vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I never received my bill with the minimum payment. 

Citibank is refusing arbitration regarding terms and conditions of the double cash credit card. 

Citibank is refusing arbitration due to my social security income

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 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
Our loan was transferred to Shellpoint mortgage servicing. They have repeatedly sent me compliance letters about obtaining insurance on the secured property. Our insurance agent has called and faxes them repeatedly. Now Shellpoint has sent another letter saying it's going to collection. We are in compliance with all Utah requirements as well as the original loan requirements that was originated without problems. We have not reduced or changed providers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have disputed inaccurate information on my credit report with all three credit reporting bureaus and the collection companies reporting and they will not remove. 
XXXX, XXXX, XXXX XXXX are not my accounts

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 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and I am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes I sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX we mailed a forbearance extension request for our CARES act Fannie Mae mortgage loan. We noted that we are still experiencing a hardship due to COVID 19 and would like to a request an additional 3-month forbearance extension. 

We called to follow up with XXXX XXXX  on XX/XX/XXXX regarding the extension request. We were told by the representative that she entered the application for us and that we would receive an update with in 5 days via email or regular mail regarding our extension. We havent received any update. 

Today we called again and were transferred to XXXX in the loss mitigation department. She advised us that the request we submitted was closed on XX/XX/XXXX. We were never notified of the closure and do not know why our protected XXXX XXXX loan forbearance is not being extended under the CARES act as it should be. 

We are currently in an active CARES Act mortgage forbearance plan with XXXX/TIAA BANK and are requesting an extension to that forbearance. Our hardship has not been resolved. 

We have not received any communication regarding our multiple requests for extension. 

We would like to receive written notice of our mortgage forbearance extension under the CARES act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureaus is reporting an erroneous debt to my credit file. I never received a call or notice about this debt and that violates my 30 day right to dispute. I have called and paid off the debt and i requested they remove the debt as i did not receive a notice and they refuse. This is super frustrating as i try my hardest to maintain my credit and they added this collection without notifying me. I need this removed from my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: E*TRADE BANK
State: VA

Complaint narrative:
I want to preface this complaint with the fact that I have, up until this point, had no issues with either my Etrade account services nor any customer service issues. I had initiated an online ACH transfer from my Etrade checking account on XX/XX/XXXX to fund a new account opening at another bank. There were issues at the other bank, so the account closure set off a string of poor customer service experiences related to the retrieval of the original ACH transfer at both banks. 

In addition to numerous customer service email requests and phone calls, the funds have still not been credited back to my account. The fact that an unknowledgeable customer service representative indicated that the funds will be credited within 1-2 days over a week ago, and the bank is now backpedaling regarding the need for dispute documents makes me just as suspicious of where my money currently is as I am with the new bank. When they told me today that this simple credit of the funds back to my account will take 90 days, I couldn't help but have to file this complaint for incorrect information provided by the initial customer service representative and the fact that a legitimate transaction would take 90 days to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
I wrote a dispute to Commercial Acceptance Co after finding their address on the XXXX  website because this account is inaccurate. Commercial Acceptance Company reported the wrong address to my XXXX  report dated XX/XX/2021. THE FOLLOWING ADDRESS IS INCORRECT, XXXX XXXX XXXX XXXX XXXX, PA XXXX, THEREFORE THEY HAVE REPORTED INACCURATE INFORMATION TO MY CREDIT REPORT. That is a violation of the FDCPA and FCRA! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. Over 50 days later I have not received a response. I feel like my disputes and I are being taken advantage of and ignored. In section 611 ( a ), it plainly states that a failure to investigate these items within 30 days provides a basis for immediate removal of those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Comenity Bank/Victoria Secret is reporting lates on my credit file. These lates are for the months of XX/XX/20 and XX/XX/20. During these months the pandemic first hit and i was out of work for those couple months i was late on. The pandemic severely impacted my financial situation and i couldn't go back to work even if i wanted to. I have since then made all my payments on time and plan to continue this way. The lates were due to the pandemic hitting us and i am asking that you remove the late remarks from my credit file as making the payment 's was completely out of my hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I sent a validation request over 30 days ago. They never validated the account and continue to report it to the credit bureau. This is a direct violation of the Fair Debt Collection Practice Act Section 809 ( b ). This company is blatantly breaking the law and causing me hardship by continuing to report they can't validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Cash Express, LLC
State: KY

Complaint narrative:
On XX/XX/21 they ran two checks in the amount of XXXX and XXXX and sent my account in the negative and then turned around and ran two more checks on XX/XX/21 in the amount of XXXX and XXXX. Sent my account even more in the negative. This is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I received a Synchrony Home Credit Card for furniture purchases I made at XXXX XXXX XXXX a couple of years ago. I have been making steady ( automatic ) payments of $ XXXX/mo since that purchase ( my principal balance is down close to {$1000.00} ). In XXXX of XXXX, my payment apparently arrived 2 days late ( due XX/XX/XXXX, credited to my account on XX/XX/XXXX ). XX/XX/XXXX was a holiday. I was charged a {$29.00} fee ... which was later credited back to me. 

In XXXX of XXXX, my payment apparently arrived 1 day late ( due XX/XX/XXXX, credited to my account on XX/XX/XXXX ). I was assessed a {$40.00} late fee. I don't believe I was made aware of this late fee. This changed my minimum payment due to {$130.00} ( $ XXXX {$40.00} ). 

In XXXX of XXXX, I made my standard payment of {$93.00} on time ( credited to my account on XX/XX/XXXX ). Because I didn't pay the full {$130.00}, I was assessed another {$40.00} fee + {$2.00} interest. This has changed my minimum payment due in XXXX to {$170.00} ( $ XXXX $ XXXX $ XXXX {$2.00} ). I happened to notice this pattern recently. I called Synchrony Home this week ( on XX/XX/XXXX ) and was told that because I had been credited the {$29.00} fee in XXXX, there was nothing that could be done. 

I don't believe it is fair to continue to charge {$40.00} late fees every month, and now interest, when I am making the payment that I believe I owe. I am now being held hostage by Synchrony Home in that if I don't pay {$170.00}, I will be charged another {$40.00} late fee. 

Please help 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 monetary relief
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX - I received a letter from Eastern Account System of Connecticut , Inc. attempting to collect a past due debt. The letter in question is fraudulent and an attempt to extort money from people. The letter only has an address and my name is not on the letter. The letter states over XXXX XXXX dollars is due to a cable company that we stopped using back in XXXX. Our XXXX XXXX XXXX  contracts with the local cable company to provide cable TV to the whole neighborhood. In XXXX the XXXX XXXX canceled XXXX XXXX and subscribed to XXXX XXXX instead. I have now found that other homeowners in our neighborhood have received the same letter attempting to collect money or get them to call them. I can provide copy of letter if needed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I am exercising my right to contact to review an issue on which I was refinancing my home and was denied and provided an explanation of " Poor Credit Performance with us '' via a document sent on XX/XX/2021. This statement is not satisfactory. 

I have had no late payments to the Flagstar Organization in over XXXX ( all on time ), a credit rating of XXXX with XXXX, XXXX with XXXX, and employed with the same company for over 22+ yrs making over $ XXXX a month gross. Well over the 4x the mortgage costs monthly. 

To receive a statement of this nature when the company knew from the beginning of this process my only intent was to remove my ex-husband 's name from the loan as a co-borrower. 

I am seeking the Federal Trade Commission to review and look further into this issue and the practices that took place during the application process along with my rights. 

During the process of waiting, I had to continue to follow up with this company and ask for timelines and continued callbacks as to where they were in the process. It was a simple refinance to remove a co-borrower. 

Bank statements, paychecks, and submission of on-time payments all 100 %. To me and others in the industry have suggested unfair practices and violations of rights under the Consumer Credit Protection Act along with Equal Credit Opportunity Act. 

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 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is still showing incorrect information on both of my XXXX student loans. Both of these accounts were paid in full a long time ago. All of the other credit bureaus are reporting a XXXX  balance paid in full except for Equifax. I do not owe a balance to XXXX and I was never late with XXXX. No matter how many times I Dispute it they still refuse to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have disputed inaccurate information on my credit report with all three credit reporting bureaus and the collection companies reporting and they will not remove. 
XXXX, XXXX, XXXX XXXX are not my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have disputed inaccurate information on my credit report with all three credit reporting bureaus and the collection companies reporting and they will not remove. 
XXXX, XXXX, XXXX XXXX are not my accounts

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 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer USA at XXXX XXXX XXXX, Forth Worth, TX XXXX or XXXX Hello, I am reaching out to complain on Santander for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything from the bureaus XXXX XXXX XXXX XXXX and Santander Consumer USA. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me XXXX  Deleted the account. I have mailed several certified letters & signature return receipts, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 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. 

i have sent santander consumer certified mail requesting information reguarding an negative item on my credit report, asking them to validated it bearing my signature starting on XX/XX/XXXX - XX/XX/XXXX. With no response in the the 30 days time period allowed by the FCRA, they have violated and the negative account should be deleted. delivery confirmation will be Included.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RC Willey
State: UT

Complaint narrative:
RC Willey is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see RC Willey report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that RC Willey please take leniency on my hardship and remove any XX/XX/XXXX lates as a one time goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PARSON BISHOP SERVICES, INC
State: NC

Complaint narrative:
Recieved an alert for a collection I have no knowledge of or what it is in regards to by PARSON BISHOP SERVICES has flagged your account as Collections on XX/XX/2021Was never informed on what or with who this is concerning.

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 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had 2 mortgages.

Second mortgage lender ( XXXX XXXX ) went out of business ( filed bankruptcy ). 
His successor Lasalle Bank is lien holder on my property since XXXX 
I have never received any request for payment. I never paid that portion. 
I am trying to sell the house and I can not find Lasalle Bank nowhere.

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 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC.
State: UT

Complaint narrative:
Kay Jewelers is reporting a debt on my credit file that I need removed. I have called multiple times to them and their third party XXXX and every time I call they said they can't find me in the system. However, the continue to report this debt on my credit file and I do not owe it. At this time I am asking that Kay Jewelers send me validation of this debt. I am requesting proof that I am the party you asking to pay this debt and that there is some contractual obligation that is binding on me to pay this debt. I am not requesting for verification but validation. I will also inform you that if you continue to report invalidated information to any of the three credit bureaus, this might constitute fraud under both federal and state laws. IF any negative mark is found or continues to report on my credit I will have no choice but to contact the Attorney general of my state and consult for legal suite .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation