vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-30 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Okay so i was in Kansas XXXX  XXXX XXXX ( XXXX  ) when I gave XXXX  to my children ( XXXX  ) in XX/XX/2014. When you are ward of the state ... They are liable for hospital bills ... and any other bills that are incurred since i was not even able to have insurence if i wanted. I had to dispute a few debts with transunion and equifax due to hospital bills that were on my credit report. All were removed except this bill through XXXX XXXX  that i have disputed twice now. I dont understand. This is not my debt ... It belongs to the state of Kansas and its showing negitivity on my report and im trying to clean my life up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Failed to follow promised procedures On XX/XX/2020, I file a dispute with Synchrony Bank concerning a charge for {$1000.00} to my XXXX MasterCard account ). I provided complete documentation that the charge was for " goods or services that were not received. '' On XX/XX/2020, Synchrony Bank acknowledged receipt of this dispute and promised to " Adjusted your account to reflect the disputed amount. You're not responsible for this amount while our review is underway. No fees or interest will be accrued on the disputed charges during the review process. '' As of today, XX/XX/2020, Synchrony Bank has failed to do this and are attempting to collect the disputed amount as demonstrated by my account statement of XX/XX/2020. Synchrony Bank has refused to answer multiple request from me to explain their failure. They have also made no attempt to request any further documentation about the dispute nor have they provided to me any response that they may have received from the merchant.

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 2020-05-30 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: FL

Complaint narrative:
Ive checked my Experian credit report and I have attempted to reach collections agency to resolve matter. The information shown on my credit report is inaccurate as it has been reporting to my credit negatively monthly and I have no way to contact them and resolve matter. Ive made multiple attempts with no avail. The amount is {$1100.00}.

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 explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I notified TransUnion that XXXX XXXX  was erroneously reporting that our home mortgage was included in our chapter XXXX BK. The BK XXXX was confirmed by the trustee and the judge and was signed off by the attorneys representing XXXX XXXX  that we were not in arrears at any time and that we will continue to make our normal payments directly and not thru our trustee. XXXX XXXX  has at times reported that we were late numerous times and that is a flat lie. We have never been late on our mortgage and we can prove it with documentation that is available to their counsel from their own website and we can further prove it with copies of the cashed checks. To add insult to injury, they continue to report that our entire mortgage was claimed in our BKXXXX filing and that we have been late multiple times. Again we have reaffirmed the loan and signed off and the mortgage company, XXXX XXXX  also signed off agreeing to everything I just typed. We feel the attorneys representing XXXX XXXX  is just rolling as many billable hours as possible. We are not the enemy and we have been treated like we are trying to pull a fast one on the mortgage company. When we contact the customer service department at XXXX they couldn't be nicer but have said on numerous occasions that their hands are tied by the legal department. I notified Transunion of the error in reporting our mortgage status and within 1 hour I was notified by TransUnion that they deleted the trade line from our credit bureau. Now it appears that if you ran our TransUnion Credit Report, we would have no mortgage loan or payment history. It was deleted like it never existed. Where do I go from here? Please help.

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 2020-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I am a senior, trying to pay ff my mortgage. When I called Mr Cooper for the payoff number earlier this month, they wanted to charge me {$25.00} to tell me the number. Instead, I paid off the outstanding loan amount. Yesterday, I received a letter with the pay off amount {$100.00} if I paid it THAT DAY. I got onto my computer and transferred the amount plus 2 days additional interest to the lender. 
After reading the paperwork sent with the statement, I saw the payoff amount must be via a wire transfer or a certified check. This is a huge problem for me right now. Pennsylvania is still a red state. It is difficult to do a wire transfer or certify a check with limited bank hours and since I've been quarantined for the past 11 weeks, I'm not comfortable going into the bank. Then, the several days it will take for the mail to deliver to the lender, or the additional money it would cost to XXXX  the check plus the cost of a wire or certified check all add to my financial burden. Why is this a stipulation when the mortgage company will already have my pay off amount on Monday and I certainly would not be ale to take it back? This arbitrary rule would annoy me under normal circumstances but as an immuno-compromised older citizen, I find it to be heavy handed and mean under these Covid 19 circumstances. I might also add I have never been late with a payment and have never given this company any trouble in the past. I simply need them to work with me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have no knowledge of this account, and have never had a card with this amount of credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX sales person ask me for mi ssn and i did not tell him. I asked many times to dont do a hard inquiry. He says the they wont do. Will be only to check if I have some account with them ( lies ), i provide my drive license number. And immediately I received an alert that they run my credit with equifax. I dont recognize that inquiry because i tell him many times dont do it. His name is XXXX XXXX operator number XXXX from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: GA

Complaint narrative:
I enrolled in the XXXX and XXXX. Degree at XXXX  XXXX University Online in XXXX thru XXXX. I was promised by the school that I would be promised a job in my field if I chose to enroll in their programs. I completed my degree programs and the school did not provide any job opportunities in my field of study like they promised. Subsequently, I obtained a substantial amount of student loan debt. 

Not many months later XXXX  XXXX University Online and some other schools were defendants in a class action lawsuit filed by students who were promised job opportunities once degree programs were finished. These practices were illegal and all students who went to these schools their student loans were forgiven. 

My degree program was XXXX XXXX with a concentration in XXXX XXXX. 

The Department of Education continues to show I owe student loans and it is affecting my credit score. Apparently they are unaware of the developments of the class action lawsuit of XXXX  XXXX University Online. 

The Borrower 's Defense team is aware of the situation ; however, my credit score is affected dramatically, Borrower 's Defense is looking into the matter as well.

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 2020-05-30 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: Diversified Adjustment Service, Inc.
State: MI

Complaint narrative:
Have tried to contact DIVESIFIED ADJUSTMENT SERVICES INC to settle an account placed on my credit reports dated on XXXX XXXX ( XXXX  XXXX  ) with a total balance of ( XXXX ) upon looking at thier website in my accounts summary is NOT the account refrenced and placed on my credit reports but an account balance of ( XXXX ) previously and sucessfully disputed and removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
i pay my mortgage to sps select portfolio servicing. my payment is XXXX a month. because of the virus and visits to hospitals by paying co pays has hurt me. i did the forbearance plan for 3 months.starting XX/XX/XXXX my thought was those payments totaling XXXX would go to the end of loan. sps wants you to pay the XXXX plus XXXX for XXXX.alot of other mortgage companys are doing it right. all i can pay is the XXXX for XXXX. this could put me in forecloser. when trump put this program together he said alll payments would go to end of loan.otherwise i would have not done it. please help if you can! this may be price gouging!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2020 we were turned down by XXXX XXXX XXXX XXXX after trying to open an IRA account with them. One of the reasons we were turned down was " AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH ''. 

Equifax was designated as the source of this information. I pulled my Equifax credit report and found that it had identical " High Credit '' amounts listed month after month that were wildly inflated on two different revolving accounts. I contacted both creditors and asked about the information they had supplied to Equifax and the numbers they related to me had no correspondence with what Equifax reported. I opened a dispute with Equifax by phone ( their website is ALWAYS down ). 

On XX/XX/2020, I received an email from Equifax stating that my credit report dispute had been resolved. Again the website was down. I called the number on the screen and an automated voice said that " one of your five issues was changed. '' I eventually got through to a customer service person who was only capable of apologizing and offering to start a new dispute. As it turns out, nothing whatsoever had been corrected even though both my credit cards said that they had sent them fresh correct data. 

The fact that I had the same incorrect ( and physically impossible ) data reported from two unrelated creditors makes me certain that the error is in Equifaxe 's computer systems. Their customer service reps refuse to acknowledge any problem on Equifaxe 's part and blames the two separate, unrelated creditors for the exact same error on two different accounts. 

The fact that Equifax will not acknowledge a problem in their computer systems means that they have no intention of even trying to fix the problem. Their standard solution is : 1. Put in a dispute. 
2. Do nothing, but report the dispute as resolved. 
3. Tell the consumer to submit another dispute I am in the slow process of getting printed documentation to send to an address that the customer service rep told me was the executive office of Equifax, but I doubt if it will accomplish anything. In the meantime, I am unable to open an IRA, out of fear of rejection due to Equifax 's misreporting of my financial situation. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: GA

Complaint narrative:
XX/XX/XXXX Transunion added a fraudulent account on my credit profile named XXXX/XXXX  XXXX. This is a fraudently account. The amount is claiming a balance of XXXX. I am not affiliated with this company. This is a direct violation. I currently have a security freeze due to identity theft and they allowed an account to report on my report which brought my score down tremendoisly and is damaging my creditbility. Please investigate into this further.

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 2020-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
In XX/XX/2020, I decided to close my Apple Card account after a dispute over charged services that were not rendered. Goldman Sachs decided to side with the company over me and I informed them I wanted to close my account. They stated they would close my account ( I have record of all communications as this is done through text message ) and I thought everything was done as my balance was paid in full. I lost access to my account and believed it to be closed. 

