vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-06 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX  gives this advice as steps everyone can take to help improve their credit score. Bring any past due accounts current. Pay off any collections, charge-offs, or public record items such as tax liens and judgments. Reduce balances on revolving accounts. Apply for credit only when necessary. 
I followed this advice when I paid the entire account. Sheffield Financial Corp who wrongly charged me with two late payments XX/XX/2015 & XX/XX/2015. You will notice from the attached documents that this is an inaccuracy Sheffield Financial Corp has to fix.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In XXXX of 2020 I opened a checking account with Bank of America using a promotion code they sent to me via the U.S.P.S. The offer code was XXXX and stipulated that a bonus of {$300.00} would bee paid within 60 days of meeting the terms. The terms were to setup and receive direct deposits totaling {$4000.00} within 90 days. Those terms were met on XX/XX/2020. After not receiving the {$300.00} bonus after 60 days had passed I contacted Bank of America Customer Service on XX/XX/2020 and was told that sometimes it takes longer than advertised, theyd mark a note to the incentives department and to contact back in a few weeks if it had not been paid. After another month I again contacted Bank Of America Customer Service on XX/XX/2020 and spoke with an XXXX. XXXX informed me that the nothing was sent to the incentives department after the first call and that he would make sure it was done this time and it would take 30 working days for resolution. I repeatedly asked for a case number, follow-up contact, and whether I would get any email correspondence regarding the matter. No case was provided but I was told I would receive an email. Ive not received an email as of today XX/XX/2020 so I have little faith that Bank of America is handling this breach of the terms they advertised for opening a new account. 

Please assist with resolving this issue and preventing this financial institution from committing fraud against other customers.

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 2020-12-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX XXXX I noticed an unauthorized XXXX transaction was deducted from my checking account in the amount of {$1400.00}. I immediately notified my bank at which point they closed the checking account and proceeded to open a new one for me. The following day I noticed {$23000.00} wired out of my savings account. I once again contacted my bank and they closed all of my remaining accounts and advised me to contact their fraud division on Monday. After speaking with the bank on Saturday, I immediately went to the police station and filed a police report. Further review of my account indicated that a phone number of XXXX was added as my main point of contact although I did not add this number and do not recognize it. The wire transfer had been sent to a company called XXXX XXXX  XXXX in XXXX XXXX even though I am not in contact with anyone from that city and do not know this company. While the bank did refund me on the {$1400.00} transaction they are denying my claim for the {$23000.00}, claiming that the transaction had been done by the device I regularly use for banking. I have been a customer with my bank for 28 years and have never had any problems with the law, had any charges against me or acted unlawfully in any way. I would not try to carry out an illegal scheme to defraud my bank for personal gain. Per my bank 's request I have even taken my computer at my own expense to have tested for any traces of a hacker. While 3 of the places I contacted told me they would not be able to identify if my computer had been hacked but could only clean my computer from any spyware that it might have been infected with, the 4th one said they might be able to do so although after working on my computer and charging me for it he was ultimately unable to do so.

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 2020-12-06 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: AES/PHEAA
State: CA

Complaint narrative:
I have been out of school for 10 years and paid off my student loan balance in XX/XX/2020. All of my student loans have been serviced by Fedloan Servicing. All 3 credit agencies ( XXXX, XXXX, and XXXX  ) show over 40 student loan accounts ( some of them from my XXXX degree which were paid off over 15 years ago ) which adversely impact my credit score. I am trying to buy a home and this is negatively impacting me. Many of the " accounts '' are loans with the same date. They won't fix this, and I submitted complaints with all 3 credit agencies. Their interface times out after 5 mins so it's impossible to go line by line to ask them to fix this issue. I have a XXXX balance and neither party thinks its their job to do anything. Fedloan Servicing, whom I called weeks ago, tells me to contact the credit agency, and the credit agencies tell me to contact the servicer to have the loan removed. Now I am stuck in the middle. This is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have received a letter from chase bank yesterday saturday XX/XX/XXXX with a debit card with my name on it with someone had opened a checking account with my name and address that I didnt open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On Friday, XXXX I tried to use my Amazon Store Card with Synchrony Bank, and it was declined. Shocked as I have excellent credit I called Saturday, XXXX and was told the credit card was closed. From there every single one of my credit cards with Synchrony Bank were closed. When I spoke to the customer service representative I was told I was " high risk ''. I have perfect credit, I've never been late on a payment and do not have high utilization. Each representative I spoke to for each card would not help me and told me to reapply. This is going to drastically affect my credit score taking away close to {$30000.00} of open credit. I have worked many years to get my credit where it is, and can not understand why this company would do this. Just last month they gave me a credit limit increase on my Lowe 's card by {$3000.00} and another limit increase on my Amazon card by {$2000.00} and closed them a month later. If I was high risk why increase my credit limit? What a terrible time to do this at XXXX not that anytime is good. I have been reading horrible reviews about Synchrony Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
I see multiple 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XXXX XXXX I called Capitol One Auto finance. I asked them about the extra money I send monthly to be applied to the principal, so I can pay down the loan. I was told the extra money is applied to my next months payment to reduce the cost of the payment. 
I told him I clearly requested that they put the extra money on principal. I had no knowledge that they operated this way. They did without my knowledge or permission. I think this is dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express sued Defendant XXXX XXXX XXXX XXXX through their counsel : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX File # : XXXX Defendant XXXX XXXX XXXX XXXX made contact with XXXX XXXX XXXX XXXX on Wednesday XX/XX/XXXX. The reason for me making contact was because even with the " Stipulation Agreement '' being satisfied as of XX/XX/XXXX, the docket with the court has yet to be closed. Interestingly enough, American Express 's legal counsel claimed over the phone that I still owed a balance even though the Stipulation Agreement ( to which I have a copy ) has been fulfilled. Respectfully, I demand the docket be closed at once, and any inaccurate reports that are currently with the credit bureaus need to be wiped clean of any debt with respect to this American Express account. 

The stipulation hereby states on part 7 : " Upon payment in full of the amount required under this Stipulation, Plaintiff or Plaintiff 's counsel will mark the above-captioned matter 'settled, discontinued and ended. ' " A payment in the amount of {$85.00} was sent to XXXX XXXX XXXX on XX/XX/XXXX through my Debt Relief solution. The stipulation agreed to settle the account with a total payment amount of {$1000.00}. This total amount was spanned out to be paid in increments monthly beginning in XX/XX/XXXX. The first 4 payments were to be {$55.00}. These were all honored. The next 7 payments were to be {$100.00}. These were all honored. The last payment was to be {$85.00}. This was honored. At the present time, it has been several weeks since this has been fulfilled. I have yet to see a closed docket through the XXXX XXXX 's online database, which is not only concerning, but egregious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Merchants and Medical Credit Corporation, Inc.
State: FL

Complaint narrative:
Sold to third party to collect a charge off account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Yamaha Motor Finance Corporation USA
State: MO

Complaint narrative:
This complaint is against Yamaha Motor Finance Corporation USA, XXXX  ID XXXX. 

This company is simply fraudulent. Their 1 star rating and lack of accreditation on the XXXX  website is a testament to that. This is the third time they have randomly tried to assess fraudulent fees for no reason. We have been set up on auto-pay for 8 years, and the amount due is always processed on the due date. In this instance, I have a statement for {$340.00} due on XX/XX/XXXX, and I have a digital copy of the bank payment of {$340.00} on XX/XX/XXXX. Yet, I received an email today, XXXX, stating my payment was overdue. I called and the fraud began immediately. The representative first told me we only paid {$300.00}, but owed {$340.00}. When I told him I'm looking at the digital receipt of my payment for {$340.00} as well as my statement showing the exact same amount due, he immediately changed his story, and said, " Oh, yes, you paid {$340.00}, but you owe {$380.00}. '' After requesting to speak to manager, I was put on hold 3 different times, and it was clear, they were willing to waste as much of my time as it took for me to give up. It's fraud, plan and simple. I've reached out to the XXXX  previously, but this has become extremely burdensome, which is why we are taking this additional action at this time. My wife and I have worked diligently to build credit scores over XXXX, and I will not tolerate fraudulent attempts to undermine that. Any assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
I'm trying to get proof from my bank that thay paid the school taxes I called up my local tax office on XX/XX/XXXX to ask them if its paid in thay told me no, So I paid it from my bank account than I'm calling up my bank from my mortgage to ask them way isn't it paid im paying in every month for the escrow so they told me they sent out a check so im calling back the tax office ask them if they get the check so they told me they get it on XX/XX/XXXX in they sent it back to the bank Now im trying to get back the money from the bank and thay not answering me So please can you help me with that

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/20 My Amazon.com Store card was closed by the the guarantor Synchrony Bank. I called them to ask why and they said because I paid off the card too many times that month. I explained to them that they had capped my credit limit at XXXX and during holiday season that doesn't cover it, so i pay off from my bank as I approach the limit. They said too bad. Even though this should make me a better merchant. 
I had {$840.00} worth of Amazon credits from purchases I made and was rewarded these credit/points for. They automatically cancel all credits when they close the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been out of school for 10 years and paid off my student loan balance in XX/XX/2020. All of my student loans have been serviced by XXXX XXXX. All 3 credit agencies ( TransUnion, XXXX, and XXXX  ) show over 40 student loan accounts ( some of them from my XXXX degree which were paid off over 15 years ago ) which adversely impact my credit score. I am trying to buy a home and this is negatively impacting me. Many of the " accounts '' are loans with the same date. They won't fix this, and I submitted complaints with all XXXX credit agencies. Their interface times out after 5 mins so it's impossible to go line by line to ask them to fix this issue. I have a XXXX balance and neither party thinks its their job to do anything. XXXX XXXX, whom I called weeks ago, tells me to contact the credit agency, and the credit agencies tell me to contact the servicer to have the loan removed. Now I am stuck in the middle. This is outrageous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been out of school for 10 years and paid off my student loan balance in XX/XX/2020. All of my student loans have been serviced by XXXX XXXX. All 3 credit agencies ( XXXX, XXXX, and Equifax ) show over 40 student loan accounts ( some of them from my XXXX degree which were paid off over 15 years ago ) which adversely impact my credit score. I am trying to buy a home and this is negatively impacting me. Many of the " accounts '' are loans with the same date. They won't fix this, and I submitted complaints with all 3 credit agencies. Their interface times out after 5 mins so it's impossible to go line by line to ask them to fix this issue. I have a XXXX balance and neither party thinks its their job to do anything. XXXX XXXX, whom I called weeks ago, tells me to contact the credit agency, and the credit agencies tell me to contact the servicer to have the loan removed. Now I am stuck in the middle. This is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I have question ( s ) about my current mortgage and fee ( s ) that appear on my statement ( s ) that were not present in the original mortgage. First is concerning a HOA/Inspection fee. My address has never been included in an HOA and I am unaware of what these fees ( {$15.00} + {$1.00} ) actually represent.

In addition, the mortgage was permanently modified by XXXX in XXXX, as such ... any changes in my mortgage should have been made available to me at the time the mortgage changed hands from XXXX  XXXX XXXX to Rushmore servicing. The final statement from the previous servicer/lender ( XXXX  XXXX XXXX ) dated XX/XX/XXXX reflects the actual regular mortgage amount of {$480.00} cents. The initial welcome letter from XXXX shows that regular mortgage payment pegged at {$540.00} dated XX/XX/XXXX ... a {$65.00} monthly overcharge that Rushmore Loan Management had a duty to know was happening after I mentioned it to XXXX XXXX, Asset Resolution Specialist who was assigned to my mortgage at that time. I notified XXXX XXXX during the initial transfer from XXXX XXXX XXXX to Rushmore Loan Management Services. 

XXXX XXXX Asset Resolution Specialist, NMLS : XXXX Rushmore Loan Management Services LLC XXXX direct | XXXX fax | XXXX toll-free | fax machine Finally, there is the matter of the escrow account balance. I have included ( attached documents ) of the Escrow Statements that reflect overpayments in XXXX and XXXX of over {$680.00} and {$630.00} respectively. As this is an open Chapter XXXX I did not know if those amounts could be either refunded to me ( or to the trustee ) as the statement suggests, or could be deducted from the principal balance of the overall mortgage. As of today, XX/XX/XXXX ... those funds have not been made available. My question : Since my taxes and escrow were under {$2000.00} combined, Under the Real Estate Settlement Procedures Act Rushmore is allowed a " cushion '' of withholding about {$330.00} ... They ( Rushmore LMS have withheld double tthe 1/16th cushion allowed by RESPA. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION
State: NJ

Complaint narrative:
hi, my name is XXXX XXXX and wanted to know if I have graduate degrees and partially paid out of pocket for and decide to go back to school would I qualify for student loans? 
I have passed the XXXX  excess amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
My credit card with NC State Employees Credit Union expired on XX/XX/XXXX. I did not receive a replacement card in the mail so I have been attempting to get a replacement card on three separate occasions but to no avail. 
In XX/XX/XXXX, I went in person to a branch in XXXX NC and inquired about my replacement card. I was told I would receive a new card in 1-2 weeks. 
In XX/XX/XXXX, I asked a teller at drive thru about getting a replacement card during a visit to make a deposit. I was again told, the teller checked it and I should receive a new card in 1-2 weeks. 
In XX/XX/XXXX, I went online to the NCSECU Website to request a replacement card and the Website response was I should receive a replacement in 1-2 weeks. 

I have also verified my account has the correct mailing address. 

At no time was I informed I will not receive a replacement card or received any notification of account closure or cancellation of my credit card. My account is paid in full with a XXXX  balance. 

The SECU is denying me access to credit in which they have approved. At no time have they notified me or issued any disclosures that they were closing or cancelling my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have filed a dispute in regards to inaccurate information reporting on my credit report. It has been well over 60 days and I haven't received any investigation results. I have accounts that are reporting inaccurate on my credit report. There are accounts that I will list that says I have missed payments when I have always paid as agreed. Also my information has been exposed In the XXXX  data breach and I need the accounts that have been opened due to my information being exposed deleted. This is a violation of the FCRA and they have to be reported correctly.

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