vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
i have submitted challeges of account on my credit report to XXXX, XXXX  and equifax ... .all 3 say that this account is verified as reporting 100 % accurately ... .how is this possible? i have tried to challenge this account with the " original creditor '' ( XXXX XXXX ) each time they are being returned by the XXXX stating that the address for XXXX is unknow ... .I am mailing this to the address that is provided to me on my credit report for this creditor from the 3 credit bureaus..attached is proof ... how are they conducting proper investigations and coming back as verified if the 3 bureaus are providing an inaccurate address for this " creditor '' ... this is a violation delete this account now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i have submitted challeges of account on my credit report to XXXX, experian and XXXX ... .all 3 say that this account is verified as reporting 100 % accurately ... .how is this possible? i have tried to challenge this account with the " original creditor '' ( XXXX XXXX ) each time they are being returned by the XXXX stating that the address for XXXX is unknow ... .I am mailing this to the address that is provided to me on my credit report for this creditor from the 3 credit bureaus..attached is proof ... how are they conducting proper investigations and coming back as verified if the 3 bureaus are providing an inaccurate address for this " creditor '' ... this is a violation delete this account now

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 2021-04-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
hello, I have been disputing this debt " chargeoff '' for over a year plus. This account has many " inaccuracies '' first I disputed the verification using section 609 of the fcra verification process asked for the company " to furnish a physical signature '' that legally tied me to the debt ''. I did not receive any documents, proof of signature, etc. The disputed items came back " verified '' with no proof. second round I disputed the same asking for more info about the investigation, same response as before. In the third round, was online I disputed the inaccuracies with documentation showing the inaccuracies first the " date of last activity '' was different in each bureau meaning the account was re-aged, which is a fcra violation. ON XXXX and XXXX " came back as updated but nothing has changed '' XXXX was the only bureau that did an actual investigation and deleted the account due to inaccurate reporting. On the fourth round, I sent a dispute asking the bureau why nothing has changed and also that " the account is reporting monthly activity after the account has been closed '' showing charged off continuously, which is another violation. Once again the item came back as verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express sent us a notice that their revised Penalty APR is now 29.99 % and " If the penalty APR is applied, it will apply for at least 6 months. '' 1 ) You should be leading the effort to cap interest rates credit card companies can charge.

2 ) We're still in a pandemic with millions of people suffering financial hardship.

Please work to fix this. Do not ask me to contact American Express. There is nothing for me to talk to them about. Just fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I sold an item on XXXX for a total of {$870.00} after fees. That amount was transferred to paypal, which they are not allowing to be withdrawn. I've withdrawn two other sale transactions this month, and used paypal for shipping labels and fee payments with no issues. 

On XXXX, I contacted paypal in an attempt to resolve this issue. I was told that now, not prior to this transaction, that i need to provide additional information to withdraw these funds. They asked for supplier information, this is not applicable. They also asked for what items I was selling ; they have complete invoices for each item which includes description, pictures, shipping information and sales. 

After a few minutes on the phone it was very clear they were unwilling to help at all, stating that the funds will not be released.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
In XXXX of 2021 my XXXX home mortgage was purchased by RoundPoint Mortgage. I am now dealing with a lender that I did not choose. It is apparently RoundPoint 's normal procedure to issue loan statements on the 2nd of the month. Therefore, any payments logged in after the 2nd of the month will not be reported in the statement. Since the statements do not consider the current month payment they then report the payment distribution ( principal, interest & impound payments ) for the previous month. Also, since the current month payment is not considered the principal balance is not correct and the amount due for the next month payment is for 2 months or double the regular payment. Even though the statement is correct as of the 2nd of the month it is incorrect for the up coming month payment. 

I have tried twice, once in early XXXX and once on XX/XX/XXXX, to get RoundPoint to issue my loan statements during the third week of the month 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 2021-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX campus is closed and has been closed since 2019 I believe. I was making monthly payments to pay towards a A loan and a B loan, the agency that was handling their accounts ( ECSI ) stated that they would no longer be accepting payments due to XXXX XXXX closing! Forbearance could not be processed because the school was closed! ECSI, has now began to report negatively to my credit when I have disputed the balances they come back as reported correct when there is no way it can be verified because XXXX XXXX XXXX  XXXX is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AZ

Complaint narrative:
{$880.00} for a credit card from XXXX XXXX  XXXX has been turned over for collection to a Jefferson Capital System. According to my credit report, the account was opened on XX/XX/20. I have NO idea where this card was opened up or by who or where the charges occurred at. I don't know how to get this off of my credit as it's NOT me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanUnited.com, LLC
State: FL

Complaint narrative:
I was over charge for the refinancing of my mortgage home if youre not at home mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
The debt was paid in full agreed to for the settled amount and the balance is still showing owed on my credit report. I just want the information correctly updated to paid as settled with a XXXX balance reporting. This is hindering my process

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: FL

Complaint narrative:
I recently went through a divorce and I recently pulled my credit report through a website called XXXX. I saw a handful of accounts on my credit report without my knowledge. I am a victim of XXXX XXXX. I contacted XXXX, equifax and XXXX regarding these accounts and I was told to get an FTC report. I have also called these companies where the fraud happen and they could not verify my information. I have attached the FTC report below along with my driver 's license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: FL

Complaint narrative:
This account is not mine and its a big mistake. I want to get rid of this mistake in reporting. Someone, I believe used my personal information and created this fake account. I disagree with it and have all the rights to get rid of it. Pease help me and remove it from my [ rofile.

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 2021-04-20 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: MD

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with XXXX plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
On XX/XX/2020 a payment in the amount fo {$890.00} for my mortgage was sent to United Wholesale Mortgage through XXXX XXXX XXXX XXXX but did not reach this company due to being sent to the wrong P.O. Box number. According to the endorsement on the back of the check a company, XXXX XXXX, with XXXX XXXX, cashed/forged the check. I have reached out to XXXX Mortgage Wholesale Mortgage, XXXX XXXXXXXX XXXX and XXXXXXXX XXXX  to resolve this issue. I have been asked by XXXX XXXX to obtain a notarized Affidavit of Forged Endorsement from United Wholesale Mortgage stating that they did not receive the funds. I have been in touch with XXXX numerous times and they repeatedly say they will send it to the research department. But to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
A previous complaint was filed against this company concerning an unsigned sales contract. Their response to the first complaint was sending a copy of a XXXX XXXX XXXX XXXX Process. This form is bogus. It has fake signatures that don't remotely resemble our signatures. A complaint was also filed with the Texas Attorney General last year and the Texas XXXX XXXX XXXXXXXX XXXX this year. The attorney generals complaint produced an electronic reproduction of a sales contract with electronically filled in signatures and initials. I spoke with a woman XXXX XXXX XXXX last month regarding this account. She wanted me to send copies of our signatures to XXXX XXXX for verification but they are not to be trusted. I feel like they will try to make other fake documents with our real signatures.

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 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase.com allowed me to set up an online payment. 

It allowed me to enter a savings account at my credit union. 

Around XX/XX/2021 I did a sample payment of {$2.00} to see if it worked. I was given a tentative credit for the {$2.00} payment. 

The {$2.00} never cleared my credit union. I paid my balance another way and added {$2.00} more to cover the sample charge that failed. On XX/XX/2021 Chase logged it as a returned payment. 

On XX/XX/2021 Chase Sapphire, then charged me {$28.00} as a failed payment fee. They say it will be removed, but if it is not, Chase will charge me late fees for not paying the {$28.00} balance by XX/XX/XXXX. 

I have XXXX issues : XXXX. The online payment system should arrange a test so I don't have to test. 
XXXX. The failed payment fee is an automatic charge that is probably imposed unfairly in many instances. It is also onerous in my case, a {$2.00} test payment had a {$28.00} fee imposed. 
XXXX. The automatic charge system then compounds the problems with late payment fees if the unfair charge is not paid by the monthly due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-20 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: TX

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I contacted my lender representative SLS ( Specialized Loan Servicing ) in XX/XX/2021 and explained I was experiencing a loss of income due to Covid-19. I asked to be placed into the Covid related forebearance program. SLS complied with my request and stated I was not required to make monthly mortgage payments for the months XXXX, XXXX, and XX/XX/2021. SLS further stated the missing mortgage payments for those XXXX  months would not be considered delinquent or reported to consumer credit agencies as delinquent. 

On XX/XX/2021 I received a letter from SLS stating my mortgage was now considered delinquent despite me being in the Covid related mortgage forebearance program. I am concerned SLS is reporting my mortgage as delinquent to my lender despite my approval for mortgage forebearance. I am concerned SLS is reporting this erroneous delinquency to a credit reporting agency in violation of the program. I am concerned if because of future covid related loss of income I need the forebearance program extended beyond XX/XX/2021 SLS will deny my request based on this purported payment delinquency. 

Additonally, in a prior CFPB complaint I asked SLS to disclose who my actual lender was. Their official response was that my current lender is XXXX XXXX. However, I have been unable to confirm this through the XXXX XXXX website which denies they are my lender.

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 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
We applied for a mortgage to purchase a condo at XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX with Wells Fargo. We were promised a discount based on our assets under management, from the original rate of XXXX to XXXX throughout the entire process, however just as we were about to close, they rescinded the discount, a clear case of Bait and Switch. 

XX/XX/XXXX : Email offering us the rate of XXXX multiple phone conversations confirming this rate XX/XX/XXXX : another email confirming this rate XX/XX/XXXX : another email assuring us it is a " no brainer '' that we will qualify for the discount. 
XX/XX/XXXX : XXXX XXXX before closing they said they'd made a mistake and we would not get this rate. This resulted in additional costs of the loan of {$52000.00}, but due to the timing our hands were forced. We asked for a management review and after the fact they said that they declined our request.

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 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
The information shown on my credit report is wrong and should be updated ; this is Bank of America. Our agreement letter is attached for clarity.

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 2021-04-20 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I've had a Synchrony Bank Master Card ( applied originally thru Stein Mart ) for many years and have always paid on time and typically paid the balance in full. I recently tried on several occasions to use the card and was told the charge was declined so I called the XXXX customer service number and was told a few weeks ago that there was no problem and to have the charge run through again ... did that and was declined again. Then received calls from 2 places that I had set up automatic monthly recurring payments for quite some time ... they indicated the current payments had been declined. I naturally called customer service again and this time was told that the account had been closed? I was informed that because Stein Mart was no longer in business ( which isn't really true ... they are back as an on line store only ) that my account had been closed. I never received any information regarding the closing of this particular account and asked to be transferred to customer service in the US. The rep I spoke to around XX/XX/XXXX was very helpful and let me know that most of the " Stein Mart '' accounts had been transferred to just a different account with Synchrony ; she was going to check and get back to me but as of this date I have not heard back nor received any correspondence providing a reason for the account being closed. I am contacting the CFPB for a few reasons on this situation. Closing an account arbitrarily for a non-negative reason ( I always paid on time/no issues ) negatively affects the consumer 's credit scores. My having pre-authorized payments charged to the card & then suddenly being declined was not only embarrassing but could have again adversely affected my credit. This account was a Master Card ... not an in house credit program. I would like to know why apparently other cardholders accounts were transferred to a new Synchrony account and mine was not. 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 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I am writing today in regards to my account with Loan Care Servicing C # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

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