vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
Axos Bank charged me nearly 3 years of interest on a 5 years CD that had only 3 month left until full maturity. Axos Bank kicked me in the teeth when I was down and needed the money due to a family emergency during a global pandemic. I had been a loyal customer and had multiple CDs over a 10 years span and they still severely punished me. Cruel heartless Axos Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I used reward point to redeem for digital XXXX card on XX/XX/XXXX. During the process, I input my email address but I miss typed email address. 

Since I didn't get anything, I checked in credit card website, I found out there was miss typing email address, called them and fixed it on XX/XX/XXXX Wednesday. A representative said give a day or two to fix it. I called back on Friday XXXX but the person said call back on Monday. 

I called back on Monday XXXX and the person said they ( reward point departments I guess ) will re-issue with corrected email address by today ( Monday ) or no later than Tuesday. 

I called back on Wednesday XXXX to get update information but the lady whose name is XXXX said it is duplicated requests and they will find out what happen and she told me call back later but didn't said specific time period. 

Finally, I called today Monday XXXX and spoke with representative, she said the case is closed because they already re-sent reward card with updated corrected email address on Monday XXXX. I told her that I have checked every Junk mails everyday not to miss reward card but I haven't gotten anything this point. She transferred phone call to higher position and the phone was hung up at the end. 

It seems like never ending processing. Over the last two weeks, I have made few more phone calls than I described in this statement. I have saved reward point for a year to use them for my kids XXXX gift and now I don't know what I can do. I desperately ask a help. 

Please consider my case. 
Thank you Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
HAVING ISSUES GETTING THE CREDIT BUREAUS TO UPDATE MY CORRECT ADDRESS AND REMOVE ADDRESSES NOT RELATED TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
HAVING ISSUES GETTING THE CREDIT BUREAUS TO UPDATE MY CORRECT ADDRESS AND REMOVE ADDRESSES NOT RELATED TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I've attempted numerous times over the past almost 2 months to get my card mailed to me with my money on it ... I've been giving excuses and different stories of why they cant send it. Everytime I call, I get a different story.

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 2020-11-23 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: MI

Complaint narrative:
I have disputed the balance owed on a {$5000.00} student loan that I paid off in XX/XX/2020. I despite the amount owed on my credit report with all three credit bureaus and they all have not removed the debt from my score in which no changes where made. They initially two of the bureaus temporarily took it of my credit score that dropped my score by 4 points with giving me points credits for paying down my student loan balance. When I reported them to the XXXX they put it back on my credit report again not properly resolving, reporting, or giving me point credits for paying of my debt!!! I think the credit reporting agencies are purposely degraded my credit score by withholding payment information or miscalculating or reporting 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 2020-11-23 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: MI

Complaint narrative:
I have disputed the balance owed on a {$5000.00} student loan that I paid off in XX/XX/XXXX. I despite the amount owed on my credit report with all three credit bureaus and they all have not removed the debt from my score in which no changes where made. They initially two of the bureaus temporarily took it of my credit score that dropped my score by 4 points with giving me points credits for paying down my student loan balance. When I reported them to the XXXX they put it back on my credit report again not properly resolving, reporting, or giving me point credits for paying of my debt!!! I think the credit reporting agencies are purposely degraded my credit score by withholding payment information or miscalculating or reporting information!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: MI

Complaint narrative:
I have disputed the balance owed on a {$5000.00} student loan that I paid off in XX/XX/2020. I despite the amount owed on my credit report with all three credit bureaus and they all have not removed the debt from my score in which no changes where made. They initially two of the bureaus temporarily took it of my credit score that dropped my score by 4 points with giving me points credits for paying down my student loan balance. When I reported them to the XXXX they put it back on my credit report again not properly resolving, reporting, or giving me point credits for paying of my debt!!! I think the credit reporting agencies are purposely degraded my credit score by withholding payment information or miscalculating or reporting 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 2020-11-23 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc.
State: GA

Complaint narrative:
This company put something on my credit report and did not attempt to contact me about this debt in no way. There was no written or phone calls about this debt. They put it on my credit report with out trying to notify me or give me a chance to pay it it is also a lot it late charges on the debt that they want me to pay. My son was staying in the XXXX XXXX XXXX XXXX. We moved out of the apartment dropped the keys off they did not say anything about we owed this debt. I dont think it was fair for them to put this on my account. I called Southern management System about this they was real nasty hung up on me twice. The bill is for XXXX There number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/2020 at XXXX XXXX., Regions Bank closed our nonprofit 's organization checking account with very little and vague notification. Once I received the email, I immediately had to reach out to them to find out what happened, and when I was on the phone with the person helping me, he did not try to help us save the account or felt any kind of XXXX towards us to aid us in any way. We only received one email of notification from Regions Bank regarding this issue, and it was back in XXXX. 

There was a large amount of money in the account at the time. I called the national Regions number to complain and see what I could do about this. The person on the phone then was very polite and apologized for the inconvenience and frustration that we are currently enduring with this situation.

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 2020-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fairway Independent Mortgage Corporation
State: ID

Complaint narrative:
I was behind two months and was approved by Fairway to split the payments into 2-3 months, making my months payments larger to get caught up. After turning in all the paperwork and being approved I called well over 5 times trying to find out the status. I sent in payments due to never receiving a call back and trying to avoid any foreclosure on my home. The payments were returned. I then called again and was told by a representative that I was not approved to do this and they were not sure why I was told by the previous representative that this would be approved. I have sent in the requested paperwork to Fairway for a Loan Modification on XX/XX/2020 and over and over again but continue to get nowhere in this process. I had to reach out to a third party to help me get this issue taken care of. They have then run into the same issue that I have in the previous months. They are being told that they are not receiving the Faxed, uploaded and emailed information. I reached out to the 3rd party in hopes that they could help move this process along quicker but have had no success. I have sent in 4 payments of {$990.00} to this third party XXXX XXXX XXXX XXXX XXXX and have all the receipts. I have all emails saved pertaining to correspondences with XXXX XXXX and information sent to Fairway. 
Fairway is impossible and every representative says the exact same thing, paperwork was not received. I recently sent in the requested information and even had an email confirmation that it was received. I called on Friday XX/XX/2020 and was told by the Fairway representative that the paperwork was not received and they have put a hold on my loan modification. I provided the email of the confirmation email received to the Fairway rep, he then pulled up the email and said this will be forwarded to the correct support specialist that was working on my account. This has been going on for well over 10 months and no progress has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I have sent several disputes to each of the credit bureaus : XXXX, Equifax, and XXXX. They have yet to send over a single correspondence to me or respond to any of my disputes. I do understand that there is a pandemic going on, but they are still legally required to provide results. They are reporting inaccurate items on my credit file that need to be fixed. The bureaus are required to respond to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have sent several disputes to each of the credit bureaus : XXXX, XXXX, and Experian. They have yet to send over a single correspondence to me or respond to any of my disputes. I do understand that there is a pandemic going on, but they are still legally required to provide results. They are reporting inaccurate items on my credit file that need to be fixed. The bureaus are required to respond to me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX of 2020 I canceled my card and ordered a replacement card because mine had been stolen, and that same month paid my bill in full to ensure a smooth transition. I did not receive a new card in the mail from them until XX/XX/2020. When I logged on to activate the new/replacement card, the website let me activate it, and then once I had, my account showed a litany of charges from mostly out of state and subsequent late fees and interest charges in relation to those out of state charges, all of which dated AFTER I had spoken with them to confirm my cancellation and request for a replacement card. I called to try to resolve the issue, and they claimed that I had never called to cancel the card. When I brought up the fact that I had in my hand the package with the replacement card with Citi Bank as the return address, in addition to the fact that I activated the new card just two nights ago, they refused to respond to my questions. I tried to be as calm and reasonable as I could be with them but they insisted on continuing with their false and predatory stance on the situation. I am including images of bank statements, the package in which I received the replacement card, and of the card itself. If you need the full credit card number, let me know and I would be happy to provide it. Thank you. 

Ps. If there are any issues with the images I provided, I apologize, and I would be more than happy to resend any of them or to send anything else that you may need.

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 2020-11-23 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: FL

Complaint narrative:
Explanation of item being disputed : XXXX 's Acct # : XXXX for a balance of {$1200.00}. This XXXX  account was originally removed/blocked and now being put back on my report. The creditor has yet provide me with any signed proof of this account. A police report is already on file with Experian and that should have been enough to remove this account. It was place back on my report with out me knowing. being reported incorrectly and was placed back on my credit profile which is violating my right. In addition, there are dispute remarks " Subscriber reports dispute resolved-consumer disagrees. Unpaid balance reported as a loss by the credit grantor. CONSUMER STATEMENT THIS ACCOUNT WAS THE RESULT OF UNAUTHORIZED SERVICES ''. When I contact Experian, the refuse to help me and reopen the dispute and pull the verification proof. I will be seeking Legal advise for both Experian and creditor.

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 2020-11-23 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:
I spoke with XXXX XXXX on today XXXX XX/XX/2020 once again to verify if they had received my insurance payment from XXXX XXXX XXXX insurance. 

