vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I HAVE ADDRESS THATS ON MY CREDIT REPORT THATS DOES NOT BELONG TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
In XX/XX/2019 I applied for a JC Penney Credit card. At that time my credit was in need of serious repair and I believed a low limit store card would allow me to build better credit. On XX/XX/2019 I was approved for a {$500.00} limited. 

I have made several small purchases over time. Each time I have paid the card in full, including my last payment in XXXX XXXX for {$57.00}. The balance on the card was {$0.00}. 

XXXX XXXX I received a letter from XXXX XXXX that JC Penney was using information from XXXX XXXX to cancel my account. Furious I reached out to JC Penney because I believed they improperly pulled my credit history. The representative said they did not pull it, it was provided to them by XXXX XXXX. 

JC Penney was authorized to pull my account in XXXX to make a credit worth decision. The credit bureau was authorized to release it at that time. The credit bureau is not authoized to repeated send my creit report to my credit cards monthly and doing so in this case has actually negatively affected my credit that I was working to repair. As other inquiries will see that JC Penney took this action. 

My complaint is on both parties and I will consider filing a suit against both, but first I would like to file a complaint here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have attempted to get a copy of my credit report from Experian both online and by mail. 

On XX/XX/2020 I attempted to get my report online and was refused. 
On XX/XX/2020 I mailed a request for my report and included the required documentation. 
I received a postcard refusing my request for the credit report again on XX/XX/2020. This postcard contained no information about how to obtain my credit report other than a link to annualcreditreport.com ( which had already refused my request in 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 2020-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On `XX/XX/2019, without any input from me as a consumer, Bank of America closed all of my credit card accounts. Before they were closed, I had a significant amount of cash back money or points in those accounts. I was told that based on terms and conditions I signed, all those cash-back money/points will be forfeited upon cancellations. I have called Bank of America to point out that I was not the one who initiated the closing. Bank did. It is grossly unfair for a bank to encourage my using of the credit cards to build up those cash-back points to then cancel my cards and took away all those accumulated points and cash back money. I ask that CFPB look into the matter and help me to change Bank of America 's position on 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 2020-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
There is a lot to say here. I am at my wits end and what i read about this company both from cfpb and other customers has me really concerned. I had problems before the pandemic. I was behind. Before the loan transferred from XXXX i wrote certified letter which i have proof of telling them i was in the property and to contact me once my loan transferred. No one did. then XXXX  XXXX XXXX did and then i heard nothing. Yet they still did a property inspection on XXXX despite me letting them know i was in the property.I requested over and over again thru Ms XXXX by phone and by email what was needed for my review to complete it. nothing for weeks it was not until i escalated it that she got back to me and she calls me when i am not available or when i give her a time she does not say yes i will call and confirm and then she misses me. I still need CLARITY as to what is needed for the review. While i am actively trying to sell the home, i still want the review to go forward. I need loan modification papers now. here is the latest issue in addition to all else, needless property inspections, unanswered QWR and an account manager who does not do her job consistently and get back to me. i just got a paper saying the payment will go up to XXXX with a XXXX escrow shortage. there is no way i can do that. and i have never had such a high payment with such a high monthly amount. Also i have no idea where shortage is coming from the back amount i owe from being behind? since taxes have not gone up that much. I am also doing a property tax appeal now. I need answers. I need relief asap and a full explanation. I need answers to QWR as to why payment went up from XXXX to XXXX or so. I sent it nothing just like I sent that i was in the property and they still did needless inspections. I will never pay for those. In your answer you are going to answer me with a script saying that inspections are in the promissory note. not when you know where i am and when i have mde it known i am in the property which i did. Courts have found them to be arbitrary an capriicious. 
I need this escalated not nasty scripts back i need my case reassigned which ihave asked for over and over. Your reputation Fay servicing is not good and i will not lose my home or be hte victim of unscrupulous acts. I want out of the home as i have for years. i am working on that but i will not lose my time. i need an explanation asap on all and a loan mod and a review. pending selling this place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
SPS, Select Portfolio Servicing, purchased my mortgage from the previous lender ( XXXX, XXXX XXXX XXXX ) in 2019. SPS is conducting activities during the payment process designed to deceive the customer, and to cause customers to incur additional fees because of SPS ' intentional delaying tactics. 

For example, they will not permit me to log in to pay my account until I receive a " verification email '' from them. This is the procedure I have had to endure each month when I try to make my payment, for the past nine months. 

They say on their web page : " We'll send your code to the email address listed below. Please verify this email and click Continue ... ... Allow time for the email to be sent. We will send it immediately, but other factors determine how quickly you will receive it in your inbox. Be sure to check your SPAM folder if you have one. If you waited but never received an email from us, please contact customer service. " After this page is published they then fail to send the email, at least not until after the online session times out ( Screenshot attached ) or you call customer service and wait on the telephone for an extended period of time, last time was about 40 minutes. Then when you do get a customer service representative on the line, they tell you it is your fault because you " cleared the cache '' on your computer, and that by doing so you have removed their capacity to recognize the computer you are using. As if they have the privilege of determining which compute I might use to make my payment, or how I should operate it! Outrageous! 

As of this moment it has been just over 35 minutes since I received notice at their website that I should check for an email, and none has arrived. 

