vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 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 — Problem with personal statement of dispute
Company: AMA Advisors, LLC.
State: SC

Complaint narrative:
I refinance my mortgage in XXXX of this year I was told I didnt have to make a payment to the new mortgage until XX/XX/XXXX the mortgage company sent the payoff check to my mortgage company and it was short they sent a check back but three weeks went by I found that out made a payment for XXXX to try to save my credit report the mortgage company since sent the correct payment with the XXXXirst mortgage company report and me being late 30 days to no fault of mine Im trying to fix it with them but they giving me a hard time Ive even sent letters from the mortgage company saying it was their fault what am I supposed to do

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
on XX/XX/2021 send them a certified debt violation letter no response false information on debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: TX

Complaint narrative:
XXXX LATE PAYMENT INCORRECT REPORTING. I opened this account in XXXX whenIi moved to XXXX XXXX XXXX # XXXX XXXX, NY. A year later I moved to XXXX XXXX XXXX, XXXX NY XXXX and the following year I moved back to the same apartment ( XXXX XXXX XXXX # XXXX XXXX NY XXXX ) during the process of moving back, the XXXX agent wrongly left the account from XXXX XXXX open instead of forwarding my account to the new address. The agent opened a new secondary account on the XXXX XXXX XXXX address leaving me with two open accounts while continuing sending bills to XXXX XXXX XXXX. XXXX NY XXXX. Late in XXXX of XXXX I discovered through my credit report that I have over {$600.00} collection account open with XXXX, despite me paying my bills. After months of investigation and escalations, finally a manager from the executive department apologized for their mistake and told me that if I pay off a balance of around {$270.00}, they would remove the account from my credit. Here is the case number that pertains to the above information, and to the removal of the XXXX  account. Escalation Case number : XXXX Unfortunately, after following the managers directions and paying the balance, the account is still being listed on my credit report despite my disputes and XXXX promises. Please remove this XXXX account immediately as it is causing unjustified and unreasonable damages to my credit and to my life. XXXX LATE PAYMENT INCORRECT REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
We applied for a loan re-cast and were denied based on : - " Our monthly Income amount of {$8400.00} Is sufficient to sustain current payments under the Note and Mortgage without modification. '' - This is an error. Our monthly income is under $ XXXX monthly. 

- We are both retired and receive income from Social Security and a small XXXX XXXX XXXX. 

- Award letters were sent to lender along our letter of their error. 

Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: LA

Complaint narrative:
Filed numerous complaints and disputes with XXXX  and transunion  also XXXX  and showed proof of inaccurate reporting on my credit with no results will attach all info

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 2021-02-19 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: LA

Complaint narrative:
Filed numerous complaints and disputes with XXXX  and XXXX  also Experian and showed proof of inaccurate reporting on my credit with no results will attach all info

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 2021-02-19 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: U.S. BANCORP
State: AL

Complaint narrative:
On XX/XX/2021 I discovered my U.S. Bank Credit Card Number and password was published on the internet on one of the XXXX XXXX  internet pages. I tried calling XXXX XXXX but because I did not have a pin I could not get assistance. On XX/XX/2021, I called U.S. Bank and discussed the issue with the representative and was told that I should close out this account totally because even if they sent me a new credit card with a new number, the charges would simply roll over to the new account and I could still be subject Identity Theft. I told the representative to close the account immediately. The representative told me I had rewards points that I would not be able to use once the account was closed. I told her I had a serious XXXX problem and the amount of the rewards points conversion was not worth the stress Identify Theft and a possibly XXXX XXXX would cause. She asked if she could just convert one more and close the account the next day. I reluctantly agreed. I discovered that a manual charge was entered on XX/XX/2021 for a XXXX  service that I did not have. I was going to switch to XXXX  because of the issue with XXXX XXXX. I called XXXX  on XX/XX/2021 but cancelled on XXXX XXXX when the service could not be connected. I was told by the XXXX  representative that the order had been cancelled and I could deliver the equipment back on XX/XX/2021 which I did. XXXX XXXX came out the next day and confirmed the XXXX  service had never been connected and their service was still intact. I am still with XXXX XXXX because it is the lesser of the two evils. I am attaching a letter I sent to the CEO and President of U.S. Bank. Refusing to close this account and subjecting me to Identity Theft is unacceptable. The credit limit on this account is {$9000.00} and I plan to pay the balance of {$810.00} by XXXX XXXX or as soon as I see the account closed because If I close it before then, I would lose visibility on this 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 2021-02-19 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 PanAm Financial Corp.
State: MA

Complaint narrative:
I took out a loan from United Auto Credit in XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX with my final payment on XX/XX/XXXX ALL payment were made on time as reflected on my credit reports. In XXXX I traded in my vehicle to XXXX which they paid off the loan to United Auto Credit on XX/XX/XXXX in the amount of {$3200.00} paying off the loan. United Auto Credit continues to report a 30 day late payment in XX/XX/XXXX and refuses to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 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: NY

Complaint narrative:
I Have complained and disputed twice now with Trans union about an Error with a lender ( XXXX XXXX ). They have not been in communication me nor has resolved the issue. This issue was resolved almost immediately with XXXX and is currently being disputed with XXXX. They have all relevant documents needed to rectify the matter and not sure what the hold up is.