The associate advised me that XXXX would continue reporting me 60 days past due even though that had received a payment of {$4900.00}. I was advised payment would only go to principal and not the past due. 

I am reporting XXXX for two reason. 
Predatory lending : I was put into a loan on a used vehicle without GAP insurance, but an extended warranty which I paid for two years ago. I have had my loan for 2years and owe more on the car than initially purchased. 
Second reason : Poor Credit Reporting, any payment made on a loan is typically reported to the past due. 

Car loan also would not consider lowering the monthly payment to at least 80 % less considering I no longer have a care. 

Please advise if this if fair is considered Fair Lending practice. I feel this is a discriminatory case as well because I am a XXXX young male. 

Thank you 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 2020-11-23 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hi there, I communicated with Synchrony Bank - Lowes In the month of XXXX due to job loss, they were great on setting me up on a fix payment amount of {$37.00} made a payment on XXXX XXXX I am a XXXX and was hospitalized on XX/XX/XXXX after extensive testing was admitted for XXXX spent about 10 days in the Hospital. The first week of XXXX I contacted a Synchrony Bank -Lowes XXXX explain I was in the hospital and the rep offered me a program to defer the current months payment ( XXXX ) to give me enough time heal and re pick up payments in XXXX, she explain this " deferement '' option was directed to people with hardship due to XXXX and explain Synchrony/Lowes will not charge me a late fee nor report any negative payment history on my credit profile, I agreed and thank the rep for the help .... Fast forward to the month of XXXX, I receive an alert indicating 30 day late was reported by Synchrony./Lowes. Communicated with Synchrony/Lowes and they apologize and stated it will be corrected and will follow up with me and they have not send me any letters or calls.. This 30 day late should of never reported on my profile as the Synchrony bank/Lowes agreed to do deferment.

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 2020-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I graduated in XXXX and started making payments shortly thereafter. I was a single mom going through a divorce and had a hard time making payments a couple times. I think the total I borrowed was {$23000.00}. 
Starting in XX/XX/XXXX to XX/XX/XXXX I paid {$300.00} per month. From XX/XX/XXXX to XX/XX/XXXX I paid {$350.00} per month. Just in the total amount of money I've sent them without interest that exceeds what I borrowed. 
I have tried to figure out how they have handled the money I sent them from XXXX to XXXX, but I can't figure it out. Many years ago I tried to talk to them on the phone but all the response I could get was " it is interest, it is interest, '' from someone in a foreign accent. 
I am XXXX and am retiring at the end of XXXX, from the XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX and I am a veteran. I haven't qualified for any of the forgiveness programs I applied for over the years. I don't even know where to begin to find out if my loan has been mishandled. 
Please help so I don't have to continue paying this from my social security check. 
Thank you so much for your time. 

PS : I was stationed at XX/XX/XXXX and XXXX XXXX XXXX. In the XXXX I was stationed at XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: CO

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT AND EQUIFAX DATA BREACH. FOR THE PAST SEVERAL YEARS IVE BEEN HAVING ISSUES BEING AUTHENTICATED OFF AND ON. ANYWAYS I HAD SOME FRAUD ACCOUNTS BLOCKED FROM MY CREDIT REPORT AND IT SOME HOW IS STILL SHOWING UP ON THE LENDERS SIDE BUT NOT ON MY SIDE. I'VE HAD MULTILPLE FILES ISSUES ETC. IVE CALLED OVER 2 9 TIMES THE FRAUD GUY TOLD ME LAUGHING IN DISGUST AND SINCERELY APOLOGIZED. HE ADMITED IT WAS VERY COMPLICATED. BUT THATS NOT MY FAULT. I JUST WANT THIS FIXED ONCE AND FOR ALL IF POSSIBLE AND THESE ARE THE CONFIRMATION NUMBERS AND I HAVE A CASE NUMBER WHICH NO ONE CONTACTED ME BACK WITHIN 72 HRS. NEVER CALLED ME BACK. CASE NUMBER XXXX, XXXX CONFIRMATION BLOCK. I HAVE SENT A COPY OF MY ID AND SOCIAL SECURITY CARD THROUGH THE POSTAL MAIL BY NEXT DAY DELIVERY WHICH YOU SHOULD RECEIVE TODAY BY XXXX P : M today. PLEASE SEE ATTACHED LETTER FROM XXXX XXXX XXXX WHEREQUIFAX CREDIT PULL IS DIFFERENT FROM MY CREDIT PULL. THANK YOU.

Company response to consumer: Closed with explanation