vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-19 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 — Investigation took more than 30 days
Company: SLM CORPORATION
State: UT

Complaint narrative:
I was in a forbearance plan and had to make a certain amount of payment each month for 3 months. On the last month I put the payment on auto pay to make sure it would continue to pay after the three months. The autopayment did not take enough money out and the company reported me as delinquent. I called and they rectified the error and stated it was their mistake, the loans are now reporting 90 days past due one time and hurting mine and my cosigners credit significantly.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a phone call from someone named XXXX on XX/XX/XXXX in the evening. He said he worked for XXXX and gave me an ID number. He then told me someone in Ohio was trying to use my account fraudulently. With my phone number, he was able to gain access the cell phone I was talking to him on and told me that he found my information necessary to stop the fraud. After we finished the call, my daughter ( she does my banking ) told me I had a significant withdrawal from one of my Chase bank accounts. 
When I logged into my account, I saw t {$490.00} had been sent to someone named XXXX XXXX! I never authorized this or any money to be sent to anyone named XXXX or XXXX! 
I filed a claim with Chases Fraud department. On XX/XX/XXXX Chase refunded me the {$490.00}. 
Today, XX/XX/XXXX, I was alarmed to find that Chase has withdrawn the money taken from me fraudulently. When I called Chase and spoke to numerous representatives until I reached a Supervisor named XXXX. He told me that this XXXX XXXX told them I willingly sent him the {$490.00} through the XXXX ap, which was a bald face lie. At that point, Chase took this scammer criminals word over mine without a shred of proof and took my money again to give to this guy, whoever he is! Now, Im out {$490.00} because Chase believe some liar over their own loyal customer! 
Im totally disappointed and distraught over this situation. Not only has my money been stolen, but my daughter thinks this guy put some kind of tracking ap on my phone against my will! Im going to have go down to the XXXX store to get it removed. Im XXXX years old and my husband is a XXXX year old Veteran with XXXX. This is a real mess we dont need to be dealing with at our age. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
The payment status is incorrect, please delete.

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 2021-01-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
have held a XXXX VISA card for many years with a {$50000.00} credit limit. Two weeks ago, I applied to XXXX to increase that limit to {$100000.00} and provided them with current income figures which are more than enough to justify the increase. However, Equifax obviously did no research into my financial situation but merely said " ... the outstanding debt on your credit accounts is too high ... ''. In fact, the ONLY credit account I have is the same XXXX  card I was applying to increase. I have a net worth of over $ XXXX, have never had one overdue bill and absolutely no debt whatsoever other than that XXXX VISA card. 
As a result of Equifax 's shoddy work, I expect that my credit rating will suffer. As a result of their actions, I have applied for another credit card with a {$100000.00} limit and am convinced that, if I am refused that limit on this new card as well, it will be as a direct result of the Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have attempted to contact XXXX XXXX via dispute letters. I have never received a response from them. 

After contacting my Attorney General Office here in Georiga I was advised that XXXX XXXX XXXX is involved in litigation and the item being reported falls under litigation items with the company.

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 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
My husband passed XX/XX/XXXX from XXXX  XXXX, I notified our mortgage company of his death. I had requested a modification on the mortgage. Spoke to XXXX, Select Port Folio ext XXXX XX/XX/XXXX she stated that they were working on the modification assumption and a property foreclosure sale date should have not been set for my property. XXXX filed a dispute because of the foreclosure date of XXXX XXXX XXXX should not have been set while my modification request was in review. She then transferred me to XXXX a Manager. ext XXXX he stated they're still waiting for transactions from her SSI XXXX card that can be pulled from their website located on the back of the card. Also they received new documents today XX/XX/XXXX will review them as soon as they receive them. They have my Social Security Award letters, I'm elderly I receive my benefits on a card. I don't know any thing about computers and I don't own a computer. I'm Elderly, someone I didn't know knocked at my door asked to look at my house because it was IN foreclosure. I have not received a letter form the mortgage company or the foreclosure attorney saying my house is in foreclosure. I read there is l a hold on property foreclosures until XX/XX/XXXX because of Covid-19 Why does my have a foreclosure sale Date???????????????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I applied for a refinance loan around XX/XX/XXXX. After supplying PNC with all the required information, getting approved, and locking in pricing, PNC attempted to change the rate at the last moment. They reran my credit score ( per them, they claimed my name was misspelled - they transposed 2 letters of my first name when entering my data into their system. ) The sales agent that was responsible for my account has left the company. His boss XXXX XXXX refuses to return my emails dated XX/XX/, and XXXX. Now refi prices have moved against me, they have damaged my credit by running multiple enquiries into the credit bureaus, and I cant refi at best rates ( score was over 800 ) given my now lower credit score due to their clerical errors. Not only is this a classic bait and switch, but the bank has yet to try to resolve the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I haven't received any notice. I would have paid this in full before it was posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On my credit report there is a closed account with huge amount of missed payments. AMERICAN EXPRESS Reported : XX/XX/2020. Its not mine account. This account belongs to my ex husband. I no longer share finances with him, I want to ask XXXX  to remove it from my credit report. I have supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: U.S. BANCORP
State: CA

Complaint narrative:
The US Bank issued the Fidelity 2 % Cashback card in a " bait and switch '' scam. I opened an account 2 years ago, paying the full amount every month. In XXXX XXXX, I bought $ XXXX of e-gift cards for my family members with receipts and emails showing recipients are my family members. I paid the full credit amount as usual. They waited until I paid off my credit card and closed my account and not giving me any option to redeem my points which I have accumulated over the years, with XXXX dollars ' worth. 

