vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Shellpoint Mortgage Company has not given a full refund as stated in an email received on XX/XX/2020 at XXXX. Shellpoint Mortgage Company has withdrawn the following insurance premium disbursements from my escrow account : XXXX {$490.00} XXXX {$450.00} XXXX. {$67.00} On XXXX, Shellpoint Mortgage Company has decided to return {$490.00} to my escrow account on the day for Escrow Analysis. This amount is less than the {$490.00} insurance premium disbursement that was withdrawn on XXXX. On XXXX Escrow Balance was {$670.00}. On XXXX Escrow Balance is {$1100.00}. Shellpoint Mortgage Company has not returned the additional amounts of {$67.00} and {$450.00}. My actual escrow balance should be {$1600.00}. Shellpoint Mortgage  Company has instead stated that after Escrow Analysis a shortage of {$1200.00} and an increase of mortgage payment to {$880.00}. Shellpoint Mortgage Company has intentionally not refunded all the insurance premium disbursements and is stealing funds from my escrow account. In addition, Shellpoint Mortgage Company is making false claims about a shortage being present when the fact is that my escrow account has a surplus and the mortgage payments should have decreased. This is against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Below is the email that was sent to the company Hello, in regards to XXXX XXXX XXXX XXXX XXXX, AZ XXXX Loan ID XXXX It has come to my attention that my loan for the subject property has been signed up for the forbearance program without my request to be done. I do not want this program. I was told by XXXX XXXX, the customer service representative, on XX/XX/XXXX that my loan has been in the forbearance program since XXXX of this year. Please remove this from my loan as it has negatively affected my credit report. 

Also, I have made contact previously in regards to another credit report issue due a late payment from XX/XX/XXXX that was, in fact, not late at all. I also just learned that the payment for this month XXXX of XXXX was also named late. This is not true either. 

I have attached the credit report for both " late payments '' affecting my credit negatively. 
I have also attached both checks that were used to pay those statements and they had been cashed. 

Please resolve these 3 issues and remove them from my credit. 
I can be reached at ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX Thank you for getting these issues resolved, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Loan ID XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I contacted Bank of America because I noticed a fraudulent charge. I was charged 4 times by XXXX XXXX for {$630.00}. 

I made contact with Bank of America representatives on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX as well as on XX/XX/XXXX ( contact was made both in person at a financial center and over the phone ). The XXXX  case was closed several times saying that these charges were authorized and posted correctly. These charges were not authorized. I am not and have never been a subscriber of XXXX. No one has or has had access to my debit card number other than me. This is 100 % XXXX. I am willing to provide any additional information that will help resolve this. Thank you in advance.

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 2020-09-16 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: GA

Complaint narrative:
I've disputed two accounts on my credit report several times with Experian and they have not been able to provide closure on this matter. I've sent several letters of validation to the creditors as well and has yet to receive anything validating this date. I've disputed with XXXX  and XXXX  and both have resolved my issues. I'm requesting CFPB assistance to have Experian follow suit and delete these accounts from my credit report. 

XXXX XXXX Bank account # XXXX SCA/Rooms To Go account # 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 2020-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander informed me that this account was sold to XXXX XXXX XXXX.under applicable federal and state laws, once after creditor sell installment contact to third party collection agency they should not have any information about that account on their data base.however Santander provided what appears to be an alleged contract.this is fraud under all applicable federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received an XXXX loan for my business via Bank of America {$65000.00} on the XXXX of XXXX the next day I had hoped to go make some purchases for the business so I checked my online access only to see my account balance had changed to a - {$880000.00} and - {>= $1,000,000} so I went to the bank and was told my account and funds had been frozen along with all other funds I had in the account. 
I went to the bank to find out more about this claims and they insisted that if I wanted to retain the account I needed to bring prove of the business along with the loan. 
I sent in all documents of Incorporation, EIN documents, my loan documents and all documents pertaining to my business. I was given a phone number to call but even when I called the person still tells me that my account has been closed and they are holding all my funds without an explanation. 

Its been more than a month and 5 days and all I get from them is a run around, I have taken all prove of business to them already which should be sufficient enough but rather I am getting a run around each time I visit the bank or call to check on my account status, I get put on hold for hours and then cut off. 
Please I would like you to assist in getting this issue resolved.

