vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX  Amount : {$53000.00} XXXX Personal Credit Line : {$60000.00} When spouses divorce, and the one spouse is supposed to refinance, and deliberately fails to do so, the mortgage lenders have the discretion to honor the divorce decree or not by removing the non-responsible party from the Mortgage & Home Personal Credit line.

However, if they choose not to, they don't offer any alternative solutions to the spouse who, by a legal divorce decree, isn't responsible for the loan, which also states that states no party is permitted to continue extending credit to either party using both names. Credit can only continue being extending in their own names. They merely suggest court and contempt of court charges which
actually leaves little to no recourse for the divorced spouse to actually force a resolution, as sending someone to jail for contempt doesn't actually solve the problem, particularly when the other parties intention is solely to harm the other party, in any and all ways that they can.
Not only is this financial abuse from the ex-partner, the mortgage company is facilitating it, when they dont follow their own procedures by foreclosing on the property when this ex-partner continues to not pay.

While obviously NOT ideal, a foreclosure would at least provide the non-responsible spouse an actual end to the financial abuse that the bank is facilitating by failing to honor the divorce decree. Mortgage companies should be required to stipulate who is responsible for the mortgage & any Home Credit lInes in event of divorce and remove the other party from the loan after a divorce at
the time of the signing. They should allow for amendments to be made if something changes too.

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 2020-10-23 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX  Amount : {$53000.00} XXXX Personal Credit Line : {$60000.00} When spouses divorce, and the one spouse is supposed to refinance, and deliberately fails to do so, the mortgage lenders have the discretion to honor the divorce decree or not by removing the non-responsible party from the Mortgage & Home Personal Credit line.

However, if they choose not to, they don't offer any alternative solutions to the spouse who, by a legal divorce decree, isn't responsible for the loan, which also states that states no party is permitted to continue extending credit to either party using both names. Credit can only continue being extending in their own names. 

They merely suggest court and contempt of court charges which actually leaves little to no recourse for the divorced spouse to actually force a resolution, as sending someone to jail for contempt doesn't actually solve the problem, particularly when the other parties intention is solely to harm the other party, in any and all ways that they can. 

Not only is this financial abuse from the ex-partner, the mortgage company is facilitating it, when they dont follow their own procedures by foreclosing on the property when this ex-partner continues to not pay. 

While obviously NOT ideal, a foreclosure would at least provide the non-responsible spouse an actual end to the financial abuse that the bank is facilitating by failing to honor the divorce decree. 

Mortgage companies should be required to stipulate who is responsible for the mortgage & any Home Credit lInes in event of divorce and remove the other party from the loan after a divorce at the time of the signing. They should allow for amendments to be made if something changes too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX Mortgage Amount : {$53000.00} XXXX Personal Credit Line : {$60000.00} When spouses divorce, and the one spouse is supposed to refinance, and deliberately fails to do so, the mortgage lenders have the discretion to honor the divorce decree or not by removing the non-responsible party from the Mortgage & Home Personal Credit line. 

However, if they choose not to, they don't offer any alternative solutions to the spouse who, by a legal divorce decree, isn't responsible for the loan, which also states that states no party is permitted to continue extending credit to either party using both names. Credit can only continue being extending in their own names. 

They merely suggest court and contempt of court charges which actually leaves little to no recourse for the divorced spouse to actually force a resolution, as sending someone to jail for contempt doesn't actually solve the problem, particularly when the other parties intention is solely to harm the other party, in any and all ways that they can. 

Not only is this financial abuse from the ex-partner, the mortgage company is facilitating it, when they dont follow their own procedures by foreclosing on the property when this ex-partner continues to not pay. 

While obviously NOT ideal, a foreclosure would at least provide the non-responsible spouse an actual end to the financial abuse that the bank is facilitating by failing to honor the divorce decree. 

Mortgage companies should be required to stipulate who is responsible for the mortgage & any Home Credit lInes in event of divorce and remove the other party from the loan after a divorce at the time of the signing. They should allow for amendments to be made if something changes too.

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 2020-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
There wasn't an exact fitting reason in the options, but here 's the details.

Commonwealth keeps resubmitting this XXXX debt, showing the same creditor & the same amount of {$860.00}, repeatedly as new. Every year for like the last 4 years they submit it then remove it, & add again a couple or few months later as new all over again. Before, about 2 years ago, XXXX  had it listed on the report that it's removal was set for removal in early XXXX. I changed my monitoring services early last year and lost access to all the previously pulled reports that showed how many times they've done this. I truly feel it's cruel of them to do this every year because with New accts hurting credit worse so this's hurt mine many times unfairly. Dropping my score between 70 & 100 points each time. I filed the info with  XXXX, even including the screenshots I DO still have showing it in XX/XX/XXXX and then removed last winter just to be filed again this XX/XX/XXXX as a newly opened account again. At least showing a little history of what this company has been doing. But XXXX completed the dispute by only fixing the date opened by one month. Not the 4+ years it's actually been.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: NV

Complaint narrative:
Complaint number XXXX and XXXX was not addressed. Experian did not address the complaints that I submitted to CPFB. Experian need to address the issues! I have sent Experian numerous documentation I have sent CFPB numerous documentation and Experian refuse to correct the errors on my credit report. I have sent my passport and my utility bill through certified mail. Experian is lying stating they never received the information to avoid fixing the problem. I have had enough of the cat and mouse game with Experian and the premade letters that they keep sending me. I have reached out to legal representation regarding these issues. The Ohio Attorney General will be contacted along with all the disputes I have sent through CFPB and the certified mailings that I have sent via USPS. This is utterly ridiculous! I take my credit seriously and this is becoming a nuisance. This need to be fixed immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 90 days late payment on XX/XX/2019 - XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have filed previous complaints on Experian and I'm alleging the have a personal agenda to prevent me from raising my credit score. Here is another example. I tried to boost my credit score by signing up for Experian XXXX. I meet all of the qualification ; XXXX ( XXXX ) which I pay every month and is linked to my XXXX checking account. I have consistent payments for a total of 6 months from this same account. However, when I try to XXXX, it only shows one payment for the month of XXXX. Experian gives you the option to list all your payments if the system doesn't capture all of them. I have submitted these payments to Experian several times and it was never updated to XXXX. I believe XXXX can fix this issue if they wa n't to.

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 2020-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Last XXXX XXXX Th 2020 I was at Macys to purchase a XXXX gift for my husband-watch that as on sale reduce down to XXXX with a store credit of XXXX on my credit card. My credit card limit is XXXX. The bill came with tax to XXXX. But the machine refuse to deduct the XXXX store credit which would had reduced my purchase. That would had come down to XXXX. The store clerk tried numerous times to get it to reduced my bill using the store credit ( which she could see was on my credit card ). But couldnt do so I had to use a different method of payment. 
I called this wk and spoke to a Macys customer service personnel. When I explain what had occurred she said that as their policy not to reduced the bill even though I had store credit because my bill was over my limit. I told her when you used the store credit toward the bill it was below my store credit. She even refused numerous times to allow me to speak to her supervisor. 
So I contact you and was given options on the best way to file a complaint. 

My question-is this legal? Where I work figs is not allow.

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 2020-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
The company Portfolio Recovery Associates, LLC says that they brought my account from XXXX XXXX in the amount of about {$1400.00} dollars they also reported it to the credit agencies which has caused my credit rating to go down for the second time for the same charges for dentures that were not made correctly and of no use to me. XXXX XXXX refused to refund the money to the XXXX XXXX credit card that I used to purchase the dentures and XXXX refused to be fair with collecting the charges and took a one sided approach about who should repay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Per the Cares Act, I requested my mortgage company Carrington Mortgage put my loan on forbearance. They granted this request from XXXX. I was told by at least 10 people from this  company this would never show up on credit report. On XX/XX/2020 I opted out of forbearance and paid my balance in full. I was again told at this time that this would never affect my credit report and I could go back to making regular payments on XX/XX/2020. I am now getting notifications from credit bureaus that my loan is 120-180 days late  which has completely screwed up my credit. Extremely disappointed in Carrington Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had an auto loan with TD Auto Finance and paid the loan off in XX/XX/XXXX. I received an overpayment in XX/XX/XXXX and misplaced. I found the check in XX/XX/XXXX and contacted the Loan Department. They stated a check would be re issued within 21 days. On XX/XX/XXXX I contacted the bank again and they stated the issue was turned over to XXXX XXXX  and they would reissue the check some time in the next 30 days. I contacted them on XX/XX/XXXX. The bank stated they do not know when the check will be issued or mailed. They hope by the XXXX XXXX  XXXX. 
This to me is taking too long for a simple re issue of a check Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XXXX, XXXX I booked with my AMEX a hotel in Florida with the merchant called XXXX XXXX XXXX ( XXXX XXXX XXXX  ) through the XXXX Website for XXXX XXXX break, the total amount was {$1900.00} charged on XXXX. I cancelled the reservation on XX/XX/XXXX and on XX/XX/XXXX I received the email from the merchant with the cancellation and the attempt to refund my money back, but that never happen. After several attempts with the merchant without answer I decided dispute the charge with AMEX. The disputed was opened with the evidences of the cancellation but AMEX closed 3 times after a month each time, without checking the documentation provided by me and using, as a justification, the feedback from the merchant saying that I never cancelled the reservation, that obviously it is totally False, or that they issue a voucher that I never received and I'll never accept. 
Today I asked for the 4th time to dispute again and I provided, again the emails from the merchant with the details about the cancellation done during the free cancellation period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was traveling home from XXXX went through XXXX and was forced to make charges on my credit cards {$1800.00} XXXX approx. {$1800.00} Bank Of America. A man posed as XXXX XXXX, another guy jumped in at airport and we picked up a third man later. Pretty sure the men put something in my drink during the evening and when I asked to leave was told I could not basically I was XXXX. I did not have working cell phone because it was turned off while I was in XXXX. The XXXX men took me to XXXX separate gas stations buying nearly XXXX of some sort of tickets/cards, they tried to get me to take more money directly from the cards using ATM and I entered incorrect PIN before finally taking me to the airport to catch my next flight. I never touched the items bought, the three men kept all of the cards/tickets! The second gas gas is where the BOA card was used and I didnt sign for anything but card was still used by the XXXX man. Filed reports with XXXX XXXX XXXX contacted Credit card companies to let them know situation. My flight originated in XXXX and landed at XXXX on XX/XX/XXXX at XXXX XXXX at approx XXXX XXXX  local. My next flight XXXX was scheduled to leave XXXX at XXXX XXXX on the XXXX. The credit card company asked me to contact the XXXX police which I did XX/XX/2019, XXXX Police ref # XXXX. In short the credit card companies are billing me for unauthorized charges, I did not authorize three men posing as XXXX drivers to force me to give them me credit cards and steal the items they wanted bought. I am military and the credit card companies are charging me fees, late charges on the unauthorized charges and ruining my credit. I was XXXX to XXXX beginning XX/XX/2019 and just came off of military orders. Any help you can offer would be greatly appreciated.

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 2020-10-23 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: Chime Financial Inc
State: NY

Complaint narrative:
I have a Chime checking acct. For the last 5 months my unemployment benefits have gone to this account like clock work. The same day the same time every single week never any different. On Monday XX/XX/2020 my unemployment benefits were releases to my bank acct via direct deposit. Today is now Friday XX/XX/2020 and my money is not in my account. I have called numerous times and they keep saying its my employer but I have proof it was sent. It is happening to thousands of people and only people with Chime. Everyone else got paid. Its not everyone 's employer all over the world. My money is always in acct by Tuesday morning never any later. Chime is not providing no answers just lying to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Per the Cares Act, I requested my mortgage company XXXX XXXX  put my loan on forbearance. They granted this request from XXXX. I was told by at least 10 people from this company this would never show up on credit report. On XX/XX/2020 I opted out of forbearance and paid my balance in full. I was again told at this time that this would never affect my credit report and I could go back to making regular payments on XX/XX/2020. I am now getting notifications from credit bureaus that my loan is 120-180 days late which has completely XXXX  up my credit. Extremely disappointed in 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 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Per the Cares Act, I requested my mortgage company XXXX XXXX  put my loan on forbearance. They granted this request from XXXX. I was told by at least 10 people from this company this would never show up on credit report. On XX/XX/2020 I opted out of forbearance and paid my balance in full. I was again told at this time that this would never affect my credit report and I could go back to making regular payments on XX/XX/2020. I am now getting notifications from credit bureaus that my loan is 120-180 days late which has completely XXXX  up my credit. Extremely disappointed in 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