I called XXXX and talked to an agent and then supervisor on XX/XX/XXXX XXXX PST. They refused to discuss the nature of any of the transactions and insisting that it is within their power to stop giving me a line of credit any time they seem fit and that they have the final say in this decision.

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 2021-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I disputed the following transactions with Bank of America because my card stolen : - XXXX AU XX/XX/XXXX PURCHASE XXXX AR - {$290.00} - WORKER CREDIT XX/XX/XXXX # XXXX WITHDRWL - {$480.00} - WORKER CREDIT XX/XX/XXXX # XXXX WITHDRWL - {$500.00} They are charging me with this because they don't believe that it wasn't authorized by me. 
They advertise " zero fraud liability '' so I don't understand why they want me to pay them. My accounts are overdrawn by thousands of dollars from them reversing credits from my account. This is so stressful I'm thinking of just killing myself because there is no way I can pay this.

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 2021-01-19 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: PA

Complaint narrative:
I sent my dispute letter on XX/XX/XXXX and I file a complaint to the CFPB on XX/XX/XXXX because i didn't get any results back from the 3 bureaus in the 45 days they have to reply. When i sent out the complaint they said that it was a third party and wasn't me that sent out the complaint and for that they wouldn't do anything about the inaccuracies on my credit report. I feel like i'm being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure investigation these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I was in a forbearance plan and had to make a certain amount of payment each month for 3 months. On the last month I put the payment on auto pay to make sure it would continue to pay after the three months. The autopayment did not take enough money out and the company reported me as delinquent. I called and they rectified the error and stated it was their mistake, the loans are now reporting 90 days past due one time and hurting mine and my cosigners credit significantly.

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 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
Escrow Payments aren't accurate as property taxes are lower. Lakeview was conacted via phone and email multiple times and haven't fixed the issue. They claim they are working on it but it has been 4+ months. 

They recently sent notice that they are now raising escrow ( again with wring property tax # 's )

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 2021-01-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV FINXACT CORE
State: WA

Complaint narrative:
In spite of receiving my first stimulus check from the IRS via Direct Deposit, my second relief fund arrived via a pre-paid " Economic Impact Card '' provided by Money Network and XXXX overseen by Money Network Financial , LLC, XXXX XXXX XXXX, XXXX, GA, XXXX. Their customer agreement is available here : XXXX XXXX XXXXXXXX where it says " You may close your Card account at any time by contacting Customer Service . '' This is a lie. 

The provided customer service number, XXXX, has no option available for closing accounts, nor is there an option to speak to a human. I called on Tuesday, XX/XX/2021 several times. 

I believe this is a violation of federal law. 

I wish that I could close the account, and have their records erase my personal information, which is my right by law. 

I recommend that they be fined, and be barred from contracting with the US or local governments forever. 

Please prove that you are really for the consumer and not the big bank ( as it seems Congress is, by using this company in the first place instead of just using direct deposit ).

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 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Contacted both XXXX XXXX XXXX and Experian via phonecall XXXX. 
I was denied a charge card by XXXX via letter dated XX/XX/2021 for the following reason -> Insufficient credit experience and it was based on " in whole or in part, on information obtained from the consumer reporting agency : Experian '' and " is unable to supply the specific reasons why we have denied you credit. '' I telephoned and spoke to the XXXX XXXX  representative who was NOT helpful at all he referred me to the credit agency Experian. 
I telephoned and spoke to an agent of Experian and I explained to him that I am XXXX  years of age and if he could explain the reason given " insufficient credit experience '' for denial of a charge card that I could conveniently use during my travels. He stated the reason being that I do not use my credit cards showing any balance of any kind. My usage of the credit card ( s ) that I do have is consistent and I pay the balance in full to avoid any accrual of interest payments added to my credit statements. It is of my opinion that this is an unfair practice and a case of age discrimination in regards to applying for a charge card as a consumer in the marketplace especially since I have excellent credit and pay my bills in full. Furthermore, I feel that I have sufficient credit experience NOT " insufficient ''.

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 2021-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE Financial Debt Collector called for 2nd time via a recording that a debt is owed, and if not paid, legal actions will be taken against me. The case number they stated is : XXXX. They said their website is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: DISCOVER BANK
State: GA

Complaint narrative:
I did not open an account with Discover Financial Services LLC. This is a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: AL

Complaint narrative:
The account XXXX is listed on my credit reports as an unpaid charge off. I have mailed a few letters to Ford Motor Credit customer relations in hopes of settling the debt or at least reaching an agreement, in writing. Each letter results in a denial of accepting whatever payment amount I offer. In my most recent letter dated XX/XX/2020 I offered to pay {$4200.00} for the car and the response was, " XXXX  declines to accept your request to settle your balance. '' I would assume at this point either filing for bankruptcy to be completely done with this account would be the next best step considering that Ford has not made any attempt to pick up the car, which they can do at any point with no fight. The pandemic has greatly impacted my household and I'm ready to be done with this account. It is not only impacting my credit profile but the car doesn't even start which is shocking considering it is up to date with all maintenance check ups and is simply not worth the XXXX  anymore. I believe that the original contract is in full force and effect and would call for Ford to reclaim the car and credit the value of the car and any balance left I would be responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
While reviewing my credit report on XXXX XXXX, 2020, I discovered that there are inaccuracies on all three credit bureaus. I have filed a report with the federal bureau and the company, but it has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unable to Get my updated credit report. I want my credit Score to be updated

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