vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: NC

Complaint narrative:
My loan was transferred to a new company ( Mid America Mortgage ) last XXXX and Payments that I had already made to the previous loan servicer for XXXX and XXXX ( XXXX  ) were taken out of my bank account, but not applied to my mortgage. Since then, the new company is stating that I am delinquent on my account and will not allow me to make on-line payments or take a payment over the phone, however payments I have mailed for XXXX and XXXX have not been cashed. They are stating it's my responsibility to provide that I have paid them before they will " move any farther '' on my account. I have provided bank statements for XXXX and XXXX showing the payments taken out of my bank account, but there is no way to " prove '' that I sent the XXXX and XXXX payments other than copy of my check register. 

I have tried to call them multiple times over the past two months, but wait on hold for excess of 2 hours being told I am " 10th in que '' ( for two hours ) or " next in que '' for over an hour, then the call is disconnected. When I select the " schedule a call back, and you will not lose your place in line '' option, no one ever calls back. 

A representative from the company called me today to tell me I was four months behind on payment, and when I offered to pay it all on the phone, he said he " could not do that until this is resolved. '' When I offered that paying it would " resolve it, '' he stated he could not do that, and I needed to email them " proof '' that I have made my payments. 

I am concerned that this will eventually lead to them trying to foreclose on my home, despite me trying multiple ways to pay my monthly mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: KY

Complaint narrative:
I opened a XXXX  XXXX credit card around XX/XX/XXXX and used my card until XX/XX/XXXX when I reported it stolen and fraudulent charges. XXXX XXXX agreed to close my card and they did. However they continue to report late payments to the credit bureaus even after I filed and sent them and the credit bureaus a police report. To this date the account was closed in XX/XX/XXXX, however every month since XX/XX/XXXX XXXX XXXX has reported late payments but have told me Im not liable. Every month the balance increases by nearly {$200.00}. I would like XXXX XXXX to report that the balance has been paid in full as they stated previously. XXXX XXXX XXXX Social is XXXX I do not have the card number so I listed my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I opened a union bank checking account in XXXX. I do enrolled a promotion XXXX dollar if i make 3 bill payment in 60 days. When I opened the account. I confirmed my promotion code attached my account with banker. They double checked said yes to me. So I made 3 bill payment in XXXX which is in 60 days. I wait for the bonus still not get pay from bank at XXXX. I called their customer service. They said I have to wait for 120 days to get bonus. So I called today XXXX. They changed the story said they didn't see my offer. I have to go back the branch to see what happend. Now I felt they treated customer like a football. They tried to find a excuse to refuse the bonus. I think they promised it. They should honor it.

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 2020-01-30 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: FL

Complaint narrative:
Dear CFPB Staff, Experian has allowed the following Fraudulent account to reappear on my Consumer Credit Report : Derogatory Mark : XXXX XXXX XXXX XXXX

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 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Consumer Services on XX/XX/19 -XX/XX/19 XX/XX/19 shows and I have not applied or requested any services from Experian Consumer Services. I need Experian TO STOP I OPT OUT OF ALL Promotion products and services. I have not requested and need Experian to stop with there services I have not applied for.

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 2020-01-30 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: PA

Complaint narrative:
XXXX XXXX continues to furnish late payments on credit report. Client requested late payment to be placed of end of the loan, due to financial Hardship.

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 2020-01-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX continues to furnish late payments on credit report. Client requested late payment to be placed of end of the loan, due to financial Hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX continues to furnish late payments on credit report. Client requested late payment to be placed of end of the loan, due to financial Hardship.

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 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The bank of America closed down my credit card by receiving a miscommnication received by XXXX  and other credit unions. 

credit card : XXXX I am here to certify this credit card account was mine and I had already sent y ID proof and the Letter to bank of america and thinking issue will be sorted down. 

But later bank of america says that they cant open the account bank because it was closed down for invalid reasons. 

No bank of america lowered my credit score from XXXX to XXXX from XX/XX/XXXX  and now by closing this credit account they took back all my credit history. 

I request bank of america to reopen my account as it a valid account and i had been using this card account from XX/XX/2017

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 2020-01-30 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had a car loan with TD Bank that was paid in full in 2010. TD Bank has the car loan listed as a Credit Card which I did NOT ever have with them. I have only had a car loan which was paid in full and closed in 2010. This is a closed account that has been paid in full continues to pop up and is renewed on my credit report. It needs to be gone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been a loyal customer of American Express for about 5 years. I applied and got approved for a Delta SkyMiles Platinum Credit Card from American Express on XX/XX/2020 ( reference # : XXXX ). When I applied for the card, the welcome offer was getting XXXX Delta miles after XXXX USD purchase, but within 2 days ( XX/XX/2020 ) I saw that the welcome offer was increased to XXXX Delta miles with the same spending requirement ( XXXX USD ).  I called American Express several times to match my welcome offer given that the change was made only within 2 days. However, they refused to do so. Other credit card companies such as XXXX XXXX XXXX have a 30-day offer match policy, but American Express here is being totally unreasonable. One of the customer service member from American Express was very rude and unhelpful, but a supervisor suggested that I make a complaint to CFPB to see if a higher-level office from American Express could do something about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AR

Complaint narrative:
My complaint is with Specialized Loan Servicing, LLC. ( The  original loan was with XXXX in 2006. It was sold to XXXX XXXX and then to SLS. ) Since XXXX, 2006, we have made payments of {$610.00} per month, for a total of {$91000.00}. Of that, approximately {$17000.00} has gone on the principal and approximately {$74000.00} has gone on interest. There is an adjustable rate, but it has essentially remained at 10 %. The current outstanding balance is {$60000.00}. 

