vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-17 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: NY

Complaint narrative:
Not my items reporting on my credit report

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 2020-03-17 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: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I AM XXXX YEARS OLD AND I ALWAYS PAID MY MORTGAGE ON TIME i SET UP AUTOMATIC PAYMENTS. THIS HAS RUINED MY CHANCES OF GETTING A REVERSE MORTGAGE. I DIDNT REALIZE MY CREDIT UNTIL I HAD SOMEONE CHECK IT. I AM TOO OLD AND MY HUSBAND DIED I DONT HAVE ANYONE TO HELP EXCEPT THE FTC AND THE BANK. I NEED MY LATES REMOVED I HAVE PROOF FOR AUTOMATIC PAYMENTS SETUP. REMOVE XX/XX/19 AND XX/XX/19 UPDATE TO NEVER LATE. I WAS NEVER EVER LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
On or about XX/XX/2020 I decided to close a checking and savings account that I had with Simple Finance ( BBVA ) for approximately 5 months. The service was disgustingly poor and their web banking interface incompetently designed. The instructions on their website said to send them a message indicating I desired to close my account and they would reply promptly and close the account. After three business days they failed to reply so I was forced to call them. After speaking with them, they told me it takes them almost a month to close an account even though there is a balance of {$0.00}. They further stated that this delay is due to BBVA requirements. I want the accounts closed now. I do not want to maintain any account or connection with Simple Finance and / or BBVA any longer. I doubt there is any residual interest due as I immediately drained the account as soon as interest posted for last month. If there is any interest due, they must send me a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I purchased this property in XXXX for {$65.00} it was an arm buy .The mortgage ballooned to 9.5 % interest rate I have tried 3 times with XXXX  to refinance this loan .I purchased a house in XXXX in which my interest rate in 3.5 % from another lender. Every time I've tired to get the rate lowered XXXX always turn me down .In this time a 9.5 rate is unheard of my credit is not bad either .XXXX  has stuck me with a Predatory loan I had this loan for 13 years I paid XXXX and as of today I still owe XXXXplease help if I could just get it lowered a few points what make XXXX think if I can pay 9.5 % I cant pay a lower interest rate this is not fair at all This loan is being transferred by XXXX to Select Portfolio Servicing on 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 2020-03-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: IL

Complaint narrative:
Interest rates on my bank credit cards are 22.49 % while I have never missed a payment. I am retired and have watched my IRA decrease to a very terrifying level. 

HOW CAN THEY GET AWAY WITH IT? 

Where can I complain? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   XXXX XXXX XXXX  DPT EDXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  XXXX XXXX XXXX  DPT EDXXXX XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX XXXXXXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  XXXX XXXX XXXX  DPT EDXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXXXXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
XX/XX/2020 downtown branch in XXXX Alabama open a new checking account, and apply for the bank security bank card. Received copies without my signature. Call Wednesday stated XXXX XXXX she had me sign in the wrong place too come back in. And the underweight had sent the application back. Came in Friday asked them too close the account and put the money in my checking account. The person I spoke with XXXX XXXX and Nd XXXX about closing the account. They stated it would take 14 days sometime 24 hour. Called Tuesday spoke with several people over the phone and finally sent to the credit card department and the man stated he would close the account and in two day my money would be in my checking account. Called Friday the XXXX they stated they were process the application and I would be getting a letter in the mail. Today the XXXX I was told they could hold the money for XXXX and that was never stated. If I did not sign in the right place going forward how did they process the application without the proper signature. And continue to hold my money. The process was never stated how long it would take the application process. And if I cancelled before receiving a card their should not be a hold on the monies in the saving account. I paid XXXX dollar interest when the account was open. Now refund my money and interest for the time I couldn't use my money. They design a plan suppose too help yet they abuse and cause hardship with untrained staff not know the detail of how something works.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
Received a Bill from Convergent on XX/XX/2020, referring to an account number that is not mine and saying I owed our local electric company {$260.00}. This is not my debt and I want it cleared in order to restore my credit rating.

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 2020-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX credit card switched their services to Citibank in XX/XX/2020. This is my second payment on my account through them. I initially made a payment of {$43.00} on XX/XX/2020. The payment did not go through. I have asked XXXX for a audit of my account, because I checked my account and had the money available. Citibank then went into my account on XX/XX/2020 and tried to pull a payment for {$40.00}. I never authorized the payment for {$40.00} at any time. Then XX/XX/2020 they went back into my account for another {$43.00}. That is three {$29.00} NSF fees on my account. One of which, for {$40.00} that I never authorized. Citibank changed the amount on that payment to be able to go into my account three times. No merchant is allowed to go into an account more than twice. Citibank says they always go in twice, but I don't think they are allowed more than two attempts, but if they change the amounts they can go in as many times as they like. This is my third problem with Citibank having had a bank account that was slow paying and my direct deposit was not deposited in a proper or timely manner, causing me NSF fees that they had to refund. 
XXXX account ending ... XXXX XXXX card ending ... 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 2020-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
This is the second complaint I've had to file because my intial one was closed. I experienced a temporary hardship that caused me to fall behind on my payments and have me with a past due balance of {$1400.00} and threats of repossession. I filed a complaint a few weeks back and was told that they couldn't help me because they thought I had an " ongoing '' hardship and an extension wouldn't solve the problem. My wife then called them and explained it was a temporary hardship and I am now able to make my monthly payments, I just need help with the past due. She was basically told that an extension still wouldn't be given. So why they made a point of differentiating between temporary and long term hardship in the last response is beyond me. My wife was advised to call this week and set up an arrangement to pay the entire past due. 

That is something we are unable to do! And now with work shutting down for weeks due to the coronavirus and facing a TEMPORARY loss of income again, I'm hoping CFPB can help me set something up with them. I can make my regular payments, even with the covid-19 shut down, I can make the regular payments, but I need help with this backlog. They are one of the only companies out there that I know of refusing to do anything amid this crisis. To be clear I can continue to make my regular monthly payments. I just need an extension for the past due. Will also be filing a complaint with 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 2020-03-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian refuses to acknoledged my dispute. expect me to except there form of verification without proof. Enclosed are two reports both reports are direct result from a dispute i opened on XX/XX/XXXX with a completion date of XX/XX/XXXX, The Statuse update shows XX/XX/XXXX completion Experian did not notify me, by mail and that the information was only available online. I checked and the status update was listed as XX/XX/XXXX. My dispute was to vaildate and UPDATE correct information. NO UPDATE was given. I called and after hours on the phone. they posted another update but the status update was still the same with a comment that a balance is due an updated as of XX/XX/XXXX BUT still showing a status update as of XX/XX/XXXX. Unless Experian are time travels the status was updated on XX/XX/XXXX and a statement was added on XXXX. That is illegal to add the statement to an already exsisting update and telling me it was validated when on there own website it clearly states a contradiction. the statement is false and unverified. 

I called on XX/XX/XXXX to try to resolve the issuse and I told the representative I AM NOT calling to dispute. never the less without my permission another dispute ws open. My monitoring systems alert me of dispute and I called then IMMEDIDATLY, without doing a proper investigation the dispute was completed on the same day, which is also a violation of my rights. I enclosed a full detail letter along with both copies of report.

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 2020-03-17 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I booked a vacation with Chase Rewards and have been trying to call Chase Travel Services to cancel that booking for 6 days, with a cumulative 10 hour spent on hold. Chase changed their cancellation policy to allow for cancellations online, but only if they a trip commences in more than 72 hours. That policy was changed 48 hours before my flight. I called Chase card services to find another way to cancel, but they informed me that the only way to cancel would be to speak to Chase Travel Services. The service person and manager I spoke with admitted that it was unlikely I would get through to travel services given the high call volume, so they didn't expect I would get through and be able to cancel. 

Chase 's policies are creating undue pain on consumers, they are underprepared and understaffed, and using an onerous cancellation policy to protect themselves.

Company response to consumer: Closed with non-monetary relief