vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc.
State: FL

Complaint narrative:
on XX/XX/XXXX I submitted a payment of {$50.00} to Total Visa and it was removed from my bank account. I log in to pay my bill on XX/XX/XXXX and im notified that I need to call because my account is past due which is not correct Ive never had a late or missed payment with this company ever over the duration of having my account open for three years. So i give them a call and im notified that my payment was returned from XX/XX/XXXX and that my account is now closed and that I need to speak with my bank. I then call my bank and Im advised theres no record of this and that it did not happen, my statement reflects this as well there are no charge backs. So now my account with Total Visa is being closed and theyre charging me a late fee as well as the returned {$50.00} payment as well as the annual fees. Ive spoken to numerous people about this with zero resolution. I was advised I needed to send my bank statement through fax or mail but the fax line was busy for hours until I was finally able to get it to go through. Now, not only is an account Ive had open for three years being closed, Im being charged a late fee, the returned payment and the annual fee for the dates XXXX and my account is closed and a late payment will be reported to my credit file when none of this is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
To Whom It May Concern : We, XXXX XXXX XXXX and XXXX XXXX are in receipt of your XX/XX/XXXX, Notice of Intent To Foreclose. We are responding according to the instructions on page 7 that read Unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, we will assume this debt is valid. Please accept this letter as our notification that we dispute the validity of this debt. In XX/XX/XXXX, following a suspicious conversation with a Mr. Cooper representative, we contacted Mr. Cooper by email requesting a color copy of the original note and the assigned contract for the subject loan. Mr. Cooper sent a copy of the Note and DOT documents. We then contacted Mr. Cooper by mail in XX/XX/XXXX, requesting a color copy of the original Promissory Note for our property and any transfer documents that you have as proof that Mr. Cooper owns or legally represents the owner of the mortgage or mortgage note for our property at XXXX XXXX XXXX, XXXX XXXX, MD and we receive a copy of a copy instead of a color copy of the original documents as requested. In early XX/XX/XXXX, I attempted to refinance the mortgage with a reputable lender and take advantage of the extremely low fixed mortgage rates. During the application process, the potential lender explained to me that the information I provided in my application was incongruent with their findings. They further explained that Mr. Cooper has a {$0.00} lien on your property, essentially no mortgage. In response to their accusation, I provided them with our mortgage statement from Mr. Cooper to prove I was paying a mortgage to Mr. Cooper for said property. I was unable to proceed with the refinance and the feedback from this reputable lender reinforced our concerns from XXXX about Mr. Cooper having legal rights to our mortgage. 
Further, Mr. Cooper has not reported our timely mortgage payments since they allegedly acquired the mortgage. The credit bureaus also show us as having real-estate mortgage of {$0.00}. 
As stated in my XX/XX/XXXX letter, we have deposited the amount of the mortgage ( principal and interest ), taxes, and insurance into a savings account and monthly provided proof to Mr. Cooper of the monthly {$2500.00} deposit. We are gravely concerned about the authenticity of the documents that Mr. Cooper has provided, that Mr. Cooper is the legal representatives of the owner of our mortgage/mortgage note, and Mr. Cooper is legally authorized to continue collecting money for our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ON XX/XX/2021, I SENT TRANSUNION A LETTER REQUESTING THE INACCURATE ITEMS BE DELETED FROM MY CREDIT REPORT AND I HAVEN'T HEARD FROM THEM CONCERNING THIS INVESTIGATION .THIS IS CAUSING ME HARM AND XXXX AND I WILL LIKE FOR IT TO BE DESOLVED. I HAVE ATTACH A COPY OF THE LETTER FOR YOUR REFERENCE.

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 2021-10-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OR

Complaint narrative:
I applied with a separate company on XX/XX/21. From XX/XX/21 forward, I have received calls every day multiple times per day from Amerisave Mortgage which is not the company I am working with and Amerisave Mortgage refuses to stop calling. I have told them every day that I want to be removed from their list and they continue to call the next day. This harassment is both unprofessional and illegal. I have blocked their number and they call from a different number. I have never inquired with them and they have never disclosed specifically how they received my information. I just want the harassing calls to stop.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: NY

Complaint narrative:
BS '' D Hi to all I am having the worst bank relationship ever with XXXX/netspend. 
Did two 100 % Legitimate DD 's from payroll but wouldn't give me the bonus claiming that it didn't come as dd even though their computer categorized it as a dd. 
After complaining to XXXX  got the bonus but when trying to transfer to external Account was suddenly blocked as fraud and since then asking me for various documents. I sent them by email and then waiting to be able to transfer money. 
They never sent anything by mail I always had to call them and wait very long time and would get answers by representatives. Now they say that they need a colored copy of the documents. They closed my Account and are holding my money. After long time got a call from corporate office manager saying that my money will only be returned to my payroll account after getting a letter of indemnity from my employer as a another way of harassment and means for holding the money for a longer period. He too is not ready to send any official mail asking for documents but by phone only. 

Thx and b blessed

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 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: LA

Complaint narrative:
I have a joint collection on my credit report. This is correct. There is also a duplicate of this same collection on my report owned by another company, but it is listed as single instead of joint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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:
I was checking my credit report and I saw that my credit score is low. I don't know why you put this information on my account. I believe someone used my personal information and applied for this

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 2021-10-22 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 was checking my credit report and I saw that my credit score is low. I don't know why you put this information on my account. I believe someone used my personal information and applied for this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts On XX/XX/21 please be sure to enter dates that all letters were sent. 

Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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:
XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts On XX/XX/21 please be sure to enter dates that all letters were sent. 

Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
1.I have a conventional first mortgage with Mountain America Credit Union that I opened on XX/XX/XXXX. 



I always made my payments on time. In XX/XX/XXXX we had trouble making our payment due to COVID. We reached out to the credit union and informed them the payment would be late and we made the payment on XX/XX/XXXX of {$1500.00}. This was the payment that was due in XXXX. Without my knowledge, the credit union did not follow the Care Act and marked me 30 day late on my credit report in XX/XX/XXXX. 



Recently I got a job in a near bye city. Since the commute is long, we decided we wanted to sell our home and purchase another one closer to work. When I applied for the new mortgage, we found out about the 30 day late. I was surprised since I know the Cares Act does offer relief for COVID related issues with making your mortgage payment. I reached out to my credit union to inquire as to why they were not following the Cares Act and they would not give me a straight answer and required me to submit a dispute online. I could not talk to anyone and after waiting for weeks I got a letter in the mail saying they are not going to change any of my reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING INQUIRIES ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: FL

Complaint narrative:
My name is XXXX XXXX. I had XXXX for almost 20 years. When I got married my wife asked me to get red of my old number to eleminate any issues with past relationships. I did and it the same time she added me to her accound. At that point I had to pay the pro-rata amount of the monthly remaining balance. I had a call from XXXX and aggreed to pay the {$35.00} that was accrued. Because my line was changed and address was changed I did not have any contact with them for anout 3 months. Next thing I knew they send me to collection with {$330.00}. I disputed it but I couldn't get it out of my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
I have a Lowes Advantage Credit Card issued by Synchrony Bank, Acct. On XX/XX/2021 a promotional interest was added to my account in the amount of {$2500.00}. 

1. On XX/XX/2021, I called Lowes to inquire about the interest charge and was informed that the interest charge related to a promotional balance that was not fully paid by XX/XX/2021 and that I had a 30 day grace period to pay the promotional balance and avoid the promotional interest. While on the phone with the representative I made a payment of {$2700.00} ( more than the promotional balance ) and was informed the promotional interest would be removed. I was verbally informed my new balance was just above {$3000.00}. 

2. On XX/XX/2021 I noticed that the promotional interest had been deducted and added back to the account in two separate transaction, having the effect of not removing the promotional interest. I again called and was informed it was removed. 

3. The same scenario occurred on XX/XX/2021 with the effect of not removing the promotional interest rate. 

4. See also XX/XX/2021. Each time Lowes/Synchrony Bank deducts the interest and simultaneously adds the same interest back resulting in the original promotional interest remaining on my account. 
For this scenario to repeatedly occur does not appear to be accidental.

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 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently made a complaint against Experian. Now they have added a 7 year fraud alert without my permission. They have denied XXXX XXXX XXXX XXXX and their screening company the ability to do a background Check on me by not lifting fraud alert so that Credit Check and back ground check can be performed. Please contact XXXX with XXXX XXXX XXXX XXXX XXXX XXXX, application number in first attempt XXXX, attempt second time application number is XXXX. Urgent response needed. I spoke with XXXX in Fraud alert for Experian Dept special Services on XXXX at XXXX XXXX. XXXX assured me she would take care of lifting the fraud alert so that verification for XXXX XXXX XXXX XXXX locates on XXXX XXXX XXXX VA could perform back ground check. XXXX has not taken of the matter as of yet. Please assist Urgent!!!! Response needed!

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 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
In ab out XX/XX/XXXX, I opened an acct with SunTrust Bank because Social Security required a bank to do my SSRI into each month. Jumping to XX/XX/XXXX, XXXX cellphone sent its payment to SunTrust, causing my acct to be in a - {$400.00} balance. To clear up that unfortunate situation, an employer sent me as he has attempted to do for 3 months, however, each time , ST ( SunTrust ) kept refusing or delaying acceptances of the job 's payment to me for expenses to do the 2 week. 

Suddenly, on XXXX XXXX, I wanted to correct the incorrect acct number showing on my mobile account. I called ST and then was told that ST is closing my account, BUT it will not tell me anything about WHY IT IS BEING CLOSED and I am not allowed to access the funds in the account to go to my job that has been put on hold for 3 months. 

My complaint against SunTrust is that it is holding funds {$4800.00} just like XXXX AND XXXX  XXXX  HAVE DONE OVER 2 YEARS, totalling {$20000.00} + {$4800.00} and my bills are not paid because XXXX, XXXX, and now ST are holding my money. 

Can your agency prosecute these and hundreds of other financial banks to demand return to me of my nearly {$25000.00} in illegally held accts. 

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 2021-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: KY

Complaint narrative:
For the last 6 months the company has made it so difficult to consolidate my loans. When I XXXX  college on XX/XX/2021 I was told to wait about 30 days to have my loans be removed from an " XXXX '' status on FedLoan. I waited that period and submitted a consolidate application on the FAFSA webiste and called about a month later. I was told by an agent that I was forced to stay on a " Forbearance '' status due to the pandemic. The agent also said I would have to wait until next year in XXXX to be able to resubmit another application. I fault that was a lie because not every single person was affected by the pandemic and we all should not be forced into a Forbearance status if it was not needed. So I called a month later in XX/XX/2021 and got another agent who stated that the agent was misleading and I could opt out of forbearance so I can submit my consolidation request. However, I was not able to because the system on FAFSA was showing that I still had a pending consolidation that was submitted back in XXXX. I was unable to create another one so the agent said he would do it manually and that I would need to call back. so sometime in XXXX I called and the customer rep told me that she sees my appliation and that she would transfer my call to consolidations, the wait was so long that I hung up, I felt like things were going correctly finally but today I called and the consolidation department told me that there was no such application and that I missed the 180 day deadline to get my application in. Finally I requested a manager and asked if they could review the last 4 calls on my account to see that I have been mislead and lied to about consolidating my loans. It seems as if the company is trying so hard to now allow me to do that. At the moment its impossible for me get a consolidation now because as of XX/XX/2021 I am now in an " XXXX '' status. I know how this company operates and its just so unbelievable how this is happening to my account. I have submitted proof of XXXX and it showing on there but my PSLF is still pending as well. I think there is a bigger issue at hand and some corruption that needs to be investigated. If you could just hear the last 4 calls on my account you can see that this company is refusing to do its job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Comenity Bank opened an account in my name without authorization. 

They ran my credit, and then reported a new account being opened. 

They refuse to answer my questions online, and apparently are running up a balance in my name, in spite of my never applying for a card. 

I never gave them an address to send a bill, I never gave them a phone number, and I have no way of contacting them online other than through the account I was an additional card holder on, ie. my wife 's account.

Company response to consumer: Closed with non-monetary relief