vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. We paid off our loan on XXXX XXXX 2020, the company showed an escrow balance and we called to confirm this was correct. They said yes verbally and digitally on the website. 

They then closed out the account and sent us a check for over {$2700.00} less. We have called for the explanation, why the huge difference, and they said it was because we didn't make a XXXX payment. This did not make sense, because we closed on XX/XX/XXXX. They received the wire transfer in the first week of XXXX and notification ahead of time. They applied it on the XXXX and on the XXXX ; which also didn't make sense, if they received the single payment, why break it up and space it out over days but record it on the XXXX. 

We have called and spoke to management over 5 times, each time it was a different story and the numbers changed. XXXX XXXX was the last XXXX. Their object now is to not answer the call or put us on and off hold for hours until we get upset and hang up. 

We have been cussed out more than once when they thought we were on silent or hold. 

For my wife 's first home buying experience this has been a nightmare. 

XXXX XXXX They claim all of this security and safety of your private information, but we are constantly being called and receiving mail by XXXX party people that are marketing business partners.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX is reporting incorrect lates on my credit file. They are reporting Lates on my credit for a service they never provided. I have contacted them and they admitted their fault and said they would refund me around {$500.00}. I have received the refund, yet they continue to report these erroneous lates on my credit file. They are in violation and i'm requested kindly that they remove these lates off of my credit file.

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 2020-02-21 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX is reporting incorrect lates on my credit file. They are reporting Lates on my credit for a service they never provided. I have contacted them and they admitted their fault and said they would refund me around {$500.00}. I have received the refund, yet they continue to report these erroneous lates on my credit file. They are in violation and i'm requested kindly that they remove these lates off of my credit file.

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 2020-02-21 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX {$68.00} XXXX XXXX XXXX XXXX {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
Two charges in the amount of {$160.00} each were posted to my HSBC credit card - one in XX/XX/XXXX and one XX/XX/XXXX ; both charges are fraudulent and unauthorized. Due to difficulty accessing my account online and by phone, I did not become aware of these until XX/XX/XXXX. When I spoke with HSBC fraud dep't. in XXXX, I was promised ( in a recorded conversation ) the refund of both charges. Now in repeated calls they are refusing to refund the earliest charge due the length of time since it occurred. Today I was given a number for the 'presidential dep't '. When I called I was unable to speak with anybody and could only leave a message. 
I typically have to spend a half hour or more on the phone with no resolution. ; The company has proven to be the most difficult credit card company I have EVER dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc.
State: UT

Complaint narrative:
Convergent Outsourcing is reporting a debt on my credit file that I do not owe. This debt is past the statute in California, and also it is really old and shouldn't be on my credit.

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 2020-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Fraud on checking account ending in # XXXX. Two checks one {$24.00} the other {$360.00}. 
Those companies are unknown to me. USBank ordered me to close the checking # XXXX and debit card # XXXX. Was told to open a new checking and new debit card or leave USBank. Completed per their directive under duress new account # XXXX and debit card # XXXX. I am severely XXXX 8 XXXX  with XXXX  and XXXX  in my body. XXXX XXXX XXXX. Legally XXXX. Instructed to change Social Security deposit, small pension deposit, any automatic payments from creditors. I spent endless hours on the phone with fraud hotline with their staff unable to find my claim. I got a ride to the branch and filed affidavits of fraud on checking # XXXX and debit card # XXXX. The branch manager XXXX removed my son from joint checking because he was not their to sign a card, yet he was on the checking for many years with me to help pay emergency bills during hospital stays. Now he can not do that put down as only a beneficiary and crudely told you have to die. My son is XXXX in XXXX risking his life and not there to sign a card. BUT THE 800 ONLINE TOLD ME THEY COULD OPEN A JOINT CHECKING AND PUT HIM ON THERE AND MAIL NEW CHECKS WITHOUT SIGNATURE CARD. Then recently more fraud shortly after receiving a new checking account ending in # XXXX and debit # XXXX. Somehow someone got a hold of my debit # XXXX and charged {$100.00} and {$50.00} two different charges through XXXX, N, Y. I had to pay for a ride to transport me to the USBank. I was issued a new debit card # XXXX. 
This card does not allow me to pay my bills due to a small allocation of funds despite my transfer from savings exceeding the USBanks limit. The USBank told me they need to hold my funds because it was better for me to receive interest on savings rather than spend my funds on BILLS! I have been forced to make calls to the branch and fraud hotline daily spending 3 to 4 hours a day. MY HEALTH HAS BEEN AGGRAVATED AND EXACERBATED and my doctor is recommending i be hospitalized as my XXXX levels are between XXXX and XXXX for a XXXX XXXX   with XXXX XXXX. USBank conned me into staying with them under the guise of hidden false benefit much like a haggling huckster. XXXX the Branch Manager with other employees except one shows much laziness and incompetence of which my son and I have paid the price.

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 2020-02-21 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: LA

Complaint narrative:
XXXX XXXX # XXXX is reporting an account to my credit that should no longer be on there. This debt is past the Louisiana Statute of Limitations and I no longer owe this debt. It needs to be deleted off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX # XXXX is reporting an account to my credit that should no longer be on there. This debt is past the Louisiana Statute of Limitations and I no longer owe this debt. It needs to be deleted off of my credit 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 2020-02-21 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: TX

Complaint narrative:
Hello, I made a payment of {$3700.00} on XX/XX/20 for the student loan I have. The payment has never been applied to my account. I have sent several emails asking where the money is with no responses. I called today because the payment is still not showing that it was posted to my account. I spoke with one person that said it was applied to my principal but he couldn't show me any documentation of that because of how it was applied. I asked him to send me an email stating that activity, he said he would but I never received it. 
I called back and spoke to another person and he stated that he showed the {$3700.00} was refunded, payment cancelled, upon my request. I NEVER called and cancelled a payment and I have NOT received a refund. The person I spoke to said that he filed a complaint to have the issue looked into to see where the money is. I am very upset because my payment is " lost '' and I have received two different explanations. I am attaching my confirmation of payment that was " posted '' on XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This is on my credit report. 

XXXX XXXX XXXX Account number XXXX Original creditor : UNIV XXXX XXXX XXXX {$320.00} Collection opened XX/XX/2019 0 % paid off My tax return has been taken this month to pay off part of this debt, but Experian will not correct the amount on my credit report. 

$ XXXX $ XXXX {$180.00}

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 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I applied for the XXXX XXXX credit card issued by American Express and was approved on XX/XX/XXXX. Upon receiving the card, I called the customer service on XX/XX/XXXX to confirm that the signing up bonus is indeed as what I saw at the application page. I was connected to their representatives named XXXX who is based in their call center in the state of Illinois. XXXX straightforward confirmed the signing up bonus of my credit card as spending {$4000.00} within first 3 months and receive XXXX bonus XXXX  points. I also learned a bit of other perks and benefits with this particular credit card. Before hanging up the call, I confirmed again that I'm eligible for the sign-up bonus and XXXX said YES. 

Since then, I have been using this credit card in almost every single transaction where a credit card was accept, both at home and while I was on travel. 

In late XX/XX/XXXX, when I calculated that I have spent an cumulatively more than {$3000.00} on the card, I would like to make sure the spending total calculated by American Express is about the same, so decided to call the customer service. During the call, I confirmed again about the sign-up bonus with the representative. 

Lastly, when the XX/XX/XXXX statement closed and by which time, my calculation indicated the {$4000.00} spending requirements on the card were already met, I did not see the XXXX bonus XXXX  points posted with the statement. So I chatted with another representative on the Amex app ( after log in ). The representative confirmed my sign-up bonus offer one more time but assured me that it might take additional days/weeks to receive the XXXX bonus points ( sign up offer ). 

Today ( XX/XX/XXXX ), I called American Express customer service again to follow up on the signup bonus. I talked to their representative named XXXX who is based in Florida. However, I was shocked to learn they have declined to fulfill the sign-up bonus which I have been confirmed about multiple times in the past 3 months. There's something even more disturbing - XXXX mentioned this was declined from DAY ONE of my account opening. 

I am very disappointed that after all the hard work and a heavy spending of more than {$4000.00} on this single credit card, American Express declined the sign-up bonus offer. Moreover, I am a bit furious that I was repeatedly being told/confirmed about the signing up bonus of the card all the way throughout the initial 3 month period when I spent heavily on the account but was only told the offer was declined after spending requirements were all met. There're many many other cards issued either by American Express or some other companies that I can put the {$4000.00} spending on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX # XXXX is reporting an account to my credit that should no longer be on there. This debt is past the Louisiana Statute of Limitations and I no longer owe this debt. It needs to be deleted off of my credit 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 2020-02-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Was the victim of a scam XX/XX/2020 for {$500.00} plus charges. I called into what I thought was XXXX customer service but it was a scam 800 number which I was told it was XXXX and that my acct and Chase credit card were compromised. That I had to make purchases online to block the scammers using my acct for the same type of purchase. XXXX resolved by removing the charges. However, Chase refuses to do anything and on top of that has closed my account for false reasons that may affect my credit report. Also unable to receive contact with XXXX XXXX which is where the charges occurred. XXXX is aware if this scam and will not do anything to help. These were guft cards issued from XXXX but due to not being purchased directly they will not reimburse me the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file that I do not owe. This debt is past the statute in California, and also it is really old and shouldn't be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file that I do not owe. This debt is past the statute in California, and also it is really old and shouldn't be on my credit.

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 2020-02-21 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: CA

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had major XXXX which resulted in XXXX XXXX from XXXX XXXX. I was incapacitated for several weeks after the XXXX and consequently, I was unable to function normally. I called the bank and let them know the extenuating circumstances I was dealing and to ask they forgive the lates that are currently reporting on my credit report and remove them. The representative I spoke with assured me, due to the circumstances beyond my control, they would request the late fees reporting be removed. The bank unfortunately did not keep their word. I was not aware there were lates reporting on this account until I obtained a copy of my most recent credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had major XXXX which resulted in XXXX XXXX from XXXX XXXX. I was incapacitated for several weeks after the XXXX and consequently, I was unable to function normally. I called the bank and let them know the extenuating circumstances I was dealing and to ask they forgive the lates that are currently reporting on my credit report and remove them. The representative I spoke with assured me, due to the circumstances beyond my control, they would request the late fees reporting be removed. The bank unfortunately did not keep their word. I was not aware there were lates reporting on this account until I obtained a copy of my most recent credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had major XXXX which resulted in XXXX XXXX from XXXX XXXX. I was incapacitated for several weeks after the XXXX and consequently, I was unable to function normally. I called the bank and let them know the extenuating circumstances I was dealing and to ask they forgive the lates that are currently reporting on my credit report and remove them. The representative I spoke with assured me, due to the circumstances beyond my control, they would request the late fees reporting be removed. The bank unfortunately did not keep their word. I was not aware there were lates reporting on this account until I obtained a copy of my most recent credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I was affected by the data breach back in XXXX. Up until the data breach I had a credit score. However, Dating back to XXXX of XXXX, My score was no longer available. And on my credit report it was completely blank. I started contacting equifax about this issue. For a while I was able to login on the user portal and I still had no score. I spoke with a few representatives and no one was able to help me. I was always told to come back. I applied for a loan on XXXX XXXX, XXXX, and was denied to equifax. The denial letter stated, " unable to verify identity ''. I called equifax back that night, and a young man, I was on the phone with him for over 40 minutes. He informed me that I no longer had a credit score nor was I in the equifax database. I told the young man I shouldn't be penalized for something that was done with their system. So he told me that he would charge me {$15.00} for a credit report to help me. If the system does not approve me then I would get my money back. I didn't come up in the system that way because they don't have any information on my behalf. Now, I'm waiting on my refund.

Company response to consumer: Closed with explanation