vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA

Complaint narrative:
I am dealing with loan servicer Heartland ECSI. Initially I was not informed by the company that the student loan moratorium was no in effect for this servicer and received a letter that my loan was over due. Not only did I not receive any prior correspondence about this but the company purposely makes it impossible to use their website or their customer service to receive any information about this until a letter sent XX/XX/2022 which I did not receive for another month. Additionally, I was not even notified by my school or the company that my loans would be sent to Heartland ECSI before the letter that my payments are overdue. I have tried to make payments over the phone and over their website multiple times with no luck besides being sent in circles through their phone system and website. It is clear from their reviews that they are overtly involved in XXXX lending as they have over 100 1 star reviews. Although I think this company 's practices are XXXX  I would at least like to be able to pay my loan so it doesn't effect my credit score but they have made even this impossible. It is clear to me that they want me to default on my loan so they can collect the money in larger amounts as they overtly make it impossible to deal with any facet of their company, I have literally been unable to connect to any customer service through their website or phone service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Hello, So my venmo account got frozen and then they un froze it for only 1 or 2 days, I sent a XXXX dollar payment to my sister, and then they approved a bunch of disputes I started as soon as they got approved my account got frozen again and now im unable to access XXXX dollars which is a huge amount of money to me and i have a XXXX coming up and need this money to cover my bills while im out of work for 2 months, they said they closed it due to a dispute i had against me and my account when i made them aware i was not the one that accepted that money in the first place so they went and deactivated my account and said in an email i might not even get my money back, is it my fault someone decided they wanted their money back because they needed cash in their pockets as they probably spent their rent money on something else and needed to make up for it, venmo approved a number of disputes before this and said nothing to me even though i chatted with them and emailed them saying dont appove them these people are obviously scamming me, example one guy sent 3 payments and wants to dispute all 3 saying he didn't mean to send them, ok how do you not mean to send 3 payments and of course venmo took that money right out of my account, with all their approved disputes im out over XXXX dollars at the moment and yes these are all friends who did this and in venmo terms and service it says for friends and families only so i stuck with the terms of services i believe im being treated unfairly in this situation and would like my XXXX dollars to be released immediately so i can move on from this situation and be able to pay my bills while im out of work., Thank you sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: LEXISNEXIS
State: NJ

Complaint narrative:
I filed bankruptcy XXXXr XXXX in XXXX XXXX, however the credit bureaus are listing debts as charge offs when it is included in bankruptcy. Ive disputed this ( 3 ) xs to no avail. Ive duplicated injuries from places that I didnt give permission nor signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
Wrote to mortgage company several time. The mortgage company referred me to the owner. but did not answer my queries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
XX/XX/2022 I ordered something from XXXX I never received it I called my credit card company Avant and told them that I never received my item they told me it would take 60 days to get in contact with the merchant to resolve this issue. My account was accumulating fees behind this transaction I was told I have to pay the minimum balance or I would have fee on my account I asked for a credit of the amount of the transaction so it wouldnt accumulate fees I forgot what was said. This has been going on for a few months I finally contacted the merchant because they was taking to long to get my money back which I have gotten back but its still late fees on my account my credit card company Avant told me they could only give me a credit for the most recent fee and not for the other past month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In XXXX, we found out that we have a crumbling foundation and notified the bank/mortgage company ( i.e. Bank of America ) with the hope that they would help us in the process. We stopped payment because we were not going to be able to afford fixing the foundation and make mortgage payments. 

We applied for a modification in early XXXX. During that time period of complete shut down from the pandemic, it took XXXX  months to hear back from the bank while interest accrued. We were offered a trial payment modification program and made the 3 payments on time. I lost my job in XXXX and left another job due to unsafe conditions in XXXX. My unemployment was held up for 3-4 months and my husband 's hours were reduced. We were not able to make the XXXX payment to complete the modification program which then expired. 

We reapplied for a modification in XX/XX/XXXX, this application was received and confirmed by BOA. I followed up several times during the 6 months but that application disappeared. After many calls talking with different people, we applied for a third time in XXXX XXXX. Again, it took over 6 months to hear back from the bank. They offered $ XXXX over a 14 year period starting in XXXX. This would not be sustainable based on our annual household income. 

We contacted the Connecticut Housing Authority and spoke with XXXX XXXX who got in touch with XXXX XXXX, customer service, from BOA. They were going to appeal this decision and advised us not to make the payment until XX/XX/XXXX. XXXX said that we could make the payment over the phone and when we tried, we were told that we could only mail it because our account is in suspension. I would have sent it overnight but there is only a po box so I had to mail it.

BOA called and informed us that the payment was late and that the trial is null and void. I explained to the woman on the phone that we were advised by their own person and the HUD representative to mail on XX/XX/XXXX and that the postmark before XX/XX/XXXX was ok. 

