vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 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: PA

Complaint narrative:
I had a second SS number show up on my only on Equifax account along with addresses from another state and two no payed bills that lowered my credit score by XXXX points I complained twice with Equifax and they got rid of the alternate SS # and wrong addresses but said the bills were correct. I called both companies that had the bill and they had no clue about the bill. I'm guessing Equifax is getting paid by bill collectors to post on accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted XXXX  and Experian on numerous occasions in regards to the duplicate Bankruptcy that is on my credit for XXXX please see below as this doesn't belong to me. I provided the document to confirm that the one for XXXX is the only BK I submitted. See the attachment jts not for this below. 

Type Chapter XXXX bankruptcy dismissed Case number XXXX Date filed XX/XX/XXXX Status date XX/XX/XXXX Date reported XX/XX/XXXX Date paid XX/XX/XXXX Account Designator Co-maker

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Company arbitrarily closed account with no notice given during a transition period to another system. 

All bills were paid on time. 

Synchrony is a scam-bank with high-interest rates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: AES/PHEAA
State: FL

Complaint narrative:
Some one is going to school with my information they stole many from my account and stile driver license and social security income

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
My Department of Education/Navient are reporting me as 90 days late XX/XX/XXXX when I have made a payment and reporting me 150 days late XXXX and XXXX of XXXX when my account was in Forbearance also the report is missing data

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have been making overpayments on my loan with GM Financial in order to pay down my loan principle. GM Financial is only applying these items as credits towards my future payments essentially making my payments and interest free loan to GM Financial. I have asked multiple times to have my overpayments applied towards principle with no help or confirmation. I can not reach an in person representative and feel GM Financials practices are misleading the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IL

Complaint narrative:
Had an atm error at a branch location when they were closed. {$1100.00} was not credited to my account, called corporate got nowhere ( ridiculous process ) eventually spoke with branch and even met with them days later. They could confirm I deposited said amount of cash but informed me there was nothing they could do other than issue me provisional credit in 10 business days which is insane. Finally I was told the branch manager was contacted and would likely be able to issue me immediate credit until the issue was resolved but it was never followed up on. Im now 5 days going on 6 with {$0.00} assistance, no actual timeline for reconciliation. First issue Ive ever had like this and an absolute failure on US Banks part from a customer service standpoint.

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 2021-03-24 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Portfolio Recovery is reporting a debt on my credit file and it must be removed. I recently checked my credit and noticed this debt reporting. I called immediately and settled this debt with them. I however, never received any letters, notices, or calls regarding this debt. This violates my 30 day right to dispute and it must be removed. Not only that, according to your company 's policy you delete accounts from collections after being settled. Please send a deletion letter accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Collection Connection
State: CA

Complaint narrative:
A man named XXXX called me from this number XXXX ( XXXX XXXX XXXX saying he was a part of a collection agency and I owed a debt of {$580.00} + interest from my gynecologists office. I was confused because my insurance should have paid that, they were routine checkups. I have a lab fee which I am aware of from a different company that has not been transferred to my insurance yet and thought this was the amount he was referring to ( {$100.00} ). He asked for my credit card to pay the {$100.00} and that he would look through again to see if something was mistaken but I need to pay something now. He said if I didnt pay it would affect my credit score and that it would permanently be on credit history. I hung up the phone and called my gynecologists office and they assured me there was no debt and they had not sent me to collections. I called him again and he continued to say there was a debt and it will immediately affect my credit score and that he was going to put it through to make sure it went on my permanent record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
In XX/XX/XXXX, my rental home mortgage was transferred to NewRez LLC. Starting in XX/XX/XXXX, NewRez stopped apply my extra principal payment to principal but applied the amount to the next payment. The call history with NewRez is as follows : - XX/XX/XXXX - Spoke with XXXX who corrected principal payment, future issues would be fixed and recommended one check be provided and not a separate principal amount. 
- XX/XX/XXXX - Spoke with " XXXX & XXXX to again resolve principal payment as it was applied to next payment amount and not to principal. 
- XX/XX/XXXX - Spoke with XXXX XXXX who again fixed principal amount and made note in their system to ensure extra amount be made to principal - XX/XX/XXXX - Spoke with XXXX to fix XXXX payment and apply principal amount to loan and NOT next payment. 
- XX/XX/XXXX - Spoke with XXXX to resolve XXXX principal amount being applied to next mortgage payment. 
As seen in the attached and according to NewRez policy, " excess funds paid will be posted to principal balance. '' I am extremely frustrated with NewRez continuing to apply my extra principal payment to the next mortgage payment and feel as if they are trying to take advantage of me for extra interest. The above is completely documented in the attached.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
The company is reporting inaccurate and damaging information on my credit report. The company failed to give notice prior to reporting this item on my credit report. They also failed to validate the debt. They are reporting 23 times a charge off on one account. How can any single account be charged off 23 times? Then a negative mark reported after all 23 charge off remarks. This is erroneous reporting of information. A negative of ( 2 ) 120 days late back to back. There are only 30 days approx in a month. How can I be 120 days late each month for 2 months? The date opened, credit limit, responsibility, and payment status is reporting inaccurately. There is also missing information not being reported. This inaccurate data is damaging my credit score. This account needs to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
Back in XXXX Chime closed my account without any notice, I contacted them by phone & he asked questions about my last transaction I told him which was right. he let me know what information to send & also a selfie was needed I sent that information immediately the same day I was emailed. They took almost a week to respond only to tell my account was being closed refer to a section in there deposit agreement & that i wasnt eligible for a refund so now im panicking! Im out of work due to have a baby not working at the moment because of XXXX and my dr preferred me to stay out of work until after the baby!! ive been contacting them since then & theyve blocked my number from calling & not responding to emails. At this Point I dont know when my next dollar coming in I have a XXXX and XXXX on the way this is stressing me out so bad .can they just take my hard earned money like that?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
On XX/XX/2021 I refinanced my current mortgage with New Rez. After the closing, a few weeks later the title company sent a check in the amount of XXXX to both XXXX ( my home owners insurance company ) and Illinois Dept. of Insurance ( I have no idea who these people are ). So IL Dept. of Insurance forwarded the check to XXXX because they had no idea what is was or who it was from. And the amount was incorrect. My actual home owners premium is XXXX. I reached out to New Rez since they told me I had to use this title company and explained the issue. They told me it wasn't there problem and I had to call the title company to resolve the issue. Well, I tried that multiple times and the title company does not answer calls or return my messages. I then called New Rez back and ask them why am I calling, they were the ones who chose the title company. No response since. I need answers! This I my money they are throwing around and now its just sitting with XXXX waiting for direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC

Complaint narrative:
I have opened an account on Gemini and uploaded my ID. Verification is pending for about two weeks. For me, it is a very unpleasant situation, I needed to trade crypto and now I have to wait. This is so unprofessional, I can see many people have the same issue with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 my car key was stolen, the stolen key was used to get into my my car, my wallet was stolen from the car with my Chase debit card, one other debit card, a XXXX XXXX credit card, a drivers license in the wallet, plus my cell phone was stolen. The thief or thieves used my Chase card to charge more than {$14000.00} at two different department stores ( XXXX XXXX and XXXX XXXX ) as well as using the other debit card and the credit card to make additional charges of more than {$6000.00} at the same XXXX XXXX. I notified Chase of the theft within 24 hours of the theft and disputed the charges. I provided Chase with the name and contact information for a witness who let me use his cell phone to call XXXX, who can attest I was either in the ocean surfing or standing by the side of the road waiting for XXXX when the charges were made at stores 10-12 miles away. I also submitted voluminous documents, which are attached, proving I could not have been present at the XXXX department stores where the charges were made, including records from XXXX showing that I was stranded by the side of the road waiting for a XXXX technician to cut a new car key at the time two of the three fraudulent purchases were made. 

In addition, the transaction history on my Chase account shows that my wife and I have never used the debit card to make a purchase at a store for more than about {$150.00} dollars, nor have we ever purchased any item at either the XXXX XXXX or the XXXX XXXX store on our Chase card. I also filed a police report with the XXXX XXXX Police Department, which is also attached. The XXXX XXXX services fraud investigator has concluded that the {$4200.00} charges on the credit card at XXXX 's was fraudulent ( that resolution letter is also attached ). 

Chase denied our claim initially, but reopened it when I provided additional documentation. However, the again denied the claim on XX/XX/2021. This denial is inappropriate under the Electronic Fund Transfer Act, 15 USC 1693g because I did not authorize the transaction and timely reported it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Someone hacked the phone of a good friend of mine and I didn't know that was possible and I was scammed. I Totally trust in my friend and the guy behind this hacking asked me if I can transfer {$980.00} to an account. he was not able to transfer money himself because he said he could not transfer because he already transfer the daily limit. He said he would return the money later the same day so I decided to help him because I trust him. I transferred the money to the account that he told me ( XXXX account ) and after that he asked for more money ( {$1700.00} ) to transfer to another account and I said that was too much money and just can help him with XXXX more but I started to suspect that someone took his phone to scammed me. I called him after that and he answer and it was a guy who was not my friend because I recognize his voice so I didn't transfer the other part. I hang the phone and immediately call the bank ( Bank of America ) to cancel the transaction but they told me that is not possible but they will make the claim but they don't assure me the money return. I attached the proof of the conversations in XXXX, the call I made when I suspected that I was not my friend asking for the transfer and also the proof of the change of phone number that my friend had to do because of the hacking. The conversations are in XXXX so I hope is not a problem for you. I really hope you guys can help me in this matter. 

Thank you in advance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: PA

Complaint narrative:
Please see attached documents as it contains my complaint and identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Our credit card was stolen and was promptly reported to the credit card company to block the card and avoid future fraudulent charges. Over a few weeks, we still noticed charges coming thru on a blocked card and the bank is unable to explain how a locked card can receive charges. 

They have since posted these fraudulent charges on the account and expecting us to pay. The bank representative suggested we close the account to avoid further unexpected charges instead of identifying and resolving the issue. 

The card we are using is BJs credit card. The services are provided commenity bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am a victim of Identity theft. A fraudulent XXXX  XXXX XXXX checking account was opened in my name and is on my EWS report. It is preventing me from moving on with my life because I can no longer establish any relationships with any financial institutitons. I filed an Identity theft Report with the FTC that I've attached here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: NV

Complaint narrative:
The company is reporting inaccurate and damaging information on my credit report. The company failed to give notice prior to reporting this item on my credit report. They also failed to validate the debt. The date opened, date of last payment made is wrong, credit limit, high balance amount, responsibility, and payment status is reporting inaccurately. There is also missing information not being reported. There is also inconsistent information being reported to different bureaus. Why isn't your data consistent between various credit bureaus if the information is supposed to be 100 % accurate and complete? How can you tell the credit bureaus you verified this information when your own information being reported is wrong and inconsistent. The furnisher reported doesn't even have a record of this information or account. I called them and they have no record of anything you are reporting. What did you do with the money you said was paid? Who did you report this to and do you have proof? What account was this applied to?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: OK

Complaint narrative:
XXXX  & Experian credit reporting has failed to respond to my dispute letter for CMRE which were sent certified mail and signed for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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 been disputing negative items with the three major credit bureaus for over a year now and have yet to receive any results. XXXX, Equifax, or XXXX  have yet to provide me with any answers and I have erroneous items on my credit. So far, I have seen no progress nor have the bureaus been of any help. How is it possible that after over a year of disputes, they haven't received a single complaint of mine? There are serious inaccurate items reporting that must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
I have been on a forbearance since XX/XX/2020. I asked on XX/XX/XXXX for an extension. I was told no at first but the young lady told me she will put in one and see what happens. This was after I told her what I believe my rights are since my home mortgage is covered by XXXX XXXXe. I was also told my home is schedule for a foreclosure sale on the XXXX of XXXX. 

I mention the Foreclosure moratorium but was told that does not apply to my home. 
I was told in needed over XXXX to bring my home current for reinstatement. 

Please Advise asap. I am a single father of XXXX and I just started my new job with my State Government on the XXXX of XXXX. I was out of work for over 14 months. 

Specialized Loans Servicing is the company.

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