vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-22 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: GA

Complaint narrative:
There were credit inquires on my credit report not authorized by me. 

Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
After closing my account comments bank pulled my credit on XX/XX/XXXX without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
I am a XXXX year old male living in Massachusetts with my wife, and XXXX children. I have been unemployed since XX/XX/XXXX. My wife works 32 hours a week and we have been struggling to keep up with our bills. In XX/XX/XXXX, we began to find we could not cover our monthly mortgage payment. Our home lender at the time, XXXX XXXX, approved a temporary mortgage forebearnace till XX/XX/XXXX or until I got a job. However, they sold my mortgage to Specialized Loan Serving in Colorado in XX/XX/XXXX. This company has been extremely difficult to deal with. They frequently do not answer when I tried to contact them during weekly business hours. They frequently call me leaving harassing messages that I am delinquent on my loan and have sent me several letters in the mail saying I am delinquent on my loan and they are going to foreclose on my home, only to send me another letter the following week saying " we inadvertently send you a notice of intent to foreclose, please disregard ''. They also said I owed over {$18000.00} which I do not believe is correct as 7 months of mortgage payments would be around {$7000.00}, plus any late payment or other fees.This has caused my wife and I much distress, and contributed to exacerbating some health concerns we have. I now have found a job and will start the end of XX/XX/XXXX. However, when I contacted Specialized Loan Servicing to inform them I had found a job and could begin making my scheduled monthly payments in XX/XX/XXXXbut needed a loan modification to arrange to pay off the 7 months of monthly mortgage payments I was excused form under the forebearnace, they would not talk with me. The said I needed to fill out a loan modification request form on their website and submit it. They said it would not be reviewed for 30 days and then a decision would be made after that. By that time, my mortgage forebearnace would be over and they could try to foreclose on my home even though I now have a job and want to resume my payments. I feel that this is unfair after XXXX XXXX gave me the mortgage forebearnce in good faith with the understanding that I could then begin to pay my mortgage payments when I did get a job and work with me to do a loan modification to arrange to pay the past amount due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/XXXX, I closed my checking account with Bank of America. On XX/XX/XXXX, I paid off the remaining balance on my Bank of America credit card of {$90.00}. The closing of my account and confirmation of credit card balance payment was confirmed in person with the the Financial Center Manager, XXXX XXXX, at the XXXX Georgia Bank of America. 

Fast forward to XX/XX/XXXX, I applied for a business credit card and was denied. After checking my credit report, I found that Bank of America had re-charged my credit card for {$90.00} starting XX/XX/XXXX, and had not informed me that I had any outstanding balance due on my credit card. Because I had not received any notice of this outstanding credit card balance, no payments were made, and the balance accrued fees that totaled {$270.00}. 

I met with XXXX XXXX and XXXX XXXX in person at the XXXX Georgia Bank of America to figure out why I was charged a second time for the {$90.00}, and why it had accrued so many fees. They were unable to get any answers, and weren't able to figure out why the {$90.00} was re-charged to my account. They called the credit card department, which was no help. The credit card department asked them to review my banking records, which we had already done and was the reason we called the credit card department in the first place. After 3 hours of back and forth, no resolution was made, and I left the bank. 

I called the credit card department to complain about the fees, and to dispute the charges because I was never notified of any due or late payments. They said they were unable to prove or disprove that any notifications were sent out, and would not assist me any further. 

This has hurt my credit score greatly. I have had no late payments on any card, and have had no debt, no liabilities other than the current credit card balance, which has always been promptly paid off. The only reason my credit score is  now in the mid 500s is because 1 ) Bank of America falsely charged me {$90.00} that was already paid on XX/XX/XXXX, and 2 ) Bank of America never notified me of the late and unpaid fees that began accruing in XX/XX/XXXX. 

I have not had a change of address and no change of email or log-in information, so there is no excuse for Bank of America to have not communicated these fees and charges. Now they want me to pay {$270.00} for a {$90.00} charge, that I had already paid off. Also, my once-excellent credit is now terrible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
After numerous attempts, USAA categorically refuses to delete my membership. This represents a personal security risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a dispute letter to Equifax on XX/XX/2019 via certified mail that was recieved by Equifax on XX/XX/2019. I did not recieve anything via email, phone, or mail from Equifax in the 30 day required time frame for the investigation. I sent another letter to Equifax on XX/XX/2019 via certified mail informing them that they had not responded in the 30 day window and must remove the negative item I was disputing in the first letter, and were in direct violation of FCRA. I still have not recieved any email, phone call, or mail regarding this matter from Equifax and they have not removed the negative item from my credit report. That item is very much hurting my credit score and Equifax is in direct violation of FCRA punishable by a fine of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I had my Identity stolen on or about XX/XX/XXXX. the party attempted to apply for a Synchrony Bank/Paypal credit card under my name. It was denied and my Paypal account was closed. Additionally a hard credit inquiry appears on my XXXX credit report. I have been unable to get it removed. I would like to get it removed. Thanks, 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 non-monetary relief
Consumer complaint received 2019-12-22 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: WI

Complaint narrative:
On my credit report with TransUnion, XXXX  and XXXX  it states that USBK COURT XXXX WISCONSIN bankruptcy court is the one reporting a bankruptcy to them, in which the Bankruptcy court does not report anything to the credit agencies. I was also notified by TransUnion that it was verified as accurate.I also sent them a certified letters asking the big 3 to send me something verifying with the courts that the bankruptcy is accurate as Transunion states thats the reporting individuals.I also have a credit freeze with multiple agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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: MN

Complaint narrative:
Not my items

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2019 I have made a purchase on XXXX as I do over hundreds of times a year : The payment was handled by XXXX as payment for merchandise : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX ( globalcoinlogistics ) Payment - {$32.00} However the Chase Credit card classified the transaction as cash advance and charged me not only a {$10.00} fee but confiscated the rewards points that I would get as result of it. 
Despite bringing this point to credit card I was told that the transaction was coded as cash advance and it doesn't matter that the reality is different. 
It appears that Chase doesn't feel it needs to protect consumers from unauthorized use but it aids and abets fraud as long it can profit from it. 

I have never used cash advance anywhere before I am completely surprised and shocked that Chase would be engaged in activities such as this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-22 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
This company furnished my auto, which that auto was totaled and this loan was paid by the insurance company. This company has inflated fees and cost, I have asked the company several times to provide me with original contract, with my signature and consent, and a breakdown of payments and what the insurance company paid them, and they keep responding to my dispute as verified as accurate. Ive asked them to also provide me with how they verified the information, Ive received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This company furnished my auto, which that auto was totaled and this loan was paid by the insurance company. This company has inflated fees and cost, I have asked the company several times to provide me with original contract, with my signature and consent, and a breakdown of payments and what the insurance company paid them, and they keep responding to my dispute as verified as accurate. Ive asked them to also provide me with how they verified the information, Ive received no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MA

Complaint narrative:
I have been in Loss Mitigation with Flagstar bank since XX/XX/XXXX. Since XX/XX/XXXX they have asked for a copy of the HUD 1 to be sent to them. The document has been faxed to them at least a dozen times and each time they say they have not received it. I have uploaded the HUD 1 directly to my account to make sure they have received it including again a few minutes ago. Its the only document that is missing from the file per XXXX a supervisor I spoke with tonight around XXXX. 



She stated that on XX/XX/XXXX they closed the case again for that one document that has been sent over and over and over again. I have a buyer that offered {$350000.00} on the home that I owe {$350000.00} on if he walks because of this incompetence I will have no choice but to do a deed in leiu of foreclosure. 



I have tried to do my best but I am a XXXX XXXX  XXXX ( 25 years of service ) that was in a serious on duty cruiser crash on XX/XX/XXXX, my injuries were so severe that I can never be a XXXX  XXXX again. I am still awaiting approval of my XXXX   pension and the city is fighting me for it. They fired me on XX/XX/XXXX because of a XXXX contract clause while waiting for my pension to be approved which caused this loan to go into default. 



Can you Please Help! Its bad enough I have to fight the XXXX of XXXX XXXX. But I have no energy left to fight this bank! 

XXXX was fined by you in XXXX for XXXX XXXX dollars for the same issues I am having now, apparently they have not learned their lesson. 

I also attempted to send a email to XXXX XXXX who is a supervisor of the loss mitigation department in XXXX Florida at : XXXX. The email went thru on XX/XX/XXXX @ XXXX XXXX, but I still have not received a response back yet XXXX XXXX Thank You,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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: WI

Complaint narrative:
On my credit report with XXXX, XXXX and Equifax it states that USBK COURT XXXX WISCONSIN bankruptcy court is the one reporting a bankruptcy to them, in which the Bankruptcy court does not report anything to the credit agencies. I was also notified by XXXX that it was verified as accurate.I also sent them a certified letters asking the big 3 to send me something verifying with the courts that the bankruptcy is accurate as XXXX states thats the reporting individuals.I also have a credit freeze with multiple agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION
State: VA

Complaint narrative:
BB & T was offering a promotion for new customer ( I am a new customer ) for a {$300.00} bonus if an account was opened using a code and by midnight XX/XX/2019. I opened the account with the code before midnight. On XX/XX/2019 my opening deposit of {$50.00} dollars was credited to new account. The terms said 2 ACH deposits of {$100.00} dollars needed to be completed with 75 days of account opening or another action. I had multiple ACH deposits of {$100.00} within the 75 days. one on XX/XX/XXXX and one XX/XX/XXXX and thus completed all the terms of the bonus. 
1 ) New customer 2 ) Opening a bright checking account by XX/XX/2019 with code 3 ) Two ACH deposits of at least XXXX with $ 75 days. 

After several weeks I began calling BB & T, I got many lines. It takes 3 months, it takes 90 days for account review plus 4 weeks. Then I started emailing them about where was my bonus. First it was 90 days plus 4 weeks, when that passed it was only for people who got it by mail, and I could not remember if I got it by mail, with my high credit score I get lots of offers, then it was you opened it on XX/XX/XXXX and it was too late. I sent the email screen shot of NEW ACCOUNT OPENING, dated XX/XX/XXXX. Banker told me this now needed a corporate review. 

They are lying to me over and over and have no intention of honoring the bonus after I played by their rules.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2019 I submitted a letter as formal complaint that Transuion is reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : XXXX XXXX XXXX Collection Amount : {$1300.00} Original creditor name : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This company sent me a letter stating I owed a debt to XXXX XXXX  in the amount of {$260.00}, but they would settle for XXXX if I call them and settle it. The amount they are stating is owed, was from equipment being sent back delayed due to Hurricane Harvey hitting and flooding the XXXX area some years back. The equipment has since been returned and the account is a XXXX balance. Also, I was a service member that was able to void the contract with military orders for XXXX. This company is requesting money that isn't even owed with any validity. They are preying on a XXXX XXXX XXXX Veteran. I have already dealt with this with another collection company prior on the same exact debt! It's a shame that these companies exist. I will not provide this company any personal information in order to dispute through their website. This is ludicrous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
On XX/XX/2019 I submitted a letter as formal complaint that XXXX is reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : SUNRISE CREDIT SERVICES Collection Amount : {$1300.00} Original creditor name : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In early XXXX, I received a notification from my credit monitoring company, that I had an account in collections. It was an account with ProCollect again. The account is XXXX for and online application for an apartment at XXXX XXXX  XXXX XXXX XXXX. Not two months ago the exact same situation happened with this collection company ( a different apartment complex ). No one contacted me by phone or mail to tell me about the collections account even though they have all of my contact information before sending this account to my credit report so I could provide documentation for identity theft. I called the company after receiving the notification and talked to Ms. XXXX. She falsely told me I had only three days to dispute the account. Additionally, I requested all documentation related to the account on the phone and twice by email on XX/XX/19 and XX/XX/19. In the emails, I provided my state ID, my identity theft report, and debt collection letter. They have not sent me any documentation to this account so that I can file a police report and dispute this charge as identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation