vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: ME

Complaint narrative:
XXXX, the former holder of the mortgage on my home, sold the mortgage to another company effective XXXX, 2019. However, I continued to make payments to XXXX for two months after the transfer was finalized. The payments made to XXXX were in XXXX and XXXX 2019. When I realized the problem in XXXX 2019 I immediately notified my new mortgage company, Loan Care LLC ( also referred to as XXXX ), of the error. LoanCare LLC stated that they had not received any payments from XXXX and demanded that I bring the account current paying the overdue amounts in full. Since I had already made both payments to XXXX, I could not afford to pay the full amount allegedly due ( XXXX and XXXX payments ). Instead, I paid one month to Loan Care and attempted to get XXXX to reimburse me. Eventually, I was successful in getting XXXX to reimburse me for the XXXX payments and was able to pay the second month payment to LoanCare LLC. By then, however, the payment was over 30 days past due. In XXXX, Loan Care reported my mortgage to the credit bureaus as 30 days past due. 

Your website states that " for 60 days from the date your loan servicing transfers, your new servicer can not charge you a late fee or treat the payment as late if you sent it to your previous servicer on time or within the applicable grace period. '' Loan Care inappropriately reported my XXXX payment as 30 days late despite understanding that I had mistakenly paid XXXX two mortgage payments. The reporting of a late payment is a violation of the rule explained above. Please help me resolve this issue with Loan Care. If I can not get the issue resolved I will have to take it up with my XXXX XXXX XXXX. 

Please note that Loan Care LLC is located in XXXX XXXX, Virginia. My mortgage statement says that LoanCare LLC is subservicing my loan on behalf of XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX has the right to service my loan. 

Customer Service inquiries should be made to following address : Loan Care Attn. Customer Service XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX I

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 2019-12-06 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2019-12-06 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2019-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2019-12-06 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
The first name listed, ( XXXX XXXX ) is not me, or never has been me at any point in time. The only name I have ever had is XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. If you need to contact me you can please reach me at ( XXXX ) XXXX or at XXXX Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: NC

Complaint narrative:
Equifax and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on the XXXX  XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  and Transunion are reporting incorrectly an account where I am shown as an Authorized User on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2019-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On or about XX/XX/XXXX I filed a request to have several accounts deleted through the CFPB dispute system, refer to attached previous CFPB forms. 

I had also sent to all three credit bureaus via mail these same accounts to be disputed as well to XXXX, TransUnion, and XXXX  with no " investigative results report ''. TransUnion replied with a standard credit report, which was not requested, but an " investigative results report '' is what I should have received. Read the Trans Union cover sheet dated XX/XX/XXXX and the initial paragraph narration, its just a printed credit report. Refer to attached TransUnion cover sheet. 

Also, there are multiple addressses on my file that are not mine. I have disputed these addressess with XXXX, XXXX  and TransUnion with no results or cooperation.

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 2019-12-06 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: GA

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number ****XXXX  and ****XXXX. (  Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Mortgage Electronic Registration Systems ( MERS ), Bank of America ( BOA ), and XXXX  ( Servicer ) have executed fraudulent assignment. 

2. XXXX XXXX XXXX assigned its interest to BOA on XX/XX/XXXX 3. BOA assumed the assignment XXXX ( Loan was paid thru XXXX, XXXX closed XXXX, BOA & XXXX have no history of payments etc. 

4. ( Fraud ) MERS reassigned BOA thru erecording on XX/XX/XXXX ( no book #, no page #, and original mortgage payments never applied to a reduced amount. ) 5. These companies have " no standing '' to enforce a lien on my property XXXX XXXX XXXX, XXXX, PA XXXX. 

6. PA statue of limitations due apply, if this assignment have any merit. 

MERS and Bank of America continue to deny me information referencing these outdated liens/ assignments that are not present on my property deed nor 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 2019-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number ****XXXX  and ****XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2019-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number ****XXXX  and ****XXXX. (  Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2019-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
This is the second time I've had to file a CFPB complaint against AMEX. 

It appears they are not going to payout the 130,000 bonus points and free night associated with the sign up on my account. 

They currently have 3 XXXX AMEX cards out there right now. I have attached a picture from their XXXX advertising. They basically advertise them as a bundle. 

I have also attached a letter sent to me from AMEX stating their customer service was incorrect to tell me I wasn't eligible for the bonus points on the first XXXX card. Those points were awarded. However, now it appears they are holding up the bonus points on the XXXX card. I have attached the statement showing I was awarded the points based on the minimum spend. I have also attached screenshots from customer service. They basically tell me I'll get the points, but I just have to be patient. Then a few weeks later, they tell me to wait a few more days. Basically, they want me to keep spending on the card, but offer no real timeframe, aside from " just keep waiting and we'll let you know ''. This whole process is very deceiving. AMEX has written language into their CC applications that give them the option to not pay out bonus points for ANY REASON. It is extremely vague and very consumer unfriendly. These cards are marketed all over the internet. All over the XXXX app. It's a very aggressive campaign. Then they just decide not to pay out points. 

AMEX has a system in place to stop your credit card application from going through if you have defaulted on them in the past. They don't even run your credit. It's an automatic denial. I bring this up because they have the ability to do this for bonus points too. I know in some cases, I've seen reporting where a pop up comes up during the application process telling the applicant, they can apply for the card, but will not be eligible for the bonus. This should be universal. If AMEX does not have that pop up come up, and they run the applicant 's credit and that applicant satisfies the minimum spend, the offer should be paid out. 

I have applied for all 3 XXXX cards. The pop up didn't come up on any during the application process. 
I have been misled by customer service via the chat, or at worse, lied to. 

This year, I have spent over {$32000.00} on AMEX charges. How much more do they want me to spend with them?! By the end of the year, it will be close to {$40000.00}. 

They will have gotten merchant fees off {$40000.00} in charges, but not satisfied their end of the deal. How fair is that?! 

If AMEX doesn't want to award points, they need to be upfront about it and give the applicant that info BEFORE credit is run and the card is issued. Vague fine print is not something a multi billion dollar corporation should be able to hide behind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
For the months of XXXX, XXXX and probably XX/XX/2019 the Mortgage companies blocked my ability to pay online using my bank or thru XXXX XXXX XXXX XXXX my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was one of the customers affected by the Equifax data breach in XXXX. Equifax provided me with a a free credit monitoring service up to XXXX. I recently attempted and was able to register through myequifax.com website ( to be able to continue to monitor my credit file ). However, I wasn't able to log in to the website due to some error message. Over a period of one month, I called Equifax 3 times for a total of more than 3 hours and they were still not able to resolve the issue and let me access the site to monitor and freeze/unfreeze my own credit file. As of today XX/XX/XXXX, I'm still not able to do so for a simple log-in issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have been disputing fraudulent charges on a Mattress Firm Credit Card/Synchrony Bank since XX/XX/XXXX. 
The card has not been in my possession since XX/XX/XXXX. The card was paid in full in XX/XX/XXXX 
Additionally, my name changed from " XXXX '' to " XXXX '' and the card charged was under " XXXX '', a name or signature I haven't used. 
Synchrony Bank sent me a new card in XX/XX/XXXXdue to the previous card expiring. I did not receive this card in the mail, nor was I notified that I was being sent a new card. 
In XXXX, I was sent a bill for nearly {$11000.00} in XXXX XXXX charges. I disputed these charges and the bank denied my dispute saying that " the telephone number used to activate the card was accurate ''. 
Additionally, in XXXX, XXXX XXXX  notified me that they had declined multiple charges at XXXX XXXX locations due to fraud, due to someone taking information from myXX/XX/XXXX account. 
I provided this information to Synchrony Bank, as well as information on my whereabouts when these charges happened, proof that I was at my office located over 1 hour and 1 state away from these XXXX XXXX locations, but was still denied. 
I continue to open the case back up, but keep being denied. Synchrony Bank was not able to release if there was a signature obtained during the transaction and if an ID was required when these purchases were made. 
Dates charges appeared on Synchrony Credit Card : XX/XX/XXXX : {$1000.00} in XXXX, Illinois. ( XXXX XXXX ) XX/XX/XXXX : {$2000.00} in XXXXXXXX XXXX XXXX, Illinois ( XXXX XXXX ) XX/XX/XXXX : {$5700.00} in XXXX, Wisconsin ( XXXX XXXX ). 
XXXX Credit Card charges - XXXX XXXX charge attempts DECLINED : XX/XX/XXXX : {$810.00} ( XXXX XXXX ) XX/XX/XXXX : {$370.00} ( XXXX XXXX ) I am in need of support as I feel I have provided every bit of proof that I can. XXXX XXXX  is willing to provide documentation on their end to show these were fraud charges and Synchrony Bank is still denying me.

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 2019-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I had 3 credit accounts opened using my social security number for a business account in XXXX. I contacted these companies and informed them I did not opened these accounts and they were removed from my credit file. 
In XXXX Chase informed me they were opened by a business in Florida, I never worked for or had any knowledge of. These accounts were never verified. I moved from XXXX  to XXXX  in XXXX. In XXXX Accounts from Chase, XXXX XXXX, and XXXX XXXX were removed from my credit file. They were opened without my knowledge. 
I have checked my credit scores monthly and my credit report yearly since that happened through there poor banking processes. My scores have been excellent since. Then I was informed my social security number was breached by XXXX. I received my scores with no change until XXXX. Chase reported a delinquent credit account in my file that was closed in XX/XX/XXXX. I had no knowledge on this account for over nine years. I have asked Chase to provide me with information of this account and they have failed to comply. Chase is negligent in opening this additional credit account XXXX with out my knowledge. They need to remove it from my file. Their poor banking processes has harmed my ability to show I can manage money. I was never contacted by Chase regarding this credit account, they need to promptly remove it from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TN

Complaint narrative:
I have not been able to pay my mortgage for 7 months. I closed my business XXXX XXXX, 2019 because I could no longer make ends meet. I am XXXX yrs.old and living on social security only right now. 
I wanted to put my house on the the market back in XXXX or XXXX, but XXXX XXXX and XXXX at Pinnacle Bank said I could not do that til I paid the payments I was behind on. I believed them, but found out in XXXX that that was false information. Now the house is due to go to auction XX/XX/ 2019. I would like time to sell my house and pay what I owe.

Company response to consumer: Closed with explanation