vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
I have been attempting to get a payoff quote for a HELOC for over a month from Umpqua. This is to complete my refinance. They are holding me hostage in my mortgage and preventing me from accessing my liquidity by holding up the refinance process. 

Each agent I speak to on the phone says they will emails it in 1-2 days. They never send it. They have all the correct contact info, I have no issues getting bills and statements from them. 

To make matters worse, I have never even used this HELOC. They will charge me {$500.00} in early termination fees that they do not disclose on their site and did not disclose during opening. I dont even want to fight them on that. I just want to close the loan and move on.

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 2020-06-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
Opened a CD with Synchrony Bank online. 
They will not allow the CD to expire and be paid at maturity without CALLING IN ON THE PHONE. 
They permit changing the term anywhere from 3 months to 5 years at renewal, but no option to just pay out the funds or transfer to the Synchrony savings account.

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 2020-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I filled out an online application through Bank of America for a Home Equity Line of Credit. At no point in the process does it stipulate that they have changed their policy. Their new policy requires Bank of America to be the first lien holder in order to apply for a Home Equity Line of Credit. 

I went through the entire application and BoA made a hard pull against my credit for no reason. If they had listed that information anywhere on their site, I obviously wouldn't have completed the application and had them do a hard pull against my credit. 

No feedback was given aside from information stating the application was denied. I had to call into their support line to talk to someone who explained the reason the application was denied.

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 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
To Whom It May Concern, I need assistance from your agency in order to help me with Chexsystems and the reporting that they do. I have been disputing a lot of inquiries, addresses and phone numbers. These issues need to be resolved correctly with their removal and they shouldn't continue to reappear. These items that I have listed needs to be removed : XXXX XXXX XXXX XXXX, NJ XXXX - is not my correct address -Remove ( XXXX ) XXXX is not my phone number XXXXremove ( XXXX ) XXXX is not my phone number - remove ( XXXX ) XXXX is not my phone number - remove ( XXXX ) XXXX is not my phone number - remove ( XXXX ) XXXX is not my phone number - remove Inquiries - Disputing as I did not give the financial institutions permission to pull my report : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  -5/15/2020 Thank you

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 2020-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was denied of getting a credit line increase few times due to too many inquiries and high balances on my credit card account and I contacted capital one to see if they can do a hard inquiry on my credit report which they refused and I had this account open in three months with good payment history and no past due and my credit rating with XXXX  is good as of XXXX XXXX and when I did a credit limit increase capital one did a soft inquiry instead and used a XXXX XXXX credit report and I was denied but all the inquires were removed off my credit report last week of XX/XX/2020 and I was so upset that the supervisor wasted my time and didnt provided me contact information so I can email the corporate office to show them my credit report my updated one ... where I dont have any inquires on it and Im still stuck with {$300.00} credit limit for months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: AZ

Complaint narrative:
These are not my accounts, nor are the addresses and names on file.

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 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian has several inaccuracies on their credit report, and has no method of correction. When you select to dispute online, you receive the message copied below. When you dial the phone number, there are no options to address the dispute and you are unable to speak with anyone. 

Inaccurate information includes : invalid name, invalid address, invalid phone number The invalid address is associated with a collection account to which I have no association. 

Notice received when attempting to dispute information : This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX.

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 2020-06-06 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: AZ

Complaint narrative:
These are not my accounts, nor are the addresses and names on file.

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 2020-06-06 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: AZ

Complaint narrative:
These are not my accounts, nor are the addresses and names on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Choice Recovery, Inc.
State: NE

Complaint narrative:
PCR kept calling me in regards to {$470.00} I owe to Nebraska XXXX University. I had finally answered one of the calls and told them to stop contacting me, as this was around the time the coronavirus pandemic began and I was losing hours at work. I also read that via the CARES Act, debt collectors for student loans are not supposed to contact you. Then they start calling my work and asking if Im there, and then hang up on whoever answers the phone. How very professional. They sent me a letter on XX/XX/XXXX and added on {$210.00} from XXXX  ... never been informed of this debt and so Im going to dispute it. They had the audacity in the letter to write we know you are employed, so you should be able to handle this situation. Extremely rude and insensitive. Everyone is struggling right now during the pandemic and I have bills that take priority over some fishy debt collector business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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:
XXXX XXXX XXXX XXXX THIS COMPANY IS REPORTING A 30 DAY LATE FOR XX/XX/2018. THIS COMPANY CAN NOT VERIFY THE ITEM. ITEM IS UNVERFIELD ITEM. IN VIOLATION OF 609.

