vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I realized there was a loan that does not belong to me, i sent all proper documentation and certified mail

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 2020-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Tried to dispute with them and they all say this debt is authorized Im disputing this against all 3 Bureaus, showing inconsistencies and inaccuracies payment history date opened date reported dispute status/creditor remarks FCRA required the remarks to say under dispute when its under dispute date of last activity two different payment status

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In my particular case, I was attempting to schedule a student loan payment to WELLS FARGO via their website so I could leave town &  know my bills were paid. Since XX/XX/2011 I have never been allowed to schedule the payment nor has it ever been late. Whatever day I went to their website was the day the payment would be pulled from my account. Today I decided to contact them and ask why I wasn't permitted to schedule the payment instead of same day pull of payment. The only explanation that I received was that WELLS FARGO doesn't permit the scheduling in advance of a student loan payment. Basically there is no real reason other than " because I said so '' from WELLS FARGO. I was told that I had to either do auto draft or log in on the day I wished to pay. This information was provided to me by their technical support team because there was confusion on the part of the customer service rep that first attempted to assist me. Even the technical support lady couldn't understand why I wasn't allowed to schedule a payment. Again, I have never been late on this payment - ever. My call was transferred back to the student loan dept and the supervisor basically said that this is how WELLS FARGO set up my student loan. With today 's technology, I should have the ability to schedule the payment to WELLS FARGO.

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 2020-09-04 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: CA

Complaint narrative:
I have filed disputes with the experian, XXXX  and XXXX  I have yet to get an response from them. I realize things are slow right now they can still reply within the time allow by law

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 2020-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
Hello, I am the owner of my home at XXXX XXXX XXXX XXXX XXXX I am living there with my XXXXyear-old mother and I really need help I have for months have been trying to get M and T XXXX   company to help me with my request for loan modification so I can go back to paying my mortgage on time. I feel on hard times after a seperation and I am now living in the property and I need to make sure we dont loose our home. 
I am working full time and I ahve submited a fll loan modificatoon request. I want to ask for a proper review and and appeakl to all my denials I needto keep my home.

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 2020-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I lost my job due to COVID. I sold my property to pay off my debt. The credit card company refused to provide any relief of all the extra charges and wanted to know where I was getting the money to pay them. I told them we sold everything we owned to settle and I gave them authorization to have my wife settle the account. They kept asking me where my money was coming from and refused to allow my wife to resolve the account. I asked for relief before and I always get a bad connection and can not understand the person that answers. All I wanted was a supervisor to resolve my account and she refused. They want to keep charging me high interest and penalties. They are abusing their power during this crisis. XXXX XXXX Synchrony Bank has been horrible during the crisis to try to work with.

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 2020-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I made a payment to my Bank of America credit card using my XXXX checking account. The only to do that with Bank of America online is through their Bill Pay, it required adding XXXX into the list of accounts saved with Bank of America. I did that and validated the account. 
When I came to make a payment on Bank of America website and selected the XXXX account to pay from, Bank of America reverted to using the Bank of America checking account even though I selected XXXX. That caused my Bank of America checking account to reach a negative balance and I was charged a {$35.00} fee. 
When calling Bank of America on XX/XX/2020, they transferred my call between 5 different representatives over an hour on the phone and the last one just hung up on me, the fee was not refunded, and the payment was not properly reversed

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 2020-09-04 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: CA

Complaint narrative:
I have filed disputes with the XXXX, XXXX and transunion I have yet to get an response from them. I realize things are slow right now they can still reply within the time allow by law

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 2020-09-04 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: CA

Complaint narrative:
I have filed disputes with the XXXX, equifax and XXXX I have yet to get an response from them. I realize things are slow right now they can still reply within the time allow by law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: MA

Complaint narrative:
I requested information on my credit report to be verified and they never got back to me and it's been well over 30 days.

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 2020-09-04 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: LA

Complaint narrative:
This is a problem that had repeated itself I buy books, he advertises {$69.00} but charges {$590.00} and he does not warn Also the website was rigged so you cant refresh or goback without being charged. 
They site is full of spyware and malware and they know it, there is no name o the website, also they found away to bribe Netspend into faking fraudulent transactions and helping them get away. The is against Louisiana laws Netspend Claim # XXXX phone XXXX I claim racism because if i was white or Spanish this wont happen alot XXXX Billing help XXXX they give no name and will not verify who was the investigator, and what proof do you have I got the order. Card ending XXXX is a duplicate fraud. This time change account numbers with new cards.

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 2020-09-04 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: MA

Complaint narrative:
I requested information on my credit report to be verified and they never got back to me and it's been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
This is not my account. Please provide validation of debt, method of verification and Assignment of Debt. 

SUNRISE CREDIT SERVICE # 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 2020-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
Large group went to XXXX THREE YEARS AGO. Now, just now, all 4 of the drivers ( each with own rental car ) gets a notice of a traffic violation? Say -- when do records of car rentals go public in XXXX? Is it after 3 years, per chance? And, none of us did anything to make us think we'd violated ANY traffic laws there. Hmm ... And now, not just a notice, but a notice that we're IN COLLECTIONS, so ( a ) our credit ratings ' necks are all on the chopping block, and ( b ) it's XXXX, and 3 years ago, so we're going to contest this how? Cedars Business Services , LLC wants me to cough up upwards of {$400.00}, just like that. Or else what? -- they trash my credit rating? Talk about easy pickin 's! They have no proof ( in part because I violated NO TRAFFIC LAWS ) ; I can't reasonably fight it because it's XXXX and I'm here ( in America ), and it's 3 years ago ; AND, I have no idea who these people ( Cedars Business Services , LLC ) actually are nor what authority they have to collect on an unproven supposed debt from a foreign country XXXX miles away as the crow flies. And, when you call them, it's a guy with an XXXX accent. And, their bill is TOO LARGE for the return envelope they include. It's a glut of suspiciousness! CAN they ding my credit? On what grounds? On what authority? If I send them my {$400.00}, who gets it? Where does it go? ; XXXX? Show me, 'cause I never got ANYTHING about this shakedown " violation '' from ANYONE but them, and certainly not from XXXX. They need to be INVESTIGATED, and if my credit gets TOUCHED by these people, I WILL fight it by whatever legal means I can come up with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE
State: CA

Complaint narrative:
My mortgage company, Sierra Pacific Mortgage, was late paying my hazard insurance. I called them multiple times leading up to the expiration date to confirm they had paid. Each time they told me the check was in the mail as a batch payment to the insurance company. But because they waited until the last moment to distribute that payment, my insurance company cancelled my homeowners insurance. I was without coverage during a major fire season in California, in an area that was evacuated due to wildfires. I made the payment myself via a credit card. I was charged a fee for having my policy reinstated. My insurance company told me they would reimburse me if/when they received the mortgage payment from the lender. But, they'd need to hold onto my payment ( {$1100.00} ) for 20 days as was state regulation. Meanwhile, my mortgage company  sent me a letter telling me my insurance had expired! If my lender had made the payment in a responsible and timely manner, this would not have happened. Thankfully, I had the ability to charge this onto a credit card. I'm sure there are others who don't have the resources to do so. Sierra Pacific Mortgage 's payment policy negates the point of an escrow account and puts homeowners at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Disputing this account and FCRA VIOLATIONS on this account several times. 

( Arizona Law ) haven't received any notices to Prior to selling the car, the lender must notify you of the date, time and location of the auction. which never been offered to me. which I requested numerous times & please enforce the fcra law I demand the documents or please remove. 

The original creditors and Credit bureaus reporting two different open dates. 

Last Payment is inaccurate that is a violation

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 2020-09-04 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:
CONSUMER FINANCIAL PROTECTION BUREAU Experian HAS CONTINUED TO CLOSE MY DISPUTE AS EITHER DUPLICATE OR WITH THE FOLLOWING RESPONSE TO MY COMPLAINT " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number that displays on your Experian personal credit report, or visit our secure web site at www. experian.com/dispute. '' I HAVE BEEN SENDING AND UPLOADING LETTERS, AFFIDAVITS AND POLICE REPORTS to the EXPERIAN dispute portal as indicated in their response ABOVE since XX/XX/2020 up until today XX/XX/2020. I have notified Experian of a FRAUDULENT MORTGAGE COLLECTION IN MY NAME. 1 ) I HAVE PROVIDED THE FTC AFFIDAVIT. 2 ) I HAVE PROVIDED TWO SEPARATE POLICE REPORTS. 3 ) I HAVE SUBMITTED 5 REQUESTS IN WRITING TO BLOCK SPS/SELECT PORTFOLIO SERVICING FROM MY CREDIT FILE PER EXPERIAN 'S DETAIL GUIDELINES DUE TO FRAUD. 4 ) I HAVE SUBMITTED 14 LETTERS OF DISPUTE TO EXPERIAN FOR XXXX XXXX XXXX. 5 ) I HAVE SUBMITED 14 LETTERS REQUESTING THAT MY PERSONAL STATEMENT " I AM THE VICTIM OF FRAUD. SPS/SELECT PORTFOLIO SERVICING IS NOT MY ACCOUNT AND I HAVE FILED A POLICE REPORT OF FRAUD FOR 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 2020-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020. I went online to the XXXX XXXX XXXX. As advertised, I ordered a blue and red XXXX XXXX for my grandson that his XXXX birthday was coming up. The price of the XXXX XXXX was {$240.00} plus I paid {$15.00} extra to expedite the shipping ( 5-8 days ) since my grandsons bIrthday was in 12 days. 3 days later, XX/XX/2020 my son tells me that I should call JPMorgan Chase ( my bank ) and cancel the transaction since that store is a scam. I call JPMorgan Chase immediately and explained the situation. The money was put back into my account. On XX/XX/2020, 31 days later, I received a Small package from XXXX. When I opened it it was a Mobile game handle. NOT A XXXX XXXX. I still have it. A month later XX/XX/2020 while looking at my bank statement I notice that JPMorgan Chase reversed the claim. I was never notified about any further actions to be taken about this matter. I called the Chase dispute department and explain to them what I had received. They told me to send all the proofs by fax. On XX/XX/2020 I send 2 pictures, 1 of the picture shows what I received and the 2nd picture shows what a XXXX XXXX is. Also pages showing the emails from XXXX XXXX company. On XXXX XXXX I received a letter stating that the transaction was authorized n that my claim was closed. They cited on behalf of the company. They also told me that they called the company and the company said they did send the XXXX XXXX. Obviously the person that did the research doesnt know the difference between a XXXX XXXX and a Mobile game handle, which was what I received. I am disgusted as to how unfair I was treated by the Bank. They did not look at my evidence. If that wouldve been the case, they wouldve cited on my behalf. I did try to reach out to the company ( XXXX XXXX XXXX but the emails were send back to me. If they do a research about that company theyll see its a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-04 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR

Complaint narrative:
I received a payday loan from Ace Cash Express in XX/XX/2020 and I paid it back on time one month later. Then I received another payday loan XX/XX/2020 and paid it back on time one month later. I have recently noticed I have two hard inquiries from them I did not authorize them to do a credit check, nor did they disclose to me that they were doing a credit check it was literally a four minute interaction I was borrowing money from my own paycheck..On top of that they did too hard credit checks within a one month period for the exact same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sentry Recovery and Collections, Inc.
State: TX

Complaint narrative:
Closed case XXXX states that the company who has been calling us did not say the debt was from them. We originally filed a complaint on XX/XX/20 and now on XX/XX/20 they are harassing us again and my family members. They called my uncle and myself around XXXX XXXX on XX/XX/20. I called CFPB sometime last week to discuss the next steps and the CSR stated that Sentry did not accept responsibility for the debt we reported them for. A XXXX called left a voice message saying I needed to call them back. When I did they would not verify the debt unless I provided my last name and DOB. When I refused they hung up. This will be the 2nd time I report Sentry and this time I do not want the case closed. Sentry is lying to the CFPB and myself and need to held accountable.

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 2020-09-05 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: LA

Complaint narrative:
i sent in several documents to the bureaus about accounts that dont belong to me for the last past months, i have been a victim of identity theft i never recived anything months later nor was the accounts removed, they acting as if i never sent anything in because i didnt get anything from either bureau i tried calling XXXX cant get through tried to send fax it kept saying line busy, XXXX i was on hold forever i haven't tried to call transunion yet but i did mail off to them also.

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 2020-09-05 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
There is a 160-point discrepancy between the credit score that was generated by this credit reporting agency compared to every other major agency in the market.

Company response to consumer: Closed with explanation