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 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am reaching out to you today because I feel that TransUnion, XXXX, and XXXX  have violated the Fair Credit Reporting Act. I have been sending letters to the credit bureaus because I feel that I have someone elses information reporting on my credit report. I would have check more options if I was allowed to when I filled out this complaint form, The investigations did not resolve my issue, and then the credit bureaus stopped investigating my accounts. 
In XX/XX/2020, I was denied credit because due to a Chapter XXXX Bankruptcy. I thought this was odd, so I request a copy of my credit reports. Not only was a bankruptcy reporting, but several accounts that I have never seen before were on my credit report. There were even addresses listed under my profile for places that I have never lived at. 
It was recommended to me to contact the credit bureaus by mail, so I started to send letters to the credit bureaus. I started to make progress with the credit bureaus but then suddenly, they stopped responding to me. It is my understanding that the credit bureaus have 30 days to respond to my request. It has been well over 60 days and I have not received any responses. 
Since my rights have been violated under the Fair Credit Reporting Act, I ask that my credit reports are updated to reflect information that only belongs to me. Please see the attachments that show the accounts in question.

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 2020-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I just got off the phone with US Bank, per my statement is still not generated for my XX/XX/XXXX due date, and I'm in the middle of a refi and need that statement asap. I was told the statement will not be generated until XX/XX/XXXX for a due date for XX/XX/XXXX. The last statement that was generated was on XX/XX/XXXX. 
They are not giving there customers expectable time to make there mortgage payments, and for others trying to close on refi 's there holding everything up. 

I'm in no way in a position of being delinquent, however for others out there this is completely unacceptable. Giving there customers 12 days from cycle to pay is unacceptable and should not be tolerated. Most people won't even receive there statements until maybe the XXXX - XXXX, seeing the XXXX is a Friday. I wanted to bring this matter to someone's attention so that it can be addressed. It is not fair to those that are struggling right now and depend on there statements to budget there finances. 

I can be reached at XXXX if there are any questions. 

Thank you 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 2020-09-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I was served a summons dated XX/XX/20 on XX/XX/20 by a gentleman who came to my door for Forster and Garbus LLP ATTY. Who indicated that I owe money to my previous University in the amount of {$14000.00}. They also indicated within the summons that they are lawyers representing the plaintiff. And if I do not answer the summons within 20 days, I will be penalized and a judgment will be made against me. In addition, the company also started contacting me the same day harassing me about the money owed. 

When I explained to the representative, that there must be some mistake, because I didn't owe money to the University to my knowledge, because I withdrew my classes by submitting a written appeal to the school, as to why I was leaving the university, as I was requested to do my XXXX XXXX. He became very rude and condescending. Asking me questions such as if I was employed? And who do I work for? Then he stated that I worked for XXXX XXXX. As he knew already, but was fishing. 

This is very stressful, because I am already paying off my student loans and is in good standing, and now four years later, I am hit with this. Please can you offer any advice?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Check my credit report, capital one show late payments for XXXX XXXX and XX/XX/2017 XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am reaching out to you today because I feel that XXXX, Experian, and XXXX  have violated the Fair Credit Reporting Act. I have been sending letters to the credit bureaus because I feel that I have someone elses information reporting on my credit report. I would have check more options if I was allowed to when I filled out this complaint form, The investigations did not resolve my issue, and then the credit bureaus stopped investigating my accounts. 
In XX/XX/2020, I was denied credit because due to a Chapter XXXX Bankruptcy. I thought this was odd, so I request a copy of my credit reports. Not only was a bankruptcy reporting, but several accounts that I have never seen before were on my credit report. There were even addresses listed under my profile for places that I have never lived at. 
It was recommended to me to contact the credit bureaus by mail, so I started to send letters to the credit bureaus. I started to make progress with the credit bureaus but then suddenly, they stopped responding to me. It is my understanding that the credit bureaus have 30 days to respond to my request. It has been well over 60 days and I have not received any responses. 
Since my rights have been violated under the Fair Credit Reporting Act, I ask that my credit reports are updated to reflect information that only belongs to me. Please see the attachments that show the accounts in question.

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 2020-09-16 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: Conduent Incorporated
State: OR

Complaint narrative:
My Wisconsin Eppicard Child Support Card has been just closed without prior warning. SO it has been since XX/XX/XXXX since I could use my child support card. I keep calling and calling Eppicard customer service, Wisconsin Child Support, and my local county child support agency. No one can issue me a new card except Eppicard and they do not answer. No matter how long I sit on hold. My account is closed so even the automated service hangs up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
Barclay Bank Delaware # XXXX is reporting lates on XXXX XXXX XX/XX/2020. Due to unforeseen circumstances surrounding the pandemic of COVID19 & the lack of hours provided by my employer, I was severely financially impacted. I have had an account with you for a very long time and plea with you as a one time courtesy to remove these lates off my credit file. Also, DO NOT put a dispute notation on my credit report please.

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 2020-09-16 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:
I found the following fraudulent accounts on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: IN

Complaint narrative:
refused to reduce my interest rate

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 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I opened a new checking and savings bank account online at Chase.com on XX/XX/20 under a promotion to earn up to {$600.00} if certain deposit thresholds are met. Account was approved online and I proceeded to remote deposit a {$5000.00} payroll check on XX/XX/20 and a {$2500.00} payroll check on XX/XX/20. On XX/XX/20, I attempted to login to my account and discovered I am locked out and my account was restricted. I followed the online instruction to contact a Chase call center. A customer service rep told me my account was restricted and I will not have access to the any funds until I make an appointment at a Chase branch with a banker and validate my identity. The checks were processed and the funds will be locked up indefinitely. Plus I will unlikely receive the promotion bonus due to the time it will take to validate my identity and lift the restriction. There would be no way to deposit funds into the checking and savings account to meet the {$600.00} promotional terms while the account is restricted. 

I am an older person with respiratory issue and have been staying at home during the last 6 months to minimize risk of getting COVID-19. I need access to the funds deposited at Chase to pay the rent, food, car loan payment, healthcare expenses and utility bills. Chase does not offer an option to authenticate online or via other non face-to-face methods unlike other Bank. As the largest Bank in the country, Chase is causing financial hardship for consumer of color with their draconian fund restriction policy AND baiting consumers with an attractive promotion term with no intention to honoring the promotion via barriers to block consumer from meeting the qualifications. I am taking precautions to prevent interaction with others out of fear for COVID-19. Chase is forcing me to take a health risk in order to gain access to my money. Despite their " Clean Policy '' and promise to clean their branch, I am not comfortable putting my life at risk but can not cover expenses without access to my bank account in the next 14 days. If I have symptoms of COVID-19, Chase will deny my visit at the branch and will lock up my money for many more weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I realized that I had a bankruptcy that was on my account with all three credit bureaus. I contacted the bankruptcy court and they said they never gave them that information. Then I did a dispute with all three credit bureaus and I requested based on the Fair Credit Reporting Act that they provide who is giving them this information that was in XXXX. They all basically said that XXXX XXXX was providing them with that information. Then I contacted XXXX XXXX and they did a re investigation and they said that they were unable to verify the accuracy of both bankruptcy 's. They also stated that they disputed the bankruptcy that they provided to XXXX XXXX, and TRANS UNION and they said that they have received no response. Then I sent out a letter in XXXX to all three credit bureaus demanding deletion of both bankruptcy 's and I provided the letter from XXXX XXXX verifying this. They all sent me letters back two of which they were not going to delete them because XXXX XXXX verified the bankruptcy 's. XXXX  removed the bankruptcy. In XXXX I contacted XXXX  and TRANS UNION again via phone the representative acknowledge that they had the document from XXXX XXXX and would apply the information but never did and I contacted XXXX  today and XXXX again said they see the information but does not know why it has not been removed. I contacted XXXX XXXX in XXXX and they told me that they would do another dispute on there end and 30 days later they said that none of the credit bureaus responded to the dispute.

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 2020-09-16 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:
On XX/XX/2020 XXXX XXXX XXXX removed the closed account # XXXX from my XXXX  report, but not from XXXX  or Equifax report. 

I'm requesting XXXX XXXX XXXX to include XXXX and Equifax in the removal of my closed account # XXXX. Respectfully, Mr. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
ONCE AGAIN I CANCELLED EXPERIAN MEMBERSHIP NO.XXXX AND EXPERIAN IS CAPURING CREDIT CARDS AND SYSTEMICALLY CHARGING DEBIT AND CREDIT CARDS.

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