vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I contacted Lowe 's through Syncrony bank which finances Lowe 's credit. I told the collector during the last week of XXXX that I would pay {$100.00} on the XXXX of XXXX. He wanted me to submit a phone check in that amount and I told him I would be paying through my bank 's bill pay on the XXXX in the amount of {$100.00}. So he said, so you are refusing to make payment arrangements. I stated I am giving you payment arrangements in the amount of {$100.00} on the XXXX, I am not doing a phone payment. He said, " We have your account number. '' I let him know I was aware of that but he was not to use it. On the XXXX of XXXX Lowe's/Syncrony debited my account for {$100.00}, overdrafting my account. My bank declined the charge. During the second week of XXXX I attempted to pay my payment via Lowe 's website. On the website they showed a minimum payment of {$230.00} and regardless of what I did on the website it showed that I was making a payment of that amount, which I can not afford. Lowe 's debited that amount from my account, the bank will not decline or reverse it and calling Lowe 's I can not speak to a live person. I had XXXX  in XXXX and XXXX and XXXX on XX/XX/XXXX. I am behind in my bills and trying to make arrangements. How is it legal to take money out of my account without my consent?

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 2020-12-23 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
On XXXX XXXX, 2020, CAINE & WEINER add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have reachead out to Equifax about inaccurate information. Like 2 INQUIRIES from same source XXXX XXXX XXXX XXXX. No permissible purpose, i have sent my license, social, and a bill recently.a affidavit and i have fraud alert. And a police report on file. Subjected exposed to fraud. Due to Equifax breach in the past. Other sources Etc. Please investigate unauthorised inquiries. Verify and validate this please and feel free to send me a updated copy to reflect changes. Fcra states all information have to be accurate. Fdcpa states that i need address and phone number of furnisher displayed on my report. Therefore i can contact them. There no such information as of today. This has been deleted of off XXXX  and XXXX  as fraud. Look forward to hearing from you promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Was called by Cemenity Bank. They new my name and phone number. The debit was for a relative. I would have been OK with it however the collector was rude and belittling. He asked him so stop calling my number I said I was on the government do not call list. He said I was XXXX. I asked him repeatedly to stop calling my number. Finally I had to repeatedly telling to stop calling my number I ordered to get him of the phone. 
Here is the number they gave me to call back and the extension # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc.
State: AZ

Complaint narrative:
I have tried to contact my mortgage company over 30 times in order to get copies of closing documents. I am trying to refinance through another company and my current company has not provided me with the documents that I need for 21 days now. I have tried every avenue to get this information to no avail. I dont know if there are rules in place about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Upon renewal of my Citi Thank You Rewards card, I decided to close the account so as to not pay the renewal fee. This was in XX/XX/2020. I was advised I had 60 days to redeem my points, which were over XXXX ( over {$500.00} ). 

When a few days later I attempted to sign in on line to my account, my password and sign in information did not go through ; they were invalid. 

After numerous efforts to sign in, I attempted to get through to Citi Thank You rewards customer service, but the Covid epidemic had already kicked in and Citi 's ( XXXX ) number was experiencing excessive wait times. Citi, on its Web Site, advised customer 's to not call the ( XXXX ) number, but rather go on-line. Of course, this was impossible as my password was inactive. I attempted to call over 16 times but was not able to hold on due to the long wait times. When I finally was able to hold on for over one hour and get through some weeks later, I was advised my points were lost, due to a ( not disclosed ) time limit on redeeming the points after closing my account. I explained the circumstances ( password, Covid, excessive telephone wait times, etc. ) but Citi refused to credit the lost points, despite my having done everything in my power to use them. I have subsequently written XXXX very detailed letters to Citi but received only form letters in return that addressed none of the questions I raised. I spent several hours writing the letters, sending them, as well as calling Citi on the phone, waiting on hold, etc. 


The forfeiture and the surrounding circumstances appear a violation of their Customer Agreement as provided, as well as a denial that the jammed phone lines prevented servicing customers in a timely manner. 

I am requesting my points be returned to my account, or a cash refund for the equivalent value be refunded to me. Citi 's unilateral action was unreasonable and not in accordance with provided terms.

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 2020-12-23 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express closed my account ending in XXXX on XX/XX/2020 and sold the account balance associated with XXXX to XXXX and XXXX on XX/XX/2020 and yet they have reported my account as delinquent for 90 days. They are reporting inaccurate information to my credit bureaus which is in violation of the Fair Credit Reporting Act, and this has negatively impacted my credit as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANDY SPRING BANCORP, INC.
State: VA

Complaint narrative:
I was directly contacted via phone to open an account and to visit a local branch office in XXXX located in XXXX XXXX in XXXX, va. When the account representative said that I will only stop by to sign the paperwork, however when I went the branch manager refused to open the account for me stating that I was in the XXXX XXXX when the rep on the phone said that I am not since all my accounts are paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My child support payments were all paid and should have reflected paid in full with Experian but Experian failed to do an investigation, they did not update the status.

