vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR

Complaint narrative:
On XX/XX/2022 we received a letter from SPS explaining the process regarding our claim to CFPB and what they have done. The requirement that is addressed in this letter regarding that per investor guidelines they need the name of the XXXX Mortgage holder was not mentioned before until XX/XX/2022 in this letter and the dashboard. We have done everything required to complete the documentation for this case and we feel that they do not want to work with us to sell through a short sale process. Also, they assigned us a relationship manager, XXXX XXXX and we have not been able to reach this person the times we have called to SPS, once last week and once the week before. For this reason we have talked to other two representatives. One and a half week ago, after seeing that we had new comments on our dashboard regarding the XXXX mortgage, we called SPS with our Realtor and the representative explained to us what was needed. We uploaded the documents with the information required, hoping that everything was completed because as per the conversation, there was nothing else. But it was not like that. Some days passed and we continued to see comments in the dashboard. When we called last week on XX/XX/XXXX, we talked to another representative and he let us know that they were requiring us to include in the HUD-1 the name of the XXXX Mortgage holder in line 1108. This is really unacceptable, we are frustrated. Every time we call, there is a different comment that was not there before. As of today, we have been 108 days in this process since XX/XX/XXXX, it will be a total of four ( 4 ) months on XX/XX/2022. Even though they have not been clear during this process, they are giving us until this coming Wednesday XX/XX/2022 to submit all documents, after this date they will not evaluate our case, after almost 4 months in this process. Also, the process to make a decision will take another 30 days after all documents are complete. Today we checked the system and they have not given a response to the last document ( HUD-1 ) we uploaded on Thursday XX/XX/2022. We need help so SPS verify our documents on time before this due date they are giving us and let us know the documents are complete. We do not want to have a foreclosure, we need to continue the short sale process. 

Thank you XXXX XXXX and XXXX 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 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Findings for the investigation for the complaint filed on XX/XX/XXXX and completed XX/XX/XXXX? XXXX ( Confirmation number : XXXX ) continues to be non-disclosed. This is a continuous and unfair practice I have dealt with for 2 years. When creditors and Equifax report EVERYTHING on my account that negatively impacts my score, there is not a link to click on for my viewing. Please assist. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Applied for a lowes home improvement card said i pre qualified sent me to XXXX went through procress here called because it said i was blocked talked a man that said you will get a letter 7 to 10 so that means i didnt quailfy false and misleading i didnt see anywhere where it said prequailfy doesnt mean you qualify now this is a hit on my credit false and mileadind schnory bank the web wont let you capture any of your info because they ask you to take a pic of self and id

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 2022-09-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Covid created a 75 % loss to my business. We had a 2nd mortgage through " Security Service Federal Credit Union ''. On XX/XX/XXXX we received a forbearance. That ended on XX/XX/XXXX. According to the NCUA ( National Credit Union Administration ) after the forbearance period, I should have be allowed ( since I had never missed a payment ) to have a deferral, since I can now make the regular payment. This deferral was to allow me to place the missed payment at the end of the loan and subordinate lien. Instead, XXXX asked to numerous items. I promptly gave them all the documentation they had asked for and time after time XXXX stated I had failed to provide the supporting documentation. This is a blatant lie and it went on for 11 months. According to the law, it should have been completed in 30 days or less. In addition, they were trying to do a loan modification which is not practical for me. Last week, I received a phone call stating they had rejected the loan modification and that all of my CARES ACT missed payments are no due and they will start foreclosure process. This 2nd mortgage was for only {$16000.00} and I have equity of over {$600000.00}. It is obvious the they are violated the CARES ACT and the NCUA guidelines. They have been charging interest the entire time too.

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 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report these items has been stopping me from purchasing my home for my family. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called the telephone number on the back of my Bank of America credit card. I asked the automated system to transfer to a customer service agent. The automated system said try your call again, good bye I tried several times and each time I was unable to get to an agent. I tried pressing different prompts, however, none worked. My problem is complex and the automated system wont be able to assist. Bank of America purposely makes it difficult to speak to a live agent. The Automated System said I understand you want to talk to an agent yet never transfers me. This is an Unfair, deceptive, or abusive act and practice.