In XX/XX/2020, I'm alerted to a transaction that was flagged by my bank from Goldman Sachs for an amount of {$39.00}. The transaction was blocked and I contacted Goldman Sachs to find out what was going on. They informed me that the account was never closed and could not explain why they decided to make an unauthorized attempt to remove funds from my bank account 2+ months after the account was supposedly closed. They explained that this time the account is closed for good and did not mention an outstanding balance. 

To this day, I have been receiving emails from Goldman Sachs in regards to an outstanding balance and I'm done dealing with this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I had one late payment over 46 months ago. I've tried calling to speak to someone about forgiveness on this as I've only had one late payment in over 5 years with this line of credit but no one at Regions seems to know who I need to speak to. I keep getting told to call numbers that just referred me to their number. It's frustrating, that the employees CAN NOT point you in the right direction.

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 2020-05-30 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This Credit Bureau is reporting incorrect Bankruptcy Chapter XXXX to my credit report. The information is wrong and this file should be removed from my credit report. I tried to request this credit bureau SEVERAL times as the other credit bureaus cooperated very easily. This credit Bureau stated the Bankruptcy is verified as accurate and remains. I then contacted the US Bankruptcy Court and ask them what is being verified or what are they reporting to the credit bureaus. 

I have attached a letter from the US Bankruptcy Court agreeing the credit bureau 's information is incorrect and should be removed. The court stated in this letter, it's my right to request this credit bureau to remove this incorrect info from my report. 

I expect this credit bureau to remove this Bankruptcy XXXX file in 30 days, or my lawyer will request to handle this in court. My lawyer, the US Bankruptcy Court and myself are waiting for your response, as we are ready to take legal actions is this is not removed within 30 days. 

I also have other supporting documents requesting this to be removed from my credit bureau, that the court attached. However, I am not going to include them, as it has my personal info on them and i do not wish to upload them for my own privacy.

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 2020-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: RI

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FISERV FINXACT CORE
State: AL

Complaint narrative:
The fee schedule dated XX/XX/XXXX on the dash board for my account states that the use of out of network atm and declines will result in a fee of XXXX. Since XX/XX/XXXX they have been charging me XXXX. I called XXXX XXXX  and inquired about the fee for out of network atms and was told it was XXXX when I said that I was being charged incorrectly they told me they were wrong. I then asked why did the fee schedule on my dashboard say the same thing. He could not answer. I spoke to his supervisor and was told that I must be looking at the wrong account. Only have 1. I then asked for his supervisor who would not listen asked for her manager and she put me back in the queue. All of this took place on XX/XX/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 2020-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
I've found the only way to get a mortgage company 's attention is to file a complaint. The reps simply do not care, and do not have the means by which to implement any type of change to the system in which they are a part. 

I just refinanced with " Amerisave '' and attempted to make my first payment for XX/XX/XXXX. 
There is no record of my payment on their site ( the means by which I made the payment. ) I have no way of knowing if payment went through. Nothing on their site reads " processing '' or that their will be a delay. 
They do not list their hours of operation on their site, which causes me to waste my valuable time with their horrible robot message system ... .forcing me to listen to 5-10 min of irrelevant info, and press no less than 5-8 different phone prompts to reach a person. After wasting 10 min doing this, I'm transferred after each press to find out the office is closed. Simply listing office hours on their site would be a help. The phone system only states XXXX, not the days of the week. 
I also tried, via two different website menus, to make an additional payment principle to my loan. Both attempts failed. I was told I could make payments of additional principle before I agreed to refinance with Amerisave. 

Why is there no record of my payment? 
Why is there no listing of office hours? 
Why can't I make an additional principle payment on website? 
Why isn't my loan number on the website? ( It's required to submit this complaint, and to use most features on site, yet it's not made available. 

I travel for work and am not at home for extended periods of time. I do not get paper statements. Can't find loan number anywhere. Yet again, I hit a brick wall trying to get any info. 

PS. I also wrote an inquiry regarding how my loan was calculated, specifically regarding how points are calculated. The point fees are added to loan figures, then calculated by taking a percentage WITH ADDED FEES ... .which is NOT how percentages are calculated. You can not add a fee then calculate fee from amount with the fee already added. Doesn't make any sense. I never received an adequate response to my inquiry. 
This is a class action lawsuit waiting to happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation