vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/2018 XXXX  took money off two of my cards. I contacted them multiple times about this to dispute it. They disputed it and gave me my funds back twice which was an error on their end. However, they added the funds back to my balance with interest fees. Ive contacted them to do something about it and asked to speak with a supervisor and Ive got nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: IL

Complaint narrative:
There is a transaction that I'd like to dispute on my US Bank credit card but the web form is not working on their website. 

The transaction is : XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX Ca totaling {$1900.00} I have no knowledge of this transaction and I do not know what is it for. I have not received any merchandise or service from the merchant charging me.

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 2020-03-26 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: GA

Complaint narrative:
REMOVE FRAUD ALERT OFF EXPERIAN

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 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
They paid almost {$1700.00} our of our escrow and misapproriated the funds. They claim we are getting a refund from whoever they sent it to, and then want us to mail it to them even though we should be overpaid on our escrow. They had over {$2000.00} transferred from XXXX XXXX, our payment is $ XXXX+ and we've been paying {$1200.00} & {$1200.00} & {$1500.00}, so the difference is in our escrow and they should have only paid out {$700.00} plus {$3300.00} for taxes and insurance. Where is our money? Who is using 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 explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX I submitted a REGIONS complaint CFPB XXXX of NO RESOLVE ID THEFT FRAUD this is * Still OPEN * REGIONS NO RESPONSE. 1 )  Regions sent me to collections for ID THEFT FRAUD beginning XX/XX/XXXX. 2 ) Regions does Not resolve fraud. 3 ) Regions does not respond to complaints to CFPB. 4 ) Regions provided NO ACCESS OR XXXX XXXX OPTIONS FOR MY 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 2020-03-26 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: Advantage Credit, Inc.
State: CA

Complaint narrative:
I have been going through an identity theft situation it has impacted my credited report for some time and i have been trying to get this cleared up for months. there are several inquiries appearing that i have not been apart of. im not looking for any new credit so these inquiries are not fair

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
PLEASE DO NOT LIE AND CHEAT REPEATEDLY. PLEASE SUBMIT THE RESPONSE IN THE CFPB PORTAL. ( Attaching a recent utility bill for identity ). 
Account No : XXXX My name is XXXX XXXX. I live in XXXX XXXX XXXX XXXX , XXXX, OH XXXX. My home phone is XXXX. I am the one who launched this complaint in CFPB. I have been following up with Bank of America on this issue for a year now, but Bank of America had not responded. Bank of America closed the complaint without responding to my concerns in the CFPB portal. Please answer the following questions in the CFPB portal. Please do not cheat me. 

XX/XX/2018, the XXXX ( XXXX ) XXXX and XXXX XXXX entered my home, violently attacked my children, left a XXXX, and stole my sons XXXX XXXX. On XX/XX/2018, the XXXX and XXXX XXXX  told me twice that XXXX XXXX and XXXX ordered the attack. The attackers also said they have been monitoring my home for months. I have been paying promptly. I explained the XXXX retaliation situation many times, and I always said I would pay and asked for time. I also mentioned that the XXXX case is ongoing in EEOC. 

Sunday, XX/XX/2018, in-humanely XXXX XXXX and XXXX attacked my son, left a XXXX, and stole his XXXX XXXX. The next day, Monday morning, when my son went to school ; the school said that his XXXX XXXX license plate is cancelled. I dont know how Mr XXXX XXXX school knew about the license cancellation very quickly. 
I have invested over {$26000.00} in my sons XXXX XXXX. I have been following up with Bank of America since 2018 on this incident, but no response. I financed my sons XXXX XXXX through Bank of America ; does Bank of America have the policy to send XXXX and XXXX XXXX, take my sons XXXX XXXX without any notice, and violently attack my children? 

What happened to my {$26000.00} investment? 
Which policy allows Bank of America to send XXXX XXXX and XXXX to take my sons XXXX XXXX without any notice and attack him? 
Does Bank of America have the policy to monitor my family? 
I always said I would pay. I want my sons same XXXX XXXX ( XXXX ). I will pay the money. And I also want compensation for all the sufferings and losses we endured unjustly because of Bank of America 's violent act. 

Sincerely, 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 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
I'm a victim of fraud. A mortgage account was opened with my name on it but the mortgage loan isn't in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am eligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found a car loan on there that I have never applied for. This item is not mine. Please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
This complaint is related to a previous filed complaint XXXX regarding my student loan servicer American Education Services ( AES ). To summarize, I have been enrolled in the Income-Based Repayment ( IBR ) program since XXXX and due to an error in the annual recertification process in XXXX, all unpaid accrued interest on my student loans was capitalized in XX/XX/XXXX. The resolution of the previous complaint was a retroactive reversion of the capitalization of interest on my loans in XX/XX/XXXX. However, two months later in XX/XX/XXXX, I was notified that during a review of my account, it was discovered that there was interest that was not capitalized as expected and that your account has been adjusted and, as a result, there has been an increase to your account balance. Essentially, the interest capitalization that had been retroactively reversed had been re-applied to my account undoing the resolution of my previous complaint. I have since been in contact with AES on at least three occasions over the phone attempting to resolve this situation. The customer service representatives have acknowledged the issue and supposedly it is well documented in my account, yet well over two years time has passed and nothing has been done to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
During XXXX of this year I reviewed a copy of my credit report and noticed several fraudulent accounts reporting that were related directly to identity theft. I immediately reached out to my local authorities who advised I needed to submit an identity theft report to the credit bureaus. During this week of XXXX, I reached out to XXXX, XXXX, and Transunion to notify them of the situation via phone direct mail of the fraudulent accounts that were displaying on my credit file. Since, it has been over 30 days and yet have not received any correspondence from XXXX  in regards to my complaint. In addition with my identity theft report that was sent, I was sure to include a copy of my drivers license, social security card, and a utility bill in my name. I also included a list of the fraudulent addresses ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) as well as the accounts 1.  XXXX XXXX # XXXX, 2. XXXX XXXX # XXXX, 3.XXXX XXXX XXXX # XXXX, 4. XXXX XXXX  # XXXX, 5. XXXX XXXX # XXXX. Under the Fair Credit Reporting Act Transunion has not provided on accurate verification whatsoever. In fact Transunion has not even responding to my dispute therefore must remove the following fraudulent accounts with it being over 30 days as per the Fair Credit Reporting Act. In addition Transunion has Failed to block the fraudulent accounts as per section 605b. My consumer rights have and continue to be violated per sections 609 & 611 with Transunion not being able to provide any sufficient documentation obligating me to these accounts.

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 2020-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I previously filed a complaint against Transunion and XXXX   due to an account being on my credit report that did not belong to me. I have sent documentation time and time again proving that the account from XXXX did not belong to me. XXXX   and XXXX  have removed the following accounts, yet Transunion has NOT! This needs to be removed immediately as it is affecting my credit score, especially during this Coronavirus insanity. Thank you!

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 2020-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I previously filed a complaint against Transunion and XXXX   due to an account being on my credit report that did not belong to me. I have sent documentation time and time again proving that the account from XXXX did not belong to me. XXXX   and XXXX have removed the following accounts, yet Transunion has NOT! This needs to be removed immediately as it is affecting my credit score, especially during this Coronavirus insanity. Thank you!

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 2020-03-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI
State: MN

Complaint narrative:
I owe money to the university of XXXX. I was contacted by general revenue corporation in XXXX to collect on this debt. I didnt know I had the right to dispute it. I did ask for an itemized invoice of the debt and received one. We made a payment arrangement plan and I was told the longest I could extend the payments was 7 months which seemed weird to me. They told me originally it would need to be paid all at once, then in 3 months, until I kept saying I couldnt afford that and got it pushed back to 7 months with weekly payments of {$78.00}. I have been paying this debt since that phone call In mid XXXX. Now, due to the coronavurus, my hours have been cut at work and I can no longer afford the extra $ 300+ A month. I have contacted the company numerous times through calling the number they gave me, the number on their website, and submitting multiple inquiries online through their website. Their office is currently closed and I cant get a hold of anyone about this and Im terrified Im going to be in more debt and wont be able to afford my other necessary bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been going through an identity theft situation it has impacted my credited report for some time and i have been trying to get this cleared up for months. there are several inquiries appearing that i have not been apart of. im not looking for any new credit so these inquiries are not fair

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 2020-03-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ATTENTION : EXPERIAN DISPUTE DEPARTMENT To Whom It May Concern : I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. 
Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX/XXXX : XXXX The payment status is incorrect, please delete. 



XXXX XXXX : XXXX The account status is inaccurate, please delete. 



DEPT OF EDUCATION/XXXX : XXXX The terms reported are incorrect, please delete.

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 2020-03-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
We were first with XXXX XXXX, over 20 years. We fell behind due to my wife in a bad accident, and only 1 income coming in. My wife got better. XXXX  granted us a modification, putting everything on the back end. We were told we were up to date. We were never behind on our mortgage again. We were never told when our maturity date was reached we would have to pay the back end in full. 
The a few years later. XXXX  sold our loan to Fay Servicing. They did not tell us, we received a letter in the mail telling us so. 
And us not to send them anymore payments. We been with Fay Servicing about 6 years now. We were told by Fay Servicng XX/XX/XXXX our maturity date would be XX/XX/XXXX. So in XX/XX/XXXX I contacted Fay Servicng to see what we needed to do. They said would send a payoff package of paper work we needed to fill out and send back to them. We received those papers in XX/XX/XXXX. In those papers explaining to us to pay {$6600.00} by XXXX in Certified money or check for our last payment. I was confused. I called they explained it was the back payment from XXXX. And they would give an option to refinance or foreclosure. Which we refused, and said we have never been late, we are up to date. We just want to finish paying our payment to the end. 
The other option filling out Applications. 
They then send us another package called Applications XX/XX/XXXX saying they will let us know. I been calling them everyday. Now we are hit with this Coronavirus Pandemic. 
They told me today over the phone they denied us to continue to finish paying out our loan. We were up to date on our payment. Only other option we have is refinance or foreclosure. Or they said we can appeal. The appeal will be going back through Fay Servicing that's already made a unfair decision. We see our maturity date XX/XX/XXXX right around door. I said it do not seem as your mortgage company Fay Servicng is trying to help sound like you are trying to take advantage. 
This complaint is against the company of Fay Servicng. 
We feel they are trying to take advantage of us, and take our home away after we been paying on it all the years. 
Can you please help us XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Va. XXXX [ XXXX ] XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX Suntrust allowed me to open an checking account and deposit benefits from an insurance company payout. Two days later I tried checking my account and could not access it. Called customer service and was told my account would be closing. But my funds would be held until XX/XX/XXXX. I deposited {$25000.00}. There is a virus going around and I needed to maintain living without work. They allowed me to deposit and now are stating that my funds make take 15business days to be released. Why deposit my funds and then close the account instead of just declining business with me from the beginning? I feel this is unlawful and should be against the law. They earn interest on my money while I starve for almost a month or until whenever they feel like releasing my funds. I just lost my mom, I am an only child and have no help. I understand business but they wait times are RIDICULOUSLY unfair to consumers. They money has been paid out to the bank, so why cant they release the money to me IMMEDIATELY?

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 2020-03-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rubin Lublin, LLC
State: GA

Complaint narrative:
Affidavit of truth with a conditional acceptance was send to ask to prove the debt by producing the contract between the third parties XXXX XXXX XXXX and RUBIN LUBLIN and  no commercial affidavit was sent back for rebuttal. The companies have admitted to not being the lender, never giving credit or being a party to the Promissory note, or having a Security deed with Bilateral signatures to agreed to any debt. They have now threated to create a deed under power and all power of attorneys have been revoked, and no real assignment of mortgage has occurred. No gold or silver was given to be able to foreclose and identity theft has happened as I have no contract with either company to owe any debt. 
As a third party has no right to collect a debt without proof of the debt. The Original Promissory note which does not contain the names of the companies trying to foreclose has been deposited, cashed and then traded as a book-entry security pooled and then sold as a package to investors. They do not have the original note with wet ink signature and no valid claim of debt without a bilateral or any oral contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: AR

Complaint narrative:
A unknown suspect has been using my identity. My name and social security without my permission. When I reviewed my credit report I observed two loans ( XXXX XXXX XXXX ) and three credit cards ( XXXX XXXX  and two XXXX  XXXX cards ) that I did not apply for or authorize. Also I observed two other unknown suspicious accounts. The loans, cards and two other unknown accounts were applied approximately a year ago or longer. I have took action and filed a police report with my local police department. Please remove these fraudulent unknown suspicious accounts from my report as soon as possible. 

MEDICAL DEBT XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Are reporting an account that was resolved between me and XXXX XXXX. And as off today ( XX/XX/20 ) I have 2 active accounts with XXXX XXXX. Have tried to dispute negative on account but was rejected!

Company response to consumer: Closed with explanation