vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
At the end of XXXX I was notified that XXXX acquired XXXX XXXX XXXX from Commenity Bank. XXXX even sent me a credit card when they had acquired XXXX XXXX XXXX. It said I could start using the card immediately so I went to use the card and it said it was not valid! So I spent over two hours on the phone with both credit card companies. First I talked to XXXX  at XXXX XXXX   at XXXX. I talked to XXXX and XXXX, where I was escalated to a supervisor, XXXX  ( sp? ) Then I was transferred to XXXX, a MasterCard System supervisor, then to XXXX, Senior Account Specialist, who stated they had no clue why I could not get a card. I have been a card holder since 2007. NEVER been late. Only owed {$280.00} and was actually paid ahead. They stated that it looked like I had " fallen thru the cracks. '' Then I was transferred to an Account Specialist named XXXX who encouraged me to send a certified letter to the CEO XXXX XXXX at Commenity Bank XXXX XXXX XXXX XXXX Oh. XXXX which I did. Then on XX/XX/XXXX I received a form letter from " Customer Care team '' stating they had received my complaint and to give them 90 days. Then on XX/XX/XXXX I get the EXACT same letter from the same place, the same complaint #. So I gave them 90 days and sent another certified letter signed for on XXXX at XXXX XXXX. saying your 90 days are up, what in XXXX is going? Instead on XX/XX/XXXX they sent the SAME exact form letter to me and telling me to give them another 90 days!!!! I just recently applied for a loan that my credit score was XXXX! Higher than 67 % of the people in the country! This is ridicules! There is NO justifiable reason to not transfer my account and I was NEVER given the reason. Which I am entitled to ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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 {$2200.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -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 2020-08-04 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 {$2200.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
After placing an online order using a debit card, an online vendor continued to charge my card periodically anauthorized amounts for which no service or good was delivered. This was despite the fact that the account number and pin changed, Huntington continued to allow this vendor to directly debit my checking account. 
I submitted a dispute XX/XX/20 for the {$890.00} that was stolen in this manner, and initially was credited most of the money back. XX/XX/20 Huntington sent me a note reversing this decision stating that I had not provided requested documentation. No documentation had been requested. When I called today XX/XX/20 I was told that the dispute was denied because the charges were more than 60 days old ( despite the fact that some were recent ). I was told I could resubmit them but they would be denied. 
What is infuriating is that when I initially filed my dispute the representative was apologetic and confirmed that the charges should not have processed, but once the claim was denied the service team became hostile and combative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-04 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: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
We hold our current FHA mortgage with Caliber Home Loans. We have paid on time since the inception of our loan XX/XX/XXXX. 

We have typically paid via their online portal, despite issues with the portal where the payment wasn't processing, which happens often. We will then log in the next day and try again. 

We have tried multiple times to pay via their automated phone system through XXXX XXXX which for some reason can not process our payments, not due to lack of funds. Just an error with their processor. 

On Friday, XX/XX/XXXX, we made an online payment for the due balance for XXXX. We received no error messages, and we received confirmation of their receipt of payment through a secure message on their website. I am attaching this for your review. Also of note, this is a shorter month with 29 days. 

We were notified a few weeks later through our XXXX apps, that the payment was marked as 30 days late. 

At this time, we called Caliber Home Loans to dispute the late payment and we were told that we should have paid via the phone system for it to post same day. We told them that their phone system wouldn't authorize our debit card or ACH check as it didn't in XXXX, XXXX when we tried to use the system while travelling outside the country. Therefore, our previous experiences with the phone system lead us to always pay online. 

They said that since we paid online, and before 30 days, it did not matter because the payment posted to their system XX/XX/XXXX. Caliber stated that even though they have record of our payment on the XXXX of XXXX, they will not update the credit reports to show an on-time payment. 

At this time, we filed with all 3 credit bureaus a dispute of the reported late payment by Caliber, and on XX/XX/XXXX XXXX  investigated and deleted the late payment from our credit files. 

Now we are trying to refinance our home to save money during the pandemic, and we are unable to qualify solely because of this one reported late payment that was actually not 30 days late. 
We have never been 30 days late on any mortgage. 

Please help us to ensure that we are able to hold Caliber to the date we paid the loan and not when it posted for them ; which could be an arbitrary amount of time. 

Attached : payment confirmation on the XXXX of XXXX, XXXX, Confirmation of increased credit score when XXXX  removed the 30 day late payment. Letter to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
I refinanced my home in XX/XX/2020, and contacted my mortgage holder ( XXXX XXXX ) asking them NOT to process the automatic monthly mortgage withdrawal for the upcoming month from my bank account, as the loan would be completely paid off within the next few days. I spoke with XXXX XXXX reference No. XXXX on XX/XX/XXXX at XXXX, she received approval from her manager NOT to process the auto withdrawal. Yet, I later checked my bank records and my payment of {$1400.00} USD was  withdrawn. 

The loan was paid off by my new mortgage company ( XXXX ) and I e-mailed XXXX XXXX requesting a refund of my payment of {$1400.00} USD. I sent in bank records and proof of the erroneous withdraw as they requested - they stated a 15 day resolution period. Here it several months later ( and  numerous correspondence ) with no refund. The XXXX XXXX complaint No. is Refund : XXXX ( XXXX ) XXXX XXXXXXXX contact info is ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX PA 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 2020-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had a Gap Visa Card which had an unauthorized charge of {$100.00} from the latest statement, the charge was made on XX/XX/2020, and the card is managed by Synchrony Bank. I contacted Synchrony Bank at ( XXXX ) XXXX on more than one occasion to inform them that it was an unauthorized charge. I was told that the charge was for a renewal of XXXX XXXX XXXX XXXX software. I have submitted a written " Dispute Acknowledgement Form '' from Synchrony Bank via fax number ( XXXX ) XXXX on XX/XX/2020 and checked " I did not make the sale '' box. I did not hear from them about the resolution of my written inquiry, what they did was cancel the old card and re-issued me a new card for the same amount, plus interest and fees charge, which is now {$210.00}. 

They have since called me every day, all hours of the day, including the weekend on my cell phone to insist that I owed the amount. The tactic Synchrony Bank used is harassment and intimidation, they used different numbers to call me for payment so if I blocked one number, another one will surface. They are rude and to the point of threatening me for collection for a charge that was not authorized. 

I acted in good faith to resolve the matter but all I got from Synchrony Bank was duress and endless calls from all different times of the day for charge that I did not authorize.

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 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
Amerihome, Mortgage Company notified me on XX/XX/XXXX about my home insurance expiring on XX/XX/XXXX and wanted a renewal policy. I called XXXX XXXX, current home insurer, about my policy. They had sent a renewal policy, but the address was wrong due to the mortgage switching between 3 companies in the first year. I gave XXXX XXXX the correct address, and they mailed it again. I got an email from XXXX XXXX on XX/XX/XXXX about not receiving payment from Amerihome. I contacted Amerihome about the problem. They said a renewal policy was not received. I called XXXX XXXX and got a pdf copy. I then uploaded the document to a website Amerihome told me to use. I got a message today, XX/XX/XXXX, that Amerihome has still not paid the home insurance policy and would be canceled on XX/XX/XXXX if not paid. I looked online at Amerihome and {$560.00} was taken out of my escrow account on XX/XX/XXXX and states the insurance policy is good through XX/XX/XXXX. I called XXXX XXXX and notified them that money was taken from my account to pay the home insurance bill. They stated that they never received any payment. I called Amerihome, and they stated they sent a check to the XXXX XXXX main office in XXXX, GA. I contacted XXXX XXXX to contact the main office. XXXX XXXX called me back and told me that no check has been received by the main office. I called Amerihome, and they are not willing to do anything else until 30 days after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX, I was in dire financial need and took a loan out from Net Credit in the amount of {$3200.00}. Paying twice a month, I have made 19 payments of {$100.00} and 1 payment of {$38.00} for a total of {$2100.00}. Each month, I make payments on the XXXX and XXXX XXXX of the month each month. I was XXXX with work because of COVID in XX/XX/XXXX and as of XX/XX/XXXX am still furloughed. 

As of today, XX/XX/XXXX I still owe {$2700.00} with a payoff amount of {$3000.00}. I called to ask what the payoff amount would be, with the intention of paying the remainder of my loan off. When I found out that I still owe almost as much as I borrowed a year and 20 payments later, I was really taken off guard. They were unwilling or unable to find a payment amount less than the amount outlined above. 

I would like to pay the loan off, but am unable to do with the amount they gave me. If I could pay today, I would be paying a total of {$5100.00} off of an intial loal of {$3200.00}. 

WIth the scheduled payments I currently have of {$100.00} twice a month, according to Net Credit, my final payment would be on XX/XX/XXXX and I would have paid a total of {$6200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank notified us that it will close all our savings and credit card accounts, in fact I closed my personal and business credit card, we go to the bank for an explanation and at the bank branch they told us that they don't know the reasons, we waited for a call for 7 days and yesterday they called us and they say they don't know the reasons either. No one can tell us the reasons and they do not give the possibility that it is an error, we requested the report from XXXX and the accounts with Chases did not appear in the report, we are desperate, we do not know what we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax continues to keep me lock out of my report. I am unable to login to myequifax.com. They are also reporting an account that does not belong to me and I can't dispute the information without logging in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I text XXXX Customer Support ( Goldman Sachs ) about an authorized charge on my account back in XX/XX/2020. They suspended the charge and ask the vendor XXXX XXXX XXXX   for information about the charge in the amount of {$260.00}. No information was ever provided to me yet XXXX reversed the credit and charged my account again. I asked to have the account closed due to their poor service. I paid off the balance and asked XXXX to refund the money to me for this fraudulent charge. While they keep reciting you'll never be held responsible for paying for a charge you did not make they will not permanently credit me or show me signed proof that I ordered some ridiculous XXXX hear whatever that is! I tried recently and was transferred to several Goldman Sachs reps who I could not hear on the phone and requested a call back from a manager as well as a refund. To date I've received nothing from XXXX. Please help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: ME

Complaint narrative:
I took out a XXXX XXXX loan for my daughter that was supposed to be deferred until she graduates next year. I currently already have other student loans being paid to Fed Loan Servicing and those are automatic payments. Soon after I took the loans out I became ill and had to have a relative take over my finances. Seeing that I was already paying Fed Loan Servicing it was assumed it was being paid and never questioned until I received a collections notice for the loan and it shows on my credit report as defaulted. 
The loan was supposed to have been in deferment so it is unknown how it defaulted. 
I tried contacting Fed Loan Servicing and they claim they have no information except that the loan was once there but they transferred it to " XXXX '' and they gave me the phone number of XXXX and I was told I needed to call Fed Loan Servicing back at XXXX as I would have to get the information from them, they also advised me to speak to a manager. I spoke to a manager was told there is absolutely nothing they can do for me and can give me no information. 
Furthermore as I had mentioned above, I have other accounts with Fed Loan Serviceing that is an automatic payment for the minimum amount that they take out every month. I don't understand why it wasn't added as the others are all lumped together. 
More questions they are unwilling to answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shelly point mortgage is showing that my mortgage is in dispute. this is effecting my refinance on my owner occupied home. they are also showing a late fee on the monthly statement and i have never been late on this loan in 15 year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed a account on my Experian credit report and they came back and informed me that the account was mine and has been verifed. Because this account is so old and outdated the information listed on my Experian credit report ( XXXX XXXX account XXXX ) is not 100 % accurate. This account is charged off going on 6 years.. I was hoping Experian would provide me more information than just saying " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. ''

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 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I made a purchase through XXXX from my bank account with bank of America from XXXX XXXX costing XXXX dollars and change. After the purchase I received my items eight days later, I opened the package and saw that they gave me the wrong products. I've contacted XXXX XXXX multiple times, via phone and email. Now they don't even respond because I told them to send me a shipping label. I'm not going to pay for this because it wasn't my mistake. I called last night XX/XX/20 bank of America dispute center, they told me because its an ACH payment i can't dispute it. Its my money no matter how I paid for it, I should be able to dispute. Bank of America won't let me dispute it.

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 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I am complaining about constant and unwanted phone calls from Quicken Loans. These loan advisers are trying to encourage me to refinance my loan. I have spoken on several occasions with different representatives about this issue. I have also explained that I am not interested in refinancing my home. Even after these direct statements, I still receive many phone calls ( on one occasion 4 in a single day ). 
Some of the advisers have even said rude words and tried to engage me in verbal debate. This is unprofessional. As a customer I am very upset, and need these calls to stop. 

I feel this is predatory lending 1. Using high pressure sales tactics 2.  They are trying to strip me of my equity although I have told them this is NOT an option that I am interested in.

Company response to consumer: Closed with explanation