vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 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: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I had specialized loan servicing for my mortgage account from April 2018-April 2021, and there numerous inaccuracies on my credit report from XXXX XXXX XX/XX/2019. My credit report shows that I was late on my mortgage. I was in the process of doing a loan modification on my home and i was informed by SEVERAL people within the company that this would not affect my credit. As well as once the modification was completed any negative reporting would be corrected. Well here we all two years later and 30-40 phones calls, my credit report is still showing late payments for that time period. This is very detrimental to my credit and my ability to obtain another home for my pregnant wife and daughter to enjoy. This is the one thing stopping me from being able to purchase another home and it's very unfair to have put my faith within a company to be truthful to their word and do right by me as a customer. Now that I have sold my home and no longer have an account with specialized loan servicing it has been impossible to have any communication from specialized loan servicing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/2021 I applied for a credit card after receiving preapproval. I was denied even though my debt to income ratio is around 18 %. When I called I spoke with XXXX she advised me that they based my application on false info. They stated my credit report shows two mortgage payments, one for {$440.00} and another for {$660.00}. That is false, my credit report only shows one mortgage payment. She also stated my credit report shows a monthly payment of {$5000.00} to XXXX. That was another false statement. That account she claims was used as my debt has been paid off for years. XXXX claimed she would have everything reviewed and she would reach out to me in a few days. Never heard from her. Called Discover today and received the run around. It is a violation of the Fair Credit Act, to use false credit info. Discover was made aware on XX/XX/2021 and XX/XX/2021 that the info they used to deny my application was not accurate. XXXX has provided me with a credit report and it is accurate. They also told me they did not provide Discover with the inaccurate credit report they used. Discover has a duty to obtain and use accurate information when reviewing application, especially when they have been informed what they have used is not accurate. Discover 's failure has caused me to improperly be denied and have an unnecessary inquiry. They have clearly violated the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DIME COMMUNITY BANCSHARES, INC.
State: NY

Complaint narrative:
My employer sometimes pays my expenses on XXXX, I then transfer the funds to my checking account. On XX/XX/2021 I was paid {$1100.00} on XXXX and transferred that amount to my Dime checking account where it posted on XX/XX/XXXX as completed. Three days later on XX/XX/XXXX the money disappeared, it showed as a withdrawal called " XXXX Reversal '' and all {$1100.00} was, and remains gone. My bank at first blamed it on XXXX, so I called them and they have no record of any such transaction and said it would be illegal for them to take the money back without either my or the bank 's consent, neither of which were given. Then the bank said XXXX asked for it back, which XXXX denies and if they did it would have returned to my PP account, which it hasn't. Now my bank seems to blame it on me, as though I created this transaction which I'm pretty sure ( if they would actually investigate ) they'd see it's likely fraud, and therefore the bank 's fault. I have offered to allow the bank access to my XXXX account but they are not interested in resolving this or even talking to me at all. 
I filled out an " Unauthorized ACH Form '' a couple weeks ago but still nobody at the bank seems to be investigating, and they do not wish to speak to me or explain anything, it is incredibly frustrating because I need this money for my rent coming up soon. I asked my branch manager to look into it but haven't heard back and I'm assuming he too will have no useful information. I really don't know what to do, the bank was supposed to protect my money but now it's gone and they want nothing to do with me. I've opened a new account at another bank because I no longer trust Dime, but have kept the empty checking account open waiting for them to give me my money back. PLEASE HELP! Thank you : )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent numerous letters to Transunion/XXXX reporting this bankruptcy showing on my credit that is not mine from XX/XX/2020. I have also provided a police report showing I reported said bankruptcy. They continue to report the bankruptcy. I ask for how it was verified, and they just respond saying it was verified. 

Multiple phone calls and letters with no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: MA

Complaint narrative:
Hello, Few months ago I realized there was incorrect accounts on my credit report, accounts on charge off status with incorrect information and a few other issues. I investigated and sent letters to the credit Bureaus it has been more than two months and they didnt answer and I checked my credit report and all this incorrect information its still showing on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: American First Finance, Inc.
State: CA

Complaint narrative:
I have requested an investigation on several accounts with XXXX, XXXX, an XXXX. The investigation took well over 30 days and this has caused me the consumer a deal of trouble that these accounts have been inaccurately reporting. I gave the credit reporting agencies 30 days to comply and they failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello I have a Capital One credit card that I m cardholder since 2006, I never had a late payment or any type of issue, this card has not been used since 2 or 3 years since I decided not to used anymore but I didn't closed the account to not affect my credit score since I m not using the card I do not use my online access either but was until last week that I realized that my credit score went down 95 points and i started researching and they had charge me a card membership fee for {$39.00} dollars what I didn't know or didn't remember and they try to charge my bank account but they had an old bank information and the payment was returned, I do understand that its my responsibility and that this credit card even though I m not using for almost 3 years they haven't closed the account. But I would like to get help since because of {$89.00} dollars they report to the credit bureau and that make my credit go down by XXXX points, I m in the process of buying a house and this has stop the process, since this has affected so much the process, I'm asking to please help me to remove this from my credit since my credit history has never been so affected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX? I completed my approved mortgage loan to Caliber Homes Loans with a credit score of XXXX for a mortgage of {$200000.00}? I was paying on time never late until the hurricane Irma hit my home on XX/XX/XXXX to report to Caliber Homes Loans of damages from hurricane Irma that I had to repair. My mortgage is a FHA mortgage and qualified under the federal law for relief during this tragedy in XXXX. I followed all their instructions called for 3 months to make sure I am able to go back on my feet since they said not to pay for XXXX, XXXX, XX/XX/XXXX. However, On XX/XX/XXXX I started paying my mortgage to Caliber Homes Loans on time and they modified my payment at a higher rate at $ XXXX/mon. However, on XX/XX/XXXX I received a letter from XXXX they are my service provider which i did not understand why. On XX/XX/XXXX I learned that XXXX is a debt collector not a bank. According to my credit report Caliber Homes Loans they closed my account on XX/XX/XXXX for a loan of {$190000.00} but in my credit they never reported my payments to the credit bureau on XX/XX/XXXX- XX/XX/XXXX then on XX/XX/XXXX-XX/XX/XXXX, then reported only XX/XX/XXXX then no reported payments from XX/XX/XXXX-XX/XX/XXXX, then my account was sold XXXX in XX/XX/XXXX to XX/XX/XXXX -XX/XX/XXXX. on XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX from XXXX that they have my account now for a loan of XXXX starting on XX/XX/XXXX bought from XXXX. XXXX did not report my payments for XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. Meaning I was paying on time which I can prove in my back statements from those dates Caliber Homes Loans hold about {$1300.00} of 5 months of {$6600.00} then sold my account to XXXX then XXXX did the same kept 6 months of {$7900.00} then now they sold it to XXXX XXXX XXXX, XXXX account # XXXX to another debt collector. My Loan is protected with FHA, what happened? they have destroyed my credit from XXXX to XXXX and this is going to be a repeated cycle since they claim I did not pay my mortgage when I have from day 1 except in those 3 months in XXXX in then hurricane Irma and followed Caliber Homes Loans their steps to keep my home and mortgage. This is a scam. I asked Caliber Homes Loans in their recorded lines that I asked if I had no issues and they said no to continue until XXXX with the mortgage that I am not going to lose my home. They lied and they tricked me all of them for fraud and took advantage of me. Everything is trackable I need help. ( the numbers may be off or dates cause I don't remember all the days and numbers but the proof in in their systems and my bank statements which will prove I never missed a payment from my mortgage of course only in XXXX during the Irma incident but I was in their programs for homeowner who was dealing with hardship in those times. I have reported it to ftc.gov # XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent numerous letters to XXXX/Experian reporting this bankruptcy showing on my credit that is not mine from XX/XX/2020. I have also provided a police report showing I reported said bankruptcy. They continue to report the bankruptcy. I ask for how it was verified, and they just respond saying it was verified. 

Multiple phone calls and letters with no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/21 I applied for Chase XXXX XXXX XXXX Card and was not approved. I'm a consumer ( natural person ) so I can not be denied credit that originates through me that I extended to them. I'm the original creditor pursuant to 15 usc 1602. I can not be discriminated against for exercising my rights in good faith pursuant to 15 usc 1691. XXXX  dose n't have my written consent to report anything on my credit report pursuant to 15 usc 1681 permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX aka cbna reported that a closed account which Im paying off was 90 days late. Because of this inaccurate information i was declined credit for a mortgage. I was able to find checks cashed by cbna that went back to XXXX. They have been reporting late which is incorrect and have caused my credit score to remain/ be low. I did dispute this with the XXXX and XXXX. But if its changed will my score go up like it went down? XXXX is also looking into this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX shared inaccurate information with Experian without my consent, therefore putting inaccurate information on my credit report. I disputed two bankruptcies that were showing on my credit profile with experian no other bureau is reporting such information except Experian. I filed a disputed to resolve the inaccurate information and Experian came back and said they received the info from XXXX XXXX. I called  XXXX they investigated the information and came back with it deleted because they were not able to verify the bankruptcy to be accurate. I then sent those letters that XXXX sent me to Experian they never replied back to me so I sent another letter asking to verify where are they really getting the information b/c the courthouse does not provide this information to the credit bureau and XXXX could not verify the bankruptcies so where is Experian getting it from the othe credit reporting agencies are not reporting this. Per the Privacy Act of 1974 5 USC 552a Violations 31 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration 42.56.070 ( 8 ) Condition of Disclosure Cybersecurity breaches of government computer Delete unauthorized Bankrupties I was never shown any document from experian where this information was verified. I never gave written consent to anyone to use my information against me especially when it's reporting inaccurate. Experian reps has lied to me several times about this information that I have requested requesting that they send me verification of the where they are getting the information and I have yet to received anything. Experian is mis using my information to hurt me and I will be looking into suing Experian once they see that they have provided inaccurate reporting of a banruptcy that I have tried to dispute after I have tried to reach out serveral times. Experian has ignored my calls and my letter sent to them in reference to this bankruptcy. Experian took information from a third party source who does not have this information in their sysytem but Experian has and used it to hurt my credit profile. Under the FCRA that is a VIOLATION and I want something done IMMEDIATELY!!!! Never once have Experian tried to resolved this matter as I take my credit profile serious.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
In XXXX I contacted Amex to help enroll me into the Financial Relief Program. Originally I was approved and they were going to set me up on a 12 month plan for reduced payments and I agreed. 
They said my account would be updated and I would see the lowered payment and begin in XXXX. 
That never happened and my account went past due. I called about 15 times over the last month and I either was hung up on or the call mysteriously was dropped. I never received a call back and when I escalated the situation I finally got someone who let me know their was a technical issue on Amex 's side. I had them agree on a recorded line they would not submit me to a credit agency or negatively affect my account while the issue is being resolved. 
They agreed on a recorded line and made notes according to the agent. 

Today XX/XX/21 I recieved notification from my credit reporting tool that negative info was placed by Amex. 

I always let Amex know I needed temproray help and this reduced payment could and would be made if they allowed. They never did. I also let them know after I lost my job, I had retained employement and would be able to get back to paying the card as before and cleaing the balance monthly as required by terms and agreement. 
Amex has created this issue and provided no support and then submitted the past due that was created by their issue after agreeing on a recorded line they would not. 

I am now employed and will pay the card off but need Amex to remove the info as agreed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23 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: MD

Complaint narrative:
I ordered a used auto part from XXXX XXXX on the XXXX of XXXX this year. The part I needed was a radio amplifier for my car radio. XXXX took my order and charged my credit card {$150.00}. 
When the part came, it was the incorrect part. They sent a radio rather than a amplifier for the radio. They are distinct parts. ( see pictures ). I called XXXX and they apologized and said they would mail the correct part ASAP. I again received the incorrect part from XXXX. Again, I called them and told them of their mistake. They responded by promising to send me the correct part ASAP. For the 3rd time XXXX sent the incorrect part. This all occurred in XX/XX/2021. I used my Chase credit card to pay for the parts. For the first two mistakes I received a credit for the entire amount. I also received XXXX return labels for the 2 incorrect parts. I repackaged those two items and returned them to XXXX. 
The third time I received the incorrect part I was told by the XXXX representative that they could not find the part I needed and that I must get the part elsewhere. 
XXXX  claims that they sent me a return label for the third mistaken part, but I never received any communication from them regarding the return of the mistaken part. 
I still have the part and have told them if they send me a return label, I will return it. They refuse. 
I also, filed a dispute with my Chase credit card which was denied. The reason given was " the vendor told them that the sale was made. I filed a second dispute ( an appeal ) and was turned down a second time. 
Currently I believe I am owed {$140.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
i noticed on my credit report that the account was closed recently. i called them, they stated that i called called them XX/XX/XXXX .. and asked them to close my account.. 

the problem is, i never called them to close my account. i am a victim of identity theft lowes rep stated that i called them to close the account.. i did not call. 

i never received a letter, or an email stating my account was closed. the person that called that day is not me. i did not call XXXX to cancel my account, that was not 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