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 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
I have student loans that are in XXXX at $ XXXX monthly payment. I was in a XXXX  program and became XXXX  ill where I had completed the program except my XXXX. I had to withdraw from school for four years and all loans were XXXX with $ XXXX  monthly payment ; however, I wanted to complete my XXXX so I re-enrolled in school in 2018 in order to complete the XXXX. The problem I am facing with this mortgage company and other mortgage companies is that the student loan statement does not designate XXXX only state that I am in deferment where the mortgage company states that the 1 % rule must apply to the loans even though they are XXXX and are designated as inschool deferment. Even though these loans are on inschool deferment, the Cares Act also offers deferment in which this company is not familiar with. This confusing law is preventing homeownership for consumers with good credit and ability to pay monthly mortgage payments that are less than rentals. My home loan application is not being fairly evaluated with this company. First, the problem was that a combined total amount on the credit report is reading as a separate loan -- not true. Then the problem was the student loans on the statement with {$0.00} payments are not designated as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Syncapay, Inc
State: MA

Complaint narrative:
I have the first card with them on XX/XX/2020. Despite they said that this card can be used anywhere Visa is accepted, I couldn't use it in XXXX and XXXX even those two companies accept Visa just fine. When I attempted to use it, the purchases were rejected with this error " Merchant not in Network or No Purse Exists ''. I also tried to contact them to explain this error but the company never responded. 

A few weeks later, I combined a few tokens to form a card with {$670.00} worth of balance. I was only given 6 months expiration date instead of typical 12 months duration like the other card that I have before.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KS

Complaint narrative:
lien release from MERS in 2005, also part of XXXX mortgages put in document in 2005 that XXXX XXXX XXXX XXXX XXXX states it is the trustee, have received several payments from XX/XX/XXXX lawsuits, local attorneys used robotsigned documents, that have been made permanent record in county record

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
During The coronavirus pandemic there was a n agreement to have my mortgage statement and credit card be on deferment. My credit card was establish to not report. I have had the credit card for seven years I have never been late. There was a late was reported. Its inaccurate, I tried to get it removed and they are refusing to do so .... my mortgage statement was placed but not my credit card. I have since signed for auto pay and take my inaccurate reporting serious. They have also removed late payments in the past for other clients, this is unfair.

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 2020-12-23 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, SYNCB/AMAZON, on XXXX XXXX, 2020, XXXX and on XXXX XXXX, 2020, SYNCB/VERIZON add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NC

Complaint narrative:
We received a property tax delinquent notice from the county in XX/XX/XXXX, warning us that our property tax for XXXX has not been paid, and fined us {$340.00} as penalty. We called The Money Source , the mortgage servicer, right away. They told us because they just started to service the mortgage in XXXX and the loan was not set up correctly in their system, they missed the property tax payment. They paid the property tax a few days later, but they used our escrow account to pay for the {$340.00} penalty. We called in to them that it is not right because we had never missed our mortgage payments and it was their fault to miss the payment. But they refused to refund us the money. 

During the process, we found out their system is a mess. We asked for an escrow analysis because every time, the person on the phone would tell us something different. It took them about 3 months to provide an analysis without many details. We questioned about the initial balance and where the escrow payments we made at loan closing went. They could not answer the question and instead instructed us to call the title insurance company. We called the title insurance company. The title insurance company thinks it was the most ridiculous thing they had ever heard. They had no idea where the money was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I ordered an advent calendar from the company XXXX for {$43.00} on XXXX, 2020 using PayPal , Transaction XXXX. I have not received the advent calendar and the several attempts to contact the vendor is responded with an obviously bogus tracking number. I had requested my money back and they list a money back gaurantee on there site. The reviews for this company all list the same experience and it is very apparent that it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove these items immediately, we are approaching 60 days. I have pointed out and showed proof of this inaccurate information and there is nothing being done. I would like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me. My information was also compromised by the Equifax data breach which has also have me worried and stressed out that someone has had access to my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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:
There are currently numerous accounts, addresses and names listed on my report that are a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: CA

Complaint narrative:
The COLLECTION ACCOUNT is not mine. The account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold this account to this collection agency that is now reporting this debt.

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 2020-12-23 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: CA

Complaint narrative:
The COLLECTION ACCOUNT is not mine. The account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold this account to this collection agency that is now reporting this debt.

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 2020-12-23 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: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TX

Complaint narrative:
This Loan was an installment loan for home improvement This company is reporting it as a mortgage. They will not return my phone calls or emails. There is only one lady that handles my account. Her name is XXXX she has treated me like I am garbage. She wont respond to my emails or my phones calls. All I need is clarity on what type of loan this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently noticed that I could not access my account saving account. When I called Chase Bank they notified me that my account had been closed. I had only deposited a few checks and had no withdrawals on the account. It was closed within 15 days of opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX, on XX/XX/2020, XXXX-XXXX and on XXXX XXXX XXXX, XXXX  add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation