vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I have called the mortgage company several times and am not receiving any response to my questions. I have submitted all the documentation they have requested to process an application for a loan modification and the mortgage and they have rejected the documents I have submitted. 
When I call I am on hold for excessive hold times and then I am disconnected.

I have asked to speak to the escalation department am told they are not available and they will call back. I never receive a call back.

I have been give the names of my " Loan Specialist '' and she does not return my calls.

I was given the name of another escalation specialist and have called and left several messages and never receive a call back.

They are not helping me finalize the application, so, that I can resume my mortgage payments and make a plan for the past due balance owed due financial hardship impacted by the pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
The Barclaycard US claims that it gives direct statement credits for travel related expenses, which they list to include hotels, air fair, car rentals etc. They used to actually give these rewards. Now they have stopped giving them with the excuse that the charges aren't 'coded ' properly. However they do not say what the correct code is, they can not tell me what the wrong code is and the the vendors I have talked to about this say that they have no idea what the card company is talking about because they aren't coding their charges any differently. 

I've had many examples of this happening, but to give just one : on XX/XX/2021 I stayed at the XXXX XXXX XXXX XXXXXXXX in XXXX MT. Clearly this is a hotel. Yet the charge wasn't credited for the rewards category. I called customer support and they gave me their now standard nonsense excuse about the coding.

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 2021-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX - Inquired on XX/XX/XXXX. 
CAPITAL ONE AUTO FIN - Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX - Inquired on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: TX

Complaint narrative:
In XXXX of XXXX, I entered into an agreement with XXXX XXXX XXXX for cell phone service. Subsequently, I was billed twice for that period, once under the old agreement and once under the new one. The company also never honored the new contract and kept charging me per the old contract which was a lot more money per month XXXX XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX. Additionally, we traded in two older XXXX  and purchased two more that were offered as part of the new contract at a {$500.00} savings per phone. Those discounts were never applied as well. I spent many hours on the phone on multiple occasions trying to get this issue resolved, but after four months of not making progress and getting over charged, I was forced to switch cell phone providers. XXXX XXXX XXXX created this entire issue, they acted outside of the contract that they entered into with me, and chose to not fix the issue, though offered multiple chances. I do not owe them this money, and in fact they overcharged me and owe me compensation, for the hours that I spent on the phone with them. Although I have provided Experian documented proof that this is not a debt that I owe, they are refusing to erase the negative credit report from XXXX XXXX XXXX, Account # XXXX, opened on XX/XX/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 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I attempted to buy some cryptocurrency using PayPal and received a notification that " there was a problem with my account '' and that I needed to submit verification documentation XXXX bank statement, etc ). I did so immediately and was told three days later that I could no longer use PayPal and that my account was permanently limited due to a " potential risk. '' No explanation of the risk was given and as of this writing I have no idea why the account was limited or suspended even though I have used the service for many years. I currently have an approximately {$3500.00} balance in my crypto accounts and can not access it at all for another 180 days. They are holding my money and are not allowing me access to it for no defined reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth third bank has violated the Fair Credit Reporting Act ( FCRA ). They are still reporting a closed/charged off account from 2012. The first date of delinquency was on XX/XX/12. I was harassed and shamed by their recovery department. XXXX, a employee of the recovery department at fifth third bank also lied about the FCRA and stated that they will not remove this account from my credit reports because the date is actually from the last payment made which is 100 % false. He wouldnt let me speak. He was incredibly rude. I have record of my payment history with fifth third bank which I obtained from a local branch in XXXX, Ohio which clearly shows that my first date of delinquency/late payment occurred on XX/XX/12. After years of mistreatment and harassment from fifth third bank, I only ask that they respect the FCRA and my rights as a U.S citizen. I am not asking for any favors but just that they do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
I was in chapter XXXX  bankruptcy which was successfully discharged on XX/XX/2021. My current mortgage company Select Portfolio Servicing Inc. Refuses to report my good credit to the three major credit reporting agencies. My mortgage is current and all my payments are on time. But this company continues to report my good credit to the agencies. I have tried to resolve with this company to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On Friday, XX/XX/XXXX at XXXX am, Chase bank froze and closed my account without notice. No explanation was given and the customer service representative refused to comment on the reason. They locked the funds within the account and will not give me access to my money. They will only send a check via mail in 10-15 business days. I believe this happened because I bought XXXX on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: NY

Complaint narrative:
I don't know what to do. I am a victim of identity thef and I need help because my credit has really been affecte. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affecte by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have a checking account with Regions Bank, my roommate has account with Regions Bank. 
I receive my roommate check on the 3rd of each month for rent. They have one Region Bank in XXXX, so it is very busy. So i asked Regions Bank if they have online deposited. 
Well i went online to deposited the check into my account so i can pay the rent, it comes up 10 % fee to get the money immediately. That would cost me {$100.00} when we both use Regions Bank. Groceries have gone up, Medication gone up and gas as gone up. i been with this bank for many years, i cant understand why they are doing this with Covid 19 when so many people are struggling.

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 2021-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: DC

Complaint narrative:
This company put medical debt on my credit report causing irreparable damage to my credit score and the cost of great interest rates. The collection company ( Americollect ) when contacted mentioned XXXX XXXX did not process the medical procedure properly, causing the derogative information being put on all 3 credit bureaus. I have state medical insurance and do not receive medical bills because XXXX DC XXXX XXXX takes care of all my medical bills and any associated procedure needed. The collection company said the office processed the claim and cause my credit score to take a harmful dive and caused harship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
On XX/XX/2021 I reported a fraudulent brokerage account and a platinum debit card to Charles Schwab that was opened with my information. They informed me that this would be closed and my information would be flagged appropriately so this does not happen again. I reached out on XX/XX/2021 because I had yet to receive confirmation in the mail of the closure. During this call, I was informed that Charles Schwab bank allowed another brokerage account to be opened with my information after I already reported identity theft to them less than a month prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: CA

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Apple Card has my funds on hold. they have held {$500.00} from my available credit and not released it. I FILED A FRAUD CLAIM DUE TO A FRAUD CHARGE.. Apple CarD INSTEAD TOOK {$500.00} FROM ME AND IS NOW KEEPING IT ON HOLD. I FILED A POLICE REPORT ABOUT THIS ATTACHED IS THE POLICE REPORT. I NEED THEM TO RELEASE THE FUNDS FROM MY AVAILABLE CREDIT IT IS THE END OF THE MONTH I JUST PAID MY MORTGAGE AND ALL OF MY BILLS I NEED THE AVAILABLE CREDIT FOR EXPENSES THEY ARE HOLDING MY FUNDS FOR NO REASON

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: NY

Complaint narrative:
I don't know what to do. I am a victim of identity thef and I need help because my credit has really been affecte. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affecte by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Cogent Road, Inc.
State: VA

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc.
State: NV

Complaint narrative:
Company never sent me notice INCORRECT ADDRESS on debt as well they state it was a charge off I did not know this was even owed as well how can they try to collect call or threaten me when they reported it as a charge off I have sent registered letter to stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ). They are still reporting a closed/charged off account from XXXX The first date of delinquency was on XX/XX/12. I was harassed and shamed by their recovery department. XXXX, a employee of the recovery department at XXXX XXXX XXXX  also lied about the FCRA and stated that they will not remove this account from my credit reports because the date is actually from the last payment made which is 100 % false. He wouldnt let me speak. He was incredibly rude. I have record of my payment history with XXXX XXXX XXXX which I obtained from a local branch in XXXX, Ohio which clearly shows that my first date of delinquency/late payment occurred on XX/XX/12. After years of mistreatment and harassment from XXXX XXXX XXXX, I only ask that they respect the FCRA and my rights as a U.S citizen. I am not asking for any favors but just that they do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX  has violated the Fair Credit Reporting Act ( FCRA ). They are still reporting a closed/charged off account from 2012. The first date of delinquency was on XX/XX/12. I was harassed and shamed by their recovery department. XXXX, a employee of the recovery department at XXXX XXXX XXXX also lied about the FCRA and stated that they will not remove this account from my credit reports because the date is actually from the last payment made which is 100 % false. He wouldnt let me speak. He was incredibly rude. I have record of my payment history with fifth third bank which I obtained from a local branch in XXXX, Ohio which clearly shows that my first date of delinquency/late payment occurred on XX/XX/12. After years of mistreatment and harassment from XXXX XXXX XXXX, I only ask that they respect the FCRA and my rights as a U.S citizen. I am not asking for any favors but just that they do the right thing.

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 2021-03-26 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: CA

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: FL

Complaint narrative:
I recently pull my credit and i noticed a few collections on my credit with banks that i have never did business with. I did not authorized any of these accounts on my credit report.i called transunion, XXXX and XXXX to inform them and i was told to send a identity theft report. None of these accounts listed are related to any transaction done by 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 2021-03-26 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 recently pull my credit and i noticed a few collections on my credit with banks that i have never did business with. I did not authorized any of these accounts on my credit report.i called XXXX, XXXX  and equifax to inform them and i was told to send a identity theft report. None of these accounts listed are related to any transaction done by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
After taking out two private student loans ( with no issues ) at the age of XXXX and XXXX XXXX XXXX approx, Citizens bank had no issues with approving those two loans at over 11.7 % interest rate. As I have gotten more educated on the issue, I have attempted to refinance multiple times and excuses have ranged from my credit score not being high enough to I need a co signer to refinance. Its troubling and concerning to know what I have been mislead, deceived, and taken advantage of with this unfair and predatory lending behavior. I stated with {$38000.00} and about 5 years later I already owe about {$58000.00}. I will never be able to stay on top of the principal plus the interest. Action is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I enroll in Sagstream and have yet to receive a PIN number to unenroll

Company response to consumer: Closed with explanation