vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-01 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: MI

Complaint narrative:
I never gave Equifax written permission to furnish a consumer report on my behalf. This is a violation of 15 USC 1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: Exeter Finance, LLC.
State: SC

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the letter below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house for my family.

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 2022-01-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the letter below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
On XX/XX/2021, someone moved {$2100.00} out of my XXXX XXXX. 
Coinbase said I need to report to police and you to do any investigations or recover my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-01 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: MI

Complaint narrative:
I have never given TRANSUNION written permission to furnish a consumer report on my behalf. Them doing so is identify theft and a violation of 15 USC 1681b ( a ) ( 2 ).

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 2022-01-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Credit inquiries on my I don't recognize

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 2022-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Credit inquiries on my I don't recognize

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 2022-01-01 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: NC

Complaint narrative:
Credit inquiries on my I don't recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
1. I was steered into forbearance when I could not make my student loan payments in 2014. I was enrolled in an income based repayment plan. The number was too high given my expenses and I was told that my only option was forbearance. I believe that I was still charged interest. 

2. I had issues with the yearly income recertification. There were times that I missed the deadline to recertify. The emails did not include deadlines, or there were no email reminders that I saw, or there was inadequate information in the emails. When I did recertify after realizing that my loan payments jumped up, I often lost months because it took the servicers a long time to approve the recertification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: AL

Complaint narrative:
I am an XXXX XXXX  male who owns real estate property in a prominent suburban neighborhood, and I feel that I have been discriminated against due to unfair practice of a Real Estate Appraisal Report who unfairly devalued my property. 
These are the concerns, a ) the appraisal underestimated the square footage of my home dating back to its original listing in XXXX and previous appraisals reports, the square footage was reduced down to XXXX square feet, rather than its actual square footage of XXXX, and b ) there were other recent comparable properties that sold in my neighborhood that was not considered, especially one that sold for much higher value at the same square footage the appraisal listed in the report nearly {$50000.00} difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In approximately XX/XX/XXXX, I opened a credit card account with Synchrony Bank to cover sewer repairs for my home. After being notified that I had been approved, I never received any further communication from Synchrony. 

Approximately XX/XX/XXXX, I received a call from a representative from Synchrony saying that the first payment was due and I could pay online. I had to be notified by phone because I never received a statement nor credit card. 

Since XX/XX/XXXX, I was making my payments online, with no further communication with Synchrony. When I paid my bill on XX/XX/XXXX, I noticed that the balance had doubled from {$4000.00} to over {$8000.00}. When I called to inquire why, I was told the interest had been added to the account because the promotional interest rate had expired. 

My issue is... I never received any communication from the company ; never received a statement nor a credit card since taking out the loan. Had I received any statements from the company, I would have known the promotion was expiring, and based on my excellent credit rating, I would have transferred the loan to a personal loan and not accrued the over {$4000.00} interest that negated all the payments made for 1.5 years that lowered the remaining balance to half of the loan amount. 

When I called on XX/XX/XXXX and was connected to a manager, I was told I had activated a card that I have never, to this day, received and that I enrolled in electronic statements, which I did not and also have never received by email. Based on the fact that I would have had to activate both the card and electronic statements, and I did not, it should not be hard to prove that I did not activate nor receive the statements nor credit card. When I expressed this to the manager and informed him that, if calls are recorded, as they claim, their should be proof that I did not call to activate a card. Additionally, there should be a record of the initial call that I received to be informed that the first payment was due because I never received a statement to inform me. When I relayed this to the manager, he hung up on me. 

I called back and tried to speak to a different manager who told me the same thing -- that I had activated both actions -- upon which time I informed him I would be filing a complaint with the Consumer Financial Protection Bureau. 

I simply want the interest charge reversed, at which time I can transfer the loan to a personal loan and be done with Synchrony Bank.

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 2022-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have few accounts with wells Fargo including a cridet Card and mortgages accounts. 
the bank mixes up the payments an apply to the wrong account many times. 
then they refuse to help and order me to make calls to diffrent department and stay on hold to fix thier mistak. theu are very unprofessional when they responed to my complaint. 
and give me lots of hard time and wast hours of my time pushing back on the issue instead of resolving it.

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 2022-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
XXXX. I was steered into forbearance when I could not make my student loan payments in 2014. I was enrolled in an income based repayment plan. The number was too high given my expenses and I was told that my only option was forbearance. I believe that I was still charged interest. 

XXXX. I had issues with the yearly income recertification. There were times that I missed the deadline to recertify. The emails did not include deadlines, or there were no email reminders that I saw, or there was inadequate information in the emails. When I did recertify after realizing that my loan payments jumped up, I often lost months because it took the servicers a long time to approve the recertification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: TN

Complaint narrative:
On XX/XX/21 I pulled my Experian consumer report and notices collections account that were not permitted to be reported, and which I contested and Experian send me the Disputed Results on XX/XX/21 in which were deleted with the exception of two of the accounts, however, on XX/XX/21 I pulled my consumer report again and all of the collection accounts that were initially disputed were deleted. 
By them deleting the collection accounts they are held civilly liable for the violation in which my reputation, character, and ability to obtain credit have been damaged. 