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 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica
State: VA

Complaint narrative:
Received letter from Comerica Bank. With welcoming me on my new account. Issued me 5 checks and 2 deposit slips. Never opened the account. Not sure why this bank offers people an option to open an account online and not require them to prove their identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Someone open a JPMCB credit card without my permission. Account # XXXX I disputed the account with XXXX, XXXX and XXXX credit bureaus, I also contact JPMCB I spoke a XXXX XXXX employee # XXXX in collection department. She stated the that the Identity Theft that was file XXXX was not valid do to I didn't submit a police report with the dispute. I dispute it once again on XX/XX/XXXX the credit bureaus they said they contacted the creditor and also send all the information over to them. Which included, A Identity Theft Report, a Police Report I also Fax the information to Chase Card Services fax # XXXX XXXX per XXXX XXXX employee XXXX XXXX in JPMCB collection department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC
State: MO

Complaint narrative:
I disputed a debt on XX/XX/2022 in both email and by certified mail. I indicated a failure to complete my request would result in the claim not being considered. I received nothing in return from this company. Nothing matching any of the reference or account numbers listed on the original contact from them. 

Now I have received a collection letter for the same debt, from a different debt collection agency, who they have seemingly sold it to after failing to validate it. Unacceptable. These new letters also reference nothing related to me. 

Upon further XXXX, the original company has gone out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-09-26 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I called American Express to inquire about their Delta SkyMiles Gold Card which entailed a promotional XXXX Delta Sky Miles for signing up for the gold card. I was told that if I apply for the cards, approved, and used the minimum spending limit {$2000.00} in purchases within 3 months, I would receive the Delta Sky mile points. I met and exceeded all above requirements. On XX/XX/XXXX, I called American express to inquire about my XXXX Delta Sky Miles and why have not received them yet. I was rudely told by operator XXXX ( customer ID # XXXX ) that I did not receive the Sky Miles because of my American Express promotional history. I ask her to further explain, and was told its in promotion agreement and was not required to explain further to me. I explained that I have had another American Express Card for 15 years. The only reason I applied for the cards was the Sky Miles Benefit offered and ask that American Express honor its agreement and give me the miles. I am not aware or made aware of any cards promotion history with American Express that would prevent me from receiving XXXX Delta Sky Miles. I also requested that further investigation be done as to why I was denied the Sky miles? She told me she would not further investigate or was not required to, also no further detail was necessary. 
One I would not have apply for the card if before or at the time of application I was told that I was not eligible for XXXX Delta Sky Miles. I also would not have spent excess of the {$2000.00} if I told of not being eligible for the XXXX Delta Sky Miles before or after the approval. My only reason for obtaining the cards was for the XXXX Delta Sky Miles benefit. By using some credit cards calculation ( Promotional history ) that discriminated me from receiving same benefits as other members has the aroma of breaking The Equal Credit Opportunity Act ( ECOA ), Fair Credit Reporting Act, and Title VII of the Civil Rights Act of 1964. In any case, I feel frauded because I'm now stuck with a credit cards that I would never of applied if it weren't for the XXXX Delta Sky Miles. I have a credit debt that I was dupped into acquiring for a benefit not forfeited. I know times are hard and inflation is up but credit cards companies should not resort to fraud marketing tactics or be allowed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit report agency Experian, failed to do a proper investigation for disputes I have sent to them on XX/XX/2022 & XX/XX/2022. The company has received these handwritten letters and has failed to provide me with a name, address, and telephone number of each person contacted regarding alleged accounts. I have also requested documents bearing my signature showing I have a legal binding contractual obligations to pay them the exact amount claimed owed.

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 2022-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX has been inaccurately reporting on my consumer credit profile since XXXX of 2018. Ive reached out via email & certified mail multiple times to no avail. I also understand this is a direct violation of, but not limited to ; 15 USC 1681-furnishing a consumer report without consent, 15 USC 1681 [ A ] [ 2 ] [ B ] furnishing an account that was created from a credit card or similar device, 15 USC 1692J furnishing a deceptive form to make the consumer believe they owe a debt, 15 USC 1602 ( k ) drafting a contract or similar instrument in which the consumer can not adequately understand.

Im asking you to help remove this charge off 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 non-monetary relief
Consumer complaint received 2022-09-26 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: GA

Complaint narrative:
XXXX has been inaccurately reporting on my consumer credit profile since XXXX of 2018. Ive reached out via email & certified mail multiple times to no avail. I also understand this is a direct violation of, but not limited to ; 15 USC 1681-furnishing a consumer report without consent, 15 USC 1681 [ A ] [ 2 ] [ B ] furnishing an account that was created from a credit card or similar device, 15 USC 1692J furnishing a deceptive form to make the consumer believe they owe a debt, 15 USC 1602 ( k ) drafting a contract or similar instrument in which the consumer can not adequately understand.

Im asking you to help remove this charge off 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 2022-09-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I applied for hardship/forbearance. I got XXXX and was sick for two weeks. I was able to get the paperwork to XXXX XXXX XXXX. I do not know why they had not processed it until XX/XX/XXXX. Included ( Exhibit JJ ). Credit Report Included ( Exhibit 111 ). On Monday, XX/XX/XXXX, at XXXX XXXX. I received an e-mail from XXXX, XXXX ( Exhibit LL ) requesting information from XX/XX/XXXX. I provided all the hardship documents to them three times back in XXXX and the letter indicates I provided the documents ( Exhibit JJ ). All the mistakes XXXX XXXX XXXX  has made have caused me to be in foreclosure. I have done nothing wrong. Please see documents?

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 2022-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
My XXXX  friend XXXX home was XXXX  by XXXX  artillery at the beginning of the XXXX war. She spent a month huddled in the basement with her mother, grandmother, and the family cat. They were taken from the basement at gunpoint, forced into a filtration camp and eventually escaped with the help of a team I assembled. 

I have periodically wired XXXX money gathered from fundraisers to help her family with their journey. On XX/XX/XXXX I attempted to wire her the last of that money, {$2.00}, XXXX dollars. This is why Im contacting you. Ive had a series of problems with this wire, beginning with my bank, XXXX XXXX, who, for security reasons held up the money until XX/XX/XXXX, releasing it to an intermediary bank, The Bank of New York Mellon. That bank has held up the wire since XX/XX/XXXX, citing their own security issues ( Ive successfully wired money from XXXX XXXX to XXXX multiple times in the past with no such issues ). 

There is no point in having the wire go through to XXXX at this point, so I have requested XXXX XXXX to have Bank of New York Mellon return the funds to me. BNY Mellon has given no response, and have ignored four requests ( one a week ) from XXXX XXXX for any information. Mellons communication pipeline is impenetrable, even for my own bank. There seems to be no number to call and no human to speak to. There is only some kind of Bat-phone that is never answered. 

My friend has made it to XXXX with her family, and still desperately needs the money. 

Thank you for your time, and hopefully, your help,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I reported to AIDVANTAGE when they took over my student loans from XXXX XXXX XXXX  that the amount was inaccurate - they have added on additional amounts on a promissory note from a XXXX XXXX XXXX XXXX which attended school in 1991 - I need {$35000.00} removed from this account because it is inaccurate and NOT MINE, as I have proof that I received federal pell grants and only went for a XXXX degree which could NEVER had charged up double that on a student loan in the first place. When told there was an investigation done- which took about 10 days ( total XXXX ) they did not request information from the previous providers nor did they do any contact to the school or due diligence in reference to this said " investigation '' whatsoever. I need the additional amounts removed so I can begin paying on my student loans that I do owe. I want this resolved immediately or I am sending a letter to the attorney general and taking them to federal court for lack of information on their part to charge me incorrectly for someone else 's loan accountability. I need this to happen within 10 days or I will move forward with this claim.

Company response to consumer: Closed with explanation