vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been unable to open an account with XXXX XXXX or Synchrony Bank due to having my information stolen along with identity.

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 2021-05-04 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: TX

Complaint narrative:
wrong info : FCRA violations XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX XXXX, TX, XXXX see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: NM

Complaint narrative:
I keep getting called about debt its been seven years and debt is still being reported. As a result I am unable to purchase a home. Also I was contacted by IRS and was force to pay the IRS because the credit card debt was charged off and taxed as chargeable income.

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 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
I tried to rent a XXXX truck got there and decided to cancel the transaction so I was told everything was voided and my money would be refunded within 5 days but the prepaid card company ( current ) still has a pending hold on my card I spoke to several reps and I feel like the trying to scam me out of {$510.00} so now I'm contacting you guys. The transaction happened on XXXX XXXX and I still haven't got my money bk it's not the truck rental company it's the current ppl who's holding my money and for what

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I qualified for a modification due to Covid. My trial period was from XX/XX/2020 to XX/XX/2020. I had to pay XXXX per month for three months. The XXXX payment was made the end of XXXX. I was sent documents that needed to be signed and notarized. I took them to the notary and sent them back to the mortgage company. The notary did not verify our names correctly. The documents were not accepted so they sent me another set of the same documents to have done again. In the meantime, I was told by my case manager to hold off on my payments because the dates and amounts will change. The second set of documents were notarized and sent back before the deadline date. I waited until XXXX to send a combined payment of XXXX which would apply as the XXXX and XXXX payment. The mortgage company did not accept the payment and sent me a letter stating that they would be shredding my check. Since that time, I have called and insisted to talk to managers. I spoke with XXXX, XXXX and XXXX and they all promised that this was an error on the banks side and would be corrected and my account would be fixed. I have not heard back from any of the managers that promised me a call back and my loan still is not fixed. Please help.

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 2021-05-04 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 — Investigation took more than 30 days
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
I have disputed this account on my credit report. 

I disputed this account directly with original creditor. 

Original creditor failed to respond in 30 days FCRA violation. Sent certified mail. 

Dispute sent on XX/XX/21 delivered XX/XX/21 Their letter is dated XX/XX/21 and was not delivered until XX/XX/21 They did not provide information requested. 

This account needs to be deleted immediately for failure to validate the debt and provide supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: NY

Complaint narrative:
loan index # XXXX XXXX XXXX XXXX XXXX , XXXX AS OWNER TRUSTEE OF THE RESIDENTIAL CREDIT THAT DONT OWN THIS LOAN SERVICERNAME : FCI LENDER SERVICES INC XXXX XXXX XXXX XXXX CA XXXX FAX XXXX ACTING AS SERVICER FOR LOAN THAT IS FRAUD. 

LOAN HAS BEN TRANSFERED FROM UNDER A FHA / HUD WITH XXXX AND WAS DISMISS UNDER A OLD CASE BY XXXX XXXX ON XX/XX/2013 BECAUSE XXXX COULD NOT PROVE OWNERSHIP. 

I WANT TO KEEP MY HOME, I HAVE TWO ELDERLY PEOPLE WITH XXXX  AND PLUS ME LIVING ON A XXXX XXXX THAT SHOULNT BE UPROOTED DURIN THIS PANDEMIC OR LIFE SPAN THAT ARE AGE XXXX AND XXXX. I WORK FULLTIME FOR 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 2021-05-04 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: IL

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint
with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
Never knew I could dispute debt until now that I was attempting to purchase a home. Also, I have been harassed and threatened that cops would be sent to my house. Family members have been called trying to revive payment and when Id attempt to get information. They were vague and rude. This negative report has been on my account longer then seven years and is affecting my home purchasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed my account has no proof of sending me my funds and I have not received the check for XXXX. They said they expedite the money but only the saving account amount was sent without the checking. The savings was XXXX dollars and some change. They made decision to mail the checking account via XXXX but they have no proof they sent it at all. 

I have not received it they are stalling me. The said if the check was returned then they could resubmit or it would take 120 to issue a new check. 

They are keeping my money for as long as they can. Please help me. 

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 monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I initiated a transfer from my bank, XXXX XXXX, on XX/XX/XXXX to my Venmo account. According to my statement, the funds were debited from my account on XX/XX/XXXX. 
The funds are still not available today at Venmo XXXX. My understanding is the ACH transfer should take a couple of days at the most. Vemno said it would be available XXXX. When I called them they gave me a song and a dance. SHouldn't they be processing these transfers quicker? Seems like the ol' float game to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
In XXXX, XXXX, I applied for a mortgage modification with Select Portfolio Servicing due the Winter Freeze in XXXX, XXXX, recent health issues to where I got behind on my mortgage. I was told at the time that I qualified for a modification so I proceeded with the application process. I went online to check the status of the loan modification and was given a repayment plan for a year in the amount {$1200.00} which is way beyond what I can afford. I clear only {$2100.00} but I have a car payment at {$450.00}, car insurance at {$160.00}, high utility bill which we are getting gouged from the Winter Storm and there is no money left for transportation to work and food. I feel that they made this payment plan unaffordable with the intention to take my home away. It's beyond unconscionable for them to do this. I was willing to continue paying the {$950.00} or the original {$860.00} payment if they would defer the arrears to the end of the term. I am not trying to not pay for what I owe but I need help! Due to the Coronavirus, my employment is on a pay freeze and I am unable to increase my income due a back injury from a car accident back in XXXX. SPS is a such a shady mortgage company, they charge all kinds of fees and act like they will help but when it comes down to it, they are always threatening to foreclose. I fight them every time and I am stuck with them holding my mortgage. I am working on my credit but it's a long process since I am still trying to clean up old debt from my job layoff in XXXX and XXXX. I am hoping once I get my credit good, I can refinance with my bank to get my home away from SPS. Can you help and maybe get them to put the arrears at the end of my term or modify my loan. 

Thank you for your attention in this matter and God Bless you. 

XXXX 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 2021-05-04 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: TX

Complaint narrative:
fcra violations ; not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have called Sychrony/Walmart numerous times to pay off a past due debt. They advised that they can not accept payment because a 1099c has been issued in XX/XX/2016. They sent me the 1099c and I forwarded to all 3 credit reporting agencies and they confirm that Sychrony/Walmart confirms that the debt is valid and it has not been cancelled. I attached the 1099c along with my IRS tax statement that shows that the debt was cancelled. They are reporting that the balance due is XXXX but according to the 1099c the debt has been cancelled so no balance is due.

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 2021-05-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have disputed this account on my credit report. 

I disputed this account directly with original creditor. 

Original creditor failed to respond in 30 days FCRA violation. Sent certified mail. 

Dispute sent on XX/XX/21 delivered XX/XX/21 Their letter is dated XX/XX/21 and was not delivered until XX/XX/21 They did not provide information requested. 

This account needs to be deleted immediately for failure to validate the debt and provide supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: FL

Complaint narrative:
To whom it may concern, I am writing this complaint because I have been bullied by the credit bureaus. I have been trying to dispute with the creditors ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ) and credit bureaus ( Equifax, XXXX, and XXXX  XXXX. All three Beurues have been unresponsive and have failed to properly verify my information with the creditors. I just finished getting off the phone with Equifax and I was told that I had no idea what I was talking about and that their responsibility as a credit reporting agency was not to verify the information by the creditor but to report the information that the creditor had on file. That to me was a slap in the face. I need help with these monster companies. I have specific documentation attached to this complaint that shows that I have tried everything with these companies and have gotten no responses. Please help me. I am frustrated and tired of being taken advantage of by these companies. Like I mentioned before, XXXX, XXXX, and Equifax do not verify my disputes and they refuse to verify my hard inquiries as well. 

Please reach out if you have any questions. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian, XXXX  and XXXX are reporting incorrect information regarding the following dispute : 1 ) Bankruptcy ( XXXX ) failed to report the correct claim and liability amount. See attached report from Experian. 

2 ) XXXX XXXX ( XXXX ) failed to report the correct balance and has never been late 3 ) All of the XXXX/XXXX XXXX ACCOUNT was paid in full and never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

7. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



8. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

9. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
My homeowners insurance was not paid in a timely manner, as of today XXXXhas not been paid. I received a bill from XXXX yesterday XX/XX/21 indicating no payment received. 
I have an impound account with Flagstar mortgage. My renewal bill was due XX/XX/XXXX. Flagstar said that they received a bill on XX/XX/XXXX and paid the mortgage insurance through a check which could take up to 10 business days. 
XXXX has indicated they sent out two renewal letters to Flagstar. One dated XX/XX/XXXX and XX/XX/XXXX. 
XXXX has stated that they have not received a payment and that as of XX/XX/XXXX I do not have homeowners insurance as a result of the non-payment. 
I am forced to make a payment out of a credit card until they receive the payment. 
I have filed a complaint with Flagstar as they can not make a payment or expedite a payment. And I have filed a complaint with XXXX as they have not received a payment and therefore my account has lapsed. 
At this point my only option is to pay out of pocket on a credit card. I feel this is a discrepancy on both parties and I as the consumer are placed in the middle due to discrepancies. 
I do not want this to happen to others and so I feel I need to use my voice to at least have it documented. Thank you

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 2021-05-04 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have bank loan for XXXX I payed XXXX back. Now my car loan says my original balance was XXXX now and I owe XXXX back. Because I lost job due to Covid. Not a good look on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: AMERICAN HONDA FINANCE CORP
State: DC

Complaint narrative:
On XX/XX/2020, I had a payment of XXXX that was do for my vehicle. Which was late because I was sick with XXXX XXXX. I reached out to American Honda fiana. They said they couldnt help resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Crossroads Systems Inc.
State: NE

Complaint narrative:
I applied for a PPP loan through XXXX XXXX on XX/XX/21. I was SBA approved on XX/XX/21. They then sent an email saying my documents will be sent to me in 2-3 days. I got my documents to sign for funding XX/XX/21. I was not able to change my banking info they sent another email to update my banking XX/XX/21. They then sent an email saying it takes 2-4 business days for my funds to be in my account. It is now XX/XX/21 and I have emailed them and chatted with them everyday and they told me to be patient and they dont have a ETA on when my funds will be sent to my account. They do not have a phone to contact them, the lender Capital Plus Financial doesnt have a way for me to contact. I have emailed the CEO of capital plus financial every single day which is the lender and I have not heard anything from them at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation