vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
XX/XX/2020 at Huntington Bank XXXX XXXX, XXXX  XXXX opened XXXX XXXX check account. Personal banker Mrs. XXXX took information, deposited initial deposit of {$12000.00} which would be half of balance needed for requirements to receive a {$500.00} bonus. We did a {$.00} test deposit so I could go to my account online and make deposits and manage my account. Followed up a couple days later, still no account, unable to manage account or make a deposit. Not even able to locate an account online. Called bank, no answers as to where my account was in this institution. Returned to this bank 's branch in XXXX XXXX, Illinois to receive my initial deposit of {$12000.00} after several calls and confirming with my banks that checks had cleared for the {$12000.00}. After several calls and waiting was able to receive my deposit. Filed a complaint with Illinois AG Office. On XX/XX/2020 received a call from a Mr . XXXX XXXX of Huntington Bank who basically stated " His bank could refuse to open an account with anyone for any reason they deemed necessary ''. I asked for a reason in my case, he claimed he did not know. 
I asked why he called, he stated just to inform me. I I have 800+ credit score, bank relationships with XXXX XXXX and XXXX XXXX . Purchased a home, mortgage from XXXX XXXX in XX/XX/2020. Why no account with Huntington??? I want them to pay the {$500.00} promotional amount that I was prepared to meet the requirements to obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: MI

Complaint narrative:
I applied for XXXX easy pay deal and it said I was not approved due to applicant being deceased. I am very much so alive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX  and Equifax is not allowing me to get access to my mortgage credit scores. I recently made an application to get a first time buyer 's home mortgage loan. When I received my scores from the lender I was not aware of the scores they sent me, a copy of the scores XXXX and Equifax provided them. These score are XXXX 's XXXX XXXX XXXX and Equifax 's XXXX XXXX XXXX model scores. I was able to get a copy of XXXX  's XXXX, XXXX XXXX XXXX score from a membership subscription they provide to me. My mortgage score from XXXX  and Equifax seems to be impossible to obtain. I need access to these mortgage scores from these two credit bureaus to know what they are before applying for a home loan. They are using different models with XXXX XXXX XXXX XXXX XXXX  XXXX ) which is easy to obtain, but this is not the scores used to get a mortgage loan. I recent had an issue with XXXX  not updating and report accurate credit card information. I believe this caused me to be denied over one point ( XXXX  ) with XXXX 's XXXX XXXX XXXX due to not reporting accurate account information on my credit report. Yet, without me having access to the correct credit score model for a mortgage, I am in the dark of when and how this score is updated/calculated. I have a monthly membership subscription with Equifax with the XXXX XXXX  XXXX score of ( XXXX ), but they are not providing me with the XXXX XXXX XXXX score to know my mortgage score. The same issue with XXXX  's XXXX XXXX  XXXX of XXXX. This is very confusing because these two credit bureaus agencies are not being fair on the access to the mortgage scores that the mortgage lender pulled with the application I submitted on XXXX XXXX, 2020. If XXXX  can provide access to my mortgage credit model score, I should have the same fair option to obtain these hidden score from XXXX  XXXX XXXX XXXX XXXX XXXX and Equifax XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This has been a nightmare. In XX/XX/2020 I ordered XXXX XXXX XXXX pills for an advertised price of XXXX shipping and handling for a free sample. I ordered the pills and the oil for the price of XXXX online using my Chase Debit Card ending in XXXX. In XXXX I received a test from Chase that suspected Fraud had been committed on my account in the amount of XXXX and this amount was returned by Chase to my account. The same transaction again posted to my account and Chase advised me to change my Debit Card, which I did resulting in a new card issues ending in XXXX. The transactions were coming thru as XXXX ... as listed on the documentation. Chase later withdrew XXXX from my account and when I asked why explained that the company had charged me XXXX previously so I had done business with them? I was confused but found out from the amount that this was the XXXX XXXX purchase. I disputed it and have gone back and forth with Chase since as they continue to take the XXXX out of my account. I was told by Chase to contact the vendor and tell them I disputed the transaction and that I did not want the service. I did this and informed them that they never advised a withdrawal would be coming out of my account for such an amount, I was told it was a free sample. The company denied that they did not disclose this charge. Chase on XX/XX/2020 once again reversed my dispute and told me I would have to take it up with the vendor. This company should be stopped from false advertising and from billing the bank in an unknown name after a purchase has been made. Chase should not honor such charges. I am not the only Chase customer who has experienced this, I am told.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: NC

Complaint narrative:
My hardship began the day I moved into my home in XXXX when the sewer backed up and flooded the downstairs causing extensive damage and repairs beyond what homeowners insurance covered. I notified Highlands Residential Mortgage in early XXXX that I was having financial difficulties due to a cascade of events beyond my control and wanted to work with them for a forbearance or loan modification. I submitted a hardship package with requested information to Highlands in XXXX/XX/XX/XXXX On XX/XX/XXXX I received a letter from Highlands stating they had received my loss mitigation package and that a review performed on XX/XX/XXXX determined the application was complete. On XX/XX/XXXX I received a letter stating they reviewed the loss mitigation package and that I needed to return a hardship letter and documentation detailing the hardship - which I submitted again. 
On XX/XX/XXXX I received a letter stating I had been approved for a HAMP modification. I signed and returned the agreement by their stated due date via fax and postal mail. in addition to calling them. 
I remained in constant touch with Highland to see how the process was progressing and to determine my next steps. 
Subsequent to accepting the modification I received a call from Highlands stating the HAMP modification was an error and I needed to start over, so I submitted another hardship packet. 
On XX/XX/XXXX I received notice from Highlands that they had received my hardship packet and on XX/XX/XXXX I received a letter stating that it had bee reviewed as of XX/XX/XXXX and determined it was complete and no further information was required. 
On XX/XX/XXXX I received a letter from highland stating that in order for them to determine my eligibility I need to return a hardship letter, proof of hardship and HOA bill which I submitted immediately. 
I was in communication with highlands via phone several times to inquire if they had everything they needed and was informed they had. 
On XX/XX/XXXX after again telling me my application was complete I received a letter from them saying my application was incomplete and I had missed deadlines for missing documents. 
Whenever they request information from me I email or fax ASAP. Highlands on the other hand mails me notices that take 10 to 14 days or more to reach me and have changed their website so that customers who are in default can not access documents on line. 

As of XX/XX/XXXX, and XXXX I have again submitted hardship information to Highlands. I want them to work in good faith to modify my loan as they agreed back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: WA

Complaint narrative:
XXXX XXXX and XX/XX/2019 Fed Loan marked me down as 30 days late. 
-I disputed this because I was on a deferment. Instead of fixing it, they marked me 90 days and 120 days late -I have tried disputing this since then and they DO NOT fix it. 
-I have documents on my loans that show I was on a deferment and should not have EVER been marked late. 
-This is ruining my credit and am trying to buy a house and they have dragged this on forever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Due to the Covid19 quarantine in XXXX county in XX/XX/2020, my household financial income was affected and thus I elected to enter into my Target Redcard proposed payment plan to help with making payments. I in effect closed my Target Redcard account and entered into a payment plan. At that time I was in need of paying my XX/XX/2020 minimum due in the amount of about {$32.00}. When applying for the payment plan which i was subsequently approved for, I understood from the text of the agreement that the XXXX payment would be optional since the first payment to be drafted was dated XX/XX/2020. This is what the application stated, however upon checking my credit report the following month, I showed 30 days late on my Target Redcard for missing my XXXX payment. Until i applied for this payment plan due to Covid19, I had Never Missed A Single Payment on my Target Redcard. i had paid my card on time for the previous 8 years, never missing a payment and going 30 days late. I disputed this originally in the spring and was told the dispute was " resolved by grantor '', however it still shows a 30 day late mark on my credit score. This is very important to me that I resolve this problem. I am currently enrolled in the above mentioned payment plan and pay each month a fixed amount to my Target Redcard. This dispute was corrected under my XX/XX/XXXX credit report via XXXX XXXX on XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ThisXX/XX/XXXXXXXX account no. # XXXX was opened in XXXX and closed in XXXX by the creditor and no payments were made on it since that time. I started disputing this account in XXXX with XXXX XXXX and based on the date of activity in XXXX this account became obsolete and should have been automatically removed in XXXX. I even disputed this account again in XXXX with XX/XX/XXXX Experian, and XX/XX/XXXX and still received no results. XXXX XXXX continues passing this account by selling it and leaving it open. This is not right, because this account is over 12 years old and should have been removed.

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 2020-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Due to the Covid19 quarantine in XXXX county in XX/XX/2020, my household financial income was affected and thus I elected to enter into my XX/XX/XXXX XXXX proposed payment plan to help with making payments. I in effect closed my XX/XX/XXXX account and entered into a payment plan. At that time I was in need of paying my XX/XX/2020 minimum due in the amount of about {$32.00}. When applying for the payment plan which i was subsequently approved for, I understood from the text of the agreement that the XXXX payment would be optional since the first payment to be drafted was dated XX/XX/2020. This is what the application stated, however upon checking my credit report the following month, I showed 30 days late on my XX/XX/XXXX XXXX for missing my XXXX payment. Until i applied for this payment plan due to Covid19, I had Never Missed A Single Payment on my XX/XX/XXXX. i had paid my card on time for the previous 8 years, never missing a payment and going 30 days late. I disputed this originally in the spring and was told the dispute was " resolved by grantor '', however it still shows a 30 day late mark on my credit score. This is very important to me that I resolve this problem. I am currently enrolled in the above mentioned payment plan and pay each month a fixed amount to my XX/XX/XXXXXXXX. This dispute was corrected under my XXXX  credit report via XXXX XXXX on 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 2020-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I paid an extra {$2000.00} specifically to principal on the Nationstar /Mr. Cooper website yet the company chose to apply that XXXX it instead to interest and principal for a future month and only a small remaining amount to prinicpal. My online confirmation for the transaction that clear shows {$2000.00} was for principal. I was able call and ask to have the payment applied to principal, but i was able to find out that I did everything right and they could not explain how this " error '' occurred. I believe this was actually a company practice in an attempt to perpetrate a fraud on unwitting customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: WA

Complaint narrative:
-I disputed a way someone reported me on my credit report. I did this on XX/XX/XX/XX/XXXX Within hours they said it was " updated '' However they marked me as a collection for XXXX XXXX and XXXX ofXX/XX/XXXX 
-This account was paid and closed in late XXXX. 
-The company was supposed to waive any lates or charges In XXXX, XXXX, and XXXX of XXXX which is what I was reporting. 
-How can Experian just " update '' what they assume without looking into it and then I am the one that suffers. This is ridiculous. 

-TAKE THESE WRONG MARKS OFF OF MY CREDIT. I AM TIRED OF THEM SCREWING THINGS UP WHEN I NEED IT FIXED!

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 2020-11-28 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: NY

Complaint narrative:
There are fraudulent accounts reporting on my credit report. I submitted a complaint with the Federal Trade Commission. Please help me to remove these accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Midland Credit Management has been sending me collection notices for a debt that isn't mine. I have written and asked for validation and copies of all statements. Each time I write they write back and say that they don't understand what I am asking for. It's a delay tactic to cover for the fact that this is an invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

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 2020-11-28 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: NY

Complaint narrative:
There are fraudulent accounts reporting on my credit report. I submitted a complaint with the Federal Trade Commission. Please help me to remove these accounts from my report. You have replied that it wasn't me when I have made previous disputes. So, I have provided proof of ID. It's terrible that I always have to go through with this with this company. Please help! 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 2020-11-28 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

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 2020-11-28 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: NY

Complaint narrative:
There are fraudulent accounts reporting on my credit report. I submitted a complaint with the Federal Trade Commission. Please help me to remove these accounts 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