vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 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: TX

Complaint narrative:
I am a victim of Identity Theft. After discovering it on a credit report I followed the guidance found on Identitytheft.gov and submitted a packet via certified mail containing a notarized Identity theft affidavit as well as a police report and the required documents for Identity verification. Transunion sent a letter back declining to block the information from my report which is a clear violation of Section 605B of the FCRA.

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 2021-04-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
I entered forbearance according to the care act in XXXX of 2020 and continued to make payments as I could until XX/XX/2020 since then community loan services formerly known as XXXX loan servicing has been harassing me for payment and has reported me to the credit bureau 120 days passed due. They've ruined my credit rating and iam not able to qualify for assistance due to their negative reporting and they refuse to correct their mistake according to the care act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Since XX/XX/2019 I have made consistent current payments to Santander consumer USA on an original open current account with the vehicle still in my possession. The account has not been sold to any debt collection agency however my credit reports are showing the account is charged off and closed. Although the account became delinquent in XXXX due to XXXX and as a result, a change in income, I have since as previously stated overcome the financial/medical hardship and continue to make on time payments that are not being reflected as positive monthly payments but showing a reduction in principle amount on what appears to be a closed account where its giving the impression that the car may not be in my possession or is appearing to be in a repo status. I would like the current status of my account which is open, as seen and confirmed in Santanders system by several representatives to be reflected, as opposed to the delinquent status being reported to the credit bureaus. I do understand that a company has right to charge off an account due to delinquency so I am not requesting necessarily the removal of the charge off just that the current status of account is shown accurately. I have documentation showing history of payments and a hard copy bill statement stating account is current. I have enlisted the help of XXXX law to assist in this matter however I am in dire need to have this expedited and corrected because my credit score is severely being impacted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I had my annual health/physical check up with The XXXX XXXX XXXX XXXX in 2019. 
All annual health/physical check ups are free with my employers private health insurance. 
I received a bill for blood work. 
I submitted a letter to the hospital asking them to bill the insurance company as they had done in the past as that's part of the annual health/physical check up. 
Instead, they began charging fees and interest and sent the bill to collections to M & M Credit. 
The are reporting this to the credit bureaus and are damaging my credit reports and score because of their own bad administrative practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint Mortgage has refused to refund late fees ( 2 ) and a property inspection charged in error. They responded to a previous complaint # XXXX, claiming that all would be corrected. However, as of the date of this writing there has been no refund to me or the account. I have made multiple calls to the person who wrote the response with no response.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TX

Complaint narrative:
Pre approved and now two weeks from closing we are loosing our XXXX, because the lender has now told us underwriting is declining, he did not update the underwriting with the updated information filed the complaint with his company and they are not going to re review the file. We have paid debt that he asked us to pay which totals {$1500.00} and loosing XXXX in XXXX money

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: U.S. BANCORP
State: AZ

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains a total of numerous late payments reported between XX/XX/2020 to XX/XX/2020 ] for several of my accounts. 
I want you to know that I understand my financial obligations, and if it were not for the Covid 19 Pandemic, I would have an excellent repayment record. From XX/XX/2020 to XX/XX/2020, I experienced a devastating financial blow from Covid 19 affecting my employment of 8 years and ability to afford payments to my credit cards and mortgage temporarily. I did reach out to all my creditors to help accommodate during the pandemic, but I now have realized I was still reported in error and was never helped. Prior to Covid 19 I have never missed a payment on none of my accounts and had a 100 % repayment history. I made a mistake in not keeping an eye on my credit as this is the first time, I have used a credit reporting company, but moving forward, I will treat my credit with the utmost importance and have kept my eyes on every update to prevent any future errors. Since then, I have had a spotless record of on-time payments. 
I am planning to apply for a mortgage, and it has come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for the following accounts. 
6. XXXX XXXX XXXX XXXX XXXX, Credit Limit= XXXX, Balance= XXXX, Dates reported late = XX/XX/2020 2020

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 2021-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Receivables, Inc.
State: GA

Complaint narrative:
I have had a debt collection company calling me incessantly for over a year. I spoke with someone named XXXX at the company and provided my check card info with the agreement they would deduct {$25.00} a month from my back account to pay my debt and asked that they never contact my job or my husband. Since then they never took a payment out as was agreed, they not only called me incessantly but my husband as well and last time they called they insinuated they were calling from my doctors office to attempt to get my husband who was at work at the time to get me on the phone and then called my employer after being asked to never call them. When I have spoken to them they have been nothing but rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
At month of XXXX ( or XXXX ) my chase bank offered me to upgrade my southwest credit card for the new upper card ... .and will be rewarded with XXXX rapid reward points to my southwest airline account with the condition of spending {$140.00} until XX/XX/21 ... .I accepted the offer and immediately use the card with a new hotel booking part of my trip to Florida ( XX/XX/21 ) and much more items into that card ... .its now more then 6-8 weeks that NO points were rewarded as that agreement ... each time I contacted Chase they are assuring me those points are into my account despite I am contacting XXXX XXXX that confirms NO points are in my account as well I can see that each day I try to check my rapid reward balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains a total of numerous late payments reported between XX/XX/2020 to XX/XX/2020 ] for several of my accounts. 
I want you to know that I understand my financial obligations, and if it were not for the Covid XXXX Pandemic, I would have an excellent repayment record. From XX/XX/2020 to XX/XX/2020, I experienced a devastating financial blow from Covid 19 affecting my employment of 8 years and ability to afford payments to my credit cards and mortgage temporarily. I did reach out to all my creditors to help accommodate during the pandemic, but I now have realized I was still reported in error and was never helped. Prior to Covid 19 I have never missed a payment on none of my accounts and had a 100 % repayment history. I made a mistake in not keeping an eye on my credit as this is the first time, I have used a credit reporting company, but moving forward, I will treat my credit with the utmost importance and have kept my eyes on every update to prevent any future errors. Since then, I have had a spotless record of on-time payments. 
I am planning to apply for a mortgage, and it has come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for the following accounts. 
7. Synchrony Bank/Care Credit, Credit Limit= XXXX, Balance= XXXX, Dates reported late = XX/XX/2020 2020

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 2021-04-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
THIS IS EMERGENCY BANK OF AMERICA PRE-PAID CARD USE BY XXXX EMPLOYMENT -UNEMPLOYMENT INSURANCE BENEFIT, I HAVE CALL I HAVE SENT LETTER TO XXXX XXXX XXXX, MANY CALLS THEY HAVE CLAIM THE SENT E-MAL TO BANK OF AMERICA UNLOCK CARD THEY SENT E-MAIL WHILE I WAS ON PHONE I HAVE CALL TO FRAUD DEPARTMENT THEY CONTINUE CLAIM THEY HAVE NOT GOTTEN ANY E-MAIL THIS IS MY UNEMPLOYMENT IT DO NOT TAKE 2-MONTH UNLOCK YOUR CARD MY UNEMPLOYMENT CONTINUE SENT EVERY WEEK TO BANK OF AMERICA PRE-PAID , XXXX XXXX XXXX XXXX - REPORT FRAUD OTHER PEOPLE UNEMPLOYMENT WAS GOING IN PEOPLE PEOPLE BANK ACCOUNT WHEN SOME HAD NEVER APPLY FOR UNEMPLOYMENT I DO ID ME SHOW I WAS XXXX XXXX XXXX HAVE COMPLETED EVERYTHING THEY SEE MY DEPOSIT CONTINUE BEGIN DEPOSIT ON PRE PAID CARD I SENT EVERYTHING XXXX XXXX THEY ASKING DO HAVE PERSONAL BANK ACCOUNT I DO NOT IT SEEN BANK AMERICA PRE-PAID CARD DISCRIMINATION BUSINESS SCAM IT DO NOT TAKE 31 DAYS UNLOCK A CARD WHEN YOU CALL ONE AGENCY TOLD ME SHE WAS TOLD NOT TALK TO ME IT'S HARD LIGHT XXXX WARTER CUT OFF I NEED MY FUND SOON AS YOU GET MY COMPLAINT WHEN SOME ONE HOLDING UP YOUR UNEMPLOYMENT IT NOT GOVERNOR THEY SAID YOU ID THE LOCK DOWN MY FUND SOMETHING NOT RIGHT.

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 2021-04-27 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: FL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

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 2021-04-27 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: FL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
My husband is a 100 % permanent and total XXXX veteran since XX/XX/XXXX. Since this date, I have attempted to work with my mortgage provider, XXXX XXXX XXXX to correct my payment information to reflect that real estate taxes at the city and county level are not required. I have provided the appropriate paperwork and it has been acknowledge as received. I have called our mortgage provider every other week and emailed every other week since XX/XX/XXXX. During my call today, it was acknowledged that the " ticket '' from XX/XX/XXXX was opened and closed and just today ( XX/XX/XXXX ), they are re-assessing the tax and escrow portion of my account. I am at a loss of what to do next as I have exhausted all the avenues I am aware of with my mortgage provider to resolve this on my own. Any assistance that can be provided to help reconcile this is greatly appreciated.

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 2021-04-27 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX, someone used my credit card to purchased something name : XXXX which I did not authorized. I lived in XXXX, Texas and I got hit by the storm, no electricity and water for a week during XXXX. Our pipe were burst, leaking everywhere so I do not have time to check my credit card account. Here are all of the charges : XX/XX/XXXX - {$8.00}, XXXX $ XXXX XXXX {$9.00} XXXX XXXX {$8.00} XXXX XXXX {$43.00} XX/XX/XXXX {$43.00} XX/XX/XXXX {$210.00}, {$130.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$260.00}, {$860.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$43.00} XX/XX/XXXX {$520.00} XX/XX/XXXX {$130.00}, {$86.00} XX/XX/XXXX {$430.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$390.00}, {$210.00} I spoke to the representative since the credit Chase gave me was reverse. He told me that he submitted for reinvestigate. There are no way I could spend this much of money during pandemic and after the storm for something. XXXX XXXX  representative told me to investigate on my end. I XXXX  and emailed XXXX  to verify but they couldn't verify because I told them I did not authorize. They told me my credit card information are stolen for the purchases. I will attached the email for you guys. They even told me the product of the scam was some kind of game. I need your help. I do not event have the much of money in my account to pay for it, why would i done something like this to go to debt and hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a submitted an application to Citi bank to refinance my mortgage, the application was approved and all required document was completed and submitted. I Initiated the application back in XX/XX/XXXX, an appraisal was completed on XX/XX/XXXX. I was given a closing date of XX/XX/XXXX and I had the rate locked. Since then and the bank keeps on pushing the closing date and until this moment they haven't closed the loan. They have changed the closing date 4 times, and every time they push it a month. last date was XX/XX/XXXX and it has been changed again to XX/XX/XXXX. I have contacted the bank many times and complained but every time I get the same answer that they have too many applications and it will take time. I was promised my loan should be completed within 3 to 6 month and now we almost at the 6 month and nothing has happened. I had an offer from a different lender and Citi Bank matched that offer, now I'm stuck with them since the rates are higher and I can't go with anyone else. The refinance loan is for XXXX with XXXX cash out. The APR is XXXX % for 30 years.

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 2021-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Please see emails between vendor and myself. I canceled and requested a refund. Capital 1 removed charge then applied it bank to my credit card. I made every attempt to contact vendor by email and by phone to cancel and request them to refund my card asap. They never contacted me until I contacted Capital 1. Package was delivered, refused and returned to XXXX. Please see tracking information also regarding vendor received return. Capital 1 sent a letter to me that the charge is being applied back to my responsibility. They also requested further information if I did not agree with their decision. They said I could respond by fax which I tried numerous times. It is a non working fax number which continually rings busy. I called to speak with a supervisor to ask for assistance. She said there was no other fax number available to send documentation. They did send a link to upload my documents which also did not allow screen shots which they recommended I take and upload. After numerous calls an attempts with Capital 1, I had no recourse but to file a complaint, which is what I am doing. I also contacted customer service department at Capital 1 for their fax number, which the representative was kind enough to provide. Faxed over documentation to the ATTN : DISPUTE DEPARTMENT c/o CUSTOMER SERVICE. Please review. Thank you for your help to resolve this matter asap. 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27 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: FL

Complaint narrative:
This is my second message already and I still can not get rid of fake accounts in my profile. Why do I have them still if I filed Identity theft and proved that these accounts are not mine and that somebody just used my personal information? These fraud accounts are killing my report! What else do I need to do in order to make you remove them from my profile. Why Do I have to have this misleading information in my credit report for so long????? Please get my point and take appropriate actions ASAP

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 2021-04-27 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: FL

Complaint narrative:
This is my second message already and I still can not get rid of fake accounts in my profile. Why do I have them still if I filed Identity theft and proved that these accounts are not mine and that somebody just used my personal information? These fraud accounts are killing my report! What else do I need to do in order to make you remove them from my profile. Why Do I have to have this misleading information in my credit report for so long????? Please get my point and take appropriate actions ASAP

Company response to consumer: Closed with explanation