vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Amazon/Syncrhony Bank * In XX/XX/XXXX, I purchased several items from XXXX  for less than {$300.00}. Amazon confirmed that I promptly returned these items. See Attachment 1. The charges were made on the credit card of Amazon 's agent, Synchrony Bank. 
* Amazon offered me a gift card for the returned items but I asked for a cash refund on my credit card. Amazon agreed. 
* Even though it is undisputed I returned these items, Synchrony refuses to acknowledge that I have a XXXX  balance, and continues to charge late fees for the returned goods. 
* When I first called Amazon, they told me it some times takes a few weeks for Synchrony to receive confirmation that the goods were returned. 
* When Synchrony continued to demand payment for the returned goods, I made multiple, fruitless phone calls to Amazon and Synchrony to fix this problem. Since XX/XX/XXXX, I have spent about 12 hours on hold, on the phone, sending emails, writing letters, and on the chat lines for both Amazon and Synchrony. Each company blames the other. 
* On XX/XX/XXXX, I filed a written complaint with Synchrony Bank about their fraudulent billing practices. See Attachment 2. 
* On XX/XX/XXXX, I filed a written complaint with Amazon about the fraudulent billing practices of their billing agent. See Attachment 3. I used the address on Amazon 's web site. The letter was returned saying that the very address Amazon provided is wrong. See Attachment 4. 
* On XX/XX/XXXX, I contacted Amazon via an online chat because they are not accepting phone calls. Over my objection, Amazon transferred me to an online chat with Synchrony. 
* On XX/XX/XXXX, I had an online chat with two Synchrony agents, XXXX and XXXX. When I asked for an accurate address to write Amazon to file a complaint, they gave me the same incorrect address I mention above. 
* In contacts with Synchrony before XX/XX/XXXX, I was told that the late fees and charges were for the goods I returned. In the online chat on XX/XX/XXXX, XXXX told me a different story -- that the late fees are based on the aforementioned gift card which I rejected. 
* As a result of the fraudulent billing practices, my usually good credit rating has been negatively affected. 
* Synchrony now demands over {$100.00} in late fees.

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 2020-05-19 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX Called Target and spoke to representative for an hour on the phone disputing late payments reported on my account. He admitted their system had a glitch and he would reverse my late payments fees and he said he would update the correct info with all credit bureaus. He also updated my new address. He told me everything should be updated on my credit report by XX/XX/XXXX. The reference number for our call was # XXXX The inaccurate late payment dates were reported XX/XX/XXXX XX/XX/XXXX The late fee payments were credited back to my account but the late payment history still shows on my credit report. They refuse to remove inaccuracies on my account. 

Ive called Target XXXX XX/XX/XXXX and XXXX XX/XX/XXXX and they refuse to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 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: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

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 2020-05-19 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: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

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 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I've contacted Caliber loans over the past six months, in at least four phone calls to remove PMI. Each time, I was given conflicting information. Since I was unable to get an appraisal done, I ended up paying down the mortgage to under 78 % of the original value on XX/XX/XXXX. Since the inception of the loan, I've never made a late payment, usually paying several months in advance. On the day the payment was posted, I contacted Caliber to let them know that PMI should automatically be cancelled. Since then, my next payment still shows the PMI payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud on my credit report. The creditors said that they had notified Experian of this and it is Experian who should make these changes by removing the inquiries. 

XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX- XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX/XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX- XX/XX/2020 XXXX XXXX- XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX XX/XX/2020

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 2020-05-19 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: AR

Complaint narrative:
I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$180.00} XXXX  XXXX   XXXX {$450.00} XXXX  XXXX XXXX {$120.00} XXXX XXXX XXXXXXXX XXXX {$390.00} XXXX XXXX {$660.00} XXXX  XXXX {$950.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$60000.00} XXXX XXXX XXXX {$1100.00}

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 2020-05-19 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: AR

Complaint narrative:
I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$540.00} XXXX XXXX  XXXX {$180.00} XXXX  XXXX   XXXX {$450.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX {$660.00} XXXX  XXXX {$950.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$60000.00} XXXX XXXX XXXX {$1100.00}

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 2020-05-19 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: AR

Complaint narrative:
I pulled my credit to myself for the firstime in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY FILED {$0.00} CHAPTER XXXX DISMISSED {$0.00} DEPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$620.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: PA

Complaint narrative:
items need to be removed and deleted from credit, inaccurate information is being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received a second mortgage from Bank of America in XXXX. I had problems paying the mortgage in XXXX. I applied for a modification. They kept asking for documentation. I kept sending in the required documents and they never gave me a modification. I could not pay the loan. They would not negotiate any payments. BOA wrote it off as a charge off and now they have assigned it to a collection agency for $ XXXX. I am current on the first mortgage which was modified in 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 2020-05-19 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: AR

Complaint narrative:
I pulled my credit to myself for the firstime in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY FILED {$0.00} CHAPTER XXXX DISMISSED {$0.00} DEPTEDXXXX XXXXXXXX {$2000.00} DEPTEDXXXX  XXXX {$620.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$790.00}

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 2020-05-19 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: AR

Complaint narrative:
I pulled my credit to myself for the firstime in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY FILED {$0.00} CHAPTER XXXX DISMISSED {$0.00} DEPTEDXXXX  XXXX {$2000.00} DEPTEDXXXX  XXXX {$620.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX {$790.00}

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 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: GA

Complaint narrative:
In XXXX of XXXX I was referred to a Loan specialist, mainly because of a home buying program XXXX XXXX XXXX that her company offered at the time. I had a telephone conversation with her and documents were submitted, credit check done, all the preliminary things to start the home buying process. I was informed by the loan specialist that I was not eligible at the present time for the loan program due to a foreclosure in XXXX of XXXX, but would become eligible in XXXX of XXXX, 2 years post the foreclosure. she referred me to a realtor and suggested I start looking for a house so I would be ready in XXXX to purchase. We started looking for a house slowly as I wasn't in any rush. I found a house in mid XXXX that was still in the building process. we contacted the builder and was told they have a preferred lender. I opted to go with the preferred lender because they had better buyers incentives to offer. I was given the preferred lenders information and I contacted them in XXXX to discuss purchasing that house. the first person of contacted was the Loan originator he took all the preliminary information to start the process of securing a loan.All communication was via telephone and emails except for one occasion when I met a member from the processing team in person where I submitted. pay stubs, bank statement, ID, W2 thing of that nature was given to him. The original loan application was done over the phone and sent o me viaXXXX to sign the yellow highlighted areas and return to them, The foreclose in XXXX was mentioned and I was informed and at the time was never a issue, the process went through smoothly and I closed on the house XXXX XXXX. In XXXX of XXXX in received a letter from the main office DEMANDING THAT I EITHER PAY BACK THE LOAN OR REFINANCE OR FACE FORECLOSURE IN 30 DAYS. reason for such decision is that my foreclosure back in XXXX was not mention while trying to secure the loan. That information was in fact discussed with the loan originator my relator was aware the previous loan specialist was aware. and it public record.I have tries to get the loan refinance through my credit union, banks but have not been able to do so. paying off the loan is not a option so I am left in impossible situation. 
I contact a attorney and I was referred to CFPB for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi bank is a most of 4 big banks in USA, But I didnt think that they have such a bad chat, long phone wait time and the worst part is online banking - access limit to everything for checking account customers. To dispute the transaction, I need to print a paper form and fill out a pen, then scan and send them. This is a very old form method. My problem is that after I sent them a form to dispute the amount of {$400.00}, I did not notice anything. In the chat they say call dispute team, but there the waiting time is long. 
Is it impossible to simply operate your online banking for access for all needs?

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 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MA

Complaint narrative:
I had an automated debit scheduled with Discover credit card, on XXXX to take {$140.00} out of my checking account to pay my credit card bill. This is completely automated and has always taken processed correctly the day my payment is due, the XXXX. On XXXX I logged onto my Checking Account to see I got an return check fee of {$30.00} levied against my checking account. I contacted the bank and they told me Discover did not attempt to bill me till XXXX. My bank attempted to process this charge that occurred on XXXX, after a series of withdrawals and point-of-sale purchases that occurred from the XXXX to the XXXX, in order to force the bill to present against insufficient funds. There were sufficient funds on the XXXX, XXXX, XXXX, and XXXX. The bank deliberately processed a sale that occurred on the XXXX first before the credit card charge from the XXXX, in order to force the insufficient funds when they should have been blocked at point-of-sale. 

I contacted Discover customer service and spoke to XXXX, XXXX XXXX. She informed me that my payment was withdrawn from my checking account, and was cleared - I would not have any late payment penalty or fees and my bill from the XXXX was withdrawn from my bank and paid on time on the XXXX. I reported my bank for defrauding me with the return check fee, which is still pending resolution with the FDIC. 

On XXXX Discover filed a return charge of {$39.00} dollars and rebilled my checking account. 

On XXXX I logged into my online banking with Discover and return fee and rebill. This means that both my bank and Discover lied maliciously about the date of the transaction in order to defraud me with bogus fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint mortgage servicing has repeatedly attempted to charge me of unnecessary property insurance coverage. They are well aware that insurance is in place and this information has been provide to them repeatedly. Yesterday, XX/XX/2020, I was notified of the company 's intent to charge me {$1500.00} for hazard insurance retroactively, even though a policy is already in place which names them. 

Shellpoint mortgage servicing has failed to pay for property insurance or property taxes out of the impound accounts all though more than sufficient funds are available. 

A review of the XXXX XXXX XXXX reveals 210 complaints of a similar nature.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance One, Inc.
State: NJ

Complaint narrative:
Alliance One debt collector Account # XXXX Creditor : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  BALANCE DUE : XXXX I ONLY WILL DEAL WITH THE ORIGINAL CREDITOR TOLL FEES WERE PAID THIS XXXX IS SOME ASSESSED LATE FEE ( S ) ADDED ON AS ADDITONAL MONEY OWED I AM TAKING IT UP DIRECTLY WITH ORIGINAL CREDITOR ONLY- ASKING FOR A WAIVER OR FORBEARENCE DUE TO NATIONAL EMERGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2020, I contacted CitiBank 's credit card customer service to request a refund of over payment for the amount of {$980.00}. The customer service rep informed me that the refund amount would be direct deposited to my bank account ( using the information I provided her ) in 3 days. 

Having not received the refund, I contacted Citi again on XX/XX/XXXX, and was informed that the request was originally declined and re-submitted by them on XX/XX/XXXX. The supervisor I spoke with XXXX XXXX from Arizona, case # XXXX ) would not provide details on why this happened, or why I was not informed. Furthermore, when I requested a date that I could expect the refund to be processed, he said that was not possible and I simply had to wait for an indeterminate amount of time, without any assurances, because it had to make its way through their system for approval. 

It is unacceptable that CitiBank is allowed to simply keep my money for as long as they want ( well past the originally promised 3 days XXXX, despite my having followed all the required steps to request a refund.

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 2020-05-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Due to COVID-19, I have negatively financially impacted. It is my understanding that based upon the Governor 's order that there would be a mortgage forbearance, however, that is not true. Select Portfolio Services is instead deferring my payment three months and then requiring me to pay a lump sum payment which does not help me. My understanding was that the payments were supposed to be moved to the end of my loan. Likewise, Select has now threatened foreclosure if I can not pay. I have tried to reach out to them, but they will not work with me. It is my understanding that they are violating the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation