vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2020 I purchased a flight and resort stay through XXXX  for the amount of {$3300.00}. It was then cancelled without a refund due to closing of the company on XX/XX/2020. I made a dispute through my citi bank credit card on XX/XX/2020 as advised by both XXXX and citi customer service. On XX/XX/2020 I received a denial of money due to being in merchants favor even though I did not receive my goods or services. I verified this through the airlines and resort on the date of XX/XX/2020 previous to taking further action in disputing through Citi cards. I also received an email verifying the cancelation on 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 2020-06-29 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: PA

Complaint narrative:
I have submitted 2 disputes to experian, XXXX, and XXXX for account # XXXX for XXXX XXXX ( Original Creditor : 08 XXXX  XXXX XXXX  XXXX XXXX XXXX  ). Twice they have " verified '' this debt ... ..The reporting on their report is supposed to be 100 % accurate and its not. Here I reach out to portfolio for validation of debt as i have no recollection of this debt and they claim I owe {$450.00} as 2 out of the 3 ( XXXX  deleted it ) credit bureaus are reporting that I " owe '' {$450.00} ... ... how are they doing a full and proper investigation when the information is inaccurate? The answer is they have not ... I have attached documents as proof.

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 2020-06-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MS

Complaint narrative:
I called M & T Bank at the onset of COVID-19 to inquire what their options were going to be in the wake of the pandemic due to the possibility of my husband potentially losing his job. Their website stated they would process deferments, when I asked about that, they said it was an error and they would not do deferments, only no negative credit reporting and forbearances. I thanked them for their time as we were not certain at that time if my husband would lose his job. In XXXX of 2020, I received a call from M & T bank inquiring our financial situation as our FORBEARANCE was coming to an end. I told the agent that I never requested a forbearance and had made all of our payments on time. She said she took us out of forbearance even though I never asked for it. The next week, I get another call for the same purpose. I said the same thing, that we never should have been in forbearance, I repeatedly asked how that even happened and she said when I inquired about payment options that they put us in forbearance to help us out. I told her over and over that they legally can not do that. I work in XXXX  and I am aware of the implications of a forbearance. My husband went to pay online today and it gave him an error that he can not pay on the mortgage due to forbearance restrictions. I called again and she said the payment is in their system. I would like a letter from M & T Bank stating we were never in forbearance.

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 2020-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am a victim of Identity Theft. I had an account with US Bank XXXX that I closed. There were unauthorized charges totaling about {$14000.00} made to that account. I have contacted US Bank several times to have the Fraud Department research and have yet to have them resolve my account. This account is extremely damaging my credit scores and preventing me from getting the credit I deserve.

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 2020-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Valor Intelligent Processing, LLC
State: DE

Complaint narrative:
I am writing to record and dispute the attached letter that I have received XX/XX/2020, ( enclosed copy ) from Valor Intelligent Processing , LLC. 
I believe this is a collection scam as I dont owe money to XXXX XXXX XXXX. 
Valor Intelligent Processing , LLC called me, XX/XX/2020 @ XXXX XXXX  EST, from the following phone # : ( XXXX ) XXXX alleging I owe {$2200.00}. They requested I provide a credit card number over the phone for payment. When I refused, the female operator got quite belligerent with me ; demanding payment. 

I then requested a letter from her without providing any contact information to her. I received this enclosed letter XX/XX/2020. 

Please investigate this matter and contact me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Ok so pretty much this is with Navy Federal Credit Union. I originally went online to try and reopen an account that I once had over 15 years ago when I served in the XXXX. The reason why is because my current account had been closed through a digital bank without warning for no reason and if there was a reason I wasn't given that reason. I also filed a complaint about that. I did not hear anything from this bank for over six months so I decided to call. The first csr basically tells me because I was married so my last name is different in which I submitted the documents online. But I'm pretty much been given the run around simply to open a checking account and I'm furious it's apparent it's me if it's on my ID IF IM STANDING IN FRONT OF YOU IF IM VERIFYING THINGS ON THE XXXX ACCOUNT. but yet again they are asking to see the documents again. I am a XXXX XXXX so I'm not home during the week and it's super inconvenient for me to have to keep going through freaking rollercoaster rides for a simple account it's XXXX  and I'm sick of it they need to relax their requirements of the person is clearly there and they have already submitted documents they should have to keep repeating the same XXXX thing over and over and you need to tell your csr to make sure they know what they are talking about before they give a potential client or cusomter the XXXX run around. Y'all should be glad people want to bank here

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom it may concern. I have a few unauthorized things I would like to be removed from my credit report and all credit reporting companies as I am being hit with hard pulls I never applied for. The dates are XX/XX/2020, XXXX, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020. I recently applied for a XXXX  card and that's it all this other stuff is bogus or fraud. I never signed any papers. If they can show validation I'd love to see it because I never tried to do any business with above. XXXX XXXX  that's another inaccurate thing on my credit file in marks section. I will show you pictures of everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: NY

Complaint narrative:
To Whom it may concern. I have a few unauthorized things I would like to be removed from my credit report and all credit reporting companies as I am being hit with hard pulls I never applied for. The dates are XX/XX/2020, XXXX, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020. I recently applied for a XXXX  card and that's it all this other stuff is bogus or fraud. I never signed any papers. If they can show validation I'd love to see it because I never tried to do any business with above. XXXX XXXX that's another inaccurate thing on my credit file in marks section. I will show you pictures of everything.

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 2020-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
Great morning Thank you for your assistance. I am the daughter of a Veteran. The ex wife of a service man. And the mother of an XXXX. I work hard with an established career of over 20 years. 

As with all people life happened and I got behind on my bills. This has happen in the past when my grandmother and father passed away months apart. I worked with GMAC to get to them my home. I thought that the mortgage with being extended for 5 months. It turned out my fixed 30 year mortgage signed in XX/XX/XXXX was extended to XXXX. That is not helpful to me at all. 

In XXXX due to everything going on. I got behind on my mortgage again. I asked for assistance from PHH. During this time PHH has reported me being behind which caused my credit score to drop extremely low. The modifications was discussed and received last week. When I found out it is a new 30 year mortgage I was XXXX. How is this helpful? I advised the PHH representative that I was not interested in starting a new mortgage. This was not my intention at all. I asked about their credit reporting stating I was $ XXXX behind. The representative advised it was due to the pandemic and them not being able to work on my request. 

I researched information online and discovered mortgage companies are targeting XXXX people and keeping them in mortgages not helping them as the modification should be used to. I am requesting that PHH mortgage company is looked into for these unfair practices. I do not want a new 30 year mortgage. At this point I feel like my mortgage should be considered paid in full and the title released to me.Both GMAC and PHH mortgage company fell to help me. Both companies are trying to keep me in mortgages for life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
On XX/XX/2020, I submitted a dispute to ChexSystems with evidence, proving XXXX accounts ending in " XXXX '' & " XXXX '' were paid in full. XXXX responded to these disputes stating these accounts were " unpaid '' and the receipts were illegible. Therefore, I resubmitted these receipts and contacted ChexSystems, and requested for these receipts to be re-presented again to XXXX. Afterwards, on XX/XX/2020, I inquired about status this investigation, and I was informed only one account " XXXX '' was updated to " paid in full. '' I have contacted ChexSystems several times, until XX/XX/2020 two more investigations were opened and as of today still no results. I do believe ChexSystems has thoroughly investigated because proof of receipt or paid in full status was provided twice. ChexSystems has refused to have a conference call with XXXX, therefore, I did not have a choice but to file a compliant.

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 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ditech Financial LLC
State: IN

Complaint narrative:
Ditech Mortgage filed bankruptcy. leaving its customers without any recourse. when I filed a complaint against them for not reporting my payments accurately they simply removed my payment history completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Upon receiving notice from this company I Have never done any business with I requested they explain themselves and forward me a cop y of any contract i signed with them. My affidavit clearly stated they could take NO FURTHER ACTIONS against me until they lawfully validated and verified the debt. I heard no response from them though I forwarded them 3 different letters/affidavits, official legal documents. I heard nothing for months. 

Then I pull my credit report only to find a new " debt buyer '' as XXXX XXXX labels them to be listed on my credit report dropping my score 48 points! I called them to no avail. I rude and combative representative was not even listening to my request. I requested to speak with her supervisor, was put on hold for 25 minutes and hung up on. This company is a scam " debt collector '' utilizing illegal tactics, threat, duress and coercion. How they bring a matter to court, obtain an unlawful judgement without proof of service or ever filing a legal document and contacting the primary is beyond me. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Five years ago, my husband and I applied for the Forgiveness program through Navient for our student loans. We were told at that time that if we make 120 consecutive payments that the balance would be forgiven. Four years into the program, we called to check and make sure we were on the right track because we were going to retire and planned that this loan would be payed off after 120 payments. Upon that call, they informed us that we were not on that program and were given misinformation and that it would take 25 years to pay off our loan. Well after we retire. We would have done something else five years ago if they had not given us misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Company ACCOUNT RESOLUTION SERVICES CLAIMED THAT THEY'VE CLOSED AND DELETED REFERENCED ACCOUNT NUMBER XXXX BUT IN FACT THAT'S A LIE! THEY RESOLD THIS ACCOUNT TO COLLECTION COMPANY " XXXX XXXX XXXX '' I'VE ATTACHED SCREENSHOT FROM PREVIOUS COMPLAINT ABOUT THIS COMPANY STATING THAT THIS ACCOUNT XXXX WAS CLOSED AND DELETED THIS WAS NOT THE CASE. THEREFORE I'M PROVIDING PROOF OF THERE LIES. 