They are trying to generate late fees and service fees by this tactic, and it is simply fraudulent. So far I have managed to spend the time each month to comply with their foot dragging, but it is infuriating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
Exeter Finance XXXX XXXX XXXX XXXX, TX closed my vehicle loan and reposted vehicle account during Pandemic COVID-19 situation. I had informed them about my employment was interrupted due to COVID-19. The finance company refused to take a flexible approach that would assist me and my account that would allowed me to remain current on this account and maintain the account to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kentucky Higher Education Assistance Authority
State: IL

Complaint narrative:
My entire federal income tax refund of {$930.00} was garnished after after the law was placed to stop garnishment because of the economic crisis the pandemic has caused. I received a letter from the education department explaining the new law and they still garnished my tax refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: NY

Complaint narrative:
I had a charge off from XXXX XXXX XXXX ( XXXX XXXX ) that was settled for about 50 % ( {$490.00} ) of the amount on XX/XX/XXXX. The payment was made on that day which closed the account out. This was paid directly to The XXXX XXXX XXXX before it ever went to collections. 

On XX/XX/XXXX. Midwest Recovery Systems placed a collection account on my XXXX and XXXX credit reports for the amount of {$850.00}. Reporting the account as open and unpaid. 

Midwest Recovery Systems has never sent me any collection letters before they added the account to my report or after. 

I have attempted to contact them via email and their online messaging system in vain. I have also left a voicemail. I have not heard back from Midwest Recovery Systems. 

So in the end Midwest Recovery Systems added a collection account to my credit reports without ever reaching out to me or trying to contact me AND they are trying to collect on a amount that was paid to the orginial creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
Last fall I received a statement for for {$3300.00} from XXXX XXXX XXXX XXXX, XXXX. The bill was from 10 years ago. Since I had never even heard of XXXX XXXX, nor did I ever utilized his services, I called his office and spoke to his office manager. She could not find any supporting documents to support the charge. She said she would look into the matter and call me. 

XX/XX/XXXX I received a notice from Capital Accounts for collection of said bill. I responded by mail asking for support documents ( itemized bills ) and then we could discuss the matter. I am now receiving daily calls from agents from Capital Accounts. Every day they ask if I am prepared to resolve the matter. Every day I ask for supporting documents. They continue to call and I have not received anything. 

They have called my work number. They have called my cell number. They have even called my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery has been reporting on my credit files for nearly 7 years now. My husband died XX/XX/2011 which is why I was unable to continue paying for it. My income was reduced because his income stopped after he died.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
when separated there was a bal on comcast that was never forwarded because XXXX took over account. 

once came to my attention. was paid in full immediatly. 
but it is still showing up on collections on credit reports at experian and others. 
i was told it was to be removed and it is on there. 



also on credit report my ex husband is listed as current spouse. 
i would like that removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2019, without any input from me as a consumer, Bank of America closed all of my credit card accounts, including some business credit card accounts. Before they were closed, I had a significant amounts of cash back money or points in those accounts. I was told that based on terms and conditions I signed, all those cash-back money/points will be forfeited upon cancellations. I have called Bank of America to point out that I was not the one who initiated the closing. Bank did. It is grossly unfair for a bank to encourage my using of the credit cards to build up those cash-back points to then cancel my cards and took away all those accumulated points and cash back money. I ask that CFPB look into the matter and help me to change Bank of America 's position on 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 2020-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On Friday XX/XX/2020 at approximately XXXX XXXX, I went to Chase ATM ( XXXX XXXX XXXX XXXX, XXXX, OK ) and made a deposit of {$460.00}, once my deposit was complete, I received a printed receipt that stated To be sure your deposit went through, please call XXXX. I called that number and they transferred me to their claims department. There I gave them all the details they asked for only to be told that I would have to wait a MINIMUM of ten ( 10 ) days before I could receive a TEMPORARY credit. This was all the money that I had until I received my payroll check on XX/XX/XXXX! I was not given any further information and I still have her to hear any further actions taken. This is a trying time for everyone due to the situation relating to COVID-19 and has caused a great inconvenience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-09 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 — Was not notified of investigation status or results
Company: Innovis
State: SC

Complaint narrative:
I have sent 2 separate letters on XX/XX/2020 and XX/XX/2020 asking for verification of multiple fraudulent and questionable items on my credit report and have not received back anything in over 90 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a major stress on my life and loss of wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This letter is to request you to remove inaccurate information from my credit report. 15  U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate items. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2020-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I closed on a home I owned in Ohio on XX/XX/20. The day of my closing I was told by XXXX XXXX that a wire was being sent to my bank to payoff my mortgage and deposit the proceeds of the sale of my property to my checking account. I received a payoff letter from Chase on XX/XX/XXXX and had it sent to the XXXX XXXX XXXX. I was told not to make any more mortgage payments because I was scheduled to close on XX/XX/20. The day of closing my mortgage was not paid even though the buyer was given keys to my home and had moved in and started remodeling before I received a dime for payoff of my mortgage. My mortgage remained unpaid until XX/XX/XXXX because the weekend passed before I was told that the funds from the buyers loan was sent to the wrong Title Company. HOW?? When they finally wired the funds it was now XX/XX/20. My complaint is against the following parties XXXX XXXX , XXXX XXXX ( OH ), XXXX XXXX (  OH ), XXXX, XXXX, Chase and all parties who were responsible for the delay of my mortgage payoff and then the subsequent reduction in my credit scores. Over {$200000.00} of mortgage and revolving debit was paid and my score was decreased instead of increased. On XX/XX/XXXX my credit score dropped by 87 points from XXXX to XXXX with XXXX  and I learned today that my credit score dropped 93 points with XXXX   from XXXX to XXXX. Now I want to know how someone who's never been late before on any bills can now have my credit score crushed after paying off a mortgage and paying down revolving debit by approx. {$14000.00}. This is even in light of the pandemic we are now going through. I should be congratulated rather than penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: MI

Complaint narrative:
This letter is to request you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate items. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX XXXX XXXX / XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: MI

Complaint narrative:
This letter is to request you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate items. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX XXXX XXXX / XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, OH 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