vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
The American Express team cancelled my card for no apparent reason. Someone made a fradulent charge in the amount of {$1000.00} last month. I contacted the police and I have a complaint number.Someone in XXXX, NJ used my card fraudulently. I was in the process of setting up a new checking account to make the regular {$40.00} payment to American Express. They cancelled my cards and I would like to re instate the account. I never have a problem with making payments. I think that someone is hacking my cellular phone and personal information. They caused me to ruin my accounts. I never had a problem like this previously. I had this card since I graduated from college.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BOEING EMPLOYEES' CREDIT UNION
State: OR

Complaint narrative:
Received a letter from BECU ( Boeing Employee Credit Union ) saying I had taken out a loan and my payment was overdue. When I called to verify what the bill was and that I had not taken out a loan with them they directed me to their webpage to dispute and wanted me to fill out an IDENTITY THEFT AFFIDAVIT. This form collects all my personal information. When I asked them about it, they said that was the only was to dispute the claim. I said I was uncomfortable providing that information when they should clearly already have it. They said that there was nothing they could do until they had that information and the debt owed would be reported to the credit reporting agencies. From the letter I can not tell what information they have about me other than my mailing address. When I check their website, it all looks legit. What am I supposed to do in a situation like this? Just ignore it? Please advise. Let me know if there is additional information you need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
TransUnion is reporting account XXXX XXXX XXXX XXXX, XXXX as paid, 30 days late. However, there's no possible way. Account opened XX/XX/XXXX and current. Current XX/XX/XXXX, closed XX/XX/XXXX. That is NOT 30 days, nor was I ever late on this account.

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 2022-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
My mortgage servicer sent me the final modification agreement with the trial payment note and other documents. These documents were signed, notarized and XXXX back to PHH. The required trial payment was also made. I called my mortgage servicer customer service dept to verify they received the documents. I was told by XXXX ID # PDE there was an FHA Covid 19 that was better than the modification we had. 
He also told me they had canceled the modification I had and was working on another modification. I received by mail a denial for my previous modification that we returned to our servicer. Today XX/XX/2022 I was told I was denied, and it was to late for the modification. PHH has canceled my modification, PHH has bad servicing practices and I feel they are trying to set me up for a foreclosure on home. I have done what I needed to do to get my mortgage back on track but the servicer is giving incorrect information and not keeping up with my documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica
State: MI

Complaint narrative:
I am maintaining checking account with Comerica Bank jointly with my wife. I have sufficient balance amount in my account as required by the bank. I am also having one account jointly with my daughter in XXXX with her name as first name and mine as joint holder. My daughter is not operating her account and not keeping the sufficient balance as required by bank. On XX/XX/2022 the bank debited {$46.00} from my account and transferred to my daughter 's account being negative balance for not keeping proper balance. Instead of closing her account or contacting her the bank started debiting {$11.00} for every month. This debit balance is being charged for the last 5 months. This does not make any sense to penalize me for the low balance in my daughter 's account. By doing this the bank is treating me as a defaulter. I request to intervene in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr. Cooper Mortgage, Loan Number XXXX We are in the process of a load modification and we were asked not to pay until we get a new bill with the refinanced amount as part of our agreement. The company has not been able to reflect this agreement in the system, and they called my husband 's place of employment 3 times the week of XX/XX/XXXX to collect on a balance that was not owed. I called Mr. Cooper on XXXX and XX/XX/11 and provided my phone number and advised not to call work. 
Mr Cooper called my hsuband 's place of employment again on XXXX and left a message on XXXX specifying the balance past due and sensitive information for my husband 's place of employment to hear on the main line on speaker. 
The recorded message where Mr. Cooper left a message clearly states that it was a business by the name of XXXX XXXX of XXXX that they were contacting and it was a general line. Mr Cooper proceeded to leave a message and at this point it is harassment and a very embarrassing position to be in. 
This is against FTC laws. Please help us with getting this terrible practice removed from this firms ways of working. 

Regards XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Naviet keeps sending notices that my loans are due and increase interest throughout the pandemic loans have been waived and i am already in a income drive payment plan and they keep saying i have payments when they are included and i sent them documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX/XXXX  XXXX  1 late payment
$XXXX  Balance updatedXX/XX/XXXXXX/XX/XXXX
Account number
XXXX  Account status
Open
Date opened
XX/XX/XXXX
 XXXX  XXXX  XXXX
XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a chase sapphire credit card which advertises XXXX points if you spend {$4000.00} in the first 3 months. I received the credit card on XX/XX/2021 and from the XXXX XXXX it showed me that I was spending > {$4000.00} during the 3 month period. However, I didn't receive the credit card awards and when I called to chase, they told me that they have all the fine print such as fees, open date that were not obvious in the offer and told me that I am XXXX dollars short from getting the promotional points. I called twice and their altitude is " don't care '' and didn't bother to see what I see in the chase app about spending summary. Their altitude is horrible and not empathetic at all. I am going to move all my business away from Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Since XX/XX/2021 till now, there have been reps from Navient that when I have explained to them I am on a health leave and dont have the means to pay they insist and insist that I get in a plan and make a payment. I have told them that I am also trying to finish up some courses that will help me get some income when my Dr takes me off the health leave. All I hear from the reps are that I need to get in some pay plan and if not I will be sued. What am to do then I say if they are not willing to help me then I will have to file XXXX I dont want to do that but their calls are only based on threatening to sue me they dont offer me any reprieve and yet there are other loans they put in deferred b/c I am In School yet these tLoans they are threatening to sue me for are not in forbearance and put a lien on any property I may own. Those to me are threats and no offer of help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a collection reported on my account, and I was made aware of that on XXXX of XX/XX/2022. I called Equifax on XXXX XX/XX/2022 to file a dispute which Equifax confirmed that they filed a dispute, and when I called them back on XX/XX/2022 to know the status of the dispute, to my surprise they confirmed that there was no dispute made on my name. But, when I asked Equifax to check for the call notes, they checked and confirmed that Dispute was made but due to technical reasons it did not go through. 

Since XX/XX/2022, I called Equifax multiple times to get my issue resolved, basically to get my collection of XXXX $ removed from the record as it was paid off and also the collection agency confirmed that by sharing the collection removal letter. 

One of the equifax agents told that they would expedite the request, but the status never changed. Also, Equifax doesn't give an option to me for submitting the collection removal letter online. 

As per FCRA, the issue needs to be fixed within 30 days, but Equifax did not resolve the dispute within XXXX, and also claims that I raised a dispute on XX/XX/XXXX. Please have Equifax share the call notes where the dispute information is logged on XX/XX/XXXX ( multiple calls ). 

Due to this problem, I am unable to get mortgage and got it in contract. Now, the buyer is saying he would sue for the damages if I can't fulfill the contract. I have done my part by called Equifax on XX/XX/XXXX to fix the problem, but because of their poor customer service, the dispute did not go through and now I am facing the lawsuit, and would lose XXXX $ plus legal costs. 

The lender wants me to get this removed, and then he would provide necessary loan which I would like to take and fulfill the contract. 

Also, Equifax is not ready to share any information related to the Call notes with me via email for evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: Open Dealer Exchange, LLC
State: GA

Complaint narrative:
XXXX between the hours of XXXX. I contacted credit bureaus and creditors that my personal information was compromised. Credit was applied foe without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I had previously filed a complaint against Equifax with an attached Equifax Annual Credit Report. In that report it is not showing the actual payment amounts for each month. 

I was not able to get an Annual Credit Report from Equifax and had opened many complaints everywhere asking to be able to access my Equifax Annual Credit Report, and this was the case for nearly two years, to suddenly about two months ago I was again allowed access. 

I find that after using the Equifax credit report in a CFPB complaint to point out incorrect and missing payment history, that soon after the Equifax Annual Credit Report is now not showing any actual payment amounts made to the creditors. That whole section of the reports are no longer shown in the most recent Annual Credit Report, when it is THE report that's used to see the actual payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: IN

Complaint narrative:
TransUnion is reporting closed account XXXX XXXX XXXX XXXX XXXX as closed XX/XX/XXXX yet also report a payment amount of $ XXXX  monthly with terms of 46 months. This is a violation of FCRA, consumer laws and XXXX. Because this account has so many errors I also questioned the past due amount, balance and pay status. TransUnion responded they had received certification from the creditor and the account would not be removed or updated. When I called the creditor on XX/XX/XXXX I was informed there is no such account in their records at all. I was told I do not have an account with them currently and I do not owe them monthly payments of any amount.

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 2022-03-16 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: GA

Complaint narrative:
Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX I received XXXX letters in the mail from a law firm by the name of XXXX XXXX XXXX. This is the first time for me to receive notice of SUMMONS OF CONTINUING GARNISMENT. Case noXXXX Civil Action file noXXXX XXXX XXXX is constantly filling lawsuits against me since the beginning of the Pandemic. Since my devoice in early XXXX, I have been struggling to pay off old past debts. The Pandemic started in XXXX and caused me to go under in debt even more. The account was under collection along with other accounts all under one collection company ( XXXX XXXX XXXX ). For each collection account they have on me, they are suing me. I can not breath for having to try to make court and try to negotiate, and now they want to garnish my only means of income, when I am still trying to recover from sick leave and unemployment benefits when Covid was at a all time high. I am currently working now but yet being targeted by the fear of loosing my job, because of garnishment.

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 2022-03-16 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: NY

Complaint narrative:
XXXX XXXX XXXX  Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my Transunion consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX  for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

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 2022-03-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I disputed a account on my report and the investigation passed the 30 days required by the furnisher. Account needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Zillow Group Inc.
State: MA

Complaint narrative:
I signed closing disclosures stating my monthly payment was {$1400.00}. My mortgage was sold and now my payment is almost {$100.00} more per month because my closing disclosures were wrong. No attempt was made to notify me that they were wrong and the amount was more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I have been a customer with Wells Fargo for quite some time but have never had to experience what I have in the last 2 months. On XX/XX/XXXX while I was in volleyball practice a person deposited a fake check into my account in XXXX XXXX for XXXX XXXX There were also 2 cash withdrawals of XXXX $ at an XXXX atm and food purchases in XXXX  at a place called XXXX XXXX XXXX for XXXX XXXX While at practice, I tried to change my password several times because I kept getting notifications for transactions I obviously was not doing. I reported fraud with Wells Fargo and went through the whole claims process. I was given a new card and account number etc.. However, it was super unprofessional and not done in a timely manner. I reported fraud and the reason that was put on my claim was " She couldn't remember making those transactions '' when I told the representative without a doubt, I did not deposit that check or buy anything in XXXX. I don't live there and don't spend any time there. My claim was denied and closed but nothing was told to me. I waited a little over 10 business days and called Wells Fargo back on XX/XX/XXXX to find that out and all the representatives could say was it was denied and that I made those transactions, or they were authorized by me so there was nothing else they could do. I was at a lost on what to do to get this taken care of. So, on XX/XX/XXXX I called Wells Fargo again to tell them the representative that filed my claim was not truthful in what she put. I was given an email to contact which was ( XXXX ) I wrote them an email but never received a response. I was left XXXX $ in the negative from something I did not do. My deposits are all getting eaten up because of this. I have no way to provide for myself.

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 2022-03-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX 
1 late payment
$XXXX  Balance updated XXXX XXXX XXXX
Account number
XXXX  Account status
Open
Date opened
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH 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 2022-03-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX between the hours of XXXX. I contacted credit bureaus and creditors that my personal information was compromised. Credit was applied foe 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