vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 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: TX

Complaint narrative:
Synchrony account with equal payments and deferred no interest payments. Made 2-4 extra payments the last 3 months to pay off soon to expire promotions. Payments in addition to minimum payments are supposed to be applied to high interest or soon to expiring promotions. In my case all extra money was applied equally to all promotions resulting in one promotion to expire with interest charged. After 3 messages thru my online portal with whoever responding with payments were applied or just ignored the question replying with here is your balance. Called spoke to a person was told my statements show my payments applied after 20 mins back n forth the agent she agreed that anyone would want high interest paid off first. But that is not how the computer reads the payment and can only equal payments. Can not unapply payment after applied in their system. I told her this was wrong.

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 2021-03-17 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: AL

Complaint narrative:
On XXXX sent in letters regarding inaccurate reporting false items on my credit report and I have not receive any respond yet. I feel like I'm being ignored of my disputes. This deceptive practices by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
As lenders continue to offer struggling borrowers payment accommodations, Congress last week passed the CARES Act. The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. The Bureaus statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief. The continuation of reporting such accurate payment information produces substantial benefits for consumers, users of consumer reports, and the economy as a whole. 

In XXXX of XXXX I lost my job and immediately went to my bank and requested a forbearance and got one beginning on XXXX of XXXX. I made the monthly payments of XXXX as agreed upon in the forbearance plan. In XXXX of XXXX I got a job and immediately asked for a loan modification. I still was making the XXXX for the foreberance payments and I received the trial modification paperwork in XXXX of XXXX. I was to make XXXX, XXXX and XXXX payments of XXXX + in order for the loan to totally be modified. I made each of these payments on time and in fact early for XXXX, XXXX and XXXX. The bank has reported that I was late for XXXX XXXX and XXXX on my credit report. According to the statement above with the CARES act this should not of happened. I need this corrected as I am having trouble with getting any credit with the bank reporting I was 90 days late. You can not get through to anyone to fix the problem and that is why I am filing this complaint.

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 2021-03-17 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: CA

Complaint narrative:
I have reached out the Equifax multipole time over 2 years to fix error in my credit report. other companies like Experian fixed it right away but for some reason Equifax refuses to provide any proof the accounts are opened by myself. 
here are the accounts that are NOT mine Date : XX/XX/XXXX Bank : XXXX XXXX XXXX Amount:XXXX Date:XXXX  Bank : Comenity bank/ Anntyl Amount : {$920.00} Date : XX/XX/XXXX Bank : XXXX Amount : {$4900.00} Date : XX/XX/XXXX Bank XXXX XXXX XXXX XXXXXXXX Amount : {$6300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
We paid off our mortgage with Dovenmuehle Mortgage on XX/XX/XXXX. We received a pay off confirmation letter dated XX/XX/XXXX. The amount of our escrow is {$11000.00}. As of XX/XX/XXXX they have yet to return the money to us. Below is a summary of some of our over 25 phone conversations with Dovenmuehle Mortgage : On XX/XX/XXXX we were told by representative XXXX that Dovenmuehle was able to direct deposit our escrow refund since we had not yet received their check in the mail. We e-mailed a voided check to the e-mail she provided and was told that in XXXX days we should receive the deposit. We never received the deposit. 

On XX/XX/XXXX we called them to see where the deposit was and were told by representative XXXX that direct deposit was not an option. XXXX was going to have another check issued and we should absolutely have it on or before XX/XX/XXXX. We never received the check. 

On XX/XX/XXXX we spoke with supervisor XXXX XXXX initials LRO ) that the check was mailed on XX/XX/XXXX. She was putting a tracer on that check to see where it was and was reissuing another check on XX/XX/XXXX. She said she would request this check to be sent to us via overnight mail. We never received the check. 

On XX/XX/XXXX we spoke with representative XXXX XXXX initials XXXX XXXX who said that once the loan is paid off a check for the escrow refund is automatically cut in XXXX weeks. I then requested to speak to a supervisor. She directed me to XXXX XXXX initials XXXX XXXX who told us that she would have to research where the check was and that would take 24 hours. She guaranteed us that she would call us back on XX/XX/XXXX. We never heard from her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-03-17 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: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/2021, I went to the US BANK at XXXX XXXX XXXX XXXX in XXXX XXXX to make a deposit of {$500.00}. 

Initially upon entering the crunchy bills into the ATM, it rejected the deposit and spit it back out. I then straightened the bills and re-inserted them into the machine. That is when the ATM did NOT return all of my cash to me. 

I immediately went inside to speak with a banker. They referred me to the US Bank 1-800 number. I filed a claim with a banker over the phone on this very same day. 

Fast forward 3 weeks, no response. 
I then called US Bank again, and was told that a claim was never filed on XX/XX/XXXX. 
To my confusion and frustration, the gentlemen submitted another claim for me. That was on XX/XX/XXXX. 
It has been beyond the 7-10 business days. 
I have been calling US Bank diligently these past several weeks to no avail ; getting the run around from each banker and supervisor. 
This is truly disappointing as I have never had such a terrible issue with US Bank.

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 2021-03-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I was misled by false advertising stating that the inquiries on my credit report would be soft pulls and they all turned out to be hard pulls tried contacting the creditors about the problem because t non of the issues were rectified so I then next contacted the credit agency that placed these hard inquiries on my report to resolve the issues, and nothing happened.

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 2021-03-17 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-03-17 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: FC HoldCo LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-03-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
Ive ordered a new card and I still have not received my XXXX BENEFITS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have sent couple letters to this company requesting debt validation and have received nothing but account is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
called customer service at Chase bank XXXX and local branch XXXX. Both lines stated they are busy and did not pick up, hung up on me. XXXX XXXX stated this phone issue was " beyond their control ''. 

XXXX phone requires that a debit, account number or user ID be entered. User ID doesn't work and debit card is not activated and I don't memorize a checking account number. Automatic system requires one of the above 3 items to get transferred to CSR for account servicing, or customer is hung up on. 

I am unable to track and receive a XXXX payment. This was the reason for call today. This has been a problem in the past with not receiving XXXX payments. This electronic transfer of funds is slow and inconvenient. Not quick as bank advertises in XXXX ads and banners online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: DISCOVER BANK
State: NV

Complaint narrative:
XXXX Have a sales rep from Discover til me to open Business Discover Card as it's better for business owners. I said I have great credit and confirmed it will not be reported on personal and is true Business Card reported on my ein. The rep said it would not. 2 weeks I see my credit has gone down from XXXX to XXXX XXXX Inform Discover Business its being reported on my personal and new rep states he is not aware of how that works and I let it go XX/XX/XXXX *Discover Business account has log in problems and balances do not seem accurate Call Discover Business to ask XXXX released deposit hold and no charges were made from them. Rep confirms no charges are on from XXXX XXXX Call to confirm no charges were placed from XXXX. XXXX says no charges were placed XX/XX/XXXX I finally able to log-in and see had transaction from XXXX for XXXX placed which was mistake as Insurance had paid them directly, Call Discover to start dispute XXXX Call Discover to confirm on dispute for XXXX double billing and and to open dispute for merchant that had gotten me sick from health code violations. 
-Discover rep is constant giving me misleading info and ask to speak with his XXXX. He continues to argue and tell him I am sick ask him please to pass me to his supervisor as it's difficultfor me to talk. He keeps me on hold for long periods of time and we get into argument. 
XXXX After getting no help and being misled, Call Discover Baxk to ask about my current balance for payoff and now getting different answers conflicting and ask to speak with supervisor for commutation of many direct matters from misleading sales reps, in accurate information, log in issues. I said this is illegal and as consumer and shareholder of 4 years demand a call back from executive office. 

XXXX Get letter with no warrant outside I was being rude that Discover is closing both my accounts. I speak with someone finally in executive office and the investigator has no facts or knowledge of what actually transpired. I let them know I been great customer of consumer card and was misled into signing up for Discover Business and the reps in Discover Business are very unknowledgable and often contradicting what another reps says. I signed up for Discover Business to help my business not only did effect credit as consumer but never get honest answer. I have had many credit cards including Discover Consumer and never been misled to this degree. Them closing both my accounts will only damage my credit and in statements made by rep feel this is retaliatory against my credit and grounds for defamation. If I did not have near perfect score and looking to buy house and feel this threat and illegal as credit card and bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FISERV FINXACT CORE
State: MO

Complaint narrative:
Money Network abruptly placed a hold on my account for a reason I'm not clear on and will not help me with getting it back up and going. I was told to show receipts for specific transactions made using the debit card, which I did, but this resulted in nothing. I have not been able to get help from the customer service representative for over a week but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Money Network quite frequently. This account is used to pay my bills so I need the hold removed immediately. My email linked to my Money Network account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We sent the Loan pay off by wire transfer on XXXX early in the morning, 2 days after they didn't credit the account yet and refuse to inform where are the funds sent to pay off the Loan.

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 2021-03-17 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: FL

Complaint narrative:
I am sending letters to the credit bureaus and they have not responded, I have incorrect accounts and unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Brown and Joseph, Ltd
State: TX

Complaint narrative:
We have insurance through XXXX financial for business and its being withdrawn with auto pay, suddenly we are receiving repeated calls from this debt collector ( listed below ) for unknown numbers, we are going through tough times and spent last 2-3 months with multiple 911 calls and hospital due to XXXX and this company keep calling during the entire time and sending threats, last chances and all those wording! when responding to their email the person does not exist and email got returned! 

Please take an immediate action against them while we continue to check with XXXX and resolve this issue once time permit. 

XXXX XXXX Toll Free : XXXX x XXXX Direct : XXXX FAX : XXXX Brown & Joseph , LLC Accounts Receivable Management Firm Credit and Collection Specialist XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois, XXXX Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I called SLS ( Specialized Loan Servicing ) and told them my income was reduced due to Covid-19. I asked if they have a Foreclosure Forebearance program. They said they would mail me some information. They never did. I also asked them who owned my loan and they refused to disclose it. They told me to write them a letter and ask who owned my mortgage and they would tell me in writing. I wrote to the address SLS provided asking who owns my mortgage and they never responded. When I log into SLS website they will not allow me to pay just my monthly mortgage ( {$900.00} ), they add on accrued late fees which brings the amount above which I can afford to pay ( {$1400.00}. ) The only way to pay just my mortgage ( {$900.00} ) is to send a check by mail which is slowed by USPS resulting in more 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 explanation