vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-09 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Since XXXX I've been trying to get into a loan modification with my mortgage company Mr Cooper also known as nationstar. I have made a number of attempts to make a payment and which they refuse to take less than the amount due. Causing my credit to be heavily affected by all the late charges. Then once XXXX of XXXX hit ( pandemic ) they allowed a forbearance in which I had no money at the time to make a payment and was told that there would be no late charges or no reporting to the credit bureaus which is not accurate. I've noticed that there were a few different charges for inspections etc at about XXXX dollars. Also I had been assisted by government program which paid them {$8000.00} in XX/XX/XXXX and they just turned around, sold my mortgage in XXXX of this year. I was a bit confused because they kept telling me they would not accept any payment amount less than what was owed in which they accepted the {$8000.00} some odd dollars. Now my mortgage is with a new lender that I have no forebance with and my credit destroyed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
We keep getting arbitrarily harassed by TD Bank and their merchant services affiliate XXXX - like for today for example we woke up to try and login to our XXXX XXXX account ( a feature created by XXXX to access our credit card deposits/chargebacks/etc ) and the " password didn't work. '' So then after we changed the password by authenticating ourselves a few times via email, and were able to log in, the entire data for merchant account ending in XXXX was completely and totally deleted, we think in retaliation for filing so many bona fide legitimate complaints against these XXXX entities with the CFPB and the XXXX XXXX. Please urgently investigate and advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint against this company because they have been violating me as a consumer and original creditor. I have been sending this company mail with a cease and desist letter which means that they shall not communicate with me about a debt directly or indirectly and they are still reporting my information to reporting agencies. I have sent them the violations of them and they have never responded to me or have they given me my specified remedy but they always respond to the reporting agencies when I ask the reporting agencies for an investigation. I am filing this report and I am also going to the Federal Trade Commission to file a complaint as well. I am very frustrated the way they have purposely ignored my demands and are affecting my ability to obtain household goods. This is a new complaint and they may try to mark it as a duplicate and it is not. 

THIS iS NOT A DUPLICATE!!!!

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 2021-12-09 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint against this company because they have been violating me as a consumer and original creditor. I have been sending this company mail with a cease and desist letter which means that they shall not communicate with me about a debt directly or indirectly and they are still reporting my information to reporting agencies. I have sent them the violations of them and they have never responded to me or have they given me my specified remedy but they always respond to the reporting agencies when I ask the reporting agencies for an investigation. I am filing this report and I am also going to the Federal Trade Commission to file a complaint as well. I am very frustrated the way they have purposely ignored my demands and are affecting my ability to obtain household goods. This is a new complaint and they may try to mark it as a duplicate and it is not. 

THIS iS NOT A DUPLICATE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am filing this complaint against this company because they have been violating me as a consumer and original creditor. I have been sending this company mail with a cease and desist letter which means that they shall not communicate with me about a debt directly or indirectly and they are still reporting my information to reporting agencies. I have sent them the violations of them and they have never responded to me or have they given me my specified remedy but they always respond to the reporting agencies when I ask the reporting agencies for an investigation. I am filing this report and I am also going to the Federal Trade Commission to file a complaint as well. I am very frustrated the way they have purposely ignored my demands and are affecting my ability to obtain household goods. This is a new complaint and they may try to mark it as a duplicate and it is not. 

THIS iS NOT A DUPLICATE!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
on XXXX XXXX 2021 I submitted a dispute with EXPERIAN about 2 late payments that is inaccurately reporting to my Experian credit file. These 2 allege late payments are only reporting on Experian and no other credit reporting agencies. on XXXX XXXX 2021 I received a response from Experian communicating that the disputed item was " UPDATED '' but was given no proof as to how EXPERIAN investigated this matter and came up with the conclusion of " UPDATED ''. I am exercising my rights under the FCRA 611 ( a ) ( 6 ) ( B ( iii ) requesting a METHOD OF VERIFICATION and I expect to receive within ( 15 ) of receipt of this letter.

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 2021-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The Chase bank sent me an invitation to apply for " Chase Slate Edge Visa Platinum '' credit card. I applied using the invitation reference number on XX/XX/2021. XXXX XXXX XXXX XXXX XXXX XXXX, I received a call from a Chase representative to verify my identity. I did that and provided every details and information that they wanted from myside. The representative told me I should wait for the other department to make a decision regarding my application. 
On XX/XX/2021, I received a letter from Chase which is dated for " XX/XX/2021 '' and ask me to call the number XXXX within 14 days to again verifying my identity! I called the number as soon as I got the letter and after more than one hour staying on the line to talk to a specialist to verify my identity, no one assigned to my call! 
This is so disappointing, they sent me the invitation and said " You Are Preselected '' then called and verified my identity then again asked me to call and after more than one hour waiting on the line, no one answered my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have a loan with PHH mortgage service. They are refusing to remove my escrow account. i have provided them an appraisal with a value of {$390000.00} I owe approximately {$270000.00}. Which gives me more than 20 % equity in the property. My account number is XXXX and my address is XXXX XXXX XXXX XXXX XXXX fl XXXX. My name is XXXX XXXX my phone number is XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: AL

Complaint narrative:
The following accounts where disputed on XX/XX/2021 and I didn't have resolution. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  The Bureaus XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
We keep getting arbitrarily harassed by XXXX XXXX and their merchant services affiliate FISERV - like for today for example we woke up to try and login to our XXXX XXXX  account ( a feature created by FISERV to access our credit card deposits/chargebacks/etc ) and the " password didn't work. '' So then after we changed the password by authenticating ourselves a few times via email, and were able to log in, the entire data for merchant account ending in XXXX was completely and totally deleted, we think in retaliation for filing so many bona fide legitimate complaints against these XXXX entities with the CFPB and the XXXX XXXX. Please urgently investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: NCB Management Services Inc.
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2021 I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$960.00} order # XXXX. I used the machine for the first time in XXXX and discovered the machine did not work. The products would not freeze. I contacted XXXX XXXX by phone and email in XXXX ( correspondence attached ) and provided them with pics and video as they requested. My issue was not resolved, and I asked for a full refund of funds, and was told by XXXX XXXX I would have to pay to have the unit shipped back. I obtained a quote and the quote as over {$600.00} to have the unit shipped back, which I believe was excessive and not fair as a consumer. I then asked for the manufacturer warranty since the machine should be covered under those warranties and received nothing. XXXX XXXX provided me with a defected product and wants me to be over half the cost to get it shipped back to them, without providing any additional solutions. This is not fair and this company should be investigated. I disputed this information through PayPal, and advised them to have XXXX XXXX send me warranty information but they did not. They closed the account, because I didn't provide the tracking information confirming I shipped the product back for over 600 which I informed PayPal and XXXX I could not afford to do.

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 2021-12-09 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: HW Holding, Inc
State: FL

Complaint narrative:
Balance {$3700.00} Dear Sir or Madam, On XXXX XXXX, 2021 I notified Hunter Warfield Inc in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. Hunter Warfield Inc refused to follow up on my letter explaining or notice it is disputed. I wish to file a complaint against Hunter Warfield Inc under the Dodd-Frank 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 2021-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
XXXX XXXX XXXX contacted sunrise credit to discharge this debt that was not owed I have a zero balance I have also supplied bills that show zero balance sunrise will not give me dates and what these charges are 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 2021-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Theyre saying I deposited 2 different checks which I did not Ive been hacked and someone deposited them into my account through my mobile app then sent the money with XXXX to themselves then the checks was returned to whatever bank the checks was made from. Now theyre saying I owe them XXXX XXXX whenever Im not the one that did this.

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 2021-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
Hello, I am trying to refinance my property and this is what i found out once i was going through the process. I have my current loan with Loancare, last year 2020 my mortgage was in forbearence for the total of 1 year. And when we resumed the payments after the year we were told that the amount will be deffered and put towards or loan and thats it. Nothing else complicated and we chose that option. But now i am finding out that they have put a lien towards my property and it not recorded as deffered and how they explained. On the top of that that have recorded it double the amount. No one in Loan care can explain. I really need to refinance but this is killing me with no explanation.

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 2021-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has taken nearly 2.5 months to close my loan. For the first week I asked them if I needed to hire a lawyer for this process and it took nearly 5 days and me elevating to a supervisor to get an answer. During the documentation process I was asked repeatedly for documentation I already submitted, documentation that bank of america already has on file such as Escrow statments, deposit information ... During the appraisal process they never ordered the appraisal in a reasonable time and it took me calling and asking about it for them to realize that it was never ordered. Bank of America has asked me multiple time to reach out to both the closing lawyer ( their lawyer ) as well as mine to see if I can make them go any faster. For the ridiculous amount of money I am paying for this loan I feel I have done more work than anyone else. During the scheduling of closing they repeatedly asked my closing lawyer for information that he already sent to them as well as information that is never provided by the buyers lawyer and must be provided by the lawyer they hired for closing. This has been an incredibly stressful situation for both the buyers and sellers of the property.

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 2021-12-09 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: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
On XX/XX/2021, due to a massive last-minute airline-perpetrated disruption of my flight that was beyond my control, I cancelled the flight to the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX , booked with my Chase Sapphire XXXX XXXX XXXX Upon calling the credit card company, I was advised to file a claim in order to receive a refund for the nonrefundable expenses associated with this trip -- one of the purported benefits of this card. 

I filed Claim # XXXX with eclaimsline.com ( as instructed by Chase ) on XX/XX/XXXX. I submitted appropriate documentation of the nonrefundable expenses I was seeking reimbursement for and updated my case when I received a refund from the airline and the rental car company. My stay at the XXXX XXXX XXXX, however, remains nonrefundable and I continue to seek reimbursement for this. I submitted an email from the XXXX XXXX XXXX confirming both my same-day cancellation and their policy regarding this cancellation, indicating that I would be billed for the entirety of my stay. Weeks dragged on, and I have received numerous emails from the XXXX XXXX XXXX XXXX citing insufficient documentation of this nonrefundable expense. I resubmitted the XXXX XXXX XXXX, originally sent as an attachment with the original claim, by forwarding it to XXXX. 

Although this email -- an acceptable format for documentation, according to the XXXX XXXX XXXX XXXX -- conveys all the required information, they continue to insist it does not and I find myself in a perpetual stalemate with them. I can only conclude, in light of this, that either no one handling this claim is literate, or -- more likely -- they are rendering this process unnecessarily antagonistic and user-hostile so as to avoid paying out this claim for a nonrefundable travel expense Chase purports to offer reimbursement for to its Chase Sapphire XXXX XXXX XXXX 

In light of this unacceptable customer service ( and a slew of other ordeals involving this credit card ), I have subsequently closed the account, but I continue to seek reimbursement for my cancelled stay at the XXXX XXXX XXXX in the amount of {$980.00}, booked with my Chase Sapphire XXXX card. I can supply the same unequivocal documentation supporting this claim to you as I did to the XXXX XXXX Claims XXXX. 

Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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