I recently contacted SLS about paying off the mortgage early for a reduced amount. It's a 30 yr mtge, so I still have about 16 yrs to go. Since I have already paid more on interest than I actually borrowed, it seems reasonable that they could reduce the payoff amount to {$30000.00} or {$40000.00}. SLS, however, does not see it that way! I apparently did not understand that this was set up in such a way that would involve paying back more than THREE TIMES what I actually borrowed! That is totally unfair and unethical. Please tell me this can be resolved in my favor. Thank you for your time.

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 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian makes it nearly impossible to unfreeze my credit report. They have no way to contact a human, the online system rejects my information despite my already having dealt with them and receiving a PIN. There is no way to find out why this is happening. They want me to mail in via regular postal mail a copy of my government ID, my Social Security Card, utility bills, and the like, and then wait several days or more to unfreeze my credit ( which was frozen with them online in the first place ). The other two credit bureaus have no such onerous rules.

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 2020-01-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to report that my rights are not being respected. I tried to solve this issue with JP Morgan Chase bank in the past but they did not listen to my request. This company is reporting a fraud related account. This is a violation under the FCRA. 

Back on XX/XX/XXXX, I sent them a letter specifying the account details and requesting this item to be removed. They keep on reporting this fraud account, they did not even investigate or mark the account as disputed, These are seriuos violations under the FCRA. 

I am giving Chase the oportunity to solve this through the cfpb portal. Again, this account is related to fraud. THIS ITEM MUST BE REMOVED. I am demanding Chase to stop reporting this account and A DELETION LETTER SENT TO THE CREDIT BUREAU AGENCIES AND TO ME FOR MY RECORDS. If they fail to remove this fraud related account, I WILL FILE SUIT. 

Account is the folowing : 1. JPMCB CARD. Account # XXXX. Date Opened XX/XX/2008. Status : Closed. 

Thanks to whomever reads my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX produced a fraudulent ex parte probate order with a fraudulent signature from a criminal court judge to the bank in order to steal XXXX left to my brother and i in a pay on death account. XXXX works for XXXX, XXXX, XXXX XXXX XXXX in XXXX, ca In 2005 XXXX was suspended by the california bar assosiation for the same pattern of theft

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 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I applied for a credit card anyways rejected because I was unable to get Experian to lift my credit freeze.

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 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian XX/XX/XXXX has on my credit report after opt out on XX/XX/XXXX for no reason and all these promotions in XXXX after opt out. Experian also keeps selling or having companies sending me offers after opt out and does not stop. I have also filed on Experian with the US Attorney office about this situation on 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 2020-01-30 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: NY

Complaint narrative:
PLEASE REMOVE THE DISPUTED ACCOUNT AND INQUIRIES OF FMY CREDIT REPORT FOR THEY HAVE BEEN CAUSING SEVERE DAMAGE TO MY CREDIT. THE ACCOUNT DISPUTED WAS NOT AUTHORIZED BY ME. PLEASE HAVE IT OF FMY 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 2020-01-30 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: NY

Complaint narrative:
PLEASE REMOVE THE DISPUTED ACCOUNT AND INQUIRIES OF FMY CREDIT REPORT FOR THEY HAVE BEEN CAUSING SEVERE DAMAGE TO MY CREDIT. THE ACCOUNT DISPUTED WAS NOT AUTHORIZED BY ME. PLEASE HAVE IT OF FMY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-01-30 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: GA

Complaint narrative:
I received notifications that several inquiries were reported to my credit file that i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Santander Consumer USA stated I am not in there system and they are not sure why I CONTACTED THEM SINCE THE DEBT IS SOLD. THIS NEEDS TO BE REMOVED FROM MY CREDIT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Collection Agency " Credit Systems International '' ( https : //www.creditsystemsintl.com/ ) called my cell phone ( week of  XX/XX/XXXX ) trying to collect a medical debt, without any prior written notification. Collector would only state the amount owed. Collector had no knowledge of the date of service, service performed, my patient account number, and had an incorrect address stated for my home address. Collector told me that they had just received the referral and they were attempting to collect a debt under my name. In turn they stated it was my responsibility to contact " XXXX XXXX XXXX '' in XXXX, TX that was where their referral come from. The collector did not have " XXXX XXXX XXXX  '' address, phone number, or a contact person. The collector just said, " you can XXXX '' and get that information since you did not pay your bill. 

" Credit Systems International '' only had my name and the amount owed, but absolutely no other information. But I was fortunate enough to be assigned an collection account number : XXXX. 

After multiple attempts, I located " XXXX XXXX XXXX '' supposedly an outsource for XXXX Hospital in XXXX, TX. The charges were from a XX/XX/XXXX hospital stay, that I have never received a billing notice for, because of an incorrect address. " XXXX XXXX XXXX '' were billing on behalf of Dr. XXXX of XXXX Hospital, XXXX, TX. The billing clerk admitted that they had an incorrect address, but had a correct phone number ; she stated they never tried to contact me direct and sent the bill to a collection agency ; " Credit Systems International ''. 

In turn since I was never billed correctly, and the calendar year has changed to XX/XX/XXXX ; I am unable to access funds from my health saving account to pay for a medical billing from XX/XX/XXXX. 

I have made arraignments to pay XXXX direct. But the collection agent has a partial profile/file on my billing and is still trying to collect this debt without proper knowledge of the billing situation.

Company response to consumer: Closed with explanation