AND SEEING HOW THEY'VE OUT RIGHT LIED TO THE CFPB BY MAKING FALSE CLAIMS OF FRAUDULENT DELETION IS AGAINST FEDERAL LAW! THAT'S VIOLATING MY RIGHTS AND DISRESPECTFUL TO THE CFPB 'S INTELLIGENCE! THESE THREE REFERENCED ACCOUNTS NEED TO BE DELETED IMMEDIATELY OR I'LL DEFINITELY TAKE LEGAL ACTION. 

Delete account 's from my credit report : 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 2020-06-29 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: TX

Complaint narrative:
For years I have tried to dispute an item with Transunion listed as XXXX XXXX XXXX. This account is not mine and the information they have is not accurate. They refuse to remove the item despite this inaccuracies. I have sent to them proof of this and it still returns as verified by their e-Oscar system and stays! I have attached my full complaint as well as supporting documentation.

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 2020-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA

Complaint narrative:
I have tried multiple times to resolve several issues with Aspire Servicing Center. But they have refused to make changes after multiple contacts and efforts. 

The company still has old references on file that I requested to have removed or updated several times. Some of these people are deceased or no longer would be available for contact references. I made two attempts to request these updates/removals by phone and two by writing, but have not heard back after three months. I need a new reference form to add new updates, plus a complete history of references listed/removed since my loan inception, how they were added or removed. 

The company also has several errors with contact information. I have always been active in contacting center online or by email, giving my updated information. But they have added several phone numbers that aren't mine. I need a complete history of contact information, and for company to only use the same phone number and email on file in record now. 

Calling for past due loans has been sporadic and highly bothersome. Calls are always conducted when at work. When I have answered and asked the representative if we could schedule a different call time, they have continued with call to the point I have had to hang up due to work. 

Process for deferment or forbearance is highly inconvenient in time of pandemic crisis. Several times my forms have been invalid because company still requires a written signature. No online option for requesting forbearance makes it difficult for many who don't have access to printer or fax.

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 2020-06-29 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 — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/20 I applied for a Verizon co-branded VISA with Synchrony Bank. I was approved, but on XX/XX/20 I received a notice from Synchrony Bank advising me that they did not assign the best interest rate they offer. This notice included information as to why this was the case. 

Included in this notice were key factors adversely affecting my score : 1. Highest ratio of bank revolving balance to credit limit was too high 2. Too few revolving accounts 3. Insufficient mortgage information 4. Too few accounts currently paid as agreed I reviewed my XXXX   report on XX/XX/20 and none of these items appear, with the exception of item # 3, which seems to have dropped off ( my mortgage with XXXX XXXX is suddenly missing from my XXXX report, possibly due to a transfer of that loan from XXXX to XXXX ). 

My credit usage is less than 20 % of available credit lines. 
I have 5 or more revolving credit lines. 
All are current, and have been current for 6 or 7 years, at least. 
No accounts are not " paid as agreed. '' I contacted Synchrony Bank and was advised to contract XXXX. I contacted XXXX, and they provided a copy of my credit report which does not match up with any of the reasons stated by Synchrony Bank as to why my score was low per their review. 

I need to see the reason why Synchrony listed these reasons for my score. Their source, XXXX, does not seem to provide any basis for 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 2020-06-29 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: NJ

Complaint narrative:
I am the parent/co-signer on my son 's student loan that is serviced by XXXX XXXX/XXXXXXXX  XXXX XXXX. I send in monthly payments by automatic debit from my business account with XXXX XXXX. I sent check # XXXX for the sum of {$220.00} on XX/XX/XXXX ; and check # XXXX for the sum of {$220.00} on XX/XX/XXXX. XXXX XXXX XXXX lost both checks. I contacted them via email on XX/XX/XXXX and forwarded copies of my bank statements showing the cashed checks. XXXX XXXX XXXX  reported delinquency notices on my credit report causing my score to lower approximately 70 points. On XX/XX/XXXX, I spoke with Supervisor, XXXX ( Employee XXXX ). I informed him that XXXX sent me the cancelled checks cashed by XXXX and asked to settle the account. XXXX informed me that XXXX XXXX has no process to settle accounts. I want to be able to settle the account due to the unfair damage XXXX XXXX XXXX caused me on my credit report.

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