vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 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: EQUIFAX, INC.
State: HI

Complaint narrative:
Equifax reporting a XXXX XXXX account late 10 months after the account closed. Comments read : ( 30 days -2 ). The account was closed XX/XX/XXXX. They are reported late payments on XX/XX/XXXX which is 10 months after the account closed. All payments made on time. See attached documentation from XXXX XXXX. 

I have tried to rectify this with Equifax : 1 ) filed dispute on XX/XX/XXXX, faxed paperwork on XX/XX/XXXX and XX/XX/XXXX ; called and spoke with Equifax rep in XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

This needs to be rectified ASAP as this account is from 4 years ago. 

Also, XXXX and XXXX recorded accurately. See commentary in previous disputes with CFPB. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
So Equifax wants to close my complaint because they lied. EVERYONE HAS A FICO SCORE. The bureaus don't want to delete all those negative items removed from my account. How you close my complaint when EVERYONE has a FICO SCORE. You have my information and you font want to fix the issue. By law you have to delete due to lack of communication in a 8 month period. Please delete those negative items. You have my address I just got a letter from you. So Equifax lied I have proof they have my correct information. Please advise and delete every negative items. You can contact me directly if you like i have the proof here..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
f ay mortgage company response from the cfpb i filed, stated a {$3600.00} of a post-petition fee incurred, from the response letter from fay sent dated XX/XX/2021. 
I summited to fay mortgage co, a money order of {$3700.00} handwritten remark on the money to pay order post-petition fee. 
on XXXX XXXX fay cashed the money order and seemed to have misapplied the XXXX dollars in which was to be attended for. the {$3700.00} went toward a future mortgage payment. 
last week I followed up with fay and requested the misapplied funds be reversed to pay the post-petition fee I was told today on XXXX by fay employee that the request to reverse {$3700.00} went to the wrong department. 
i would like assistance that the money is properly submitted to pay the post-petition fee that was attended for as per the letter fay provided me with and handwritten instructions on the check that was cash, as time is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I had a phh mortgage loan, i called for a payoff quote which i recieved and was approved for a refi thru phh, i wasnt allowed to make a monthly payment due to the payoff quote at which point phh said my monthly payment was late but i wasnr allowed to pay it, then they turned around and said the had to deny the refi due to the late payment which was due to phh, I'm out {$500.00} for the home appraisal and not i have a late charge on my credit report which is causing me to not be able to refi with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: FL

Complaint narrative:
My investigation has been going on for 30 days now and I still don't have investigation results. According to the fair credit act this is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: FL

Complaint narrative:
My investigation has been going on for 30 days now and I still don't have investigation results. According to the fair credit act this 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 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: NE

Complaint narrative:
I received a notification through pop money on XX/XX/21 @ XXXX that {$200.00} deposit was made to my bank of the west account. I had been watching my account daily that week bc it was low & I knew they hadnt given me the credit for that deposit on Friday. On XX/XX/21 I went into my account to check the balance shortly before XXXX in case I needed to deposit funds to cover. It showed balance of {$28.00}. The next morning I wake up to a notification that I was charged a {$35.00} fee. The worst part is not only did it never drop below {$28.00}, but they were still holding that {$200.00} electronic transfer from XX/XX/XXXX when they charged me {$35.00}. They finally gave me credit for the {$200.00} on XX/XX/XXXX. The person that sent the transfer said the money left her account on XX/XX/XXXX so not sure where it was those 5 days? I asked XXXX to provide a printout showing my account with the negative balance ( bc even he admitted the account never went negative ), but since I was upset w them & finally yelled bc XXXX refused to return the fee-he refused to give me a printout and lost his cool & kept saying that he was just going to get a cashiers check and close my account. I tried talking to the senior service officer who informed me by mail my account will be closed on the XXXX and she cant provide me with a print out showing where it went negative either because she said it was something behind the scenes. Well how am I supposed to correct some thing if I look and my account doesnt show any issue? This same exact situation happened to me about a year ago & even though it was an error on the banks part just like this? They refunded the fee but put it as a one time courtesy to me. I told her thats great bc then if I ever really need the courtesy it looks like I have already received the courtesy when it was simply their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: MI

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Meade Recovery Services, LLC
State: UT

Complaint narrative:
Meade Recovery Services LLC have been harassing me about a debt. I recently spoke to their representative and asked them not to keep calling me but instead, send me a written notice in the mail about the debt so I can properly respond but they did not. I was told by the representative that they will file a legal action if I don't pay the debt. 

On XX/XX/2021, I received two phone calls from them. They called my cell phone at approximately XXXX XXXX. I answered the call and nobody answered the line. A few minutes later, they called me on my home line. When I answered the line, nobody spoke so I called them back. I spoke to a representative and asked them not to keep calling me because that is harassment. They representative told me that " they are trying to help me '' this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bonneville Billing and Collections
State: CA

Complaint narrative:
XX/XX/XXXX I sent a certified letter XXXX to Bonneville. They never responded to multiple requests for verification of the alleged debt. I have not resided in Oregon in over 8 years. on XX/XX/XXXX I sent a second follow up letter demanding that the inaccurate unverifiable account be removed from my credit. no response yet Bonneville continues to maintain this disputed account on my credit report. I contacted XXXX XXXX XXXX to inquire about such debt and was informed they were unable to locate any account in my name. Only one with my mother 's name with her former address from back in XXXX. I do not owe any such debt and have been continually ignored. this account should not be on my credit report as it violates Federal laws and no proof exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
1. ( Pay pal credit put a unlawful hold on my account ) To whom is concern I rather not take this route but after being played phone tag with and listening to recordings of offers of rebate cards I have to try to get my situation dealt with from a top down to the bottom my problem with PayPal is they're running a transaction through a card that I did not authorize so in doing that sometimes that card is attached to a bank account and if you run that through my bank account it can end up with an overdraft the transaction was over {$600.00}. 
2. I am claiming that Paypal played phone instead of lifting on the account, that is on PP end not the bank.

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 2021-09-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
The Mr. Cooper company has not been responsive during the pandemic regarding the financial impact to my family and my HELOC. I have been calling for a year since XX/XX/XXXX- practically every month after submitting a hardship affidavit without any resolution or clarification of options available to me. I have been repeatedly told that the customer service representative will call me back within a week after looking into the situation but I never receive a phone call. Each month I have to call again and am told the same thing the hardship affidavit request does not have a resolution. Today I was told that the request appears to be in a hold mode since XXXX XXXX when I submitted my second request. During this time they are reporting me as late to the credit agencies but each month telling me that there has not been a resolution and that the representative needs to investigate or escalate to a supervisor but I never hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
On XX/XX/2021 at approximately XXXX eastern time Consumer portfolio called a relative of ours and left a message stating they were trying to get location of our vehicle for repossession and wanted them to call back with information. They have contacted another family member multiple times a day even after she has requested them to not call her. Consumer Portfolio has also told us multiple times when we've made payments that they would move the past due to the end of the loan to help us, but this has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
had multiple unauthorized charges on my account in which I was promised that I would not be responsible for unauthorized charges. I spoke with American Express today as they called me and was told that they were shutting down my accounts due to 3 returned payments in which were handled and situation explained to American Express and I was promised that my account would not be subject to closure. The returned payments ( 1 & 2 ) as recorded was because of a stop payment put in due to the unauthorized, fraudulent charges on my account as instructed to do so until their investigation was complete which never happened. ( 3 ). The third returned payment was due to a simple mis-keying of a 6 while typing in my new account number. I immediately called in and informed American Express and was assured that my accounts were NOT and WILL NOT be subject to cancellation nor closure. I received a call from XXXX ( XXXX ) XXXX at XXXX XXXX ( American Express account review ) in which I was informed that all of my accounts were immediately canceled and that Im responsible for unauthorized charges. I have been misrepresented, injured and business now will suffer damages due to American Expresss misrepresentations and false promises which led me to believe that I was secure even after being a victim of identity theft. I am a single mother with a business and due to the current climate the world at large is in, I am subject to injury by American Express who without cause nor explanation closed all accounts ( personal and business ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I disputed a {$1700.00} charge for a damaged dress with a hole in it sold to me by XXXX XXXX. I received an email after 2 weeks from Capital One stating that they hadnt received the documents to investigate the charge and would be charging it back. I explained that it was taking me a while to label the exhibits and would be sending over the proof of the damaged dress as well as the appraisals of the dress that were for {$800.00} and {$900.00} respectively. I sent in the documents about 4 days later and Capital One informed me that theyd received the documents and were investigating. That was XX/XX/2021. 
Fast forward to yesterday when I received a direct deposit for about {$3500.00}. I paid 3 credit card bills and instead of my 3 credit card bills being paid, Capital One paid 2 of them and reversed the {$1700.00} credit given for the XXXX XXXX purchase with no good reason. Capital One was clearly waiting on the opportune time to reverse the credit instead of genuinely investigating the purchase by the merchant, XXXX XXXX. Now my credit card payment is going to bounce back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21 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: GA

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
I had interaction with this company on XXXX the XXXX at XXXX I spoke with a representative there that advised me that this payment would be sent over to XXXX  XXXX XXXX XXXX XXXX on the XXXX payment report. I waited until mid XXXX as advised by the representative and contacted XXXX XXXX to see if the report had been provided to them yet they advised that it has not. We contacted the company together and XXXX XXXX was advised that payment has been made in full with no issues and the payment wouldnt be made to XXXX XXXX until the end of XXXX when they submit another report this is unacceptable and they have had ample amount of time to get this resolved! Then yesterday I was notified by my credit report alerts that this account was updated as still negative which I disputed with documentation of payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: TX

Complaint narrative:
this company is allowing a false and unverifiable account to continue reporting without any proof. I have requested several times and filed a police report. accnt # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/2021 I appeared at Bank of America branch at XXXX XXXX XXXX, XXXX, TN XXXX and closed my account # XXXX XXXX XXXX and withdrew the balance of the account. Interest of {$.00} was posted to my account and maintainance fees were charged after my account was closed. I spoke to a Bank of America agent who stated the account is not closed and can't be closed until the mounting service fees are paid. I dispute these charges because I closed my account and the bank reopened it without my permission.

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 monetary relief
Consumer complaint received 2021-09-21 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: AES/PHEAA
State: RI

Complaint narrative:
Fedloan servicing is not updating my progress towards PSLF. I have submitted two forms, most recently on XX/XX/XXXX certifying my employment at a qualifying employer from the months of XX/XX/XXXX - XX/XX/XXXX. Most of my payments were accepted. However, for some reason, the period from XX/XX/XXXX - XX/XX/XXXX was not counted as qualifying and is still listed as " eligible ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
The debt is not mines, I already tried to fix this problem with the company ( Transworld Systems Inc. ). Transworld Systems Inc. at XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX has been sending me collection notices in the amount of {$2700.00} and has been reported as past due. I do NOT know this company. I have NEVER done any business with this company. This company does NOT have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My Credit score is XXXX My credit card # XXXX XXXX XXXX XXXX Exp XX/XX/24 Had this card for 4+ YEARS. ALL OF TRANSACTIONS ARE BEING REJECTED BY BARCLAY 'S BANK, OVER THE PAST 30 DAYS. I HAVE PAID ANY AND ALL XXXX BALANCES IN A TIMELY MATTER. I HAVE SPENT OVER SEVEN ( 7 ) HOURS ON THE TELEPHONE TRYING TO RESOLVE THIS MATTER SPEAKING TO THE SUPERVISORS ON DUTY. THAT ASSURE ME EVERYTHING HAS BEEN RESOLVED ONLY TO HAVE MY NEXT PURCHASE REJECTED. 
BARCLAYS BANK IS A BANK THAT CAN NOT BE TRUSTED. )

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 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Early in XX/XX/2021 I set up automatic payments on my XXXX account from my Chase bank account, authorizing XXXX to collect my monthly payment due. On XX/XX/2021, XX/XX/2021 and XX/XX/2021 XXXX collected {$53.00} on each of those days respectively. 

On XX/XX/2021, XXXX advised me that my account was past due because I had not made payment. XXXX claimed that my bank, Chase, pulled back the money from them. However, my bank has no information or record of this happening and my Chase bank statements show that the money was never returned to my account. 

There is currently {$53.00} that was withdrawn from my Chase account by XXXX and unaccounted for.

Company response to consumer: Closed with explanation