vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX Experian claim that I have bankruptcy and medical bills, some referring to XXXX treatment, I am healthy, never had XXXX, further more, if there are any issues with medical records or bills then the VA should have handled them. I am a victim of identity theft. I am starving to death. I cant find a job, get insurance, apparently someone is already getting benefits in my name with ssa. Im stuck. I have three credit bureaus telling blatant lies and refusing to disclose even to me the extent of the problem. Im sick of sitting on my hands hoping that someone will help. If this doesnt imply how much in dire straits I am in, I guess Ill have to start helping myself

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 2021-04-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 39 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have sent request about my address being updated to the 3 credit bureaus. XXXX XXXX of 2021, and now atempts for XX/XX/2021. XXXX XXXX and Experian seem to be having a hard time adjusting to my concerns and request to update my Address as they keep attaching addresses that have never belong to me or previous addresses where I have no means to get. Mail or my personal information can be envisioned by residencies unknown to me or vital information about me at their disposal.

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 2021-04-24 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 — Was not notified of investigation status or results
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I am trying to improve My credit score so I can move my Family of seven into a three bedroom apartment instead of living in only one room period. I called Receivables Performance Management onXX/XX/XXXX to delete, remove or erase the negative remarks or comments from my charged off account that is reporting negative to the credit bureaus. They said they would be happy to help me resolve this issue by payment plan, settlement, or payment in full of {$380.00} before thirty days. I asked for the best possible out come and they indicated payment in full would lead to a positive reflection on my score. I chose the settlement option of two part payment of {$100.00} for the total of {$210.00} because I had no assets to liquidate for the full amount. I waited 45 days and pulled my credit report, still reporting the same negative comments. One year later I called in several time to see what happened, they indicated it's in their policy to deny any such requests and refused to continue the call and they hang up on me each time. Receivables Performance Management indicated I have no rights under the law to challenge their policies and I would not be able to depute this item on any of my reports to get a better score for the benefit of my family 's living condition, So I need to start Accepting it ASAP period!!!!!!! Theirs no law to challenge this on my behalf. This is the mine set of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: NY

Complaint narrative:
I paid for prepaid credit to establish and build a Fico score while paying bills. It was taking Discover card so long to send a card after the payment that I told them to not open the account. I was told that I have no choice but to wait for the card. I began using it last month. In that month I paid as many bills as I could continuously making payments but Discover card was too slow in updating my transactions. This caused a double payment that left my bank overdrawn. I fixed it. That same payment went through again days later to Discover and probably remade by Discover and I fixed it again then making a smaller payment and taking care of the bank fee again. Next I was locked out from my online access to view anything while other payments were being declined when I have available credit for them not to have been declined however I dont even care about that. Im still locked out from my online access and have had to take care of other bills outside of using the Discover card. I need to for my personal records and business of my own view my own transaction records to know what was purchased and when but am disallowed. At this point I am deeming them as useless wastes of my time and setbacks. Bad business. Im demanding that they close my account and they are refusing to. Its all prepaid, my own money that I want put back into the account that they take money out of in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
During the coronavirus I barely can't pay my mortgage I've been laid off from the job and I've no source of income I would like to get waiver, like to know how

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.

Complaint narrative:
I am an international student who lived in XXXX. I got sick around XXXXwhen I was visiting my XXXX so I went to the XXXX, XXXX historical there. From here, I receive a medical bill which I believe I paid. I previously had issue with the charge so I had attempted to call them also I remember I was promised a call back. I also contacted my student medical care XXXX at the money since I was a XXXX university student. I remember I later receive a check from the boatload regarding something about the bill but I dont remember what happened. Later I moved to XXXX for graduate school in XXXX. I hen moved back to XXXX due to COVID. I recently revive a message from my aunt saying that the CBE group sent me a mail for a debt they need to collect and I need to dispute it within 30days or else it is valid. I dont know what the bill is for and I do not live in the states so there is ll way for me to ask them about more information. Nor does the hospital has a email that I can ask regarding this issue. The paper said I would face judgement if I do not lay the bill. The bill is around 100 only and I have no issue paying this if this is what I forgot to pay or some miscommunication issue between me and the hospital, but I do not understand why all of a sudden 2years later I need to lay this bill. And what would happened if I did not pay it in time? Would that affect any of my credits?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
Ive been using PayPal for a while just to make money transfers to my friend, I did it a little more than often but they close my account after I submitted my correct info. I have XXXX in the account and I need it I can not wait 180 days tto get access to my money. Ive also done research and I Am not the only person this has happened to they have closed new and older accounts numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The first XXXX was a negative report.I disputed was untrue report I never had a XXXX $ account never paid on account. it was disputed. settled to delete report .I 've had four more disputes when completed .it was agreed to delete false reports ..the negative reports reappeared. next time I checked .every report that was supposed to be completely. deleted. Also before, I had a opened account with XXXX XXXX.My beacon was XXXX, XXXX, & XXXX. I had four loans in my credit reports. by XXXX  employed person I'was told to dispute the fact they not on credit reports anymore. they were submitted by loan company credit my signature loans thou had been taken out .because of false report sent by bluestem XXXX XXXX. 
I was not lieing at all. Reduced credit the to4.6 the employed person by these two companys are not educated they don't understand how to add interest. late fingerhut is 1day late adds the next months payment. 
the amount of interest is no extra money added to payments scheduled. i payed the false late amount to prove what they are doing to me i paidXXXX $ XXXX XXXX XXXX payment .that amount was supposed to be subtracted from the the remainder payment instead false amount was added three extra interest payments that don't subtract from remainder. If they handled late interest to late payment.it only being interest for the payments being late. The company would not send a credit report to correct the information with report that account had been ( paid and never late ).

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 2021-04-24 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: NCB Management Services Inc.
State: NM

Complaint narrative:
NCB Management as well as XXXX continue to report a discharged account as an active collection account after a Chapter XXXX bankruptcy. The account has a XXXX balance due to discharge, and per bankruptcy law it is illegal to attempt to collect on any balance discharged in a bankruptcy. And therefore, if they are reporting it as an active collection account- this is illegal and they are in violation of bankruptcy law which is a civil offense. Attorney consult and possible litigation against both companies pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: NM

Complaint narrative:
XXXX XXXX as well as Experian continue to report a discharged account as an active collection account after a Chapter XXXX bankruptcy. The account has a XXXX balance due to discharge, and per bankruptcy law it is illegal to attempt to collect on any balance discharged in a bankruptcy. And therefore, if they are reporting it as an active collection account- this is illegal and they are in violation of bankruptcy law which is a civil offense. Attorney consult and possible litigation against both companies pending.

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 2021-04-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
My vehicle got shut down after fixing the vehicle after having an impound in four years straight I was unable to pay car loan monthly payments because of in an out jobs Ive been working for the past five years trying to make ends meet when I got the car I thought I was gon na be able to afford it but I always ran into a financial issue that would not allow me too afford any car payment so ISo I continue to drive the vehicle until it was shut down hi caught multiple speeding tickets and my license got suspended because the cop said that my vehicle was unsafe so theres nothing that I can do to try to fix the situation

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 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My Mortgage is with PHH as serviced and is owned by XXXX XXXX, even though I do not believe it is legally owned by them. Anyway with all the issues going on with Covid, I fell behind and my lenders were kind enough to give me a forebearance but they were legally suppose to because of monies they received from the government. They are not allowing me to get a deferment and have been denied that to put the past due at the end. They say the protection s will last untilXX/XX/2021 but I want this resolved now pls help us!!

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 2021-04-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
We just refinanced and NewRez LLC has taken over our loan. They have not paid our property taxes that were due XX/XX/XXXX. It is now XX/XX/XXXX! 

It took 3 times to call them for them to even figure out they should be the ones to pay the taxes!! I have had to call 6 times and talk 2 two different supervisors while being on 45 minute holds or told a supervisor isn't available. My property is being put up for a tax sale and the taxes are due on the XXXX. They knew this urgency and sent the money via USPS without tracking, instead of XXXX overnight. I have been told i would get confirmation they sent the payment. They see it in the notes and I was not notified. They just sent the check on the XXXX and my county has not received it. I ask for them to cancel the check and resend overnight via XXXX and they said they can't until the XXXX, which is when the payment is due.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I filed a complaint with the cfpb concerning a mortgage loan application ID for complaint : XXXX against Huntington Bank. XX/XX/2021. 
I received an email from a law firm containing a letter stating I am to " Cease and desist order '' from entering into any Huntington Bank Branch Office or contacting / speaking to Huntington personnel '' I called leaving a message for the attorney, XXXX XXXX on XX/XX/2021 She called me back and I explained that Huntington is our bank and our direct deposit Social Security XXXX and VA compensation checks go there and our Bills are auto paid out of our accounts. I said, " We have to have access to our accounts ''. She declined to listen any further and ended the call. 
I assume Huntington Personnel from the mortgage loan department contacted the Huntington legal team after the found out about my filing the complaint against them with the cfpb. I'd also like to note that the attorney, XXXX XXXX insisted I had made threats against staff and when I confronted her on that statement she changed her wording to say " I acted unprofessionally with my comments in phone calls and emails. '' I replied, " No. it the loan people handling my loan who acted unprofessionally by screwing up my loan 9 consecutive times and then blew me off without correcting the problems ''. 
The Huntington Bank and their Law Firm have unjustly blocked us from accessing our banking accounts at branch offices and from doing our usual banking needs for daily life. They did this, in my opinion, as a form of retaliation for my having filed complaints against the horrific way they treated us when applying for our mortgage loan. They are at this point literally holding our money/bank accounts hostage. They've placed us in a situation of not accessing our financial banking abilities and doing daily banking needs. 
I explained the XXXX XXXX, attorney, I had only had contact with mortgage loan staff at the Saline Branch and there are many other branches I could go to besides the Saline Branch. That was my attempting to compromise. That's when she discontinued our telephone call. Point of interest : XXXX XXXX, stated, after I pointed out there had not been any threats made to anyone, She said, " I used unprofessional communication ''. That more-or-less amounts to saying that I voiced my opinions and detest for in which the way they mistreated us during our loan process. IT DOES NOT CONSTITUTE a blocking of access to our Bank Accounts in a branch office. As I stated " I told XXXX XXXX I didn't need to use the XXXX Branch but I did need to use on of the other Bank Locations. This is another example of badly the Huntington Bank personnel are treating us. IT IS DISCRIMINATION and VIOLATES OUR CIVIL RIGHTS and the RIGHTS OF taking advantage of TWO XXXX PERSONS. They have violated our right to do fair and honest banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
My name is XXXX XXXX. I am a XXXX year old college student during the month of COVID-19. Chase has not refunded my money to me. They took my money away starting XX/XX/2020 and now it has been XXXX. They took my money away because they thought I stolen money from my parents XXXX Unemployment money. But after I brought my parents they examined my parents ID and got my parents signature stating that my parents have given me those fund to put into my account in order to help me with college. Chase told has told me that they understand and everything is done. And they will send my money out to me. Now it has been 1 year. I call chase everyday waiting for 1-2 hours for them to pick up. But they dismissed my problem. I also go to the local chase bank and talk to the banker XXXX XXXX. I contacted the federal before and chase did agree to give me around XXXX dollars back and now I have around XXXX dollars left and they still have not given it back to me or contacted me in any way and its been a year since they have taken my money. 

This is the last statement they send out to me after the federal contacted them. 

From chase bank : We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. We aim to give exceptional service and are sorry if we did not meet this goal when you spoke with us. Under the terms of our Deposit Account Agreement ( DAA ), we may decline or prevent transactions to or from your account, and we generally do so to protect you or us, or to comply with legal requirements. We closed your accounts and placed the funds totaling {$9400.00} in suspense. The conditions were met for {$6000.00} to be released from suspense. We sent you a cashiers check for this amount on XX/XX/2020, by UPS with tracking number XXXX. The remaining funds of {$3300.00} will remain in suspense until the funds are verified by the sender. There is no timeframe for when this will be completed. The DAA allows us to close an account other than a CD at any time, for any reason or no reason and without prior notice. It also explains that we may remove funds from your account to hold them pending investigation. We gave you a copy of the agreement when we opened your accounts. You can see the current agreement on chase.com. 

Now that its been a whole YEAR, I would really like my money back. This has gone on for so long. And I have been extremely patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have been in between different corporate jobs managing my own bank account independently ... I have been dealing with a very chronic trial and error issue. I use the Chase Mobile banking app and this issue may have been very chronic a few years ago and for some reason the scenario is back. I am repeatedly locked out of my chase mobile bank application for my phone. I do not use a browser just the application. Dealing with trying to make at least 1 claim that will match up to my complex identity issue, for some reason Chase will not make a claim for this issue over the phone. No tier, no ticket number, nothing. Just repeatedly call for the online support every week. I walk into my bank with problems ever since almost 2 months back this is happening every 3 days or once a week. This is a unresolved issue why cant I have a tier ticket? They took this up with back of the house and I am not given anything at all to what a resolution is. They will not take any of my police report numbers. If I use another bank I will not be able to have a family relationship that is convenient to me ... I am one person, I secure myself. It doesnt matter if I switch branches, the issue is a digital profile that is created off of my identity in a data base somewhere. I might even need a grievance with social security ... Either way, this problem needs a remedy. I am literally dealing with this every week. I was able to see on the screen shots they printed that I am being continuously executed in a link. There should be ways to report this to a clearing house and make that stop ...

Company response to consumer: Closed with explanation