vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I returned the XXXX drum machine back to the store was credited the amount. I opended a dispute and it was ruled in the merchants favor and I do not understand why when I showed that the merchant credited the amount back to my card. I opended the dispute in XXXX and took until XXXX to get XXXX to tell me that it was ruled in the Merchants favor. This time frame is unacceptable. I called your customer service in XXXX and Reopened the case. The rep assured me this was taken care and issued me refund for {$36.00} for a payment that posted to to you from my acct. I get a notice on XXXX that a payment is due again when i should have no payment due because its in dispute. I stay on the phone with XXXX different reps only to find out the rep that assured me in earlier XXXX the she opended the case never did. I had to refile the dispute. This process has been mentally draining... I am not happy at all. I am going to file a complaint with the XXXX  and Consumer Protection. I need a permanent credit placed on my Acct ASAP

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 2021-12-28 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: VA

Complaint narrative:
Multiple credit disputes were filed with the 3 credit bureaus ( XXXX, TransUnion, XXXX ) regarding a car loan with XXXX. The account has been closed and paid off with Ally ( XX/XX/21 ) and yet it is not reflected on my credit report. In each dispute with the credit bureau, loan payoff documentation was provided. 
XXXX ( file # XXXX on XX/XX/21 and XXXX XX/XX/21 ) XXXX  ( file # XXXX on XX/XX/21 ) TransUnion ( file # XXXX on XX/XX/21 ) Additionally when the results came back I sent letters to all XXXX bureaus with a consumer statement on XX/XX/21 and it is still not appearing on my credit report. I fought with XXXX on XX/XX/21 and they admitted they got the statement and stated that it was added but refused to address the issue of the incorrect information added in XXXX on my credit report. 

I have been unable to contact trans Union or XXXX as they do not allow options to speak to someone. Just seeking assistance is getting the consumer statement and information updated to my credit report.

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 2021-12-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Multiple credit disputes were filed with the 3 credit bureaus ( XXXX, XXXX, Experian ) regarding a car loan with XXXX. The account has been closed and paid off with Ally ( XX/XX/21 ) and yet it is not reflected on my credit report. In each dispute with the credit bureau, loan payoff documentation was provided. 
XXXX ( file # XXXX on XX/XX/21 and XXXX XX/XX/21 ) Experian ( file # XXXX on XX/XX/21 ) XXXX ( file # XXXX on XX/XX/21 ) Additionally when the results came back I sent letters to all 3 bureaus with a consumer statement on XX/XX/21 and it is still not appearing on my credit report. I fought with XXXX on XX/XX/21 and they admitted they got the statement and stated that it was added but refused to address the issue of the incorrect information added in XXXX on my credit report. 

I have been unable to contact XXXX XXXX or XXXX as they do not allow options to speak to someone. Just seeking assistance is getting the consumer statement and information updated to my credit report.

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 2021-12-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
My husband died XX/XX/XXXX. 
Estate attorney, XXXX XXXX advised me to no longer pay mortgage payment. 
I have tried to renegotiate loan, etc. since then. 
Select portfolio servicing has, especially since my XX/XX/XXXX having a HUD XXXX from XXXX, harassed me with multiple requests for same documentation, often multiple letters on same day. 
SPS continues to, as recently as two weeks ago, request already submitted documentation. 
SPs continues to publicly disperse documentation that my income is {$0.00} -- which even my HUD Counselor disputes, including at a Mediation Hearing, XX/XX/XXXX. 
SPS has three times contacted XXXX XXXX XXXX company ( house insurance ) stating that since house is unoccupied, insurance is to be cancelled. Twice, XXXX XXXX has informed SPS that policy is with ME, not SPS, so will not be cancelled. The third time, this fall, I contacted office of Delaware Insurance Commissioner, sent +/- XXXX documents showing residency, and has XXXX XXXX XXXX policy until XX/XX/XXXX. 
XXXX XXXX XXXX mistakenly wrote that my contact person was residing here rather than me! 
Contact person is aware of this flub. 

Approximately a week after Mediation Hearing, I received a letter from SPS which stated that all I needed to do was to resume payments against mortgage ( XX/XX/XXXX ). 
However, both HUD Counselor and representative between SPS and REALTOR discounted this action. 

SPS has now indicated to HUD Counselor that the company is " frustrated '' and is acting " aggressively '' to be rid of me. 

