vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 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 is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I am attempting to apply for local credit unions in my area and they stated that there was a security freeze on my Chexystems profile. I contacted Chexystems and they stated that there was no freeze. However all of the credit unions have stated there is one and what they say comes up is THIRD-PARTY SECURITY FRZ ALERT on the chex systems report. Chex systems states there is no indication of this. This is stopping me from moving on with my life. Legal litigation will be pursued as they are in violation of the fair credit reporting act. I expect them to do their research and remove this third party security freeze alert immediately from my chexysystem profile as that has nothing to do with my chexsystem profile. I will upload my identification as proof and also proof of my social as well as a letter from one of the credit unions stating what comes up when they pull my chexsystem. Please get to the bottom of this! I applied to XXXX and XXXX XXXX XXXX XXXX and they both are getting the same response from chexsystem. I can't move on with my life. Please Help 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 explanation
Consumer complaint received 2021-02-03 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items 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 non-monetary relief
Consumer complaint received 2021-02-03 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In XX/XX/XXXX I purchased 4 concert tickets for a concert in XX/XX/XXXX via the company XXXX using an American Express credit card for payment. As the pandemic arose the concerts were postponed for at least a year. The tickets that I had purchased were no longer available via XXXX 's online portal. I called XXXX to find out what had happened and was told at that time that they were only a conduit for a seller and a buyer meaning they could not step in. I then called American Express and disputed the charge in XXXX of XXXX explaining that I have not received goods or services. Between XX/XX/XXXX and XX/XX/XXXX I have called American express approximately 6 times to dispute the total charge of {$1800.00}. By XX/XX/XXXX American Express had sided with XXXX in the dispute and told me that I owed the balance in full. I have not paid the balance as I have explained several times to American Express that I am not in possession of the concerts tickets they want me to pay for. Since XXXX they have charged me full interest on the balance totaling {$160.00} as of XX/XX/XXXX and reported me to credit agencies lowering my credit score. Prior to this dispute I have always paid my American Express bill in a timely manner and was a longstanding customer. Due to lack of understanding and wanting me to pay for goods or services I have not received I have closed my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I don't understand JP Morgan Chase i have filled this complaint out before before i like some answers to my loan. My escrow shortage, when i got the paper it showed a shortage from XXXX, and XXXX each year i paid insurance and taxes out Escrow ever year is different and if the shortage you pay it. And it starts new year of Escrow. How did JP Morgan CHASE come up with the shortage Escrow Impound Shortage : Escrow Credit : {$230.00} $ - XXXX then go to Escrow Impound Shortage : Escrow Credit : {$750.00}? when i paid in {$2400.00} in XXXX. and like to no where the corporate advance Fee ; s was paid to and who and why they was never applied to my loan but to Corporate Fee 's. over XXXX dollars and monthly payment was XXXX. When i ask about my loan from XXXX loan modification they XX/XX/XXXX PRINCIPAL AND INTEREST ADJUSTMENT Principal {$17000.00} {$17000.00} that was from XXXX and at XXXX a month would not come that amount XXXX but they payments made in XXXX. The amount is wrong .Why did JP Morgan take loan out of XXXX that added my loan to XXXX just when they was selling my loan. I want refund of Fee ; s and proof why i never got letter stating they was using my payments for Fee ; s not my home. I don't won't excuses or run around like i have been getting. loan number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
I have not applied for or requested any assistance from this company. I have contacted them at least three different times not to send me fake plastic cards and loan information. They are still sending me information. 

The company is One Main Financial Phone number : XXXX Phone number : XXXX Branch Manager : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
My information was fraudulently used to apply for a loan. I called to have the application closed, and to be sure that my personal information was disposed of safely, and that my account was closed as fraud. they gave me the run around, and didnt have anyone that would help me, customer service wanted me to call the department, yet no one would help her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: TX

Complaint narrative:
On XXXX XXXX, I opened up a dispute with Experian Credit Services. Within a few hours they deleted the incorrect information but then lowered my credit score 18 points because of the investigation. Their reporting of the collection, even though incorrect and removed, thus affected my credit score adversely, jeopardizing my ability to secure a home loan. As a single mother, this affects not only myself, but my children. Nothing else changed on my credit report-no hard pulls on my credit, no cards opened, no delinquencies, and my score was not affected with the other two reporting agencies. This was solely an Experian response to a credit inquiry.

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 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I requested an incoming ACH transfer to my joint Ally account that I hold with my wife. I failed to realize that the account I was pulling from was only in my wife 's name. Because I was logged in under my name, Ally rejected the transfer. They told me they would return the funds to the account we pulled from but as of this date they have failed to do so.

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 2021-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have been able to resolve my 2 CD issues however they still are with holding 2 Ira that I was the benificary on. The account have already been change to me but they are saying he is still the owner. 
I have been working with XXXX XXXX XXXX to get the funds transferred there but they are getting no response as am 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 non-monetary relief
Consumer complaint received 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Detailed explanation on denial when I receive no denial letter whatsoever and only minimum information was requested to be provided my drivers license was not asked for nor previous addresses nor can you resubmit a application with your previous provided information at a later time if specific reasons are not provided for why inaction took place in regards to a consumer account a consumer would be unable to understand what the issue is in one either fixing and removing the issue at hand effectively being unable to clear it up with consumer bureaus or the information may be completely inaccurate and associated to the wrong file and the consumer would never know what the issue is. The reason could even be a unable to identify file based on the address since they do not ask previous address. Regardless I feel that this institution picks and choices who it allows to become members and that I also feel that could be discriminatory in nature you can not provide a generic denial or generic security issue message and not follow up with additional information that doesnt follow the standard practices of consumer law. More especially I feel when your income is able to be verified by banking consumer agency softwares such as plaid where you can type in your financial institution credentials and they can see your current activity in the bank to see that your income matches what was provided and to see you have little to no security risk. 

Dates event occurred as I contacted chime on numerous occasions by social media and email either getting a generic response or no follow up whatsoever XX/XX/2020, XX/XX/2020, XX/XX/2020 I feel I am being discriminated against as Im not being allowed to know why exactly this account is not being granted nor am I able to provide proof to overturn whatever theyre system is saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
Recently received an alert on my credit report showing this balance as current as of XX/XX/2021 ; Please send original dates of when the account was opened ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Took daughter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Texas. 

Received bill from XXXX and paid bill. 

Received surprise bill from XXXX XXXX XXXX XXXX. Explained to them that XXXX was paid directly and under Texas law they would have to settle any additional bill through XXXX. 

" Bill '' was sent to XXXX XXXX XXXX XXXX in XXXX, XXXX Have never heard of this business, nor was I informed that anything was referred to them. 

Then XXXX XXXX XXXX sends fictitious bill to Phoenix Financial Services. 

I disputed the results of them placing a collections on my credit report. The disputed item was deleted. 

I consider continued efforts to collect on this item when it has been paid to the ORIGINAL creditor, which is XXXX XXXX XXXX XXXX and when the item has been previously deleted from my credit report to be a form of harassment. 

This item needs to be removed once and for all from my credit report and these accounts need to be closed. I want letters stating that this item has been resolved and these accounts have been closed. 

Under Texas Senate Bill 1037, consumer credit reporting agencies are now prohibited from including medical debt collection accounts in consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I signed up for a 12 month interest free store credit card through XXXX XXXXXXXX XXXX on XX/XX/XXXX to purchase a pair of diamond earrings. I received the earrings however I'm getting charged a very high interest rate. Payments are made through Synchrony Bank. I spent over an hour on the phone XX/XX/XXXX with both XXXX XXXX and Synchrony and neither resolved the issue. Synchrony said they'd open a ticket to notify XXXX XXXX to update my account with the interest free promotion. 

XX/XX/XXXX I get a call from stating that XXXX XXXX is denying that I even have an account with them and not honoring the interest rate!!! How do I not have an account when I have the card right in front of me?! I have my receipt of the earrings as well even stating my promotional interest rate!!

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 2021-02-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I layed off for covid, I tried to deal with them. Skip payment or divide payment. 
But they denied my request and they reported to my credit.

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 2021-02-03 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
The checking account that I use to pay this credit card was compromised twice, where money was fraudulently stolen from my account. On each of these occasions I had to close the checking accounts. Payments from these accounts did not reach XXXX XXXX XXXX because of this. I have explained to them over the phone and in writing what happened. They refused to remove the late payments, that were out of my control, from my credit report. I am asking for help in getting this resolved.

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 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My mortgage loan was paid off XX/XX/2020. I got an escrow refund of XXXX but I am still owed XXXX. The account shows a payment to insurance of XXXX XX/XX/2020. This payment was never received by insurance and the insurance was not needed as property was sold and account paid off before the insurance start date. The insurance was also cancelled by agent. I enquired with CIT bank customer service and they indicated that they would put a trace on check and refund. I have not received any refund. Your customer service line now only has an automated option and I am not able to get through to an agent. There is basically no response from CIT back after leaving numerous messages on automated line

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed several accounts for big inaccuracies and only one account was removed for only one bureau while there are more inaccurate accounts, besides, investigation is taking so long and the bureaus haven't sent any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: WV

Complaint narrative:
We started the refinance process on XX/XX/XXXX with our current mortgage company, NewRez, LLC. We completed all necessary documents by XX/XX/XXXX. We submitted all documents requested in an extremely timely manner. We paid {$750.00} for an appraisal that was completed in XXXX with report sent to New Rez on XX/XX/XXXX. Since that time it has been one email after the other about why the closing is delayed. This has been 4 months and the closing was scheduled for tomorrow and they just canceled it again, no reason given. I have wasted months on this. Please look into this very unethical business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i have an unemployment card that i haven't used since back in XX/XX/2020. I had an available balance of {$600.00} at that time. I recently noticed a charge on my account that i did not authorized on XX/XX/2020 for {$220.00} for a XXXX  purchase at XXXX, and a two other transactions for XXXX  at a XXXX XXXX for {$100.00}.

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 2021-02-03 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I used my payroll card issued by wisely to purchase a XXXX present from XXXX and they disputed the charge without my permission, closing my card on XX/XX/XXXX. The dispute was settled with XXXX on XX/XX/XXXX with XXXX losing and XXXX  removing the money from XXXX  account. According to wisely there was no dispute and no refund was processed by XXXX so there is no money that is supposed to go back to my account. XXXX is not understanding that XXXX has already lost the funds by losing the dispute and will not process an additional refund because that means they would lose out on the funds twice. XXXX  is not understanding or helping this situation even after a conference call between us so XXXX suggested this route to help us all get our money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX. I notified this credit bureau that I am a victim of id theft. I sent them my supporting documentation over 30 days ago and still have not received a response. This information on my report does not belong to me and needs immediate attention. this is in violation of the fair credit reporting act

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 2021-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have been on forbearance ( due to the death of the co-owner of our home and then XXXX. After paying my mortgage without my brother I paid my mortgage for almost a year on time and sometimes in advance. In pre-planning for the future missing that VA income from my brother. I applied for a loan modification, and even forbearance, with absolutely no reason, was denied so many times until I received the assistance from CFPB. I am ready to get back to business with lower payments and I am still having trouble with this lender as follows : Applied for loan reconstruction, denied for lack of documentation in a timely manner and did not even know it, upon another follow-up call found that out prior to that nothing in writing. Then after the fact, I received letter of denial. In the interim, every single time additional documents were requested I sent immediately, I know the drill on time is of the essence and I have a paper trail of every documentation that I sent. 

I then moved forward and resubmitted the entire package again with 51 attachments. Today XXXX XX/XX/2021 XXXX, the date of this complaint, I called, to follow-up and found out, they need more documentation, that I again had sent, now 4 times. Its not my credit because the only thing that is effecting my credit is the lender. 

What now? 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
I entered into a consumer credit transaction with only Prosper Marketplace Inc. in 2016. They have violated countless federal laws by collecting, attempting to collect an alleged debt and illegally sharing transaction details of a federally protected consumer with several other uninvolved parties and without my prior written consent. I have begun my private administrative process and attached below is my first Affidavit of Truth, Cease & Desist letter, Exhibits and Invoice for all there willful and negligent violations of federal law.

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