vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Conduent Incorporated
State: TN

Complaint narrative:
my name is XXXX XXXX XXXX i have been getting unemployment in tn since may- XXXX and ive reported it multipal times and havent been able to contact anyone bc the ppl are putting apps on my phone so they can controll who i call ... they have my ssn- birthdate - and my way 2 go card number i reported it got new one they been watching me got that card number thy transfering my money before i get to atm

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/XXXX, I've received what appears to be a targeted email that reads the following : " Whether you are at work or working from home, home schooling or learning online, you have a lot on your plate. We think you deserve a break. So, order a meal for yourself or send one to  someone else. And, when you use your XXXX XXXX XXXX  XXXX XXXX  XXXX Mastercard to place 3 orders with XXXX XXXX, XXXX, XXXX, XXXX or XXXX, from XX/XX/XXXX until XX/XX/XXXX, you'll earn a {$20.00} statement credit. '' The email contained my name and the last 4 digit of the credit card for which the offer is targeted for. I went ahead and completed three purchases with XXXX XXXX  with the card in the month of XXXX as per terms of the promo. And now it's XX/XX/XXXX, more than 110 days have passed after the end of the promotion period, I still have not received the statement credit on my account. The last statement closing was XX/XX/ no nothing. Between XXXX and now, I've called and messaged the credit card issuer multiple times, and each time I was told to wait for the next statement. I called again today, after holding for 20 minutes,  talked to an agent, she acknowledged I was entitled to the statement credit yet was not able to tell me when I'd see it getting posted despite the email says " Statement credits earned will appear on your statement 6-8 weeks after the end of the promotion. '' Thus I'm filing a complaint to expedite this process.

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 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
I submitted an initial complaint regarding an escrow account dispute with Fay Servicing on XX/XX/XXXX via the Consumer Financial Protection Bureau. 

Fay Servicing incorrectly charged me {$2500.00} as a property tax payment for XXXX and included this charge in my monthly escrow payment. Fay Servicing made the tax payment on a property that does not belong to me but was charged to my account which resulted in an escrow shortage. I was subsequently charged for the incorrect overage. Despite the error, I have been paying the incorrect mortgage charge in FULL while patiently waiting for Fay Servicing to correct the error and reimburse the overpaid funds.

After several failed attempts at resolving the issue with 3 different account managers at Fay Servicing I filed an initial CFPB complaint. On  XX/XX/XXXX, I received a response from Fay Servicing, regarding my initial complaint in the CFBP portal, admitting to the error and offering a solution to refund my account.

According to their official response, The refund process should take about a week to finalize. It has now been over 80 business days and I have not received any refund, nor any further correspondence from Fay Servicing, despite several email attempts and phone calls to my account manager.

According to FTC guidelines for mortgage disputes, The servicer must send you a written acknowledgment within 20 business days of receiving your inquiry. Then, within 60 business days, the servicer must correct your account or determine that it is accurate. The servicer must send you a written notice of the action it took and why, as well as the name and phone number of someone to contact.
The issue has not been corrected, nor have I been contacted. However, I continue to get phone calls when the mortgage payment is due but no effort to contact me regarding my unresolved dispute. Fay Servicing is highly unprofessional and in violation of several policies and practices regarding dispute resolution and account management.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 2020-10-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
During Covid 19 Bank of America offered a Deferral program in which I took advantage of due to financially difficulty. I have to approval letters and dates the offer was valid. Our home was on the market to  be sold and we did sale in XX/XX/2020 and the program was through XX/XX/2020. The mortgage is paid in full and the amount paid was {$480000.00} with balance owed and all fees and interest due from the deferral period. We are in the process of closing on a new home and my credit rating
has dropped from XXXX to XXXX on XXXX  'XXXX  reporting system due to Bank of American reporting that I was 120 days late on my mortgage. I have tried calling the bank several times and end up transferred to different people, different divisions and being disconnected from calls.

I plan to go to a local branch tomorrow but once I pulled my report decided it may be best to also submit this information to the most accurate credit reporting agency out of the three. Thank you for your help in this matter. I'm concerned we will not be able to purchase in a timely manner and the closing will not happen for our family.

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 2020-10-20 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: Stern Recovery Services, Inc.
State: OH

Complaint narrative:
Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : -STERN RECOVERY SERVICES # XXXX -XXXX  XXXX  # XXXX -XXXX  # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Our home was lost during the national disaster XXXX XXXX XXXX here in XXXX California on XX/XX/2020. I have been making monthly payments but can not continue to do so while actively looking for a place to live for my family and I, rental agency 's are NOT approving me because the mortgage is still shown in my debt to credit ratio. I've called multiple times not getting anywhere with anyone within the company. My insurance company paid out the claim on XX/XX/2020 and NewRez / ShellPoint was stating they hadn't received payment yet while using funds from this insurance payment for my XX/XX/2020 monthly payment ...

I've called countless times trying to see about a forbearance since there is no home on the property to live in, I was told I would receive a letter / email confirming this and have NOT heard back. No one is calling me back and this is causing EXTREME hardship to my family.
We have no where to live and this company is making my family suffer. I thought it was going to be difficult working with our insurance company and to my surprise the biggest obstacle has been the mortgage company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
First, this is a closed account and have been closed for years. 
I paid the full balance off onXX/XX/XXXX w/ a transaction date of XX/XX/2020 This paid the full balance according to their system. There was no mention of a late charge on this day. If my transaction was not effective until XX/XX/2020 there should have been a late charge already included in my balance. Per the credit card statement I received it stated the late charge was placed onXX/XX/2020 for {$25.00} w/ an interest fee of {$2.00} which bring the total to {$27.00} all interest and fees. Also according to my statement it states I have a transaction date of XX/XX/2020. I called and spoke with Account Specialist Manager XX/XX/XXXXemployee id XXXX and XXXX ( customer service rep ). I ask the specialist to waive these charges as they can clearly see this account was paid off and the charge was placed a day before. He stated he can't waive this fee. I advised him, he can but choose not to. I definitely feel during these difficult times for anyone to pay off a loan is a plus. I am being charge a fee with an interest charge for no balance. This is totally unfair lending and I want to know how many late fees Comenity have waived for other customers? This is an example of unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
This account is being re-aged. My credit card account has reported multiple chargeoffs.This item is being reported inaccuratley and not congruent on your credit. Because of this negative reporting, the creditor is attempting to increase credit damage, and coerce payment by making the debt appear newer in age. This is a clear violation and this is hindering my ability to borrow. The " date of last payment '' and " date last active '' are all reporting different dates on all 3 credit bureaus. ( see attached ) Please delete this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: Conn's, Inc.
State: TX

Complaint narrative:
Good day, I am XXXX XXXX XXXX and the reason I am reaching out and writing to complain on XXXX   and their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I mailed the credit bureaus a dispute of the following information with no response. Per the fair credit reporting act section 609 they must remove the following information or be in direct violation of my consumer rights as a result of non compliance with the 30 day statue of limitation stated in the fair credit reporting act.

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 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have had 2 credit cards with Chase Bank for the past 7+ years, of which I have never been late and often paid extra. I also have 2 checking accounts with Chase as well. I received a letter in the mail that my credit limit was being decreased. Due to too many inquiries on my account ( I am in the middle of purchasing a home ), and too many times not paying above what my minimum is due. Both of my credit card limits were decreased with Chase causing my credit score to drop 40 basis points. My credit score was in the XXXX range and is now below XXXX. I was in the process of a mortgage loan and was unable to obtain my mortgage due to this point decrease. 

I did contact Chase and asked them if there was anything they could do to help me. The gentleman I spoke with told me that in order to increase my credit limit back to where it was they would need to do a hard pull of my credit. This hard pull would once again lower my credit score even more. I explained to him that I have been a good loyal customer to Chase for the past 7 years, paying on time, etc.. As of this date, Chase has not offered any sort of recourse and my credit score still remains 40 basis points lower. There is no real explanation as to why my credit limits decreased, I have had credit cards for over 20 years and have never been treated like this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: PA

Complaint narrative:
I am receiving Pandemic Unemployment from PA. PA is using US BANK RELIACARD Debit card to disperse the money. Everything was fine and for the past 2.5 months, they have frozen my money and will not release it to me. I need that money. I have complied and sent my ID in and they still will not unfreeze my account. It is virtually impossible to contact them by phone so I do so on twitter and they say to send the info via the app, which I have done.

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I mailed the credit bureaus a dispute of the following information with no response. Per the fair credit reporting act section 609 they must remove the following information or be in direct violation of my consumer rights as a result of non compliance with the 30 day statue of limitation stated in the fair credit reporting act.

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I mailed the credit bureaus a dispute of the following information with no response. Per the fair credit reporting act section 609 they must remove the following information or be in direct violation of my consumer rights as a result of non compliance with the 30 day statue of limitation stated in the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: CMRE Financial Services, Inc.
State: OH

Complaint narrative:
Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX XXXX XXXX # XXXX -CMRE FINANCIAL # XXXX -XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -ARS # 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