I am actively seeking a short sale, although XXXX XXXX, XXXX, is acting discourteously at best. There has been on low offer, Additionally, my son and I are concerned that, with publicized stories of people who are money-laundering may be offering a low cash value for private reasons, given their seeming lack of interest in this property, as well as their arriving for the showing which had been cancelled by XXXX XXXX XXXX 

Now, it seems that SPS and XXXX XXXX are pressuring me to vacate within a couple of weeks although we have requested until XXXX to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: MN

Complaint narrative:
I have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2021-12-28 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: MN

Complaint narrative:
I have previously disputed with XXXX, Experian and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2021-12-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On Monday XX/XX/2021 at XXXX ( EST ), I received two emails from XXXX XXXX XXXX  confirming opening of both a checking account and a savings account. Both accounts were opened fraudulently. XXXX XXXX Bank ( and XXXX - read below ) allowed both accounts to be opened even though I have identity theft flags on my credit reports which I updated through the CFPB consumer portal in XXXX ( 2021 ) as a result of XXXX allowing a checking account to be opened. I immediately called XXXX XXXX and was transferred to a rather combative CS Manager in XXXX XXXX XXXX fraud department who went so far as to say to me ( on a recorded call ) that " [ he ] didn't have time to stay on the phone '' when I began asking him questions about how the account was opened?, was it opened online or at a branch?, what proof of identity was provided to open the accounts?, how were the accounts opened when I have identity theft flags on my reports as a result of the XXXX breach ( and considering I updated the identity theft flags notifying all three credit bureaus that fraudulent accounts were opened )? He said I would receive a letter in the mail in XXXX days but claimed, contrary to FTC regulations XXXX that XXXX XXXX would not provide me the information of how the accounts were opened, what identity information was used to open the accounts, what federally mandated ID was provided to open the accounts, etc... XXXX XXXX you will provide me with the information about how the accounts were opened. I ask the CS manager who 'approved " the accounts being opened and he specifically named XXXX ( again, this is a recorded call ), thus XXXX XXXX has twice now, first with XXXX and now XXXX XXXX bank, within a 6-month period, approved fraudulent accounts being opened, EVEN THOUGH ALL THREE OF MY CREDIT REPORTS ARE LOCKED and even though my credit reports have been flagged for identity theft since I received notification of the XXXX XXXX  breach... 

I spent nearly 1.5 hours at a XXXX  branch, thus face-to-face and with the Branch Manager, being put through the hoops to open accounts because of the identity theft flags, YET XXXX has, twice XXXX approved online accounts to be opened. 

I am adding Equifax and XXXX to the complaint for notification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: MD

Complaint narrative:
On Monday XX/XX/2021 at XXXX ( EST ), I received two emails from XXXX XXXX XXXX  confirming opening of both a checking account and a savings account. Both accounts were opened fraudulently. XXXX XXXX XXXX  ( and XXXX - read below ) allowed both accounts to be opened even though I have identity theft flags on my credit reports which I updated through the CFPB consumer portal in XXXX ( 2021 ) as a result of XXXX allowing a checking account to be opened. I immediately called XXXX XXXX and was transferred to a rather combative CS Manager in XXXX XXXX XXXX fraud department who went so far as to say to me ( on a recorded call ) that " [ he ] didn't have time to stay on the phone '' when I began asking him questions about how the account was opened?, was it opened online or at a branch?, what proof of identity was provided to open the accounts?, how were the accounts opened when I have identity theft flags on my reports as a result of the XXXX breach ( and considering I updated the identity theft flags notifying all three credit bureaus that fraudulent accounts were opened )? He said I would receive a letter in the mail in XXXX days but claimed, contrary to FTC regulations , that XXXX XXXX would not provide me the information of how the accounts were opened, what identity information was used to open the accounts, what federally mandated ID was provided to open the accounts, etc... XXXX XXXX you will provide me with the information about how the accounts were opened. I ask the CS manager who 'approved " the accounts being opened and he specifically named XXXX ( again, this is a recorded call ), thus XXXX XXXX has twice now, first with XXXX and now XXXX XXXX XXXX, within a XXXX period, approved fraudulent accounts being opened, EVEN THOUGH ALL THREE OF MY CREDIT REPORTS ARE LOCKED and even though my credit reports have been flagged for identity theft since I received notification of the XXXX XXXX  breach... 

I spent nearly 1.5 hours at a XXXX branch, thus face-to-face and with the Branch Manager, being put through the hoops to open accounts because of the identity theft flags, YET XXXX has, twice , approved online accounts to be opened. 

I am adding XXXX and Experian to the complaint for notification purposes.

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 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: MA

Complaint narrative:
Despite my repeated requests to stop calling me, I keep getting calls from " Guaranteed Rate Mortgage ''. My last e-mail was to XXXX XXXX ( XXXX ID : XXXX ), XXXX XXXX XXXX, who has clearly ignored my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
On XX/XX/2021 received notification that a medical bill was in collections, for {$1500.00}. I call the company to get further information about the debt. Upon doing more research I see that the actual debt is for {$1400.00} from the emergency services given. I now find out that Credit Systems , Inc company is charging me interest on the medical bill debt. I've never had interest on a medical debt and I think that they are illegally doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
XX/XX/XXXX : I contact Bank of America ( BOA ) to assume my ( 2 ) current mortgages ; both currently in my and my ex-husbands names. He is remarried and resides with his current wife in a different city. He quit claim to the property and filed bankruptcy after our divorce was final in XXXX. I continue to occupy and pay both mortgages since XXXX. BOA told me the application process for assumption is the same as the application for refinance despite explaining that I do not want to refinance. Application packet received in mail. 
XX/XX/XXXX : I complete application, attach taxes, allow access to previous tax returns, check stubs, tax bill, insurance dec page, etc ; weeks of gathering documents and signatures including signed and filed Quit Claim Deed. I have not had a late payment to BOA in years yet 'XXXX  from BOA ' claims there is no alternative but for the big bank to run a credit check, refuse my request for assumption and turn my life upside down. Instead of helping me, they hide behind red tape to price gouge me out of my home. Even go as far as renege the despicable offer to refinance based on my credit score ( which is ALL medical bills ). They will not offer any level of existing customer consideration for my explanation of low credit score or good payment history. Not sure what their end game is but to make living my current home unaffordable. I need to assume my mortgage ( s ) under their current terms, i.e. payment amount ( s ) and interest rate ( s ). I am under court order to do so and have NEVER missed a payment with BOA. Today I call to speak with anyone who could help me and 'XXXX  from BOA ' says I have no alternative but accept the rejection. There are no loan officers or underwriters who speak to customers so I am filing a complaint against the big bank who I believe can and should do better for people. I believe I read online that the law says I am not required to refinance in order to assume the mortgage ( s ) which leads my question that BOA is choosing to treat me this way. As an existing customer I should not have to seek out or pay for legal counsel to negotiate with a mortgage 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 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have requested on more than one occasion from all three credit reporting agencies that the attached information for the account in question be removed and it remains on my credit report despite it being well over seven years old.

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 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have requested on more than one occasion from all three credit reporting agencies that the attached information for the account in question be removed and it remains on my credit report despite it being well over seven years old.

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 2021-12-28 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had an account with chase. It was an amazon card. For whatever reason Chase decided to close this account. The account had a {$170.00} balance. Chase took me out of their system. I was unable to sign in online to pay. They sent me a notice so I called their phone #. The system would not let me talk to a person unless I had my account number. I did not have it. ( this was an amazon card that is all I used it for ) So after they sent me another notice, I went to a local branch. I explained my problem, and they gave me the right number to call as well as my account number which I did not have. I called it, and paid the balance in full. Now they are reporting me for a late payment on my credit that I have been working very hard on to get great. Not fair. They removed me from their system and left me no way to pay. I took the initiative to find a way to reach them and paid in full. They then waited XXXX weeks and are reporting me late now. I called them to dispute this. Twice. They said that there is nothing they can do to change it. I disputed with XXXX, XXXX, and XXXX and they all just put a little note stating that the customer disputes. Again- not fair. Doesnt help the impact on my score which is down like XXXX points for this one ding. Also, Chase has refunded me the entire late fee. I think that fact by itself is enough to prove that Chase recognizes that the late payment was their fault and not mine. PLEASE help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
PHH mortgage company paid XXXX taxes for XXXX and refunded the amount left escrow to us. When we called the customer service line they stated the escrow department does not take calls and gave us an email address. We sent correct tax statements to PHH that we ourselves found on the XXXX XXXX tax website and informed them of what they should have done. We informed PHH of their mistake, gave them the correct documents that they should have had and done themselves. PHH then stopped communicating with us. We have been unable to get ahold of any one in the escrow department since XXXX XX/XX/XXXX. No one will return our emails or even call us. I have called the customer service department and all they can tell us to do is look online and check our statements. We want someone to talk to us take the check back they sent us to correct the now deficit in our escrow account that their incompetence created.

Company response to consumer: Closed with explanation