Attachments Affidavit of truth XX/XX/21 Disputed results XX/XX/21 Updated credit report with the deleted collection accounts XX/XX/21 Invoice sent XX/XX/21 XXXX recepit stamped XX/XX/21

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 2022-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Loan Modification payment 3 times higher than normal payment. PHH is acting in bad faith and illegal business practices ; 1 ). During this entire process, I have only actually talked to my single point of contact only once and that was after I needed to set a 2 week appointment - PHH has NOT provided me with a true in fact single point of contact - please see attached phone log I had with a PHH customer service rep herein attached ; 2 ). Loan Modification payment is too high ( see attached PHH letters ) My loan modification payment is suppose to be lower ( PHH can achieve this by forgiving partial balance, extending loan term to 40 years, lowering interest rate to 1.5 %, first 5 years set the monthly payment at {$2000.00} and then gradually increase - We are just getting through a pandemic which wreaked financial havoc on myself and my family and NOW PHH proposes I pay nearly {$7000.00} per month? 
3 ). XXXX XXXX- during this entire loan modification process, PHH has held an open and active Trustee 's Sale date against my home. I requested written confirmation that said XX/XX/XXXX was cancelled however PHH never provided me with any. Please see attached notes ; When I called into my single point of contact who was not available, the PHH customer service rep would NOT confirm that said XX/XX/XXXX was cancelled however told me I could speak to my single point of contact on XX/XX/XXXX which was the soonest I could speak with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I think Ive already filed one complaint but BMO Harris their customer service is so nonexistent it actually managed to cost me a small amount of physical harm. First I called up and had to hang up because I couldnt hear the person on the other end. When I called back they acted like they couldnt hear me and eventually they just stop talking and I had to hang up. Third time I called back they had closed and they closed up super early so I couldnt reach em. 

I am still trying to get a hold of them and I have not even able to check up on my paychecks. This is bad. 
Theyve also injured my finger because I have a nervous habit caused by XXXX. And I was so stressed out I did a little too hard and now my finger is a little bit messed up. Its even interfering with my job

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 2022-01-01 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: NC

Complaint narrative:
Incorrect information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Followed AMEX directives and tried to resolve goods not received instances with the company in question. I've had a subscription with them for years but they stopped sending in XXXX of this year. I've been trying to resolve since XXXX but tried to give them time to resolve the issues when they just stopped responding to me. Then contacted AMEX as a last resort believing that they help and cover their customers ( and have seen them do so in the past, for example, refunding a co-worker of mine for accidentally booking travel insurance and other charges for an entire YEAR ). Apparently, they only do that for certain customers because I was told that I should have disputed immediately - that my charges were too old and that they could only dispute 60 days worth. I mean - WHAT???? They literally just allowed me to be scammed by telling me when I first tried to open a dispute to resolve it with the company. THEN, when I do that, suddenly my charges are too old to dispute through them. No one told me that, they literally created the situation by telling me to resolve it with the company first. I didn't even have any reason to think the company would do this since I have been receiving a subscription from them since 2014. Zero customer service, zero reliability, AND AMEX scammed me by stating that you need to resolve with the company when you try to open a dispute on your account. NO WHERE does it say there is a time limit for opening this dispute, just that you need to go resolve it with them first. That is the scam!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover bank caused me to have a nosebleed at work today. Let me explain, it all started last night I was going to set up an account @ their Bank. But the only person I was ever able to speak to you with this same one mindless corporate drone. Absolutely insistent certain things just had to be done online. She caused me to have a XXXX she stressed me out so much. I havent been having very many XXXX since I moved I have an abusive situation with my parents. Theyve actually become quite rare, In a negative sort of way this is sort of impressive. And because I had one XXXX last night ; And if having another one at work in the course of trying to do my job. Had to interrupt work on the clock to take care of it & ruined a kn95 mask

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
the XXXX XXXX has a manufacturing recall and the lender did not explain the third party payments or the fact that the interest would be so high why is credit acceptance allowed to do this this is abuse

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 2022-01-01 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
My credit was pulled without my consent

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 2022-01-01 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: CORELOGIC INC
State: WA

Complaint narrative:
My credit was pulled without my consent

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 2022-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Happy XXXX XXXX. I own a rental property in XXXX XXXX that suffered considerable water damage and received a {$10000.00} check for repairs from my insurance company. It was assigned to me and my mortgage company, New Rez. It had to be endorsed byNew Rez. They received the check ( which was endorsed ) on XXXX. I phoned New Rez to find outwhat theprocedure was. They sent me a form letter stating funds over {$40000.00} are held in an escrow account, under {$40000.00}, the check was sent to the owner. New Rez referred me to XXXX XXXX XXXX at Shellpoint Mortgage Servicing. I called on XXXX, XXXX, XXXX, XXXX, and left messages, no reply. I finally talked to XXXX XXXX who assured me that I would get all the information I needed. Never heard from her again, ever. 
I emailed XXXX XXXX at that office XXXX, XXXX, XXXX. No response. I finally got a hold of another assessor by the name of XXXX XXXX, on XXXX, who told me that the cheque was deposited to their account in my name., but wasn't released because they did not have a copy of the field adjusters report. They never asked for one, either from me or the insurance company. I sent them the report that day, and it was acknowledged. Never Heard from anyone again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: UT

Complaint narrative:
I believe I have been a Victim of Identity Theft. There has been one or more fraud accounts .On my credit report that I'm not aware of. I'm reporting these accounts to be investigated indicating 605B Code 15 Section 1981I. I'm asking these accounts be deleted and removed until A Further investigation has been enforced. My Credit is very important to me. I have had many issues due to inaccurate information on my credit reports. These accounts need to be addressed and deleted until Further due diligence is determined. 

Also wanted to state that XXXX XXXX did not at all have my permission to have a loan in my name what so ever. Im reaching out to you for your help. Please have this removed from my credit reports and to do something about this company. 
thank you so much for your help I greatly appreciate you from the bottom of my heart.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Debt is not mine

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation