vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I opened a account I was told it would be pay ed off in a year it not I haven't gotten any where they misled me I'm a senior citizen

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 2020-12-21 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a credit card from AMEX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called AMEX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 60 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and AMEX with no successful resolution. XXXX, XXXX, and XXXX reporting me 60 days late. There was an error on their part. I was never 60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
After recently reviewing my credit report, I took notice that the above-mentioned account is currently in Charge Off status. I sincerely would like to take care of this account as soon as possible. 
Due to temporary financial difficulties, I unfortunately got behind on my payments and was unable to meet my obligations. 
However, since then my situation has greatly improved and I am in the position to recompense this debt. 
I am willing to pay AMERICAN EXPRESS 12 payments a month equalling the amount of {$6800.00} provided that the above account is updated on all credit reporting agencies to state : PAID AS AGREED, or completely removed from all creditreporting agencies upon my final payment. 
I am not agreeing to an updated credit report that states this account as : PAID CHARGE OFF or the like, as this will not significantly increase my credit score, nor will it reflect my sincere willingness to restore my good name and hopefully, someday, again do business with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Well I have been working with POC listed below XXXX XXXX on this refi request with PNC. It was started in XXXX/XX/XX/2020 and we are now in late XX/XX/2020 for an ERRL, that is still not completed? It is Going on over 6 months now. I have an existing VA mortgage with PNC and they have not done anything after calling several times. 
It has been a waste of my time. 

Reference Number : XXXX PNC, XXXX XXXX XXXX, XXXX, PA XXXX ; pnc.com XXXX XXXX  XXXX Mortgage Loan Officer Home Lending Center NMLS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: OH

Complaint narrative:
I called Experian ( with whom I have a subscription ). I run that report every day to note changes. The only change on the report from the XXXX to the XXXX of XXXX was the removal of a collection account. Instead of increasing my score or rendering the change ineffectual, my score declined 47 points, with no other reported changes from outside of Experian. 

The information they provide on their website listed " Long Credit History '' for my report as recently as the XXXX of XXXX. The current report ( XXXX ) does not show " Long Credit History ''. I asked them specifically why this was removed and I received no answer, nor did they offer to investigate. Something is very wrong with the service I pay for and which ( because lenders see these reports ), I partially base my financial decisions on. 

When I inquired about this specific issue, they refused to research the matter. 

Either my current reported score is wrong or the reported score prior to the XXXX of XXXX was wrong, and I deserve an answer as to which. This is a service I've paid for and deserve a proper investigation and answers.

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 2020-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am writing to acknowledge US Bank Association. XXXX XXXX XXXX XXXX XXXX with XXXX XXXX ID XXXX under loan officer XXXX XXXX XXXX with NMLS LIC ID XXXX is delaying and/or depriving me of a reasonably opportunity to get my mortgage refinance, which started at end of XXXX, to be completed and evaluated, loan ID XXXX. I receive a refi in XXXX and did not have to submit same information repeatly and for some not at all, like they are doing in this current refi application. They have changed my loan estimate documents twice changing numbers like est property value and est cash to close to fit their agenda. I have paid consecutively before time my current mortgage payment for seven years and have a credit score above 700. I feel they are not treating my application as a facially complete that your Regulation X and CFPB Act gives me that right. They are injuring me with additional closing cost fees, delaying and/or impairing my ability to obtain the benefits of a refi loan option at this time, along with a lock interest rate that will expire XX/XX/XXXX. With people losing their jobs due to COVID by the thousands, I feel their deliberately delaying of my application waiting for this to be my faith or like kind so they can deny my refi loan application. This is ethically wrong as hard as we Americans work to keep our home affordable. To get this matter look into before my lock in interest rate expire will be XXXX  lead and whoever choose this samaritan deed of the season may blessing over take you for such goodness that is needed at this time. 

