vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: KEYCORP
State: FL

Complaint narrative:
On XXXX Day of XXXX, XXXX we took out a loan with XXXX XXXX XXXX for the installation of a pool at our property at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX. The loan was sold to Key Bank on XX/XX/XXXX. We made monthly payments to Key Bank. As a result of the financial crisis in XXXX, we did a HAMP agreement in XXXX for our first mortgage with XXXX XXXX XXXX XXXX. We spoke with Key Bank subsequently and was informed that due to the HAMP program and our hardship they will release us from this loan. On XX/XX/XXXX a Release of Mortgage for this loan was sent to us by Key Bank. On XX/XX/XXXX we received a letter from XXXX XXXX XXXX informing us that we owe {$63000.00} for this loan. We sent XXXX XXXX a copy of the Release of Mortgage and they said that a Rescission of Release was recorded on XX/XX/XXXX by Key Bank and that the Mortgage Release was an error. We were never informed of this Rescission and no attempt was made to collect any monies from us for many years. We do not believe that we should be paying this amount. We believe that this is a dishonest attempt to collect monies from us after such a long period of time a Rescission was done. XXXX is presently on furloughed indefinitely. We are very disturbed about this new and sudden development during this difficult COVID-19 time. We are appealing to your office to resolve this matter for us as we believe that this is an illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX of XXXX, I submitted to Experian, XXXX and XXXX   a request to review my credit report and remove duplicates.. 
They have allowed the additions of multiple duplicate accounts to my credit report. 
The studen loan accounts have been discharged from my person due to a XXXX. 
The non payment history therefore should be removed since the accounts were discharged from my person. 
The accounts are now on my credit report in duplicate and afflicting my credit report. 
I have notified not only the student loan processer and the Credit Bureaus. 
They all have refused to remove the duplicate accounts. 
I have provided all documentation required for them to process the request. 
They transfer me to someone in another country who barely speaks english and tells me that there is nothing they can do and then hangs up on me. 
I need to have the DEPT OF EDUCATION/XXXX accounts removed from my credit report since the DEPT OF ED/XXXX/XXXX are the actual discharged accounts that reflect the discharge.

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 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I have been a quicken loans customer over 4 years and have decided to take advantage of the low rates available in the open market now. After a month and a half of getting my refinance approved we are ready to close as of last Wed XX/XX/XXXX. my lender has called for a payoff and i have called over 9 times in the last week with no help. All we need is a payoff letter so we cut a check to payoff my quicken loan. i was fully discharged from a Bankruptcy 3 years ago and did not take Quicken into the BK with me. I have never missed a payment or needed help. I am being told today finally after the 5th call and 3 hours later that i " should '' recieve a payoff letter with in 7 business days???? We requested this last week so now another 10 days on top of the already 7 we have been waiting. How does it take 17 days just to get a payoff letter????? I am about to lose my approval along with the XXXX cash out I am taking. I have been hung up on, mislead, ignored, not called back, argued with and just plain treated rude!!! All I want is the payoff so the trust can cut a check for Quicken Loans but instead I am about to lose my refinance and be stuck with Quicken loans which is the last place i want to have my loan with. I have never been helped so little and disrespected the way they have handled my concern. I need to repeat all I want is a payoff letter so i can pay my loan off in full. I have never been late an dont owe Quicken anything beyond the principle balance. Worst customer experience i have ever had in my life and its going to cost me thousands. Please someone help or guide me howto get my simple payoff from the lender. thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I had around {$3000.00} transferred out of my account from multiple sources including XXXX, XXXX XXXX, and XXXX. These transactions originally started small enough to where I did not notice them, in the {$10.00} range, then all of a sudden I got hit with {$500.00} dollar and {$1000.00} transfers. I contacted my bank, Suncoast Credit Union, and they made me feel like a liar that about my dispute claim. This being the only dollars to my name, They refused to provide funds until the investigation was complete, and refused to expedite the investigation. The biggest shockers here was I did not get ONE notification, from email, sms, or the app, about ANY of these transactions occurring. I have never moved this amount of money so fast, and they still did not think about to freeze the account. They had so many chances to stop this before it had finished happening. I highly doubt they will even honor my disputes the way they make me feel, but I enjoy going the litigation route against Suncoast!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: IL

Complaint narrative:
On XXXX of XXXX, I submitted to XXXX, Transunion and XXXX   a request to review my credit report and remove duplicates.. 
They have allowed the additions of multiple duplicate accounts to my credit report. 
The studen loan accounts have been discharged from my person due to a XXXX. 
The non payment history therefore should be removed since the accounts were discharged from my person. 
The accounts are now on my credit report in duplicate and afflicting my credit report. 
I have notified not only the student loan processer and the Credit Bureaus. 
They all have refused to remove the duplicate accounts. 
I have provided all documentation required for them to process the request. 
They transfer me to someone in another country who barely speaks english and tells me that there is nothing they can do and then hangs up on me. 
I need to have the DEPT OF EDUCATION/XXXX  accounts removed from my credit report since the DEPT OF ED/XXXX/XXXX are the actual discharged accounts that reflect the discharge.

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 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX of XXXX, I submitted to XXXX, XXXX and Equifax a request to review my credit report and remove duplicates.. 
They have allowed the additions of multiple duplicate accounts to my credit report. 
The studen loan accounts have been discharged from my person due to a XXXX. 
The non payment history therefore should be removed since the accounts were discharged from my person. 
The accounts are now on my credit report in duplicate and afflicting my credit report. 
I have notified not only the student loan processer and the Credit Bureaus. 
They all have refused to remove the duplicate accounts. 
I have provided all documentation required for them to process the request. 
They transfer me to someone in another country who barely speaks english and tells me that there is nothing they can do and then hangs up on me. 
I need to have the DEPT OF EDUCATION/XXXX accounts removed from my credit report since the DEPT OF ED/XXXX/XXXX are the actual discharged accounts that reflect the discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: LYON SERVICES CORPORATION
State: FL

Complaint narrative:
Applied for pool loan for {$30000.00} through Lyons financial. They distributed {$15000.00} to my contractor. Due to the length of time its taken to complete my pool project I have decided to reduce my loan amount to only half paid to my contractor {$15000.00}. The customer service agent informed me she was unable to cancel the other half of my loan but I could pay off the loan early. The interest accrues daily on this loan and I do not want to pay interest on my money which I explained to her and my payments will be based on the original amount of the loan so they will be much higher than I want. I repeatedly told her that I do not want to extend to the full amount. XXXX XXXX informed me today XX/XX/2020 at XXXX XXXX that she would have to escalate to senior leadership.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: EQUIFAX, INC.
State: OK

Complaint narrative:
Today ( XX/XX/2020 ) I have attempted to apply for a student loan from XXXX XXXX loans with a cosigner. They rejected my application due to unspecified credit reasons by Equifax. Subsequently I tried contacting the customer service number to Equifax provided to me. I have called the customer service number multiples times to reach an agent. However, despite having answered all of the identity confirmation questions, and calling during the proper times, they have refused to allow me to speak with an agent. They make it extremely difficult to contact support outside of automated responses and will not give me more information as to why I can not apply to loans with a cosigner. I'm at a loss as to what to do. I'm a low income college student at risk of dropping out because of the amount of stress I've been going through trying to finance my education. Equifax has left me with a bitter taste by not being available and helpful to me in this time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
XXXX and Pay Pal have worked together using the virus as an excuse to de fraud me out of money that the seller agreed to pay me back. But XXXX in order to keep the commissions from the seller has made it impossible for seller to refund through normal XXXX  procedures. Pay pal that guarantees to make non received purchased protected by a money back and is making it impossible for me to receive my money back. If you read from the bottom up what I am trying to send you and it is only a portion of the events pay pal and XXXX  have conger ed up holding one XXXX to the distance and the personal contact needed to correct the matter and use the poly of the virus to eat up the time to make the process work as they both represent it as is guaranteed to happen. My bank tells me that they hear this a lot and their hands are tied once I released the funds to pay pal. If they can stay open to take my money they can help me when they have made a mistake. 

On XX/XX/2020, I made a purchase for XXXX. on XXXX. I paid through pay pal immmediatly via pay pal. after I made the pay ment I went back and reviewed my purchase and discovered that the item was not totally correct. Immediatly I cancelled the order and emailed the seller and he cancelled it on his end and agreed not to ship out the items. XXXX in their scam emailed me and said could not cancel because item had been shipped. That was impossible since it was XXXX XXXX  in the morning and XXXX XXXX  in the morning their time. Pay pal and XXXX  refused to refund money until I sent the item back even tho I sent them emails from the seller saying he did not ship the items and would be willing to refund my money. 

It has been three ridiculous, frustrating months which I would like to show you of trying to get this money back to no avail. I live on XXXX dollars a month social security and XXXX I can not afford to loose. You need to see my evidence you would agree that it is a scam. It doesn't appear as tho I will have room on this page to forward it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-09-10 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This credit company is listing an account from XXXX. This account was included in previously discharged chapter XXXX. The account was listed as XXXX XXXX. They refuse to remove account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I filed bankruptcy on XXXX. I had a credit card and a line of credit with this credit union they closed credit card account but left line of credit account open so it showed on my credit report late 30 days then 60 days which is late for XXXX and XXXX for the amount of $ XXXX contacted the credit union once I saw inaccurate information and was told that it was accurate but I pulled credit reports And tried to dispute account. Pull new credit report it stated that line of credit account was still open and reporting late payments for XXXX and XXXX which is inaccurate information based on l filed bankruptcy XXXX and that account should have been closed along with the credit card I had with them as well.

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 2020-09-10 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: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
In XX/XX/2020, I noticed a charge for {$190.00} from XXXX on my Chase Sapphire Reserve credit card, which is a transaction I did not conduct. I called Chase to dispute the charge and they began their investigation. 

On XX/XX/2020, I received the attached letter from Chase indicating that the summary of their investigation was that this was a legitimate charge by me. As part of the letter, they provided an XXXX receipt as proof of purchase. This receipt has numerous and obvious errors : 1 ) The receipt indicates a Visa card was charged but it is NOT my credit card number. The XXXX receipt clearly shows the last 4-digits of the card charged and it does not match the last 4-digits of my credit card ( listed on page XXXX of the attached letter ). 

2 ) The XXXX receipt is dated XX/XX/2020. The transaction post date on my card is XX/XX/2020. Why would it take over 4 months for a charge to post to my account? 

3 ) The XXXX receipt indicates the ride was taken from XXXX XXXX, California to XXXX XXXX, California. I live in XXXX. In XXXX we were under quarantine due to COVID-19 with strict travel restrictions. I was nowhere near the state of California during this period. 

4 ) I sent a screenshot of my XXXX ride history to Chase showing no rides in the months of XXXX through XXXX I called Chase customer service on XX/XX/2020 and explained all of this. They indicated they could not assist me via phone and to send a secure message via the Chase website to re-dispute the charge. I did so that same day. 

On XX/XX/2020 I received a message from Chase they were researching. 

On XX/XX/2020 I sent a follow-up email to Chase asking for an update on status. 

On XX/XX/2020 I received another email stating they were researching. 

To date, I have received no further responses from Chase, no request for additional information, and no removal of the erroneous charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
I recieved a letter in XXXX from Penny Mac mortgage co. informing me that my payment was going to increase due to escrow funding. I assumed that the payment increase was gon na be in XXXX. But it was for XXXX i sent my normal mortgage payment of XXXX and they recieved and cashed it on the XXXX of XXXXwell they took my payment and put it in a suspense file because it was XXXX short of the full payment.they say they tried to contact me but could never reach me and on XX/XX/XXXX they placed a 30day late on my credit bueau report.now they have my mailing address but never sent me anything they say they called me but if a number comes up on my phone as spam i dont answer they have my email address but never emailed me to notify me of the situation instead they were real quick to put it on my credit bureau report.I have brought the payment current but they say that they cant take it off my credit report now.I was trying to refinance my house but this mark on my credit has stopped that process thanks to this very rude and aggressive company.

Company response to consumer: Closed with non-monetary relief