vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
To whom it may concern, We already filed a complaint for this loan however the response given was completely beating around the bush and the concern was never addressed. A loss mitigation submission was submitted for review to Select Portfolio Services on XX/XX/XXXX. On XX/XX/XXXX we were told the file had been denied due to excessive forbearance as well as the client exhausted all of her loss mitigation options as it was stated she used the maximum amount of modifications the investor allows. I have made several requests through the ombudsman for copies of the three modifications the lender claims she has received. These requests have been requested since XX/XX/XXXX and several calls have been made and each time we were told the modifications would be sent to us. As of now, a copy of the modifications the lender stated this client has had and as of XX/XX/XXXX I have only received 1 modification from XXXX. The issue I have with this is the terms of the XXXX modification do not match her current terms which would make any amounts due from XXXX moving forward incorrect and also would change the way the file should have been reviewed for loss mitigation. Also stating the client has had 3 or more modifications when the servicer can only produce one is dangerous because the investor is being misled to believe they have given three modifications. This client has a legitimate hardship and has the ability to make a modified payment. At this time I am requesting the following. A hold be placed on the sale date for XX/XX/XXXX. I am again requesting a copies and proof of all loan modifications the client has received since the loan was taken out. I am also requesting a new loss mitigation review be done based on the corrected numbers and balance as previously stated the number and terms from the modification that is on file does not match current terms.This client has owned her home since XXXX and wants to save her home along with her children who love their home. This client can afford a newly reinstated restructured mortgage. However they do not have the correct balance or terms for this loan as they claimed there are multiple mods and there are not and have yet to provide the proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: NV

Complaint narrative:
these creditors removals prove that these items should be deleted

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 2019-08-23 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
We purchased a prepaid cruise and tour of the XXXX XXXX through XXXX XXXX XXXX, using a Barclays bank Master Card for installment payments. When we arrived at the hotel in XXXX, on XX/XX/XXXX, the XXXX XXXX, we presented the same card for incidentals. Upon checkout, on XX/XX/XXXX, we were charged and have a receipt for XXXX euro in incidentals. We continued to use the card, a chip card, for the rest of the trip. 

After returning home, we see on our XXXX statement a charge for {$7300.00} on XX/XX/XXXX, from XXXX XXXX of XXXX XXXX. We have no idea who this is, or what the charge is for. When we reported this to XXXX, they took the charge off of our account, stopped the card, and issued a new card, and we thought all was well. 

Subsequently, we were contacted by XXXX and told that since the card remained in our possession, and that it was a chip card, that fraud was not possible, so we are liable for this charge. We have disputed this statement, since we have no idea what the charge is and did not authorize it, it is fraudulent. XXXX XXXX tells us that the merchant is in the hotel business, so there must be some connection to the hotel. 

After several go arounds with the XXXX fraud and dispute staff, including sending a letter XX/XX/XXXX recounting our story and disputing their denial of the claim, we received a call saying that they were standing by their position that no fraud occurred and that we were liable. Interest continues to accrue on this charge. 

I called them today and were told two things, that the case was closed, and that a new case was opened # XXXX to request proof from the merchant about the validity of the charge. I told them that I was planning to file a complaint with the CFPB, and they were OK with that. I was told that a manager would be getting back to me within 24-48 business hours. 

I hope that you are able to help with this matter. Its quite possible that we are not the only tourists who have been victimized in this way. Please advise.

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 2019-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi has repeatedly called my place of business for the past 2 months trying to obtain payment on a debt. I am in a program through XXXX XXXX XXXX where I am working to resolve my debt. My boss let me know that Citi called her and they informed her of my debt, which is extremely embarrassing. This is my personal business and now knowing that my supervisor knows about my current financial struggles puts me in a very awkward position. I have repeatedly asked Citi not to call any phone number other than my personal cell phone, but they continue to call my work.

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 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: IL

Complaint narrative:
I applied for an Illinois Hardest Hit Fund. back in XX/XX/2019. IHDA submitted my file to Sun Trust Bank. It was submitted to Suntrust in the beginning of XXXX. Today is XX/XX/2019 and they have STILL not responded to IHDA in reference to my mortgage. 

My housing counselor and I called Suntrust on a 3 way call. The incredible part is NOBODY at SUNTRUST even knows what The Illinois Hardest Hit Fund, and they do not even know what the program is, and who to refer us to at the bank. 

They signed up and agreed to participate with the program, yet they are doing nothing about this.

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 2019-08-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Viewed credit file through Equifax in reference to XXXX XXXX XXXX XXXX account showing charged off in the amount of {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hello. I recently noticed that my FICO score ( which was over 830 in XXXX ) .. dropped XXXX points, as you can imagine, I assumed someone had infiltrated my personal information. 
You see, My 12 year old son went into XXXX failure in XX/XX/2019 and spent almost 2 months in the hospital and in XX/XX/2019, my mother died and I had to take care of all the details concerning her funeral, vacating her apartment and her burial ... needless to say, an extremely difficult few months. But after researching I found that Kohls dept store had reported a {$48.00} balance after I had paid ( via phone ) what the rep told me was due. As you can see from my 27+ years of using credit responsibly, this Kohls amount of {$48.00} that was not paid was unbeknownst to me at the time of my phone call with the company when I was told my open balance was {$290.00}, which I forthrightly paid. 
I am requesting a total reversal of this unwarranted filing ASAP. Thank you for your consideration

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23 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: FL

Complaint narrative:
I have incorrect information on my credit file as a result of identity theft : XXXX NEGATIVE ACCOUNTS : COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$280.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$280.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$150.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$960.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XX/XX/XXXX {$760.00} EQUIFAX NEGATIVE ACCOUNTS : - XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} COLLECTIONS : - XXXX XX/XX/XXXX {$1400.00} - None provided - XXXX XX/XX/XXXX {$1400.00} - None provided - XXXX XX/XX/XXXX {$960.00} - None provided - XXXX XX/XX/XXXX {$110.00} - None provided - XXXX XX/XX/XXXX {$180.00} - None provided - XXXX XX/XX/XXXX {$350.00} - None provided - XXXX XX/XX/XXXX {$220.00} - None provided - XXXX XX/XX/XXXX {$150.00} - None provided - XXXX XX/XX/XXXX {$220.00} - None provided - XXXX XX/XX/XXXX {$280.00} - None provided - XXXX XX/XX/XXXX {$220.00} - None provided - XXXX XX/XX/XXXX {$280.00} INQUIRIES : - XXXX XXXX XX/XX/XXXX XXXX COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$280.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$150.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P XXXX XX/XX/XXXX {$280.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$960.00} - XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23 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: Early Warning Services, LLC
State: IL

Complaint narrative:
I APPLIED FOR A CHECKING ACCOUNT XXXX WITH XXXX AND IT WAS BROUGHT TO MY ATTENTION THAT A INCORRECT CHECKING ACCOUNT RECORD WAS STILL REPORTING FROM XXXX XXXX XXXX IN MY EARLY WARNING CONSUMER REPORT. I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX XXXX AND ANY ACCOUNT OPENED IN MY NAME WAS FRAUDULENT. I DISPUTED THE INFORMATION AND PROVIDED THE NECESSARY DOCUMENTATION AS A VICTIM OF IDENTITY THEFT. IT WAS THEN BLOCKED PER THE LAWS OF THE FCRA. FOR ONE REASON OR ANOTHER IT WAS RE ADDED! THIS INFORMATION IS INCORRECT AND IS A RESULT OF ME BEING A VICTIM OF IDENTITY THEFT. PLEASE ASSIST. EARLY WARNING IS NOT FOLLOWING THE LAW AND I WOULD LIKE TO LOG THIS COMPLAINT AGAINST THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have a new hard inquiry on my XXXX that I don't know. It is from elan financial whom I don't know They have left no contact info. 
I called XXXX with no results. Please help for I believe this is an attempt of identity theft.

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 2019-08-23 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: CT

Complaint narrative:
I received a second credit card from XXXX XXXX. Upon receiving the card I filed it away. Several months later, I received an e-mail from Experian Credit Service which I subscribe to alerting me that a 60 day late was reported to my credit report. Upon investigating this I discover it was fees being charged on the new XXXX card which was never used. I then called XXXX and I was told the card was issued paperless billing and I never received an e-mail from XXXX which they acknowledged and I was credited back late fees. I have attached a copy of the recent statement which displays the credit. 

I then asked XXXX to removed the 60 day late since it hurt my credit rating. They told me their was nothing they could do and I would have to file disputed with the three bureaus. I began with Experian since I have an account with them. I could barely understand the person I talked to. I then went to XXXX and XXXX websites which turned out to be traps to join their service before I could submit a dispute. 

I then called XXXX back and it was clear the person I was speaking to 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 2019-08-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Viewed credit file through Equifax in reference to XXXX XXXX account showing charged off in the amount of {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: FL

Complaint narrative:
Experian Notified Experian about the following inquires and asked for a deletion. 
They are not mine and company refused. 

XXXX XX/XX/18 Inquiry XXXX XXXX, XXXX. XX/XX/18 Inquiry XXXX XX/XX/18 Inquiry

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 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I tried to make multiple payments through capital one 's payment system. My payments never made it to my bank but they say the payments were returned. Capital one marked my account 30 days late. I spoke to five different representatives and they all were unhelpful. Capital one has had issues in the past accepting ACH payments. This company has failed in customer service as well as failing to update account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
My wife and I went to XXXX XXXX XXXX in NJ on XX/XX/19 and we purchased a Dining room set and Rug. 
The receipt says 5 year warranty. They told us we could finance the purchase with no interest. They arranged the financing through Synchrony Bank aka Synchrony Financial. They opened a credit line up to {$7000.00} but the items we purchased came to {$3900.00}. The items were delivered on XX/XX/19. Later in the day we smelled a terrible toxic smell from the table and chairs. We called the merchant the next day. My wife has XXXX and she had to use the XXXX several times in the night. The merchant told us to open the window, and let the wood air out and it would go away. The smell never went away, and it began to smell up our entire house. We kept calling the merchant, and he was ignoring our calls. Finally we went to the store on XX/XX/2019 to demand that they take back the furniture. The manager cursed at my wife and said some terrible things to her. On XX/XX/19, the merchant sent 2 men to pick up the items. They showed us a paper that said exchange, and we crossed it out and put return. They refused to give us a copy or receipt of the pick up. We have a video of them picking up the items. The Mgr. wanted us to come back and select different furniture. We refused because of the way he treated us and insulted my wife. During this time, we notified Synchrony Bank of the dispute and they asked us to make a small payment while they investigated. We refused because the merchandise was toxic and returned. Synchrony did an investigation and wrote us a letter that said we have to pay the {$3900.00} because the merchant told them we still have the furniture. The Merchant sent them a false reply indicating that we still have the furniture and they are waiting for us to come in and do an exchange. The is not true, we did not exchange, we RETURNED. Our attorney tried to speak with Synchrony on XX/XX/19 while we were present, but they refused to speak with her, although I gave them verbal authorization while we were all on the phone. They said that I had to MAIL in written authorization, They refused to give me a FAX Number or email. They gave us the mailing address. This is a bad practice. We know that the merchant was paid and now he's trying to get us to buy something else from him. We are disputing the debt and they are making it difficult for us. My wife sent them the video of the pick up and they said it wasn't clear. Our attorney saw the same video and she said it was very clear.

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 2019-08-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Viewed credit file with Equifax in reference to XXXX XXXX Bank account showing charged off in the amount of {$5800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL 3 CREDIT REPORTING AGENCIES CONTINUE TO REPORT FALSE INCORRECT INFORMATIOM XXXX XXXX   XXXX XXXX..NEVER HAD ANY BANKRUPTCY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Viewed credit file with Equifax in reference to XXXX Bank XXXX XXXX XXXX account showing charged off in the amount of {$3400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: PNC Bank N.A.
State: PA

Complaint narrative:
On XXXX/19, I received call from my bank PNC from fraud department, that I have un suspicious transaction on my account. I go online, and saw that I have 2 same pending transaction on my account $ XXXX, I call to bank, they close my debit card, and issue provision credit back on my account. Yesterday I deposit check on my account, and a soon i open my information, I saw that from account debit again 2 same transaction $ XXXX on XXXX/19, from my old debit card, which was close on XXXX/19. I spend on a phone with PNC, over hours, trying to get back my money. I do not understand how they protect they customers if they aloud to take money to someone from close debit card. So after spending hours with PNC customer service representative, who hang up on me, after I spoke with supervisor XXXX who also put me on hold, and transfer me back to the line on hold, I did not get any resolve and I did not get my money back on my account.

Company response to consumer: Closed with explanation