vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/21 I went to XXXX XXXX at XXXX with someone < XXXX y/o. I was not informed of the policy of > XXXX y/o after XXXX until my card was charged. I was promised by the cashier that they would process the refund at the end of the day if we didn't play any games and just left. After a couple of weeks with no refund, I called XXXX inquiring the refund and was told they don't recall my story so I opened a dispute with Discover on XX/XX/21. Discover gave a temporary credit while they were investigating and originally sided with me. Then on XX/XX/21 they charged me back for the transaction, but credited it back on XX/XX/21. On XX/XX/21 Discover decided to side with the merchant and charged me again, but this time with no credit back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
Chex System is reporting information on my report that was not initiated by me and I did not apply for credit. There is an account from XXXX XXXX bank being reported on my report and I have called XXXX XXXX bank, left messages and no one has returned my call. Chex System is continuing reporting this account. 

Also, there are inquires showing on my report that wasn't made by me and I'm asking Chex System to delete these inquires. 

There is also two accounts being reported by XXXX  XXXX  XXXX. Both accounts is showing the Closure Status date as XX/XX/2021 which is incorrect. Also, the state for these accounts is blank and being reported in error. I would like both these accounts deleted from my report as Chex System is reporting these two accounts inaccurately.

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 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
My husband was disable veteran he is diseased My Mortgage company had me in foreclosure stating I owed XXXX My son loan me the money we paid it plus a mortgage payment. 
We were told that was all I owed to reinstate the loan XXXX. I didn't have the customer service person that all I owed. In XXXX I completed a Mortgage Assistance Application for help with my mortgage. Instead I received a statement stating I owed XXXX I called PHH about this statement, The relationship manager states I have the term of the loan to pay back XXXX. He hasn't giving me a reason for payment after paying XXXX which I had to borrow from my son. I paid XXXX in XX/XX/2021 He didn't give me a reason for this charge..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: Rocket Mortgage, LLC
State: TN

Complaint narrative:
Rocket Mortgage is showing a delinquent balance on my credit report. Showing 120 days past due. I dont have and never have had an account with Rocket Mortgage. I did inquire about a refi with them but did not follow through with obtaining a loan. Please help me get this removed from my credit report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: CA

Complaint narrative:
On or about XX/XX/XXXX I closed on my property with XXXX XXXX. On or about XX/XX/XXXX I became severely affected by the coronavirus and had to enter into a 3 month Covid-19 Mortgage Forbearance Agreement. I had extended for a third time in XXXX with XXXX XXXX  that gave me federal protection under the CARES Act for the months of XXXX, XXXX and XXXX. Later in XXXX I receive a letter from XXXX  XXXX  dated XX/XX/XXXX giving Notice of Service Transfer. It confirmed the total balance of my mortgage and read my payments will resume XX/XX/XXXX ( the letter has typo of year XXXX ) please see attached. It also confirmed Midland Mortgage will be my mortgage servicer after XX/XX/XXXX and they will be expecting payment on XX/XX/XXXX. On or about XX/XX/XXXX I setup my account with Midland Mortgage online. Once in my online Midland Mortgage account portal I noticed that that they had my Forbearance ending XX/XX/XXXX and payment required XXXX XXXX. Immediately alarmed by the discrepancy I notified Midland Mortgage and informed them I was a transfer and that my Covid-19 Forbearance plan ended in XXXX of XXXX. The Midland Mortgage representative just refused to acknowledge the facts of the guaranteed federal protection time period I was granted with Movement Mortgage. I got no where with the first Midland Mortgage representative after forty-five minutes on the phone. So on XX/XX/XXXX I reached out to a Movement Mortgage loss mitigation named XXXX who confirmed that my Covid -19 Forbearance was in place from XXXX - XXXX and she acknowledged the typo for my payment start date. She further reminded me that my account was transferred to Midland Mortgage and they know the proper protocol for these matters and advised me to call them, my new mortgage servicer, Midland Mortgage, again. So after hanging up I called Midland Mortgage wasted forty-five minutes on the phone with they loss mitigation ( imposter ) who was " taking notes ''. Finally, he admitted he was not loss mitigation and he cant give me a number but can transfer me to loss mitigation. Finally, I spoke to loss mitigation rep XXXX ID XXXX who actually looked at information for another forty-five minutes and could not provide a answer for the wring dates. I asked how they knew I was on the CARES Act and what documents did they use to determine it ended in XXXX? No answer. I asked who put the information in the computer? No answer. It had to have been put there wrongly deliberately. She said she would research the documents I will have answers at a later date. I told her this impacts my life and family lively-hood and I will be reaching out to consumer advocates for help. I do not understand how Midland Mortgage cant explain how they wrongly got my Covid-19 federal protection ending in XXXX and refuse to fix it.

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 2021-10-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: GA

Complaint narrative:
XXXX  XXXX  XXXX  id XXXX is reporting incorrect information to transunion. it is reporting 149 days late from XX/XX/2021 to XXXX XXXX and it is over 300 days late. please close account and remove from 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 2021-10-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF THE WEST
State: MA

Complaint narrative:
Originated Loan with Bank of the West Essex Credit in XXXX XXXX CA During Application process, Loan Officer assured me the vessel would be Coast Guard documented in name of LLC of which I am 100 % owner. Now that loan has closed they refuse to do that leaving me unable to document vessel with Coast Guard

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 2021-10-26 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: NC

Complaint narrative:
I haven't made the best attempt at resolving this matter. I was homeless five years ago then my credit became poor. Unfortunately a strange woman stalks me and horrific crimes against me have taken place since the last time she was released from prison for crimes against me. I paid some of my debts over the past five years and I expected my credit score to increase but it has been XXXX before XXXX when it's now XX/XX/XXXX. I read my report online in an attempt to understand why no change for practically five years and although I'm sure XXXX is wrong the reporting states I am receiving nonpayment feedback every month from open collection accounts and it reports accounts are open which have long ago charged off and closed. I should know I defaulted and havent any credit account since XXXX although some creditors claim an open account. I demand someone legally investigate and increase my score because I'm sure it's XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: Kingston Data & Credit International Inc.
State: MT

Complaint narrative:
I have disputed multiple times a collection from Kingston collection and anytime fitness multiple times I do not owe them for this account as it was closed and their was nothing oweing on the account when it was closed. Yet they turned me into collections and are calling me harassing me and I do not owe them. They have damaged my credit rating and contributed to my inability to purchase my home. I have contacted transunion multiple times and they say they have investigated and the account info is correct and left the inaccurate info on my account. This is not the only time I have had issues with transunions so called investigations they did this with inaccuracies with 2 XXXX  XXXX  XXXX  accounts on my report that also significantly damaged my credit score and contributed to my inability to obtain a home loan and require me to lease a rental property. Their investigations take longer then they should and they are not adequate. I have contacted the XXXX to help get anytime fitness to acknowledg the collection is not accurate and I will report Kingston professionals in any way possible to put an end to the phone calls and harassment trying to force me to pay a debt that I do not owe. XXXX could easily validate my dispute but from my experience and having this be an issue on multiple occasions on multiple accounts within their reporting of and investigations into my credit report it seems they are not handling their duties as they should and the consequences of this has caused me financial loss, loss of time, XXXX, and all around has had a domino effect that has impacted almost every aspect of my life. Your credit rating is essential to maintaining financial stability and those who are in charge of ensuring its accuracy should hold themselves and their duties to a higher standard then what i have experienced with the handling of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Accounts Service
State: CA

Complaint narrative:
CA Account Service was removed from my XXXX credit file in XX/XX/XXXX. When checking my credit report on XX/XX/XXXX I noticed that CA Account Service was added back to my credit file. I have not received any notification from CA Account Service or from XXXX regarding the account, amount owed, date opened, any documentation that I owe an outstanding balance or that this account would be added back to my credit file.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of Transunion Inquiry issue, they wont remove inquiries off of my 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 2021-10-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports : 1. XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX, XXXX-Highest Balance {$1700.00} 2. XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 3. XXXX XXXX  U-Balance $ XXXX-Date Opened : XX/XX/XXXX 4. XXXXXXXX XXXX XXXXXXXX C-Balance XXXX XXXX-Date Opened : XX/XX/XXXX 5. XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 6. XXXX XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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 — Investigation took more than 30 days
Company: AES/PHEAA
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Comerica
State: GA

Complaint narrative:
MONEY WAS WIRED TO XXXX XXXX ON XX/XX/21 AT XXXX XXXX  FOR XXXX XXXX TO PERFORM A REHAB ON MY PROPERTY XXXX XXXX XXXX XXXX LOCATED IN XXXX, MICHIGAN BASED ON HIS SCOP OF WORK.I MADE 2 DIFFERENT WIRE. FOR WIRE TRANSACTION WAS FOR THE AMOUNT OF {$20000.00}. XXXX WAS SUPOSE TO ORDER MATERIAL WITH THE MONEY THAT WAS SEMT TO HIM. DUE TO THE BACK AND FORTH HE WAS NEEDED. MORE MONEY SO HE CAN PAY FOR LABORS AND OTHER ITEMS HE LIED ABOUT.. SO AT THAT TIME MONEY WAS WIRED TO HIM FOR THE SECOND TIME FOR THE AMOUNT OF {$65000.00}. AFTER A MONTH ME AND MY BUSINESS PARTNER XXXX TOOK A TRIP TO XXXX TO LOOK AT THE WORK THAT WAS PERFORMED ON THE XXXX XXXX XXXX XXXX. WHEN WE ARIVED THERE WE NOTICE THAT NO SKILLED WORK THAT WAS STATED FROM XXXX XXXX THAT WILL BE DONE WAS NOT DONE.. THE ONLY ONLY THING THAT WAS DONE WAS WAS REMOVING THE SMALL AMOUNTS OF DEBRIS FROM BUILDING WHICH I COULD HAVE DONE THIS MYSELF WITH MY BUSINESS PARTNER. WE WERE HIGHLY UPSET WITH THIS PERFORMANCE. WE HAVE BEEN EXTREMELY LIED TO. ABOUT EVERYTHING. I REQUESTED FOR XXXX TO SHOW ME RECEIPTS FOR ALL THE MATERIALS HE CLAIMED HE PURCHASED. FOR MY BUILDING AND HE COULD NOT PROVIDE THAT TO ME. ALSO XXXX SAID HE WAS LICENSE BUILDER AND WHEN I REQUEST FOR HIM TO PROVIDE ME HIS BUILDERS LICENSE HE SHOWED ME A FAKE BUILDERS LICENSE HE OR SOMEONE HE KNOWS MAY HAVE CREATED. NEXT THING HE DID ONCE I HAVE EXPOSED HIM ABOUT EVERYTHING HE HAS LIED ABOUT WAS STOP COMMUNICATING WITH ME AND MY BUSINESS PARTNER. HE STOP ANSWERING MY CALLS, TEXT MESSAGES AND EVERYTHING. XXXX XXXX WITH XXXX  XXXX  XXXX, XXXX HAS DEFRAUDED ME AND MY BUSINESS PARTNER XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: NY

Complaint narrative:
I checked my credit report and saw that XXXX reported a late payment on my report for XX/XX/2020, which was around the peak of the Covid-19 pandemic. I spoke to XXXX over the phone and they said once it is paid then the account would be updated. I contacted Experian through the online portal and also over the phone to get an update. My " late payment " should be updated to On time because it was paid. With the Covid forbearance act, this account should be updated to On time, and no late payment.

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 2021-10-26 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: TN

Complaint narrative:
1 year ago ( XXXX ), I Purchased furniture with the Synchrony line of credit which came with a promotional 1 year interest free. Never once was I informed of anything different. In fact the sales person told me not to rush to pay it off because it would better my credit. I have had to call them many time to rectify my bill to make sure I stayed current and never been told anything about the promotion being different terms besides interest Free for the first year. So on XXXX I received a bill that had gone up {$390.00} for a charge of interest that was for the 1st year. I dont have a problem with paying my debt or my interest that I would accumulate from the point after the promotion ends. I understand that if you offer interest free for a period of time that period should have no interest and that any new interest encounter on the balance should happen retroactive from that day forward. I dont understand how Synchrony can add the same interest that was granted free with a promotion back as if the promotion never existed. This means the interest was never free. If I knew that this was the case I would have made sure this was paid off. I have dealt with other companies like this ( progressive leasing ) and I have always made sure the I paid in full before the additional teams would be added after 90days. I also want to add that I have never used the card not even when I had available credit. I just dont see how a person who doesnt use a card go from XXXX {$790.00} balance to {$1100.00} XXXX with no usage. I have attached the XXXX prove and also my XXXX amount which still shows good standing because I pay my bills. Thank you for your time.

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 2021-10-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021, I sent letters regarding unknown and inaccurate items listed on my credit report. More than 90 days have past without a response of any kind and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 91 days since my last request and no response. These items should be promptly deleted from my credit report. My information had been involved in the Equifax data breech and is most likely in the hands of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I, XXXX XXXX, credit application was denied by American Express on XX/XX/2021 due to negative markings on my credit report.

Under 15 U.S. Code CHAPTER 41, SUBCHAPTER IV : EQUAL CREDIT OPPORTUNITY ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction.

Under 15 U.S. Code 1691a - Definitions ; rules of construction ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit.

( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association.

Company response to consumer: Closed with explanation