vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XX/XX/2021, I paid the balance {$8900.00} but I inputed the wrong number, because I thought the account number is the wire number. I contacted with the bank to tell the truth, and the customer service told me that they know it now. One reject payment would not close the account, unless you have two rejected payment. This is Synchrony bank rule. 
I only have this one time reject payment, so I paid my full balance at {$9200.00} on XX/XX/2021 including the orders still pending and undelivered. The statement is shown up in XX/XX/2021. I paid the full balance after 1 day. 
On XX/XX/2021, Synchrony bank closed my amazon store card account. Their reason is that they thought I could not pay my balance. This is unreasonable. 
I have {$710.00} rewards on my account, and they don't give it bank to me when they close this account. They don't have any reasons to close my account unless they try to un-pay my rewards.

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 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I AM NOT applying for a new mortgage or refinancing an existing one. 
Rocket Mortgage has called me from XXXX 4 to 5 times a day for the last 4 days. They call while i am driving to work, while i am at work and when i get home from work each day. 
I did not request any information or any quotes. I did not apply for or sign up for any programs through them or their affiliates. The number of calls i am receiving on a daily basis is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TN

Complaint narrative:
Shortly before COVID, fedloan servicing contacted me and told me they were increasing my monthly payment because of an accounting error they made. My payment increased from about $ XXXX to $ XXXX. I'm concerned that they have misapplied payments and my balances are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, we purchased refundable airline travel tickets through Chase XXXX for the holidays. We purchased the departing flights for travel on XX/XX/XXXX in the amount of {$440.00} for my two parents, and a return flight for all 4 of us ( my husband, myself, and parents ) to travel back on XX/XX/XXXX for a total of {$830.00}. Total purchase for all flights was {$1200.00} These flights were purchased as refundable, and all policies and rules were reviewed to ensure that in the case of any needs to change our plans due to XXXX we would be refunded. All rules and policies for these tickets had no stipulations, and all indications on receipts, itineraries, etc indicated the flights were refundable. See attached documentation as such. 

On XX/XX/XXXX we were notified that my sister and her family, who we were traveling to see for this itinerary, tXXXX XXXX. We reached out to Chase XXXX to get our flights refunded. I spoke with 6 different people, all of whom informed me that the tickets were not refundable, and there would be a {$200.00} per ticket ( total of {$1200.00} ) to cancel. However, they informed me that they were eligible for flight credit. No where on any documentation is there any published documentation of this policy, and when I contacted XXXX XXXX regarding our ticket, they informed us that they sold the ticket to Chase ( to sell to us ) as a nonrefundable ticket. However XXXX XXXX had no ability to refund us as we purchased the tickets through Chase XXXX. 

What was sold to us was a refundable ticket that was in actuality, not refundable and therefore we were sold a fraudulent ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX and I am researching an important transaction through my XXXX Mortgage account which transpired in XXXX, XXXX. Essentially, I am seeking the cancelled check for XXXX, issued XX/XX/XXXX, in the amount of {$36000.00}. 

In XXXX, I refinanced my mortgage to pay off the student loans I took out in XXXX. The student loans continued to accrue interest, despite this payoff, totaling {$110000.00} as of XXXX, XXXX. 

I am disputing this exorbitant interest, as well as the predatory lending practices of the XXXX lenders who have bought and sold my loans, passing along the usurious interest rate of 9 % with each loan sale, despite student loans being at a historically low rate of .99 %. 

The Department of Education Office of the Ombudsman requires proof of student loan payoff in order to abolish the disputed interest accrued; thus I am hoping XXXX XXXX can please locate the cancelled check issued to XXXX in XXXX. I have provided the ledger of the refinance transaction, as well as the payoff letter from XXXX XXXX. 

Would you please help me settle this matter so that my loans can finally be recorded as paid in full? My credit rating and ability to obtain a mortgage are being negatively impacted as this is written.

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 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX and I am researching an important transaction through my XXXX Mortgage account which transpired in XXXX, XXXX. Essentially, I am seeking the cancelled check for XXXX, issued XX/XX/XXXX, in the amount of {$36000.00}. 

In XXXX, I refinanced my mortgage to pay off the student loans I took out in XXXX. The student loans continued to accrue interest, despite this payoff, totaling {$110000.00} as of XXXX, XXXX. 

I am disputing this exorbitant interest, as well as the predatory lending practices of the XXXX lenders who have bought and sold my loans, passing along the usurious interest rate of 9 % with each loan sale, despite student loans being at a historically low rate of .99 %. 

The Department of Education Office of the Ombudsman requires proof of student loan payoff in order to abolish the disputed interest accrued; thus I am hoping XXXX XXXX can please locate the cancelled check issued to XXXX in XXXX. I have provided the ledger of the refinance transaction, as well as the payoff letter from XXXX XXXX. 

Would you please help me settle this matter so that my loans can finally be recorded as paid in full? My credit rating and ability to obtain a mortgage are being negatively impacted as this is written.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX and I am researching an important transaction through my XXXX Mortgage account which transpired in XXXX, XXXX. Essentially, I am seeking the cancelled check for XXXX, issued XX/XX/XXXX, in the amount of {$36000.00}. 

In XXXX, I refinanced my mortgage to pay off the student loans I took out in XXXX. The student loans continued to accrue interest, despite this payoff, totaling {$110000.00} as of XXXX, XXXX. 

I am disputing this exorbitant interest, as well as the predatory lending practices of the XXXX lenders who have bought and sold my loans, passing along the usurious interest rate of 9 % with each loan sale, despite student loans being at a historically low rate of .99 %.

The Department of Education Office of the Ombudsman requires proof of student loan payoff in order to abolish the disputed interest accrued; thus I am hoping XXXX XXXX can please locate the cancelled check issued to XXXX in XXXX. I have provided the ledger of the refinance transaction, as well as the payoff letter from XXXX XXXX. 

Would you please help me settle this matter so that my loans can finally be recorded as paid in full? My credit rating and ability to obtain a mortgage are being negatively impacted as this is written.

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 2021-12-17 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 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: I.C. System, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I received an alert from XXXX that I.C. System has flagged my account as a Collection. I then sent a dispute to verify the accuracy of this account. On XX/XX/2021 I received an alert from XXXX that my dispute was submitted ( way after the 30 day mark ). I then received an update on XX/XX/2021 that my dispute was closed and that the account was verified. I then asked for a reinvestigation and a notice received that they will not reinvestigate with no explanation at all. I have sent several disputes including copies of the dispute letters that I sent the Collection Agency who has not to this day Validated this account. I am not sure how they verified the account when the creditor will not respond to me. I have sent 4 certified letters to I.C. Systems and even the last one was notarized. I still have not received validation of this account but they are still reporting on my 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 2021-12-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Nelnet lns wants over {$700.00} in monthly payment which are impossible for me. I tried to get the rate down but to no avail. They also have XXXX loan accounts open and my Credit score went from XXXX to XXXX in one day because they made all accounts delinquent at same time. This is ridiculous for struggling graduates and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Liberty Capital Services LLC
State: OH

Complaint narrative:
We reached out to XXXX XXXX, a lender from Liberty Capital Services , LLC, for a loan application to purchase a house. During the communication and email exchange, we shared the information about the address, what type of house we are buying ( a duplex ), etc. He sent us the Closing Disclosed Estimates with 0.403 % of loan amount ( points ) origination charges. We used this number for the whole working process. Two or three days before our initially scheduled closing date, he sent us the formal Closing Disclosure document, and the point increased to 1.403 % of loan amounts, which means at least another {$2400.00} cost from our end. We reached out to him, trying to figure out why. And he said the reason for the difference in the points is his " mistake. '' He put the number wrong. And he wants us to sign the new closing disclosure soon. We refused to sign it. This explanation won't help us accept and let us pay an extra {$2400.00}. We also realized in some states, according to XXXX, it is illegal to increase the lenders fees ( i.e., origination charges ) between documents. 

His behavior is like a scam. So we emailed him respectfully, saying this is unacceptable to inform us a few days before closing that we need to pay extra thousands of dollars because of his mistake. We shared all the information appropriately for the loan application, and he couldn't just change the lender fees because of a " mistake. '' And we also mentioned in the email we would like to have a solution from them. 

Then, one day later, he sent us a really rude, disrespectful email claiming that even this is his fault, he strongly believes we should choose him and accept what happened and continues the closing anyway. He also threatened us in the email that we should think about how much mess and issues may arise with the seller if we cancel the closing now. This email made us feel really hurt and uncomfortable. He didn't apologize for how much inconvenience may be caused because of his fault and how the extra cost may be an extra burden. His behavior also feels like a scam to us. We feel fooled by him and his company. 

We already spend more than {$1000.00} on the closing, with almost {$800.00} for appraisal and {$400.00} for inspection. Now we are in a dilemma : continue closing with him but actually feel fooled, scammed, and disrespected, and need to pay an extra {$2400.00} ; we're unwilling to continue working with someone disrespectful and rude. If not continue closing, we waste more than {$1000.00} and lose our chance to buy the house we want because the seller may not be willing to wait for another 1-2 months. 

We believe this is misconduct of the lender and his company. And we want a better solution to make us feel we are treated fairly and honestly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-17 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: MD

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 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: Colony Brands, Inc.
State: TN

Complaint narrative:
I ordered some merchandise from XXXX and paid for it. months later I have on my credit report 60 days late for credit that i did not apply for. When I called XXXX to handle the matter ; they said that they sent me a necklace that I did not pay for. I then paid for it. but it is listed on my credit report that I applied for credit for XXXX and for XXXX and is late 60 days. 
I filed a dispute with XXXX with no results. If they had investigated this matter they would no that I never had a credit account with this company for that amount. 
This credit reporting error brought my credit score down XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
On XX/XX/2021 I received a correspondence from Ic System in regards to an alleged debt. IC System has violated many of my consumer rights. Exhibit A violation 15 USC 169 2b ( 3 ) by printing a full logo on the top of the page. Exhibit B violation 15 USC 169 2B ( 2 ) an alleged debt amount that has a positive balance. Any alleged debt that is owed should print a negative sign in front of the debt. Exhibit C 15 USC 169 2 B ( 2 ) Using Threating language in the body of the letter.

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 2021-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
I have contacted FedLoan on XXXX occasions in the last 30 days, totaling XXXX hours on hold There are no callbacks. 
Online chat is disabled They do not respond in XXXX message There is no way to contact them. 
Emails are unanswered

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I opened two accounts with Ally Bank on XX/XX/XXXX of 2021, depositing {$5000.00} into an interest checking account and {$5000.00} into a savings account. I received a debit card in the mail. 

After a few weeks I tried my first transaction, which I think was a small debit card purchase. My account was immediately locked for suspected fraud... I received notification in the mail. 

I phone Ally Bank on XX/XX/XXXX and aske for the fraud department, where I encountered " XXXX, '' a XXXX XXXX XXXX XXXX XXXX  employee who would tell me nothing and only said he would send a document upload link via email, then hung up on me. 

I uploaded all the requested documents, then waited several weeks. Nothing happened. 

I called back and spoke with XXXX in fraud prevention. She was apologetic, but said none of my uploaded documents were in the file. She didn't know why. She sent me another upload load and promised to track the case to ensure quick resolution. 

I never heard from XXXX. 

Several weeks later I called again and spoke with XXXX in fraud prevention. She said none of the documents from either of the two previous uploads were in the file and offered to send me yet a third upload link, but I insisted she stay on the line to verify receipt. We did three sets of uploads, she confirmed she had all the documents from all the uploads, she said they were more than sufficient to prove my identity ( all of these included a photo of me holding my passport, etc. ), and that this would be resolve within 24 to 48 hours. 

I never heard from XXXX. 

Weeks later, I called and spoke with a customer service agent who could not transfer me to fraud prevention but said she would try to get someone there patched into the line. She was on hold ( as was I ) for about 40 minutes, then she came back on the line. She said the person she spoke with in fraud prevention would not speak with me, told her not to reveal his or her name, and said someone would reach out to me within 24 to 48 hours, then hung up on the customer service agent in his own organization. She was embarrassed. 

No one ever contacted me. So I filed a complaint with the XXXX, who forwarded my complaint to your agency on XX/XX/XXXX. I haven't heard from you, so I'm filing a complaint directly here. 

Your upload system wiped out my entire complaint a few minutes ago, so I've retyped all of this again. Please contact me, and I will provide you with a XXXX  link to all the relevant emails.

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 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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