vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had an old Bank of America card that I never use. One day I got a notice from XXXX that this account was delinquent. I had NO balance on this account and then suddenly a charge for XXXX XXXX appeared, and I never ordered XXXX XXXX. I called Bank of America and they said they would immediately remove the charge and fix the credit report. They removed PART of the charge but left a XXXX charge. WORSE - now the account is reported delinquent for TWO MONTHS. I again called Bank of America and spoke to someone on the phone. As of now my credit score has dipped 60 points solely because of this error by Bank of America.

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 2020-02-24 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: NY

Complaint narrative:
THE ACCOUNT DIPSUTED HAS TO BE REMOVED OFF MY CREDIT FILE FOR ITS BEEN REPORTING INACCURATELY. IT WAS PREVIOUSLY REMOVED AND NOW ITS REPORTING WITHOUT MY KNOWLEDGE. PLEASE HAVE THE ACCOUNT REMOVED OFF MY CREDIT 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 non-monetary relief
Consumer complaint received 2020-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: CA

Complaint narrative:
My property loan was sold to Statebridge company, so they became the new loan servicer. I didn't know they were the new loan servicer until my credit report dropped 100 points because they reported me over 90 days late. They had never sent me anything, and I had been making regular payments to the previous loan servicer. So far, they have charged me a late fee and ruined my credit even though its their fault. When I make a payment online to them it is rejected but I don't know why. I have also just received a notice from my insurance company that my homeowners insurance has been cancelled for lack of payment because Statebridge didn't pay it. When I called Statebridge I was told they didn't know they were supposed to pay it even through I pay into an escrow account every month for it. I had to pay it myself to reinstate my insurance. I think they are intentionally not sending out correspondence, not sending out statements, and intentionally not paying insurance, to rack up fees and foreclosures. I have contacted them by phone or email but still have not had a satisfactory response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I've received a piece of communication from Chase, requesting me to provide the supporting documents, which for the record I have and had, in order to resolve the claim XXXX for the charge of {$1300.00}, posted on XX/XX/XXXX with 'XXXX  '. On XX/XX/XXXX I've successfully submitted required documents - such as, but not limited to, return shipping label, tracking info, supporting documents from XXXX and sent them to previously provided to me by a representative an email address - XXXX. However, on XX/XX/XXXX I've received another piece of communication that the case has been decided in merchant 's favor due to 'not getting any supporting documents proof. As a proof of my statement, I enclose all the supporting documents in this inquiry, altogether with a screenshot of a successfully sent email to Chase. Therefore, I'm kindly requesting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
PayPal has yet to refund my money to me. I called them and they were uninformative and stated the business has not released the refund. The email clearly states the refund has been issued and to contact the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: WA

Complaint narrative:
I am writing to ask that you look into the predatory banking practices of Discover credit card. 

I am currently reeling from a shocking phone call I received on XX/XX/2020 from Discover, a credit card account I opened just 7 weeks ago. Discover demanded I release my 1040. If I did not comply, they threatened to close my account. This has all been verified. It was indeed Discover. See attached.

I held a savings account at Discover Bank for over 8 years before deciding to open a Discover credit card. Following the normal credit application procedure, I unfroze all my credit reports, one at a time, at all three credit reporting agencies. Once approved, one by one, I refroze each credit report.

Less than 7 weeks after receiving my card, I received a call from Discover card telling me to check my email and to respond to their request for the release of my 1040. ( see attached ) Shocked, I demanded to know why?! They claimed they saw unusual activity on my account. I hung up and called the number on the back of my card. I was then informed that my card had been put on a temporary hold until I complied and if I chose to not comply, my card would be closed in 2 weeks. Reason given : unusual activity. What in the world was going on? I was also locked out of reviewing my own account activity! My heart raced like never before! They said I had agreed to the use of this action per their user agreement. I could not argue as I did not read all '20 pages ' of it.

I hung up and called Discover Bank where I have held a large account for over 8 years. I begged their assistance. They agreed this was disturbing but failed to intervene. What was happening to me?

In total panic, I contacted the agency that monitors my credit activity fearing I may be a victim of identity theft. NO unusual activity. What is  going on?! 

I am a senior citizen with pristine credit. I've never missed a bill in my life! 
Are they randomly targeting seniors?

I am NOT complying with Discover 's demands. In fact, I immediately closed the card. I have also closed my account at Discover Bank after they failed to intervene on their own product.

4 days after closing both accounts, I CONTINUE to get emails from Discover continuing to ask me to release my 1040! ( See attached ) They have no right nor reason to be demanding this very personal information.

Please investigate this as it is clearly predatory activity.

Thank you. I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It has now been over 30 days since Transunion received my certified/return receipt letters disputing inaccurate information on my report, and have failed to investigate. Therefore, the negative items on my report should be deleted. 

All correspondence attached. 

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 2020-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC
State: NV

Complaint narrative:
Complaint concerning Sunlight Financial XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Since XX/XX/XXXX, I have reached out to the company 's billing and contract management team regarding my Solar loan account. The amount of my contract has stay the same and I have been making timely payment of XXXX for 17 months {$1300.00} which {$1300.00} has gone to interest and approximately {$44.00} to principle. The contract under paragraph Interest, promise to pay, was for an annual rate of 4.99 % for twenty years. I have timed unsuccessfully to reach out to the company and request what paragraph states that I would have to pay interest first. 
The billing department can't explain the principle amount and why 99 % is going to interest which only started in XXXX. I need to understand why I am paying all financing charges up front and where in the contract that I agreed to this. Your assistance is appreciated.

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 2020-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
The most immediate issue here is a FCRA violation by the current servicer, NewRez LLC dba Shellpoint Mortgage Servicing, by illegally reporting to two CRA 's - XXXX  and XXXX  - that my account is in arrears. The illegality here is due to the fact that I have not made any payment to Shellpoint EVER, and the last payment to the prior servicer ( s ) was XX/XX/XXXX to XXXX XXXX XXXX , XXXX . The last date that this account could be legally reported would have been XX/XX/XXXX. 

This is also the SECOND time this has happened. They did the same thing in XXXX. 

The way they attempt to skirt the time limitation is to falsely claim that I entered into a modification agreement and made payments to them in XXXX and that my payments are " as agreed ''. This wrongly gives them the ability to publish a 120+ day delinquency on the account which seriously reduces my credit rating. 

I have written to the CRAs and, in fact, issued complaints against them here. I also faxed a letter to Shellpoint in my name, and my attorney contacted XXXX XXXX of XXXX XXXX in XXXX, NY, the attorney for Shellpoint/XXXX  XXXX  ( current purported owner of the Note and Mortgage ). So far, they have not responded to the CRA or to me, nor has Ms. XXXX responded to my attorney, XXXX XXXX, XXXX. 

This case began with a foreclosure filed on XX/XX/XXXX, which is still ongoing. We have won several recent motions, one of which required Shellpoint 's attorney to pay {$600.00} in costs to us and the other recent granted motion was to vacate their " Note of Issue '' and Certificate of Readiness for trial. This is a costly one for them to lose since they now must provide meaningful discovery and then pay again the filing fee for a Note of Issue. I believe an argument can be made that the conduct is not only repetitive but retaliatory. 

The initial case was brought by XXXX XXXX XXXX , XXXX and was based, I believe, on a scam similar to ones cited in your File No. 2015-CFPB-0019 consent order against this company ( which is now essentially out of business due to your efforts ). They had received my mortgage from XXXX which had serviced the account and with which I never missed a payment ( as I did not with XXXX  until they involved me in their escrow scam ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2020 I received an email from Experian stating my credit score had changed. I logged into Experians home page and noticed my credit score had dropped 22 points and when I checked the credit report against the credit reports I had already downloaded I noticed there werent any changes such as inquiries ( They were exactly the same ). I called Experian to find out how could my credit score have dropped 22 points when there werent any new information or inquiries provided to them? I was first told by the agent that I was right that nothing had changed but Experian wasnt in charge of my credit score dropping and that they only go off information provided to them. I was then told I would have to hire a financial professional. 
This argument didnt make sense at all and asked to speak with a Supervisor ( XXXX ), XXXX stated the same XXXX argument and when I asked her If there wasnt any new information that would impact my credit that wasnt already there but Experian dropped my score how could you say that Experian is only going off information provided? XXXX wasnt able to intelligently give me a plausible reason but continued to spout that I had to hire a financial professional so I hung because they knew their argument didnt make sense and I wasnt getting anywhere. 

Experian Membership ID # 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 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is an illegal collection which has continued on my credit report after providing the necessary documentation for it to be removed. There was a letter provided by the court to the credit reporting agency and all of the supporting information yet they did not remove it from my credit report. The company was contacted directly and they ignored. There is no monetary judgement after an illegal debt collection attempted at town court. The company XXXX XXXX XXXX attempted to collect {$2400.00} at court for one months rent which was actually {$900.00} the amount of {$700.00} had already been paid plus estimated {$1000.00} in security deposits for the unit. I have a statement from the company which shows no damages and a letter from the courthouse which states no money owed. The collection was illegal and it still is. It is preventing me from securing stable housing in the future.

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 2020-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
Received a bill from Nationwide Credit , Inc for {$110.00} I have never had a contract with the company or done business with them. I am disputing this bill and the company attempting to collect this debt has added this balance to my credit profile without verification or validation of this debt. This account has been added to my credit profile as a collections account and needs to be removed immediately. This company has been unable to verify or validate where they have a contract signed by me stating I owe them a balance. This account needs to be removed from all three credit bureaus with in 30 days. And I need to receive proof that this has been done within the requested timeframe.

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 2020-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HBC has started blocking all transfers from the XXXX to our account for three weeks or more while refusing to communicate to anyone about why. 

1 ) These is are 1st to 1st transfer that I send to myself from the XXXX 2 ) Similar transfers have been incoming monthly for the past 8 years without any problems, as this is my salary from my XXXX employer. 
3 ) This account with HSBC is fully operative and has been opened since 1994 Further, the contact numbers HSBC operations department includes in the wire information seem to be inoperative and no one answers. I am a professional in the XXXX  industry, and this indicates that HSBC compliance process is broken. At worst, it may be evidence of illegal racial profiling, given my XXXX   name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There is a Bank of America account that was said to be opened in some time of XXXX in my name. They attempted to collect somewhere around 500 $ of debt I had no knowledge of, they stopped reporting and it was gone. Within the last year, it has popped up under my name and in my attempts to collect it. I again told them that it was unauthorized and I had no knowledge of it- they did not listen and started reporting on my credit score which bought it down dramatically. I have done all I could. How could I provide proof about not knowing about an account I did not open? I am a  XXXX XXXX  that has banked with Bank of America for almost 8 years. I'm thinking of prospectively closing all of my accounts permanently. More than once I've asked them to send or give some sort of validation about the debt to show it was mine and I have never received it. Not only have they been violating consumer trust relations- but they have also been unlawfully reporting on my credit report ( since the statutes of limitations are 7 years ). I'm at my wits end of what to do. Without first providing written verification, they have been in violation of the Fair Debt Collection Practices Act.  Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. I would greatly appreciate any efforts to look into and resolve this for me. I'm not sure what else I could do on my end.

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 2020-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I SENT MONEY THRU XXXX AND CHASE TO MY FIANCE TO MAKE A PAYMENT FOR MY WEDDING VENUE ON XX/XX/2020 AND WE HE WENT TO RECEIVE IT SAID HE COULD NOT RECEIVE IT WE CALLED CHASE BANK AND THE THEY CAN SEE IT IN SOME LADY ACCOUNT AND SHE HAS A CHASE ACCOUNT SO THIS WAS AT MIDNIGHT WENT TO CHASE THE NEXT MORNING XX/XX/2020 TO TRY TO GET IT STRAIGHT THE LADY AT THE BANK SAID THEY COULD TAKE IT BACK AND PUT IT IN MY ACCOUNT THAT DID NOT HAPPEN THEY TOLD US THEY CAN SEE IT IN HER ACCOUNT THAT HER NAME IS XXXX THEY OPENED UP A CASE XX/XX/2020 CASE NUMBER XXXX FIVE DAYS LATER THEY SEND A EMAIL SAYING THE TRANSFER WAS GOOD EVEN THOUGH IT WENT TO THE WRONG PERSON SO I CALL CORPORATE OFFICE OPEN ANOTHER CASE AND FEW DAYS LATER THE EMAILED ME AND SAID THEW SAME THING THAT THE TRANSFER WAS GOOD AND THERE WAS NOTHING THE COULD DO BUT WAIT TILL THE LADY CALL THE BANK ABOUT IT WE ASK IF THEY WOULD SEND A CERTIFIED LETTER THEY SAY NO THE TRANSFER WAS XXXX DOLLARS

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Im a current full time XXXX at XXXX. Im in a problem for students with XXXX. Im required to only live on campus. Which also comes with Scholarships, and grants. Ive never did business with XXXX XXXX XXXX, or National Credit Systems. Im depending the fraudulent account be removed from my credit reports. Ive never signed or entered into an agreement or contract with National Credit Systems or XXXX XXXX  XXXX. Im attaching proof showing where I paid and lived on my college campus

Company response to consumer: Closed with explanation