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 2021-02-19 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I originally contracted and booked a trip with XXXX XXXX for XX/XX/XXXX. They debited {$4600.00} from my account on XX/XX/XXXX. On XX/XX/XXXX they informed me they would not be moving forward with my trip and that they would not be refunding my money. Per their contract if they did not give notice of 40 day or more the client ( myself ) had the right to request a refund or a future date. I requested a refund of which they declined to give me back my money. This was in XX/XX/XXXX. I at that time disputed the charge with Citi Bank. I was denied my claim because XXXX XXXX said that they were rescheduling my trip to a future date of XX/XX/XXXX. 

On XX/XX/XXXX from XXXX saying they were NOT going to give me my money back, they were NOT rescheduling my trip and that they were going into bankruptcy. I then went back to Citi to reopen the dispute and appeal as XXXX did NOT do what they promised. Citi bank again denied my claim This time claiming that the date of the transactions had already passed their appeal limit even though they acknowledged and accepted that the XXXX reschedule trip was a valid reason to deny my claim Citi Bank reopened my claim after my first complaint and have now again denied not for any of the previous reasons but now because the merchant has claimed I was suppose to go through an insurance policy that does not apply because it only cover customers in the XXXX XXXX and I am in the US. Citi accepted a screenshot of their most recent website as reason, which is not protecting me AT ALL instead of looking into what the policy was and who is covered. 

Further more .... the owner of this same company who rejected my claim is stating that what they stated is wrong when they disputed the claim ( see attachments ) and gave proof that I am NOT at all covered by their argument.

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 2021-02-19 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed an alleged bankruptcy that Equifax continues to report as verified with information that they supposedly been supplied by XXXX XXXX. I have provided them with supporting documentation showing that the information is incorrect. Even after supplying the supporting documentation, they continue to respond with verified and correct. I have spoken with representatives for XXXX XXXX and have been informed that at no time did they validate or verify the item in question. However, Equifax continues to report the item on my Equifax consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
BBVA credit cards seem to have been stolen in bulk and used in fraudulent transactions from a vendor called " XXXX ''. BBVA has shown in interest in protecting consumer credit card accounts from a data breach and allowed massive fraud to happen. Internet forums have reports of multiple accounts having the same problem, but the bank has no plan to address. 

Concerned that my personal information has been breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was targeted for a Chase offer on Chase XXXX XXXX card. The offer did not load to my card and I was unable to accept the offer. i reached out to both Chase and XXXX and was told there was a technical issue at Chase, and that Chase was aware of the issue and would address it. I spoke with Chase and XXXX at least 5 x on this. All of my conversations with Chase were documented in the notes. I met all the terms of the offer ( see attached ) with a stay at the XXXX XXXX XXXX in JXXXX XXXX XXXX. 

Chase owes me {$25.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
*** This is NOT a duplicate complaint*** I was told by CFPB representative to make sure that I put that sentence in the top headline. I have made over 10 phone calls to the CFPB and months of phones to Wells Fargo Bank. 

I note CFPB Complaints : XXXX XX/XX/2020 XXXX XX/XX/2020 Wells Fargo has refused to give me records of all my accounts opened and closed with their bank since inception. Wells Fargo has lied to me and to the CFPB on numerous occasions. In the last answer to my complaint, Wells Fargo ( WF ) promised to reach out to the CFPB and to me which they never did. WF in their answer submitted a false link file in which it was unopenable by myself and unopenable by the CFPB. I have made numerous phone calls identifying this direct refusal and misdirection of resolve. WF closed my accounts which had several fraudulent transactions on them, these included fake sham accounts that their bankers had opened and closed, when I recognized these large charges in the thousands of dollars and complained ( See XXXX Charge : XXXX XXXX ), WF closed these accounts and offered me no remedy in repayment. They have caused irreparable financial harm to me. In my last complaint where I asked WF to remedy their harmful actions and sent me ALL my account information and statements Wells Fargo provided a false link which was unopenable and for me and the CFPB. WF has gone out of their way to cover up their frauds, they have caused me tens of thousands in dollars due to their frauds, refused to provide me with accounts as the are legally required to do, and lied to the regulators which a criminal act. 

I have been dealing with these issues for years now and this has cost me money and hundred of hours of my time. Their actions are deplorable and they certainly are not living up to their promises by their past 2 CEOs and lied to several government committees including the Senate Committee on Banking, Housing, and Urban Affairs. They have not honored their agreements to penalties by the CFPB and to their own promises to remediation. 

I look forward to the positive changes that your regulating body, the CFPB, will enact based upon these continued frauds that have been exposed dating back a decade now. Please also consider the several class-action lawsuits that have been recently filed over a series of issues. I have been seeking remedy for these frauds for over 6 years now with NO proper resolve. 

Thank you, 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 2021-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC
State: TN

Complaint narrative:
THIS COMPANY HAS REPORTED INACCURATE LATE INFORMATION ON MY CREDIT REPORT I AM REQUESTING THIS INFORMATION REMOVED. THIS ACCOUNT SHOULD BE CLOSED THE LAST REPORT OF THIS INFORMATION ON MY OTHER TWO CREDIT BUREAUS WAS XXXX OF 2019. THIS COMPANY HAS REPORTED RECENT INFORMATION AND I NEED IT UPDATED AND REMOVED ESPECIALLY THE LATE CHARGES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: MA

Complaint narrative:
My issue is the lack of accountability that Experian is holding XXXX for reporting negatively on my credit report. I have been working with Experian for over a year to remove this account from my credit report. I have explained that this account has been fraudulently opened in my name. I have provided police reports to prove this as well. I have explained to Experian that the creditor, XXXX XXXX XXXX refuses to speak to me because they have sold my account to another agency, XXXX XXXX XXXX. XXXX XXXX XXXX has stopped their reporting efforts while XXXX remains on my credit report. XXXX XXXX XXXX stopped their reporting efforts because they have researched and found that XXXX XXXX has confirmed my issue was corrected back in 2017. In my latest dispute, I advised Experian that the issue I had with XXXXXXXX XXXX was remedied back in 2017. Experian reach out to XXXX  XXXX XXXX who simply stated " no changes to be made ''. Experian has not held the agency accountable to show any documentation such as a statement or proof of contract or anything else to confirm their findings. As the credit reporting agency, Experian is responsible for confirming that the creditors information is reported as accurate. Simply indicating that " no changes made '' is not suffice. I want this account 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 2021-02-19 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I Have complained and disputed twice now with XXXX XXXX about an Error with a lender ( Kia Finance ). They have not been in communication me nor has resolved the issue. This issue was resolved almost immediately with XXXX  and is currently being disputed with XXXX. They have all relevant documents needed to rectify the matter and not sure what the hold up is.

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 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
I have been requesting for mortgage assistance thru SPS for the last few years each time just gets denied for various reasons that dont make any sense. 

On XX/XX/2020 the lender denied me and on the denial letter it states my income was not considered as part of my evaluation review, they also mentioned that my payment could not be reduced enough to modify. In the review it does not appear my income was used to determine if I'm eligible for help, in your review under the Net Present Value it states my payment was to increase by {$30.00}, but as my income shows on my financial report I clearly have {$240.00} left over each month which I have not problem making this payment. 
SPS offered me a repayment plan for 12 months doubling my mortgage payment and leaving me with only {$400.00} for my monthly expenses including food, car expenses and utilities. I believe when SPS offered me this it was done intentional for me to fail. I made as many payments as I could until I could not afford it. Now each time I apply they deny me and are not allowing any home retention options. I offered them a contribution of {$10000.00} and asked them to place the remainder amount owed to the end of the loan and simply to allow me to continue to make payments but they even deny that. I feel SPS is more interested in the foreclosure of my home rather than helping me out. I would like CFPB to investigate SPS for any illegal activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I have a Chase Freedom credit card that was originally opened in 1995. It is the primary credit card that I use and I make payments in full each month. On Wednesday, XX/XX/XXXX, I logged into my account and discovered it had been closed. I immediately called customer service and was told they didn't have any information and to email the company via the web portal. I did that and was told they couldn't provide any information, and to call the number on the back of my card ( the number I originally called ). I called Chase yet again this morning and was simply told, " this is not a decision the company takes lightly '' and that there was no one I could talk to who could remedy the situation. 

I am stunned, perplexed, and extremely frustrated that they would close an account in good standing without notification or rationale as to why. This is my oldest credit card and closure is going to dramatically impact my credit score, which is currently near perfect at XXXX. This is certainly a mistake on the company 's part and I would like the opportunity to plead my case and have the card reinstated. 

Thank you for your help with this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation