vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
In XX/XX/XXXX I qualified for a mortgage Forbearance due to Covid, the Forbearance ends XXXX XXXX. My property is located in XXXX, Fl and I am a XXXX XXXX who runs a XXXX XXXX XXXX XXXX ; I am also a XXXX XXXX. Due to the Pandemic I was unable to have students at XXXX XXXX and due to worry and concern over the potential impact of a Forbearance I made calls to the mortgage company, Specialized Loan Servicing, on a frequent basis throughout the forbearance period and had my accountant on the phone with me during these times to ensure that I understood everything and did not miss anything. As I have gotten closer to the end of the forbearance period my accountant and I have made weekly calls to ensure that the process of resuming the mortgage payments would be manageable. I was assured that Specialized Loan Servicing would modify the loan and that all missed mortgage payments would be applied to the back of my loan and that the term of the loan would be extended and that I would resume my monthly payments as before.

Today my accountant and I once again contacted Specialized Loan Servicing because they were to send us loan modification papers which had not been received. At that time I was informed that I have two options, to pay the forbearance amount of {$29000.00}, which had been explained to me before, or if I modified the loan then my monthly mortgage payment would increase from {$1700.00} a month to {$3000.00} a month because they would escrow taxes and insurance. In all the many conversations that my accountant and I have had with Specialized Loan Servicing over the course of the past 18 months, many of which were recorded, it was never mentioned that when payments resumed that property taxes and insurance would be escrowed. As I struggle to resume working and managing monthly mortgage payments I am unable to afford to have my monthly mortgage payment doubled. During the pandemic I struggled to make sure that both property insurance and property taxes were paid on time. I depend on XXXX XXXX to support XXXX XXXX  and feel that it is grossly unreasonable for the mortgage company to change the terms of my original loan to escrow monies which will impact my ability to meet my monthly obligations. Today when my accountant and I shared this with the Specialized Loan Servicing representative she checked her notes and agreed that through the many calls made regarding the Forbearance and loan modification this information was not shared.

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 2021-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion Credit Reporting Company, TransUnion recently conducted two investigations and found my claims of incorrect information to be correct. 

XXXX XXXX XXXX XXXX XXXX was deleted from my credit report. 

XXXX XXXX XXXX  XXXX  ( XXXX ) account balance was corrected. 

My resulting credit score is XXXX. 

I applied for a house rental through XXXX XXXX XXXX today, and they use TransUnion to determine creditworthiness. 

The TransUnion report they pulled today shows my Credit Score as 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 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2021, XXXX dollars were taken out of my checkings account inside my local Bank of America branch with a teller. My account was a shared account with my father XXXX XXXX XXXX. This account is used by me to put my XXXX XXXX money. I did not authorize or make this withdrawal, neither did my dad. Two days later, on XX/XX/XXXX, I called BofA and made a fraud claim. The fraud department took three months with their investigation and replied to me on XX/XX/2021, denying my claim to refund me my money. The reason, as stated on their letter, was because my pin was used. I appealed this decision and asked them to re-open the case and investigate. On XX/XX/2021, they denied my case once again. Having no other option to appeal since my case was denied twice, I went to my local branch and spoke with the branch manager named XXXX. She told me the branch would start a branch investigation. This process took long as well, about 2 months, with me always checking on the status of the investigation. On one of my checkups she told me the fraud department had sent her some footage and it looked like neither me or my father on the footage. I later checked in with her again and she told me that their case was closed for the same reason, that they found my pin was used. I am now with my arms crossed since I need those XXXX dollars to pay my XXXX. Someone stole XXXX dollars out of my tuition funds.

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 2021-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: BELMONT FINANCE LLC
State: NC

Complaint narrative:
This Company as reported to my Credit profile 2 late payment in which I dispute Please Delete the late payments from my consumer report, this agency is in violation of 15 USC 1681.Futher more when I sign up I had a contract with the Company XXXX  and they called this company and sign me up with Belmont Finance LLC .

According to Congress, 15 U.S.C. 1681a to XXXX if Congress said that your consumer report does not included Transactions or Experiences between the consumer and the person making the report The line of Credit at what you use is a transaction. Transactions are payment histories, My Experience is the line of Credit, So if the consumers report does not included Transactions or Experiences where does this late payment on my report from this company comes from. It does not exist according the please remove.Consumer report.

( 1 ) In general.

The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for -- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.

Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
I found that I had a collections account from Knight 's Adjustment Bureau on my credit report for {$1000.00}. 
I contacted Knight 's AB and was told it was for a debt with XXXX XXXX XXXX. I told them I had proof of payment and disputed the charge. Knight 's AB sent me their documentation of the debt, which showed a principal amount of {$770.00}. 
I reviewed the debt and sent documentation of my insurance payments and personal payment, which showed a difference of {$57.00} ( between the allowable potion of the insurance and my payment ) and again disputed the debt and requested the collections be removed from my credit report. 
I also disputed the collections with the Credit Bureaus, but only one removed the debt. 
I then received another letter with documentation showing XXXX had " billed '' me in XX/XX/XXXX ( after I had returned the medical device in XX/XX/XXXX ) for a full sale at {$740.00}. It also states that the allowable sale amount of the device was {$870.00} and they applied {$73.00} in payments for an outstanding balance of {$800.00}. 
None of the documentation they provided shows the principal amount of {$770.00} which they are using to report to the credit bureaus. 
When I asked why they couldn't provide documentation of the amount they told me I had to talk with the original debtor. I don't understand how a collection agency can continue to collect a debt and just wash their hands of any responsibility of whether the debt is valid, especially have I provide proof of payment and show what their documentation doesn't match the amount being collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, I have been paying on a {$16000.00} student loan since XXXX that today still has a balance of approx {$12000.00}. In the XXXX timeframe, my job was eliminated and I was forced to pay close to $ XXXX monthly for ObamaCare so I was unable to pay the student loans for small period of time. When I began working again, I was forced to pay {$5000.00} which I'm finding out now that none went towards my loan at all. The servicer, XXXX, doesn't even have record of that payment. 

Further, approx 50 % of my monthly payment is going to interest. 

I find that this loan is the clear definition of predatory lending. I will not pay on this any longer while others have their debt erased.

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 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: CO

Complaint narrative:
In XX/XX/2021, I submitted a CFPB complaint ( ID XXXX ) against KeyBank over their failure to pay a {$400.00} promotional bonus for opening a Key XXXX XXXX account. On XX/XX/2021, KeyBank issued a response letter stating they would credit the {$400.00} to my checking account, and that the amount would be reflected on the " next account statement. '' It has been more than four months since KeyBank made this promise in response to the original CFPB complaint, and they still have not credited the {$400.00}. Throughout this time, I've contacted their customer service on multiple occasions to ask about the status of the payment, and each time the customer service rep assured me they were working on it and I would see the credit " soon. '' The last time I made contact, over a month ago, I was told the person at KeyBank in charge of my case would send me a letter in the mail. I never received any letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I had a vehicle loan with Santander USA, We reached a settlement and they told me once debt was satisfied they would delete from all 3 credit reporting agencies. I paid debt off and it's still showing up on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
If your original creditor sold your debt to a collection agency, they also wrote off your debt on their taxes which wrote off your obligations to pay. The dispute reason is contract was canceled. No contract means no lawful or legal obligations have formed between me and the alleged creditor

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 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I AM REQUESTING ALL DOCUMENTATION FROM EMC MORTGAGE FOR THE YEARXX/XX/XXXX FOR PROPERTY ADDRESS XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS A FRAUD LOAN WHICH WAS TAKEN OUT PRIOR WHICH MEANS THE HOME HAD A CLOUD ON THE TITLE. WE WERE UNDER THE IMPRESSION WE HAD TAKEN OUT A LOAD WITH XXXX XXXX HOWEVER, THIS WAS NOT THE CASE THIS IS NOT A DUPLICATE MORTGAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE

Complaint narrative:
USAA FSB will not honor a divorce degree regarding debt. The legal documents showing me having XXXX liability for the specific account have been provided to them several times. Hours of phone calls and being transferred to countless departments. Now they have lowered my credit score by 48 points. Claiming my credit card is past due. A credit card that I have not needed to pay nor been liable for in almost 6 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 
CFPB FAIR resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: Avant Holding Company, Inc.
State: PA

Complaint narrative:
This is XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AVANT. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: NY

Complaint narrative:
Experian is reporting inquiries that was not made by me.

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 2021-10-21 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on SYNCB PPC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-10-21 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am asking for help in recovering {$180.00} that's missing out of my Chase savings account on XX/XX/2021 I withdraw {$61.00} from my savings that left balance of {$19.00} and change in it later on that evening on XX/XX/2021 I transfer two {$60.00} both to my everyday checking at Chase but somewhere someone changed it and one went into my Chase everyday checking and one went into my everyday checking at XXXX XXXX which they say they did not receive still someone in XXXX XXXX created a transfer of {$120.00} telling Chase that I did not have enough money in the bank I never made this request XXXX XXXX tried to charge me a {$35.00} in significant fun fee but they reversed it yet still whoever had my {$120.00} along with my {$60.00} at XXXX XXXX have not returned it Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SYNCB ONDC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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