signed a document allowing StudentsComeFirst to take over and make direct payments to my bank account on XX/XX/XXXX. The person I spoke to was named XXXX XXXX but the name wasn't recognized when I called the StudentsComeFirst company. I am very scared I being scammed and I want to stop payments to them but am unsure how to do so with signed information I gave them. I want to stay with XXXX and cancel this StudentsComeFirst Company. Please help me. Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief