vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
On XX/XX/2020 I added {$50.00} from an external debit card from a JOINT account that my partner and I share. A few minutes went by and I tried to log in to see what that brought the available balance to and I could not log in. I called in and was sent to account protection services and told that my account was being closed for violating section 15D of the member agreement. The rep advised me that the remaining funds on the card would be mailed to me within 7-10 business days. The following is the exact verbiage used in section 15 ( d ) of their agreement : " We, in our sole discretion, may limit your use of, suspend or terminate your privileges with respect to your Account ( including your Reserve ), Sub-Account, Card and/or Sub-Account Card with or without cause or notice, other than any notice required by Applicable Law, including in the event we believe there has been a breach in security or there has been unauthorized activity involving your Account or you have engaged in activity that is fraudulent or inappropriate ( e.g., manufacture activity that is inconsistent with the intended use of the Account ) or violates the terms of this User Agreement. *******We will only close your Account if there are no funds remaining in your Account ( including your Reserve ) or Sub-Account, unless you specifically instruct us to close your Account or Sub-Account with funds remaining*******, in which case, any remaining funds will be escheated to the applicable state in accordance with Applicable Law. Closure of your Account will prohibit your access to the Service. '' There are funds remaining and I did not request that it be closed. So they are the ones in fact in violatioin of the Agreement, not I. I have called three different reps back and none of them can give an answer other than " ummmm '' and refer me to write in. Thats not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
While I was in a Loan Modification PHH held back 6 months of payments. While holding those 6 months of payments they charged me late fees. After filing with CFPB about holding those payments PHH credited my account for some late fees. PHH just reversed late fee credit in the amount of {$310.00}. PHH continues to make mistakes on my loan. I can not even reconcile my loan totals, reserve totals or late fee charges or credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I was recently denied my XXXX student loans due to fraudulent accounts on my credit file which was due to identity theft. I have called the collection company " XXXX XXXX '' about this and they told me the debt of XXXX is from XXXX XXXX. I never opened a XXXX XXXX account ever. On my credit file, it says that this collection account was opened XX/XX/XXXX. 

Also there is a fraudulent XXXX  XXXX XXXX credit card with a balance of XXXX. This account according to my credit file was opened XX/XX/XXXX. I have spoken to XXXX XXXXXXXX XXXX about this but it still shows up on my credit file. I did not open this account and want it off 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 2020-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a mortgage account # XXXX that was orinated with MB Financial in XX/XX/XXXX and sold to Fifth Third Bank. I filed bankruptcy but have retained my home and maintained all payments of my home at XXXX XXXX XXXX XXXX, XXXX, MI XXXX. I requested to Fifth Third and MB Financial to report my mortgage payments and the actual mortgage to the credit bureau. 

This has not been reported since my bankruptcy was filed in XXXX. I am requesting the full 6 year history to be reported to the credit bureaus to reflect that I still have a mortgage and it is currently being paid. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a credit freeze and need it temporarily lifted for the mortgage refinancing. Two our of three credit reporting companies did it quickly and with no issues after verifying some personal information with me. With Experian, not only did I have the PIN from 3+ years ago, I also provided all correct information to check my identity, and this is the response - " To temporarily remove your security freeze, please mail us this letter ( or the information in it ), along with one copy of a government issued identification card, such as a drivers license, state ID card, etc., one copy of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. We will validate your information and remove your security freeze for the timeframe you request '' And there is NO WAY to speak to a live representative to ask for help. Zero. The automated phone line responds with the same message. 

ARE YOU KIDDING??? I need the credit unfrozen now. I dont have time to mess around with MAILING them stuff and wait for them to mail it back. My bank or broker will get me whats needed, including a wire, instantly over the phone, while this PRIVATE company who collects all my information and participates in approving or disproving my credit without my consent thinks they can hold back my refinancing?? If they are so incompetent that they can lose customer data again unless they create a huge problem for the people ( who havent even approved this type of data collection! ), maybe they should be banned from participating in reviewing the creditworthiness of the customer? Seriously unbelievable experience.

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 2020-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc
State: VA

Complaint narrative:
I was denied a XXXX  Student Plus loan by the Department of Education which has resulted in a diminished chance of graduating from XXXX University with a XXXX XXXX XXXX in XXXX XXXX XXXX XXXX because the Department now requires perfect credit to get these loans. So I checked my XXXX  Credit Report and found a collection from COLLECTION BUREAU OF FWB, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXFLXXXX ( XXXX ) XXXX for XXXX Tennessee XXXX XXXX XXXX XXXX. This debt is supposedly for services rendered in XXXX of 2018. I contacted the XXXX group and inquired about this as I had XXXX at that time. They have no record of providing service to me in XXXX, 2018, and no record of submitting a bill from that time or any other for collection. The Collection Bureau of FWB refuses to contact the provider to verify this or to send me their information justifying this collection. They also refuse to remove this fraudulent attempt to collect a debt from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have disputed this information on my credit report for several months. I have been BEYOND UNSUCCESSFUL in my attempts via phone or certified mail disputes and/or upload on line. 

I have attached that the information continues to verified to which I have attached supporting documents, disputing verification. I have also asked for the method of verification to which I continue to obtain the same verified response. Therefore I am reaching out to CFPB for intervention and a investigation as this is greatly hindering me in moving forward with I need to do for my family with regards to the INACCUARTE REPORTING. 

Based on the information reported on Transunion website, they report that TransUnion reports public record items from local, state and federal courts and other public record sources. If your TransUnion credit report contains a public record item, you may be required to explain it to potential creditors, employers and insurers. Generally, TransUnion retains third-party vendors to collect this public record information and transmit it to TransUnion for inclusion on consumer credit reports. 

Beginning in XX/XX/XXXX and continuing through XX/XX/XXXX, as a result of our implementation of enhanced standards for the collection and timely updating of public record data included in consumer credit reports as part of the National Consumer Assistance Plan ( NCAP ) and as part of a lawsuit settlement, TransUnion agreed to stop reporting civil judgments, state tax liens and federal tax liens on credit reports and will not resume reporting these public record items on credit reports until XX/XX/XXXX, at the earliest. For additional information about the settlement, please visit XXXX TransUnion continues to report bankruptcy public records on credit reports. For bankruptcy public records collected through XX/XX/XXXX, TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. XXXX may be contacted using the information provided below. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX https : //transunionconsumers.lexisnexis.com/ I have contacted XXXX and they are not reporting said bankruptcy that is " verified through a third-party '' per Transunion as the bankruptcy was removed due to fraud as you will see in the attached supporting documents. I have also reported this information to the FTC, XXXX and Attorney General 's Office.

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 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Certegy Holdings, LLC
State: PA

Complaint narrative:
Received a letter twice from Certegy which claimed I owed XXXX XXXX XXXX. I checked with XXXX and they told me these people are scammers and that I do not owe this money to XXXX I called certegy and the person asked me for my credit card number right away. Then she asked me for my drivers license number. 

I told her she was a scammer and she got off the phone right away. How can these people live with themselves? 

The phone number I called is XXXX XXXX XXXX XXXX XXXX, FL 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 2020-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I did an international wiring {$77000.00} with Chase local branch manager to wire to XXXX in XXXX XXXX on XX/XX/XXXX, but recipient has not heard anything about the fund ... 
XXXX requested my compliance information twice. After Chase sent out to them on XX/XX/XXXX and XX/XX/XXXX, there is still nothing heard back from XXXX. 
HSBC hold my fund and don't respond to Chase inquiries. 

So, Chase recalled the fund back on XX/XX/XXXX, Still no result so far till today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MS SERVICES LLC
State: FL

Complaint narrative:
On XX/XX/2019, a collection was wrongfully and unknowingly opened on my credit account with a balance of {$490.00} by MS SERVICES, LLC. I contacted the creditor, XXXX XXXX XXXX XXXX, about the situation and they told me they had no such account under my name/information. I then reported it to XX/XX/XXXX only to be told that the " Disputed information was verified as accurate '', which is false because I have never had an account with XXXX XXXX XXXX XXXX or MS Services LLC. I then found that MS Services LLC has had a history of incorrectly putting collections on credit accounts and refusing to give information/giving false information about the accounts and debts owed to the individuals it has affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
During the pandemic I reached out to Wells Fargo Auto to have my payments suspended for 3 months. They gladly accepted my offer. During the 3 month time frame of XXXX to XXXX, I was able to get caught up in my payments of {$540.00} a month. I then expected that Wells Fargo would continue to make accurate and timely reporting to each credit bureau. On XX/XX/2020. I made a large payment of {$3900.00} to account # XXXX Wells Fargo failed to report to the credit bureaus for the month of XXXX, XXXX, and XXXX. As of today XX/XX/2020, They still have not accurately reported to the credit bureaus. my payments to date. 

To date, I have since payed off my loan, and they are refusing to accurately report information to the credit bureaus. There reason for not reporting, is they said that Its because i took advantage of the program, they offered. This is incorrect. 

On XX/XX/XXXX, I explained, that I would no longer need the assistance, and they reported in XXXX and XXXX. 

I also made a new car purchase with XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX in XXXX. I believe that if they would have reported the payments in XXXX, XXXX, and XXXX, i could have received a better interest rate. 

I have placed numerous calls and nothing has been resolved. The case number is XXXX. 

My resolution is for them to report to the agencies the correct payments of XXXX, XXXX and XXXX My name is XXXX XXXX, and I can be reached at XXXX XXXX XXXX or by cell at 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 non-monetary relief
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
The debt was reported through credit bureaus as not belonging to me. Credit bureaus did an investigation, and the debt was validated that it was definitely not my debt. The company is now reaching out to me to fill out a fraud packet with through their company. They are not the original company with the debt. I have already completed a fraud alert through my own credit monitoring company. They are sending a fraud packet to address the identity theft claim regarding the account that has already been addressed. This is not my account. Why are they harassing and accusing me again. This is not fair. What the purpose of going through the credit bureau if I am going to have to keep revisiting this over and over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06 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:
Experian is breaking the Fair Credit Reporting Act by not providing me with proof of the alleged " verified '' account - XXXX XXXX XXXX # XXXX not removing the fraudulent account and ignoring my documentation to verify the accounts as fraudulent. 

It is past the 30 day time period for the account to be removed as I disputed the account in XXXX, being that it is now XXXX. 

Experian and XXXX have also both ignored the Police report that I have provided to prove that my wallet was stolen and the accounts were fraudulently created around that time period with the contents of my wallet ( driver 's license and social security card ). Experian has not done any investigation into my dispute of the XXXX account.

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 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IA

Complaint narrative:
I am being charged for equipment that I returned to XXXX in XX/XX/2018. I didn't know this was on my credit report. I no longer have the receipt of return. I know for a fact I returned it in XX/XX/2018 because I switched to XXXX on XX/XX/2018. I don't understand why they are charging me for this equipment. I have heard from others that this has happened to them as well with this company. I would like this removed as I do not owe it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Sunday XX/XX/2020 I tried to use XXXX from my CHASE bank checking account. I added the payee 's phone number, Chase told me I needed to add my mobile number and download the app. NOT happy about that as I use the cell only for emergencies, no apps on it, I use a landline phone from home. Did it anyway, tried 3 times to send {$1500.00} to the person, rejected twice, then seemed it was processing, then rejected - and then they closed my online banking which I use from my laptop for 'suspicious activity '! No branches open on Sunday plus they stopped taking their customer service phone calls at XXXX PST. Since then they have told me I MUST go into a branch with two IDs even tho I can not find my Social Security card, have been searching for it for months, well before this problem, and btw it is not supposed to be used as ID by Federal Law. I have no passport but I have my Soc Sec number memorized. I have tried multiple times over the phone to unlock my online account, now suspended for suspicious activity. Regular account is open. I am a XXXX senior with a non-working car. They tell me the only way to unlock the online account which is far more accurate than the phone system and can be accessed 24/7 is to go into a branch. I have told them my Soc Sec # on the phone, date of birth, etc. No, I must go into a branch - with my expired ID and no SS card but the number in my head? Asked if I could bring bills with my name on them - no. They are being insanely stubborn about this one simple thing and I have banked with them for years!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am the Guarantor of two student loans with Discover Bank, one dated XX/XX/XXXX, the other dated XX/XX/XXXX. We signed identical Notes for the two loans. Both are variable interest rate loans. From inception until XX/XX/XXXX, we received no information or correspondence on either of these loans either from Discover or any loan servicer ( if there was one ). Recently, the deferral period ended and Discover decided to contact us. We note that the current interest rate on one loan is 7 % and on the other is 11 %. We questioned this with Discover. Item I4 on the Promissory Note describes how the interest rate is calculated. However, Item I4 refers one to the Disclosure Statement. We have requested the Disclosure Statement from Discover and after many months, Discover informed us that they don't have it. We have no recollection of receiving it and indeed do not understand how loans with identical terms can have such different interest rates. We have another Discover Student Loan and the variable interest rate is 6.75 %, so it does appear that the 11 % interest rate is an anomaly. We are also prejudiced by the fact that Discover did not send us any information on these loans for 11 years, so we did not have the opportunity to contest the interest rate charged, or take other action, such as refinancing the loan at a lower interest rate with another lender. Discover can not justify the 11 % interest rate, but refuses to recalculate it.

Company response to consumer: Closed with explanation