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 2020-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Trans Union has been a problem for awhile. They never have the correct information. They never update. Now when every other bureau have my score at a XXXX. These idiots lower it by 47 points to a XXXX. They are messing with peoples lives and they really don't care what they do. Something has to be done about them. They reported my score going from a XXXX to a XXXX which is not right. Someone needs to shut them down!

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 2020-06-06 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: IN

Complaint narrative:
I was attemptiing to change phone services from XXXX to XXXX. I went to a family friends daughter, a college student working for XXXX. When we were in the process of converting services thare was a credit block from equifax. I attempted to get it resolved on line and on phone with someone that was difficult to understand based on her language barrier that worked for equifax. I can not access my account or anyone at equifax that appears to know what they are doing. 
please direct me to someone that can get equifax out of my life and stop wasting my time. 
Thank you for your assistance in this matter. 
Sincerely yours XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: TX

Complaint narrative:
My credit report States I was late for my XXXX XXXX credit cards are incorrect. One account is paid in full and closed in XX/XX/2020 but shows late and the other was closed and is currently t and never late. 
* XXXX XXXX credit card ( last late XX/XX/2020 ) ; acct # XXXX * XXXX XXXX credit card ( last late XX/XX/2020 ) ; acct # XXXX I was never late they provided me with a deferment and it was approved and I have proof and it still shows late after various disputes by all 3 credit agencies Remove the late payments from all 3 credit bureaus since this is incorrect and Ive never been late.

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 2020-06-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Someone had possession of my card without my permission and used it to make purchases until it reached it's card limit. I did not receive an alert from Capital One regarding the charges. So as soon as I found out on my own I called them immediately. This was two months ago ... They credited my account, but then just rebilled me yesterday for all the fraudulent transactions that had taken place. I am infuriated. What would possess them to do this?? The only thing would be if I made the purchases but I did not. And I refuse to pay for these charges ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WSFS FINANCIAL CORPORATION
State: DE

Complaint narrative:
I settled my account with Wilmington Savings Fund Society ( WSFS ) in XXXX, Delaware through their third-party debt collector, XXXX XXXX XXXX, on XX/XX/2020. Despite repeated calls to the Collections department at WSFS, they refuse to update my XXXX  and XXXX  credit bureaus to reflect that the account has been settled. Interestingly, they have reported this correctly to XXXX. It appears that they are submitting under two separate subscriber ID 's. I am attaching supporting documentation showing proof of settlement along with the two different subscriber ID trade-ins in which they are reporting.

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 2020-06-06 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:
XXXX XXXX XXXX XXXX -- 30 DAY LATE FOR XX/XX/2018. THIS COMPANY FAILED TO VALIDATE THE DEBT. UNVERIFABLE ITEM.

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 2020-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BMO Harris notified me on XX/XX/XXXX that they were freezing my Diners Club card because fraudulent activity was attempted. It is a PIN card and the other party apparently made multiple unsuccessful attempts ( my card is in my possession and I do not have the PIN written anywhere. ) Problem is, this is the fourth time in about a year my card has been frozen ( they have not been successful in making a fraudulent charge. ) As this card is linked to most of my online buying and recurring monthly fees, it takes me more than a day to change all of my accounts and passwords so this is a big hassle. I feel BMO Harris isn't trying to protect my interests -- they're trying to make their job easier. Do I have any recourse to keep them from continually shutting down and forcing me to get a reissued card other than moving to a new credit card issuer?

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 2020-06-06 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: Account Services Collections, Inc
State: TX

Complaint narrative:
Account Services entered into a contract with me agreeing to delete negative tradelines from all credit reports upon paying a past due balance of {$52.00}. I made the payment on XX/XX/2020. I received a letter via email on XX/XX/2020, confirming a deletion request was made to the credit bureaus. 

After 8 weeks, the negative tradeline had not been removed from my credit reports as promised. The negative tradelines still appear on my XXXX  and XXXX  reports until this day. 

The letter from Account Services states it would be removed between 4-6 weeks. It has now been more like 8 weeks. I have contacted both bureaus and have been informed that they only received an update to {$0.00} the balance, not delete the tradeline.

I have attempted to contact the Account Services via email to have this issue resolved and they have been unresponsive.

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 2020-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
I was making a purchase using PayPal and the misleading process led me down a rabbit hole that ended up creating a credit card with PayPal SYNC/PPC. This was completely unintentional. The credit card was opened on XX/XX/XXXX. On the same day, before making any purchases on this credit card, I immediately cancelled it with a PayPal representative on the phone who told me that it wouldn't impact my credit score in any way. My score dropped 49 points on XX/XX/XXXX once the closed account posted on my credit report. I've tried to reach out to PayPal directly with no success.

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 2020-06-06 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I XXXX XXXX have contacted the company through an email Portal for fraud in XX/XX/2020 because the numerous times I tried to contact them by phone which is their policy, they had such high call volume due to covid19 their call center did not allow any customer calls. In conclusion it took them literally one day to so called review my claim of over {$1300.00} to only close my account and only send my balance of {$250.00}. Please help. My card was fraudulently used and I need those fraud transactions refunded. I agree with the closure of my account American express serve is a bad company and not enough security barriers for clients funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have a credit card with Bank America, and discovered at the end of 2019 that for every one payment I scheduled to have taken out of my checking account automatically, TWO were being taken out. This had been happening for many months, unnoticed by me unfortunately, causing checking account overdraft fees some months. I called Bank of America, and they could not understand why two payments were coming out. They said they would do what they could on their end to stop the double payments. Well the next month, I saw 2 identical payments to Bank of America were coming out again. I called them back and they again said they would stop. It continued again the next month. I went to my bank for help ( XXXX ) to stop the double payments from coming out. I asked XXXX to only allow Bank of America to take out ONE auto payment a month. XXXX then stopped all auto payments to Bank of America, so I told Bank of America I would only be writing/mailing them checks since neither bank can get this right ; NO more auto payments. You would think that would have solved the problem, but it has not! Bank of America is cashing my checks I mail on time, yet I receive notices from them and phone calls from them saying I am behind and not making payments! They are also charging fees to the credit card account, and worst of all they are hurting my credit! I am so irritated and furious, and feel helpless. I email Bank of America, I call, and they just blow me off. I am a person who pays bills on time, and has worked hard to get my credit to a good score over the years, enjoying the low 700 range. Now since this Bank of America fiasco it is a low 600! I of course have all of the proof I need to show that I am making payments even though my statements from Bank of America say I am not, and they continue to assess late and no payment fees.

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 2020-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX  has sold my acct to multiple collections companies and they are all trying to collect different amounts. I've already paid my balance. On XX/XX/XXXX XXXX  reported to XXXX XXXX XXXX for {$520.00}. I paid this amount even though I believe it was an error and I think the cable company charged me for equipment i returned. I paid {$520.00} on XX/XX/XXXX, ref # XXXX. I can attached bank statement. This was under my legal name of XXXX XXXX. Then on XX/XX/XXXX the CPA billed me for {$420.00} under the name XXXX XXXX for a XXXX  acct. It's not possible to have two cable accts for the same address i disputed it. Now another collection called IC System is billing me for the {$420.00} again. XXXX XXXX XXXX also reported the {$420.00} on XX/XX/XXXX and I believe I also paid this acct in error since i was in the process of buying a home.

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