vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 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: CA

Complaint narrative:
I received an alert from Experian that a new dispute was opened for the creditor XXXX # XXXX. I have disputed this item with Experian. I have not requested an investigation by Experian on XX/XX/XXXX. 
Actually there is a complaint I submitted here reference # XXXX with the same creditor. That complaint has not been closed and is past 30 days with no communication about the status. 

They have repeatedly use my complaint here to extend investigations into this creditor. They state they have updated the item by saying its been paid and closed as of XX/XX/XXXX. That did not happen especially since this account was reported inaccurately with status showing included in bankruptcy. How can I pay an account that was included in a bankruptcy in XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2021, I, XXXX XXXX, received a letter via USPS mail from XXXX XXXX XXXX XXXX stating I owed a debtor {$630.00} and named PayPal, Inc as the creditor. While I have a regular PayPal account -- the kind in which I deposit and withdraw my own earned money -- I do not and never have taken out a PayPal credit account. In fact, the one time I tried to apply for one, I was denied, so I am pretty sure that this is either the result of blatant fraud or identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA

Complaint narrative:
We purchased our home in 2006, right after Hurricane Katrina. We were given a high interest rate of 9.24 %, even though we put {$25000.00} down and paid closing costs of {$15000.00}. During the Corona Virus, we struggled to pay the monthly payments. We have our own business and struggled, as everyone did. We asked them to work with us by lowering the interest rate. We have been asking them for many years to see if we can lower the rate. They can't do that because we are self employed. We feel that they are price gouging on the interest rate. We have been there for 17 years. We are now in our XXXX 's, our credit score is high. We feel like we are being discriminated against because we own our a business. There should be no reason for them not to be able to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BAM Management US Holdings Inc.
State: CO

Complaint narrative:
Binance is a scam of a company with how long they hold funds before you can withdraw them from your account there. On XX/XX/21 I deposited {$1000.00} into my account with them from a XXXX account via ACH. This ACH was cleared from my XXXX account on XX/XX/21. However, Binance will not allow me to withdraw these funds regardless of it's for 10 business days ... I have emailed them multiple times asking why there is this 10 business day lag when the funds are confirmed out of my account and have not received any response. They were supposed to be a passthrough transaction for me and now I have lost nearly {$200.00} in value of that {$1000.00} due to their ridiculous hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I am reporting ALLY financial. I have sent numerous emails and online chats requiring a supervisor to reach out to me and have been denied each time. These attempts were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. There were also many failed phone calls with horrible representatives who promised I would get return calls but never did. No one has took the time to look over my account and correct it. I have never had 25 late payments as they report to the credit bureau. I have paid extra payments on my account that have not been applied correctly and still overcharged late fees and past due ammounts which affect my credit. I can not get anyone to correct this so I can apply for a mortgage. Please help me get someone to look into this account for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I contacted my mortgage provider during covid 19 to indicate that I was unable to make payments as scheduled. I was approved for a XXXX in XX/XX/XXXX and was told it was good for 6 months. In XXXX of XXXX, I called again and I was told I had several options for repayment. I could repay everything I owed all at once ( ( I was unable to do this ), I could go on a repayment plan or I would lose my home, the last option was to extend the forbearance. XX/XX/XXXX I extended the forbearance and was told it was good for another 6 months. XX/XX/XXXX, I called the loan provider and was only give the option of a repayment plan so I began the process of trying to figure out what was needed. I was told I would be called with options and or it sent in writing. No one ever called so I called again and was given these terms ; XXXX down payment and monthly payment would be XXXX for 12 months as the mortgage was XXXX. I began the payment plan in XXXX of XXXX. I then realized that my loan had been reported as DELINQUENT for 120+ days. I called and asked why this happened and was told the loan would be reported as delinquent for over a year. I asked why this was never told to me and furthermore if I was on a repayment plan why would this be reported. I received NO response. On XX/XX/XXXX, I noticed that loan was closed, I called again and they indicated the loan had been sold but yet they are still reporting a loss on my credit report. I was under the understanding that the government had indicated that loans and mortgages would NOT be reported as a loss. I have been paying the loan back so not sure why this is happening. Please assist me as this will affect my score for the next 10 years. As many in the world, we have all been affected by COVID and my intentions were never to NOT pay and I have resumed paying my monthly payment of XXXX and an additional amount of {$1800.00} so I would not lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: FL

Complaint narrative:
My credit reports show unverifiable and inaccurate 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 2021-05-17 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: FL

Complaint narrative:
My credit reports show unverifiable and inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
Almost two years after being the servicer, SLS changed a historical document. SLS has refused to explain ( except to state it is based on previous unnamed documents ). This is FACTUALLY FALSE, as SLS 's previous documents before this confirmed an UNFIXED ( to-date ) SERVICING ERROR. An internal report ( attached ) with their parent company, states I requested this change ( WHEN I DID NOT ). And so, I would like a copy of SLS 's servicing file notes from XX/XX/2018, to the present.

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 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: North Shore Agency, LLC
State: CA

Complaint narrative:
I noticed a charge on my bill from XXXX XXXX. I called XXXX and my CC issuer and notified them of the error. I have just called XXXX on XX/XX/2021 they said there is no account under my name or phone number and have no reference to the acct # s listed on the debt letter. I called the debt collector, XXXX XXXX XXXX, and nobody answered as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I was informed by several credit bureaus that there were late payments made on several accounts that I was not aware I even had. Apparently XXXX XXXX XXXX is a collection company that XXXX XXXX uses on past due accounts yet was never given any information as to the placement of any accounts as required. Additionally, I had ONE account with XXXX not two, and never had any dealings with XXXX yet they were reporting false late payments against me with the credit bureaus ruining my credit. My debt with XXXX  has been PAID IN FULL and they will verify that this information is true and correct but I am unable to dispute this with the credit bureaus since I have disputed this with XXXX in the past. Since I don't owe XXXX or XXXX  I would like this negative and false information removed immediately as it is the only collections I have on my credit report and since I am a XXXX individual on very low income and the spouse of a XXXX veteran it is not easy to qualify for any loans and I am forced to sell my house and buy a single story for my spouses mobility issues and recent blindness for fear he will fall down the stairs again. I am attempting to make sure my credit reports are as up to date and accurate as possible. Thank you in advance for your assistance in helping me resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: MA

Complaint narrative:
XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX, 2019 ( 2 yrs, 1 mos ) I did not do this 2 years ago

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 2021-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
Me and my husband took out a mortgage on our house and we finished paying it several months ago and this company Citifinance is out of business and they are saying we still owe money which we don't I even have a clear deed to this house and it's making my credit score low due to this issue and XXXX XXXX is saying the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On a XXXX of XXXX i made deposit from my XXXX XXXX personal checking account to my chase buisness checking account two checks one of them in the amount {$19000.00} another one in the amount of {$20000.00} one of them i did with mobile app and second one i had to do on atm becouse of a limit on mobile app deposit. 
While i was doing that i made a mistake i put the same check number on both checks " XXXX '' so becouse of that Chase Bank put hold on one of the fund till XX/XX/XXXX. 
And put restriction on my account. Then Chase Bank forwarded my Chase Buisness checking account to fraud department and at the end they end up closing my account. 
They never informed me about whats going on and that it was the fraud department dealing with it. 
I called them to find out whats going on around XXXX of XXXX and they told me becouse of same check number they have to hold it and asked me to go back to XXXX XXXX bank where the money came from to put a claim to return the money back to XXXX XXXX bank they said thats the only way to get back my money. 
I did that and put the claim time passed by XXXX XXXX did try to get the money but Chase Bank never responded for their claim. And then i contacted the Chase bank fraud department again around XX/XX/XXXX or so on the phone they said i have to go to branch and show statement or on my XXXX XXXX  bank app that money was taken out from my wells fargo account so to prove that money got out of wells fargo bank. 
And on a XX/XX/XXXX i went to Chase Bank branch and talked to member of the bank and explained what is going on and when he checked my account it was closed and there was a note to call that department. and he called them and at that moment that department told him to put some adjustment to find the where the money is so they kinda messing with me all the time when i call them every time they come up with some kinda new excuse about my money. All the time when i talked to the they never provided me any case number or refrence number for my phone calls i asked the but they said they can not provide anything in writing or any kinda case number about calls i made i asked them send me letter about what is going on and why my money is in hold they said letter was sent on around XX/XX/XXXX or so but i never get that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: MS

Complaint narrative:
Equifax is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXXXXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX not mine XXXX XXXX  XXXX DIST CT XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX F XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX FCU XX/XX/XXXX unauthorized XXXX FCU XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX CARD SERV XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
My current auto loan is with Bank of America and it was established XX/XX/XXXX. From the date of inception I have been adding excess amount to my monthly payment with the understanding that the extra amount would go towards the principal of the loan. However after sending in a larger payment on XX/XX/XXXX, I noticed on my next months bill that my general payment was lower and the excess dollars that were being sent in were going towards future payments and interest. No where on the Bank of America site does it allow the customer to select additional payments to go to principal only, nor does it want the customer that the additional payment will not go to principal. After speaking with a BofA rep on the phone, they do not allow customers to submit principal only payments online. I was informed the only way to submit principal only payments was to fill out a ACH form, which is not available online, or to mail in a check. These practices are deceptive and prolific across the Bank of America loan population.

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 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I opened my PNC account in XX/XX/XXXX. My account has been messed up from the beginning. They released payments to merchants I do not have an account with nor do I owe money to them. They paid frauds charges to merchants then took money from my savings without my consent placed it into my checking and released that money to fraud charges. I have filed many disputes in which they denied half the claims and the other there was supposed to be a credit that didnt show posted went back and did a reversal of payment basically charging me three times for fraud activity. I, made them aware from the first month. I had seven debit cards reissued each time the same problem happened. All of my savings were illegally transferred and spent on fraud charges this included my stimulus payments and income tax refund for state. I want my money back. I havent touched my account and from XXXX to XXXX over {$7000.00} was illegally removed from my account. Then the bank tried to manipulate me as if it were my problem claiming they wouldn't deal with me anymore when this was their fault. I opted out of overdraft protection it states on each monthly statement therefore they hasd no right to let fraud merchant charges ruin my account, transfer my savings to cover fraudulent charges then refuse to put my money back into the account. I have been without my card for a month since then XXXX was put into my account. I activated the card XX/XX/XXXX and the funds were gone again after going in personally and blocking these merchants they continued to release my money knowing it is fraud. You can tell by thew fact there is 20 charges a day by this merchant. I want my money refunded from the state as well as the fraudulent activity they allowed to occur on my account. You can see where it shows I did a transfer online and phone then it states funds transfer which shows it was on their end and for no reason when the account had money in it. I should have over XXXX in my account that is fraudulently gone and unexplaianable charges and transfers that were not authorized. I can tell it was premedatated by the fact the first months statement came with a notice stating fraud and warning the credit bureaus of my account as if they had this planned. Then told me that was the point of the account. No it is to save money and checking to pay bills. I know what my monthly bills are and never exceed my spending to the point where my savings had to be touched. Yet, the bank did this now I was robbed for all my government benefits and savings. This is fraud and swindles, a breach of contract and should not present insured by FDIC of {$250000.00} and then do not refund my account for theft by deception and fraud. I am livid and do not know who to contact to resolve this matter and get my money refunded as it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX or XX/XX/2021 my credit limit was decreased from {$6200.00} to {$500.00}. This is the only month I've paid after the due date going on 2 years. All of my accounts are on autopay and I thought this was too. The credit report Chase used has a lot of incorrect info such as account inqueries from companies in which I've never attempted to do business. I was on hold for 55 minutes and eventually spoke to an agent who refused to restore my limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
Receiving SPOOFED PHONE CALLS phone calls from an American Express offshore debt collector, XXXX XXXX XXXX. They are calling multiple times per day. I have attempted to speak with them and settle with them and have told them they can call me within the limits of what the law allows. However, they are calling me multiple times per day, harrassing me, even after I speak with them. They are masking/hiding their true numbers intentionally, calling from spoofed numbers appearing to be in my area or in a nearby city. I have spoken to them multiple times telling them I have lost my employment due to COVID and they are welcome to call me each day if they want to, but they are calling, 3, 4, 6 or more times per day, attempting to offer settlements and are changing their phone numbers repeatedly so that it appears I am getting calls from what I think may be job recruiters, etc. They become angry when I ask for an offer to settle in writing and one representative told me that they are not based in the United States and are not subject to the laws of the United States. 

The callers are in and from XXXX XXXX

Company response to consumer: Closed with explanation