vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-26 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: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Was never advised or received notice Fifth Third Bank Master Card was  cancelled/closed. There was NO balance on this card as I pay my bills monthly. After attempting to use card it was rejected. Went to research online but account no longer exists. Credit monitoring alerted me that bank had closed card with no reason given or any ( phone, Email, written correspondence ) notification given. It was summarily and arbitrarily cancelled. No files available to upload as I have never received ANY communication from Fifth Third Bank whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
I made three transfers using the remitly application, later I canceled them and I was informed that I would have to wait 10 business days to receive my money, it has been 3 weeks and I do not receive any refund, I try to communicate with the company but I do not have access to the customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I submitted a dispute to ChexSystems in XXXX. I provided documentation showing that I did alert the fraud department of XXXX XXXX XXXX after I felt as though I was scammed. 
I emailed the conversation to myself just in case XXXX  XXXX XXXX alleged that it didn't happen, which they did. 

On XXXX I spoke to XXXX at checxsystems at XXXX XXXX she informed me of a website that I could submit the phone call. She then informed me that their website was not capable to receive it. I asked if there was an email that I could send it to to prove that I did contact XXXX  XXXX  XXXX. XXXX informed me that there was nothing she could do. 
It is very important that I submit all of the evidence that I have regardless of the format that it is in. I hoped that chexsystem would understand that evidence comes in various different forms. 
After their alleged reinvestigation they continue to report that I did not contact XXXX  XXXX XXXX fraud alert Department before they realized that the transaction was bad. this is very important because if there is proof that I contacted them it would show that I did not willingly attempt to defraud XXXX  XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have written to XXXX XXXX Mortgage three times requesting proof that that I my loan was paid for less than the full balance. All they do is to write me and say that I did not fully pay off the mortgage even though my balance is showing XXXX. They never sent me any pay history showing details ... .That is not sufficient proof. They should be providing copies of every monthly statement for the year 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 2020-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a formal notice to Fair Collections & Outsourcing that the account # XXXX claim was being disputed. On XX/XX/XXXX XXXX i received back a letter of Verification of the debt and an invoice. Upon further investigation on XX/XX/XXXX, I retained new copies of my credit reports, and noticed that Fair Collection & Outsourcing did not furnish the credit bureaus with the required disclosure, within the period required by law. which they are required by federal law to place a notice of dispute on my account within 30 days of my dispute. This account is inaccurate and i want it to be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: NY

Complaint narrative:
Experian failed to remove accounts that's not mine and I don't have any knowledge of them on XX/XX/2020, I don't have a XXXX XXXX  account that's delinquent and now it's in collection with XXXX XXXX nor do I have a XXXX XXXX XXXX account thats also in collection with XXXX XXXX, these collection accounts need to be deleted, they are not mine, also on my credit report there's no XXXX XXXX nor XXXX XXXX XXXX that's proof owner ship to these accounts they don't exit on three of the credit bureaus, XXXX XXXX collection accounts needs to 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
Consumer complaint received 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My wife and I froze our credit back in 2017 after the widely reported data breach. We were easily able to unfreeze XXXX and XXXX, but trying to get XXXX to unfreeze has been incredibly complicated. 

We try to reset our PINs, but the PINs they provide don't work for the online service. It is impossible to talk to a human on their customer service team. Their offices are open XXXX on M-F and my wife and I are both working right now. She's a XXXX  and does not have 30 minutes during the work day to sit on the phone with someone. During the COVID pandemic, they're still suggesting mailing several documents as the best approach. We don't have access to all the documents they suggest so we'd have to find a place to go and print which would violate our shelter in place guidelines. 

They are unable to verify my identity despite me entering all of the correct information online.

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 2020-04-26 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:
Source EXPERIAN Alert Date XX/XX/2020 Inquiry Date XX/XX/2020 NameXXXX XXXX XXXX XXXX   XXXX Phone ( XXXX ) XXXX Business Type XXXX Street AddressXXXX XXXX XXXX XXXX XXXX XXXX City XXXX State GA Zip XXXX WHY would SBA pull my credit report? I did not apply for a loan. And, good luck getting through to them now.

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 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To whom it may concern, I am extremely disappointed. I have tried several times to release the freezeon my credit report with Experian, as I have done numeroustimes before but the systemwouldnot allow me to release the freeze. Nothing has changedwith my information, address, social security number, birth date or anything so there is nota reason that I should not be able to release the freeze. So, I triedto call to see if I get get some assistanceover the phone and had no such luck. All the representativewould tell me is that I needed a pin number. Well XXXX, if I had the pin number perhaps I could have releasedit without having to call for assistance in the first place. I was able to release it before without a pin number. So that is all she kept telling me but I was never given a pin number and she could not give it to me over the phone or reset anything so I can gain access to my report, not even if I answered security questions. I understand the whole privacy concern but I could haveanswered any security questions. Instead she tells met that I have to send a copiesof documentation via US Mail, taking God only knows how many days to reach experian, let alone for the pin umber to get back to me get back to me so I can try again. I am trying to purchase my first home and do not need the added stress and delay.

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 2020-04-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: MS

Complaint narrative:
On Wednesday XX/XX/XXXX spoke with a Jade after XXXX and advised her I didnt have the card. She stated to me she was unable to change my address in the system to get a new card - and told me there is money on the card and its inactive- well yea it expired in 2019 and never got sent a new one. I need a new one I have been calling every day since and I have been on hold for almost 6 hours before I hang up. 6 HOURS?! Someone should have answered by then, and this is happening more than once. I have done a change of address at the post office so if she sends the card to my old address I will still get it. I need my funds my rent is due and these people dont answer the phone and she never offered to go ahead and send another one she just wanted me to call someone else. I called those people and my address was updated so someone XXXX  up and I need my money I dont have any food and my car note is due and my rent is due I dont want to be living on the streets. My landlord said I had to pay my rent. I have money on the card its my money.

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 2020-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: General Motors Financial Company, Inc.
State: DE

Complaint narrative:
I have a late payment showing on my loan when it was not late. The payment for that specific month was to be placed at the end of the loan. This is an eye sore on my car loan as I have had no late payments & my account has been active the entire time in this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX violated federal law, by not properly investigating within the required time frame, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will now result in a small claims action against your company. 
XXXX XXXX account was discharged in Chapter XXXX. 
Date filed XX/XX/2017. XXXX XXXX XXXX XXXX. Debtor ( s ) was dismissed XX/XX/2017 In which your company is well aware of. As to date you have tried to collect a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was endeavoring to link my PNC bank account to a digital currency exchange service for investment purposes but was somehow thwarted by PNC. It is my money, and I have the right to channel it whithersoever I wish. PNC needs to authorize such linkage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC Bank states that they can not transfer funds to and from XXXX XXXX. If XXXX XXXX is an FDIC insured financial institution I don't understand why I can not transfer my money to and from it. When asked to provide reasoning for why PNC will not transfer to and from XXXX XXXX, they stated that they do not and can not provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
On XX/XX/2013, XXXX XXXX XXXX XXXX XXXX issued a loan in the amount of {$500000.00} to someone for a property in XXXX XXXX, NY, XXXX. She had 75 % interest in this property and did not consult the heirs who had 25 % interest in this property before taking this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal.com Offsite not on XXXX. 
XX/XX/20 {$71.00} Seller XXXX XXXX Never received item and wrong usps track delivered number ... not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: TX

Complaint narrative:
all ftc violations sent previously company attached : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all accounts XXXX XXXX XXXX  The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.

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 2020-04-26 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: TX

Complaint narrative:
all ftc violations sent previously company attached : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all accounts XXXX XXXX XXXX  The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
have tried over and over to modify my loan SPS hires a real estate to blow up the value of my home I'm always worried about a foreclosure this home is my homestead and valued low

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
loan went from XXXX to SPS we need a lower payment we are XXXX XXXX and with the virus shut down we are totally without income we need assistance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
When XXXX XXXX and XXXX XXXX issued their Covid-19 directives to Servicers when the Pandemic broke in the Us. Stating that Borrowers could miss up to 12 months of payments and it wouldn't impact their Credit Negatively nor would they incur late fees. I contacted my Servicer PHH and was told that they are only offering Three months of forebearance and at the end of the three months all of the back payments would be due in one lump sum. That's not what the letter from XXXX and XXXX states and this would be pushing homeowners into delinquency resulting in no help at all. When I told the rep. This he was confused and stated that's all that is being offered and that's how the program works. Consumers need clear and fair direction from the owners of the Mortgage Loans XXXX XXXX, XXXX XXXX, XXXX XXXX and VA stating that payments can be missed Borrowers will not be penalized and all missed payments are not due in three months in one Lump Sum. Borrowers should be allowed to miss the payments for the 6 month or 12 month window and have them added to the end of the loan with no penalties period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX violated federal law, by not properly investigating within the required time frame, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will now result in a small claims action against your company. 
Synchony Bank account was discharged in Chapter XXXX. 
Date filed XX/XX/2017. Judge XXXX XXXX XXXX. Debtor ( s ) was dismissed XX/XX/2017 In which your company is well aware of. As to date you have tried to collect a debt

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 2020-04-26 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: NJ

Complaint narrative:
As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code. 

for student loans : The defendants allegedly charged illegal upfront fees that they led consumers to believe went towards consumers ' student loans, and falsely promised that their services would permanently lower or even eliminate consumers ' loan payments or balance

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 2020-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Ocwen has made numerous errors while servicing my loan Ocwen included my wife who has never been a part of my loan. 
Ocwen out of the error proposed a loan modification and in doing so I made three trial payment of {$2500.00} each Total of {$7500.00} The loan went from Ocwen to PHH ; same lender PHH refunded {$1500.00} of the {$7500.00}

Company response to consumer: Closed with explanation