vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/XXXX a check in the amount of XXXX was mailed from card services for a balance transfer on an Amazon credit card . The payment was sent by mistake to synchrony amazon. The acct number and name of the individual the payment was for was included on the check. Rather than returning the check due to wrong information, synchrony bank cashed the check on XX/XX/XXXX however the amazon account was not credited the funds. We have a copy of the cleared check. Synchrony was initially contacted XX/XX/XXXX and requested written explanation of what occurred. A letter was sent with a copy of the cleared check. We were told that we should hear something within 30 days but received nothing. Did a conference call XX/XX/XXXX again we were told to send a letter explaining the situation and a copy of cleared check which we did again and to give them another 30 days. Also during the conference call I asked to speak with someone in the accounting dept but was told they cant do that. As of XX/XX/XXXX we still havent received a response as to the status of these funds. Our chardholder has also made efforts and received no response. At this point our cardholder still has a balance on the card he intended to be paid off by the balance transfer, synchrony bank has {$2700.00} of our money. We were told by our card company they are unable to assist further because the balance transfer check has already cleared.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I was impacted by Hurricane Dorian in XX/XX/2019. The Governor of Florida declared my county, XXXX County, Florida under the State of Emergency order. In addition, the USPS suspended delivery of mail to my zip code, XXXX. Based on the foregoing, I did not receive my XX/XX/2019 statement from Target. I attempted to resolve this with Target but they are denying I was impacted by the storm. 

Because I did not receive my statement, I did not know I owed money to Target ( my payment due date was XX/XX/19 ). I only  learned that I was late when my credit reporting service alerted me on XX/XX/19 that Target made a negative reporting on my credit card. I immediately paid the balance due on XX/XX/19 ( {$10.00} ). 

I then called Target to dispute this matter and Target rejected my dispute and argued with me that I was not impacted by Hurricane Dorian. I had a wonderful payment history with Target up until this event and I am disputing their handling of this matter. It is clear that I was impacted by Hurricane Dorian and mail delivery was suspended in my area. I did not receive my XX/XX/2019 statement and was late with payment as a result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: MA

Complaint narrative:
Bridgecrest refuses to allow me to make payments on its web portal.

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 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I Have a few errors on my credit report that need some attention. I would like my current and only address to show properly as XXXX XXXX XXXX, XXXX, SC XXXX. Please remove the following addresses XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX. There is a account the I do not recognize on my credit from XXXX XXXX # XXXX. I would like the current phone deleted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX they are not mine please delete from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I Have a few errors on my credit report that need some attention. I would like my current and only address to show properly as XXXX XXXX XXXX, XXXX, SC XXXX. Please remove the following addresses XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX. There is a account the I do not recognize on my credit from XXXX XXXX # XXXX. I would like the current phone deleted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX they are not mine please delete from 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 2019-09-26 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: FL

Complaint narrative:
Equifax and XXXX are reporting incorrectly a collection in the amount of {$330.00} on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of the bill I received. ) This account does not belong to me and was billed in error. Unfortunately, my daughter had an accident and needed to make a visit to the emergency room. I had accompanied her and assisted her in filling out her paperwork. The billing department must not have switched her insurance information over at the time of this billing and consequently this bill was sent to me and actually should have been sent to my daughter. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: FL

Complaint narrative:
XXXX  and Experian are reporting incorrectly a collection in the amount of {$330.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of the bill I received. ) This account does not belong to me and was billed in error. Unfortunately, my daughter had an accident and needed to make a visit to the emergency room. I had accompanied her and assisted her in filling out her paperwork. The billing department must not have switched her insurance information over at the time of this billing and consequently this bill was sent to me and actually should have been sent to my daughter. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) 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 2019-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
Hi, on XX/XX/XXXX i was approved for a loan in the amount of {$320000.00}. 
I found a house and signed a contracted around XX/XX/XXXX for {$300000.00} then that was changed to $ XXXX.When i signed documents, i will receive different style signatures back when copies came back to me.the big problem is closing date keep rescheduling. 
Around the third time, i had it all, they keep asking for stuff that i already provide. 
The mortgage processor even ask me for more paper work two days before closing. 
When i went to her office, she took the day off and wouldn't answer her phone.I later understand that when the owner of the house want to speak to me regarding the house, the realtor will tell him she dont share clients info.When i have question, she told the owner is in XXXX.I spend almost {$1000.00} on inspection and appraisal fee. 
The mortgage processor even charged me {$370.00} for a program they call framework which she said its a requirement. 
I found out later that it is for first time buyer which im not. 
Im a home owner since XXXX.They keep asking for ridiculus stuff like buying money order for XXXX XXXX etc.I know appraisal and inspection fee is not refundable but i would like my {$370.00} back.I found out about this when my card was charged and call to enquired, and was told that its for first time homebuyer and you have to do a course online which i did none of that.I aked the mortgage processor for a refund and was denied.She told me she did the program for me.Loan processor XXXX XXXX NMLS noXXXX ( XXXX ) Realtor XXXX XXXX, which was recomended by Mrs.XXXX 
The problem with the realtor was signature issues, when i choose a type of signature, she would have something else. 
I went to a different realtor trying to get the same house, he call her to see if he can use the loan. 
She told him no, im not qualified for that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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 am requesting to remove account which I listed in Identity Theft. Please remove this account as soon as you can, because it ruin credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: CA

Complaint narrative:
I requested that Transunion verify the accuracy of a bankruptcy that is reporting on my credit report. Transunion mailed me a letters of the results stating that they verified with a third party company named XXXX. I do not understand how this was done because I have opt out of XXXX, sharing any of my personal information therefore, XXXX is not telling the truth. I will upload the letter I sent to XXXX, the response from XXXX, the opt out letter from XXXX, and information from the XXXX XXXX XXXX stating that they do not report to credit agencies. Please investigate these violations.

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 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Quicken loans did a hard inquiry on my credit report that I did not authorize, they asked for my social security # and I refused to provide it. This all started with a simple inquiry on XXXX XXXX to see current rates to refinance. Since they did not have my full SS #, they must have used the last 4 digits that I was required to provide to XXXX XXXX to see rates. I have already contacted XXXX XXXX to let them know of my displeasure with them but they aren't the company that actually ran my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: U.S. BANCORP
State: MO

Complaint narrative:
XX/XX/2017 I started an application to file bankruptcy but never completed the application process. Therefore the court dismissed XX/XX/2017. 

US Bank has failed to report my payments since to the three credit bureaus, thereby causing me not to be able to qualify for refinancing. I have paid all my payments to the on time monthly. However they did not report my payments to the credit bureaus. 

I did not know they were not reporting my payments to the credit bureau until I applied to refinance my home, and the perspective lender advised me the payments were not showing up on the credit reports and were hurting my score and ability to get a loan. 

I called US Bank and disputed with the credit bureaus repeatedly without their taking any action to help me. 

US BANK account # XXXX Balance approximately {$6000.00} Home Equity line of 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 2019-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have never been late on my regular note. I send an extra XXXX a week, by check..to the address Chase stated and written on the check is " principal payment ''. I do this because it adds up to an entire payment going to principal a year. However, Chase continues to post to interest, I have to check each payment, take a screenshot of the posting and call them. They can take over a week to correct the posting but meanwhile I'm being charged interest on the principal total, so I believe basically that my extra principal payments are being eat up in interest because of Chase 's poor posting habits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: Western-Shamrock Corporation
State: TX

Complaint narrative:
I had a loan with Western Shamrock and the account has been paid and closed but it is still reporting to XXXX as open and not paid. I have tried disputing the information with the credit bureaus and reaching out to Western Shamrock but have not been able to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Home Loan Center, Inc.
State: MI

Complaint narrative:
XXXX  XXXX did a hard inquiry on my credit report that I did not authorize, they asked for my social security # and I refused to provide it. This all started with a simple inquiry on Lending Tree to see current rates to refinance. Since they did not have my full SS #, they must have used the last 4 digits that I was required to provide to Lending Tree to see rates. I have already contacted Lending Tree to let them know of my displeasure with them but they aren't the company that actually ran my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/2019, I.c. System inc reported a {$180.00} medical bill to XXXX claiming that I owe that debt. 
On XX/XX/2019, just a few days later, I.c. System inc reported the same amount again. 
On XX/XX/2019 and XX/XX/2019 I.c. System inc again reported the same {$180.00}. 
Now again on XX/XX/2019 and XX/XX/2019 I.c Systems Inc reported the same amount of {$180.00} yet again. 
They also reported the same debt to XXXX in XX/XX/2019 and XX/XX/2019 for the same {$180.00}. 
Upon speaking to I.c System inc they claimed that the debt was building interest and accumulating an amount because XXXX XXXX kept adding things to the bill. I informed them at that time that I do not own that debt nor do I know of them or the XXXX XXXX. I then requested for them to stop contacting me by phone or otherwise and to stop hitting my credit and to especially stop doing it multiple times. They have a robocall system that will contact you from different numbers. They are a complete and utter harassment. And what they are doing is illegal.

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 2019-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I trusted Navy Federal Credit Union ( NFCU ), therefore I submitted a modification packet as I was advised by the representative rather than getting assistance from an attorney. However, NFCU delayed representative received my packet on XX/XX/XXXX @ XXXX, and I received a letter from the attorney XXXX XXXX XXXX XXXX XXXX XXXX , XXXX on XX/XX/XXXX stating over $ 11k could be paid to reinstate my mortgage, however I have no savings and did not have the money, however no sale date had been set. Instead the sale date was set for XX/XX/XXXX, after my hardship packet had been received. While I waited on assistance from NFCU it appears they had no intentions on assisting me and were simply stalling me as time went by. Ms. XXXX claimed a letter was sent on XX/XX/XXXX, XXXX statements were needed, which I never received ; however packet was submitted at beginning of XXXX so I sent XXXX, XXXX, XXXX. Once informed what was needed I emailed documents within 2 hours. Ms. XXXX called me on XX/XX/XXXX, stating nothing could be done, my home would be sold XXXX XXXX, XXXX. I asked about Deed in Lieu, short sale, more time to move out. She gave me foreclosure attorney number. I called and spoke with Mr. XXXX, he stated NFCU would have to give them permission to delay the sale of my property, so I could have more time. So I called and Ms. XXXX is suppose to call me back. I have requested assistance with no success, NFCU has collected money from me for 12 years for a mortgage that started out at $ XXXX, now I owe $ XXXX, so NFCU will come out a winner, by auctioning off my home. This is wrong, I have served my country and worked for the government all my life, only to be denied benefits I deserve. XXXX amongst veterans is not high merely because of XXXX, it is because of the injustice we are forced to endure after begging this country for assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: FL

Complaint narrative:
I'm writtining You to dispute old accounts on my credit report. 
By law, credit bureaus are only allowed to list negative items for a certain amount of time. For most negative information, the time limit is only seven years ( or seven years + 180 days for a charge-off ).

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 2019-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was sent a check to deposit and cash through my checking account at Wells Fargo Bank. The person I was cashing the check for stated that this woman made a purchase and owed him the money. But because he was out of the county he could not cash check. He said he had the owner of the check make it to me so I in turn could send the money to him. The check apparently was not sent by the owner of said account. This resulted in me being accused of fraud. At this time I am not allowed to open any checking accounts because of this. I got scammed. I even spoke to the owner of the check and told her what happened. She said she does not blame me. What action do I need to take to fix this problem?

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 2019-09-26 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: UT

Complaint narrative:
Equifax is double reporting an account on my credit report. XXXX # XXXX and XXXX XXXX XXXX # XXXX are the same account with a different account number. Equifax is the only bureau that is double reporting this debt illegally. I need this removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME ; I HAD NO KNOWLEDGE OF THIS ACCOUNT THAT APPEARED ON MY CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNT REMOVED OFF MY CREDIT FILE. BECAUSE OF THIS NEGATIVE MARK, IT IS NOW HARD TO APPLY FOR NEW CREDIT. SO PLEASE HAVE THIS DEROGATORY REMOVE.

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