Over the past few years, we have attempted to make payments online, over the phone or in person at a BOA branch, but the bank will not allow us to do this as interest continues to accrue. We are in a never ending circle, talking with different representatives who have different answers and suggestions along the way. We just wanted to get back to making our payments and we have continually been blocked. This is insane. 

To top this off, we are scheduled to get our house lifted and fixed starting XX/XX/XXXX and BOA is not working with us. We'll need to spend an additional $ XXXX to complete the repairs and we don't even know what the bank is going to do. 

Help us please.

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 2022-08-15 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: TX

Complaint narrative:
I sent two rounds of letters to XXXX asking to fully validate the following accounts. 
XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX  XXXX {$1300.00} XXXX  XXXX XXXX XXXX XXXX {$750.00} These accounts still remain after asking for debt to be fully validated within the thirty days as required under the FCRA 609/611 provisions and should be deleted as of now.

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 2022-08-15 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: TX

Complaint narrative:
I sent two rounds of letters to XXXX asking to fully validate the following accounts. 
XXXX XXXX XXXX {$810.00} XXXX  XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX {$750.00} These accounts still remain after asking for debt to be fully validated within the thirty days as required under the FCRA 609/611 provisions and should be deleted as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: Monterey Financial Services LLC
State: TX

Complaint narrative:
I contacted this company about a account thats on my report that i have no knowledge I never leased anything from MONTEREY FINANCIAL SERVI or XXXX  XXXX XXXX this is a illegal account nd loan type Account XXXX Account typeLease Responsibility Individual Date openedXXXX StatusOpen. {$560.00} past due as of XX/XX/2022. Status updatedXXXX 2022 Balance {$4500.00} Balance updatedXXXX Recent payment XXXX XXXX Monthly payment {$260.00} Original balance {$4500.00} Highest balance {$0.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX & XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have an account with Chase Bank On XX/XX/2022 I was trying to use my card to make a purchase however my card has been declined. I left the store and went over to the bank to see why my card was being declined I spoke to a young lady she told me my account was closed. why I dont know why? I never got any messages saying that my account has been closed and this was on XX/XX/XXXX its now XX/XX/2022 and every time I called the bank they giving me the runaround. I went inside one of the branch and spoke with a manager they told me what I needed to submit Proof of employment. I submitted everything that they asked for and Im still getting the runaround every week I called they tell me something different, they told me the last time that two weeks time I should be able to get my money its been two weeks since XX/XX/XXXX and now its XX/XX/XXXX. Now theyre telling me that the next two weeks I would be able to get my money from my account that they closed I really dont know what to do. My Rent is past due, my car payment is past due and I am not sure what else to do or where to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX reference # XXXX ), has violated my rights. 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-15 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: SC

Complaint narrative:
on XX/XX/2022 I received a copy of my consumer reported and noticed this one account which was open fraudulently XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) balance {$1200.00} I have no knowledge of this account and I want it removed immediately.

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 2022-08-15 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: NJ

Complaint narrative:
Ive have submitted a ( 3 ) disputes on this matter to no avail, constantly reporting accounts of missed payments, and charge-offs As accurate when it is in included in bankruptcy XXXX  XXXX. Its affecting my life I was recently turned down for school for this the adverse letter specified that I have late accounts and charge offs

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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING FRAUDULENT ACCOUNTS WERE OPENED IN MY NAME : BANK OF AMERICA # XXXX OPENED : XX/XX/XXXX XXXX. XXXX BANK OF AMERICA # XXXX OPENED : XX/XX/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 2022-08-15 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX XXXXXXXX. 
OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX 
OPENED : XX/XX/XXXX XXXX. XXXX THEFOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-08-15 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX  XXXX. 
OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX 
OPENED : XX/XX/XXXX XXXX. XXXX THEFOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I applied for a home equity loan on XX/XX/XXXX. In the initial screening, I was asked if I had a money market account, and I said yes. Discover Home Loans, reached out to me for all the required documents, but did not ask for my money market statement. I called XXXX and asked about my status and they said it was finishing in underwriting and all was good and it would process the following week. The following week, I noticed that my loan was denied. I called Discover and they said the loan was denied because I didn't have sufficient liquid assets. Apparently you need 2x your monthly mortgage in your checking account. I was never advised of this. I could have moved money from my money market. Also, no one ever called me to discuss the denial even though the website says my personal banker would be reaching out to me. When I spoke to a different banker on XX/XX/XXXX, they explained the denial and said someone should have called me with a counter or to request the money market statement. Then he arranged for a supervisor to call me and said it would be that day. I never received a call from the supervisor. He said I could reapply with the money market, but I would have to start all over again. I had all the required documents and liquid assets to obtain this loan, but due to poor communication on the part of Discover employees, I was denied. In my opinion this is bad business. I hold a Discover credit card, they sent me the info to apply for the loan and then didn't do their part to close the loan properly, nor did they follow up with me when I called to understand why. I especially have a problem, with a supervisor not following up.

Company response to consumer: Closed with explanation