XXXX XXXX XXXX, Refi victim

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 2020-12-21 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I recently received a delinquent inquiry flagged on credit report on XX/XX/XXXX in the amount of {$780.00}. It was from a presumed XXXX account from Transworld. I contacted Transworld because I had no knowledge of the account. Transworld informed me it was from a XXXX  XXXX  account. I contacted XXXX  XXXX  and they informed me that the account was from XXXX XXXX and was under another name ( not mine ) but it was my social security number attached to the account. I informed them that I had no knowledge of this account from XXXX and never received any notifications during the time frame up until now with it hitting my credit in delinquent status. I was told by a representative I would have to report as fraud though my local police department before and if anything could be done and I was also advised that I could file a complaint on the XXXX  XXXX  cite through the email portal. I have reached out twice via that portal and have not received and feedback or call back regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
USAA SENT ME A LETTER ON XX/XX/XXXX STATING THAT THEY NEEDED FURTHER INFORMATION FROM ME OR THEY WOULD SUSPEND OR CLOSE MY ACCOUNT. I WAS NOT GIVEN ANY OPPORTUNITY TO GIVE THEM THE INFORMATION, AFTER 18 YEARS THEY GOT NASTY WITH ME. I EVEN REACHED OUT TO THE CEO XXXX XXXX WHO HAS NOT RESPONDED YET. I AM A XXXX VET AND FEEL THAT WHAT THIS BANK DID WAS TOTALLY UNFAIR AND THEY ARE IN THE WRONG.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Found that the date until forgiveness is getting dragged out longer and longer. When I called on XXXX the rep said that it was because I went back to school and the payments were deferred it's starts the process over again. Never was I informed that the date of forgiveness would be pushed back 7 years if I went back to school for 2 years. She then tried to talk me into the public loan forgiveness which I have already been rejected from after working in child protective services for 11 years. I didn't have the " right '' loan to qualify, so why would you suggest that option. Because then I would have to consolidate my loans under another plan which starts the 25 years over again until forgiveness. I graduated in XXXX. My loans won't be forgiven until XXXX. 32 years later. 7 years after the 25 year date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: FL

Complaint narrative:
West lake financial services reporting account that is not mine on my credit report, trying to collect {$10000.00} from me, account has been opened since XXXX XXXX Account is not mine, never had an account with westlake financial services

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: DISCOVER BANK
State: ID

Complaint narrative:
RE : Discover Dispute Case Number:XXXX Dispute Amount : {$58.00} Discover Card is refusing to credit my account for items that were returned to the merchant XXXX on XX/XX/XXXX and XXXX, 2020 XXXX authorized the return of a damaged electric frying pan and sent a replacement that was also damaged. 
XXXX authorized the return of the damaged replacement. 
XXXX arranged for and had both items picked up by XXXX. XXXX XXXXs own website shows the items were picked up. 

Although both products were delivered to XXXX on XX/XX/XXXX and XXXX, 2020, XXXX failed to record the return of the replacement item and failed to issue a refund to my Discover Card. 
Due to XXXX XXXX non-existent customer service, I was forced to initiate a dispute of the charge through Discover Card in XXXX. This failed to resolve the issue In XXXX I filed a separate complaint with the XXXX against XXXX. 
XXXX finally acknowledged receipt of the 2nd item on XX/XX/2020 and instructed Discover to resolve this dispute in my behalf. 

I provided Discover with all the necessary proof they requested ( copies attached ) in the format they specified including ; o XXXX dated proof of pickup receipts for both items with XXXX XXXX delivery address o XXXX dated proofs of delivery of both items to XXXX XXXX dock o Screenshot of my XXXX account showing items had been received. 
o Copies of correspondence from XXXX agreeing to resolve the dispute in my favor Discover has failed to consider these recent developments and has failed to contact XXXX on my behalf to resolve the dispute. 

Discover Card is ignoring conclusive evidence and ignoring XXXX 's instructions to resolve the dispute in my favor Discover refuses to credit my account in spite of the conclusive evidence that both items have been returned and XXXX XXXX instructions to resolve the dispute in my favor Neither I nor XXXX believe I should have to pay for an item I returned. 

I require Discover to remove the charge of {$58.00} from my Discover Card account. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are several inquiries on my credit report generated by Experian. Particularly, there are eight inquiries on my report that I DO NOT recognize nor did I provide authority to be made ( See attached copy of credit report ). To be clear, the inquires are as follows : XXXX XXXX XXXX, inquiry made on XX/XX/XXXX ; XXXX XXXX inquiry made on XX/XX/XXXX ; XXXX XXXX, inquiry made on XX/XX/XXXX ; XXXX XXXX, inquiry made on XX/XX/XXXX ; XXXX XXXX XXXX, inquiry made on XX/XX/XXXX ; XXXX XXXX XXXX, inquiry made on XX/XX/XXXX ; XXXX, inquiry made on XX/XX/XXXX ; and, XXXX XXXX XXXX, inquiry made on XX/XX/XXXX I have no business or open accounts with XXXX, XXXX XXXX, XXXX XXXX, XXXX, or XXXX XXXX. I do however have a checking account with XXXX XXXX XXXX and an active credit card with XXXX XXXX. Nevertheless on those specified dates, I did not have any interaction with any of these companies. When I called XXXX, XXXX XXXX, XXXX XXXX, XXXX, or XXXX XXXX, they said because they do not have any accounts with me, they could not have possible issued any inquiries for me or on my behalf. When I contacted XXXX XXXX XXXX and XXXX XXXX, they said they do not have a record of making any inquiries. 

By way of certified mail, on XX/XX/XXXX, I wrote Experian and disputed the foregoing inquiries. ( See attached copy of dispute letter with proof of service ) Having NOT received any notice or response from them regarding the inquiries, on or about XX/XX/XXXX, I called to check the status of the inquiry and spoke to a representative who cursed at me, not before hanging up the call. I called back and lodged a complaint against that representative, and of course, didn't hear anything back from them. To date, I have yet to receive any written correspondence from them regarding these disputed inquiries.

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 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was a with BANK OF AMERICA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX, XXXX, XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2020-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DailyPay, Inc
State: NY

Complaint narrative:
I work for XXXX XXXX  and joined an advance pay app affiliated to XXXX XXXX in approximately XX/XX/2020. In XXXX I began experiencing that daily pay was no longer making my wages available to transfer for a fee after hourly rates shifts was worked. Additionally after contacting them they alleged that I transferred XXXX or XXXX ( literally changed amounts from XXXX to XXXX ) and was overpaid by them when my post quarantine paycheck net was XXXX. She then calculated XXXX - XXXX = XXXX and said they would deduct XXXX from my next pay ( of XX/XX/2020 ). I argued that nothing provided that I was over drafting from the app nor did the app make that possible or notify of such a thing. They continued to not give me services that I received from the app before that would update automatically and make available my paycheck in advance where they could have deducted the XXXX. 
The daily app gave notification that On XX/XX/XXXX XXXX of XXXX pay check was sent to my account at XXXX XXXX XXXX bank. XXXX - XXXX is XXXX. So daily pay took XXXX from that paycheck and not XXXX and not indicating any over draft fees etc. 
Additionally my paycheck was never received from m & t bank. I called XXXX XXXX XXXX on friday XX/XX/XXXX. I contacted dollar tree corporate and HR in email XX/XX/XXXX and was replied to. I continuously called dailypay on friday and saturday XX/XX/XXXX and XX/XX/XXXX with correspondence in emails. Daily pay tried to blame XXXX XXXX XXXX XXXX  at the latest of several calls the others of which only said my pay was sent and no information. Dailypay has had no HR department availability either. 
I went to XXXX XXXX XXXX XXXX XX/XX/2020 and they accused that my pay is under another name. 
Attachments area

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: OH

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this 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 explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX. I called CPS at XXXX and dialed extension XXXX to speak with XXXX. I spoke to XXXX about paying 2 monthly payments that were due on XX/XX/XXXX and XX/XX/XXXX, XXXX each payment is {$290.00}. I paid a total of {$580.00} for the XX/XX/XXXX and XX/XX/XXXX payments and XXXX gave me confirmation number XXXX. 
On XX/XX/XXXX, I began to get calls and texts from CPS stating the payment due on XX/XX/XXXX was not paid. I went to their web site and seen on their payment history that XXXX misapplied {$290.00} to fees on XX/XX/XXXX. This was incorrect and I never agreed to pay fees on XX/XX/XXXX, I only agreed to pay 2 monthly payments. XXXX did not mention paying fees. 
Now CPS is saying I owe {$290.00} for XX/XX/XXXX when I paid it on XX/XX/XXXX over the telephone with their rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I have disputed this account with Credit Collection Services multiple times, and I have still received nothing at all from them! Nothing at all! I thought I had the right to request information and dispute accounts on my credit! Isn't that what the FCRA says? Can you help me?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: FL

Complaint narrative:
I.c systems reported collection on my credit reports, on behalf of XXXX which I never had .. XX/XX/2019 Trying to collect {$440.00} Account is not mine I have disputed this collection with ic system over the phone and through the credit bureaus As a fraudulent account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation