vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed a fraudulent inquiry on my credit report on Equifax, which ended up being rejected. Then I submitted another complaint, in which Equifax said they looked into the matter and it was yet again rejected. This was about a fraudulent XXXX XXXX inquiry on XX/XX/XXXX on my credit report. XXXX  XXXX has confirmed that it was in fact fraudulent and they send me a letter confirming that they have reported the fraudulent activity to all 3 credit bureaus. Equifax did not remove the inquiry. I submitted a complaint on the CFPB. on XX/XX/XXXX, Equifax responded that a letter was sent to my address with their response. I have not received the decision to their " investigation '' and would like one as soon as possible. Both XXXX and XXXX  have removed the fraudulent inquiry because XXXX XXXX has informed them. I called Equifax and everyone literally hangs up on me. I don't know what else to do but to go to a small claims court. These complaints are my documentation that I have done my due diligence and have given Equifax ample time to respond to my dispute. I have a letter from XXXX  XXXX that was sent to me attached, indicating that they have investigated the fraudulent inquiry and have informed the credit reporting agencies of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed a fraudulent inquiry on my credit report on Equifax, which ended up being rejected. Then I submitted another complaint, in which Equifax said they looked into the matter and it was yet again rejected. This was about a fraudulent XXXX XXXX inquiry on XX/XX/XXXX on my credit report. XXXX  XXXX has confirmed that it was in fact fraudulent and they send me a letter confirming that they have reported the fraudulent activity to all XXXX credit bureaus. Equifax did not remove the inquiry. I submitted a complaint on the CFPB. on XX/XX/XXXX, Equifax responded that a letter was sent to my address with their response. I have not received the decision to their " investigation '' and would like one as soon as possible. Both XXXX   and XXXX  have removed the fraudulent inquiry because XXXX XXXX has informed them. I called Equifax and everyone literally hangs up on me. I don't know what else to do but to go to a small claims court. These complaints are my documentation that I have done my due diligence and have given Equifax ample time to respond to my dispute. I have a letter from XXXX  XXXX that was sent to me attached, indicating that they have investigated the fraudulent inquiry and have informed the credit reporting agencies of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: OK

Complaint narrative:
CarHop XXXX reporting missed payments and in correct balance on credit report, preventing me ( pigeonholding ) from obtaining a safe vehicle to drive. The vehicle is not safe to drive and Ive made several attempts to repair the vehicle and/or settle account with CarHop XXXX  to no avail. I currently only have {$5000.00} worth of debt and CarHop is claiming {$4000.00} of it which has lowered my credit score into the 400s preventing me from a loan of any sort. I lost employment due to the non-functionality of the vehicle and was told by the manager of CarHop that she always drives with the check engine light on, when I called within my warranty to have vehicle repaired. When I went to get tags and registration for vehicle, I was told that there was a lien on the vehicle due to the previous owner running toll booths. CarHop still refused to take the vehicle back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I was charged by Target XXXX $ for a returned payment fee. Their card policy clearly states that in the state of PA the maximum charge is XXXX . They will not refund any of the funds after multiple calls to their various complaint and dispute departments. They also disconnect calls after hours on hold. They refuse to take any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I requested a COVID -related forbearance and it was granted online. I am now receiving threatening letters saying that " your mortgage is now two months past due, and we have not received a satisfactory response to our previous request for payment or communication regarding the above listed loan. '' They say to call them and no one answers the phone.

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 2020-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
In XX/XX/XXXX, I ran a credit report on myself and saw there was a missed payment on an account I never opened XXXX my wife opened an account with Comenity Capital Bank " Your Tuition Solution '' in XX/XX/XXXX. Up to XX/XX/XXXX, I had never received any statement in the mail or online ( again, I didn't even know the account existed ). I called Comenity Capital Bank and while they could verify me by my social security number, they refused to give me an account number. 

Since XX/XX/XXXX, I have written Comenity Capital Bank on seven separate occasions, per their request, to dispute the error ; to date, they have never responded and have not removed the " late payment ''. 

On XXXX XX/XX/XXXX, I spoke with " XXXX '' at Comenity Capital Bank and she stated there was no way they could provide me an account number. When I informed them I was revoking their automatic debit of my account, XXXX stated that Comenity Capital Bank was not automatically debiting my XXXX Checking Account. I explained to XXXX that I had confirmed with XXXX that there was no " automatic bill payment '' coming from my account. She then changed her story and said it was a handwritten check. I told her that I was looking at an electronic, auto-drafted check ( # XXXX ) from Comenity that was being credited to my Comenity Account ending in XXXX. She then went silent for 2-3 minutes before coming back on the line and restated that there was nothing they could do and there was no way to provide me an account number. Additionally, I informed her that I had not received any paper statements since XXXX XXXX. 

I had no knowledge of this account being set up or how it was being drafted from my bank account. It was only when I conducted a credit check that I found out about the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Fraudulent charges were made on my bank of America credit card. These charges were eventually removed, after contacting the company on several occasions. They are now, however, reporting late payments to my credit report for the period these fraudulent charges remained on my account but unpaid.

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 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
My wife and I have contacted our mortgage loan servicer ( collection agency ) Nationstar Mortgage d/b/a Mr. Cooper by phone on XX/XX/2020. We had spoken with them in XXXX making them aware that all payments to the Chapter XXXX Bankruptcy for me were complete on XX/XX/2020. We were told that as soon as the case was discharged they would get an update in their computer system and the mortgage would be released for full access on the Mr. Cooper website. Currently payments are paid through XXXX at a cost of XXXX per month. We have no way of seeing if our payments are being applied correctly. My wife and I made a final phone call on XX/XX/2020 requesting that they acknowledge my discharge from Chapter XXXX Bankruptcy that occurred on XX/XX/2020. We spoke with XXXX in the bankruptcy department. She said she did not see that the discharge information had come through so she was sending it to research. She said it would take 5-7 days to update the account. The 7 days has passed and the account remains frozen. 
We need government intervention to assist with the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I check into my credit report. It show a closed account with a large debt. First of all is not my account & never apply for creditors. Its damaging my credit. What should do.... I contacted the company but no help because I am not primary authorized person & 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 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANKERS HEALTHCARE GROUP LLC
State: AZ

Complaint narrative:
I had fraud on my accounts, so I ordered a replacement card. This company said they sent me 2 replacement cards in the mail. I never received either of them. I have called and they only want to charge me to ship the card to me a different way. I had to argue with the customer service representative for over 10 minutes on the phone before even getting him to put me on hold to even try to get to a manger the next time I called. Still unsuccessful of getting this company to send me a card a different way. I will no longer pay on my account until this is resolved. My other 2 bank cards had no issues sending their cards out the correct way. And we do not have a street mailbox where I live, we have post office boxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had an account with Bank of America. There was fraudulent activity that occurred in XXXX both with deposits being made into the account and debited from the account. I don't look at my account that often but when I saw what was going on I went to my local bank and explained to the manager what was going on he said that Bank of America put a temporary close on my account. I am XXXX years old and a XXXX in college. My mom was the cosigner in the account because I got the account when I was under XXXX. She has spent hours and days on the phone with representatives from the bank but either got put on hold or got disconnected. Then we got a letter that said the account was closed for no reason. She decided to contact XXXX XXXX XXXX which were given as the reporting agency. In the letter it said that we may not be able to open another account for 5 years. When she got the report it said the account was closed due to check fraud. There was fraud but we are the victims. The Bank never contacted me in person to ask me about my complaint. I don't understand how this could happen to the victim of fraud. My mom was getting a home line of credit to help pay for college and she couldn't open an account at another bank because she cosigned the account years ago. It's not even her account. Please give us some guidance.

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 2020-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
SOURCE XXXX ALERT DATE XX/XX/2020 BALANCE AMOUNT {$3300.00} IS COLLECTION Yes OPEN DATE XX/XX/2020 PAYMENT STATUS Grid Code G ( Collections ) STATUS DATE XX/XX/2020 NAME CREDENCE RESOURCE MANA PHONE BUSINESS TYPE XXXX STREET ADDRESS XXXX XXXX XXXX XXXX XXXX CITY XXXX STATE TX ZIP XXXX This account was from XXXX as a result of identity theft. I already have this removed from XXXX and XXXX, however it is still on my XXXX Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi XXXX has been posting and charging on my Simplicity card last XXXX XXXX charge ever since 2016 bogus charges that I di n't make, these charges have been going on since 2016 I have reported them to Citi XXXX they said that they were going to invetigate these charges but they have not done so and they continue to allow the bogus to go on and my balance has continuosly going up and with all their charges, interest and handling fees and all other bogus fees my balance har risen to enormous proportions in the neighborhood of {$3000.00} dls that I will never be able to payup. 
I would like for you to investigate this and make this bank to stop these charges and credit my account with all those extra charges that they include. 
Also I only have two card on which I owe money to the and I only used them once, but they also clain that I have two Simplicity accounts and on Preffered acount but as I stated bafore I only have one Simplicity account ending in XXXXand a prefered ending in XXXX but they also show that I have another Simplicity card ending in XXXX, again I have not used these card but once to make a purchase and have not used them again since they were issued to me, so please help me solve this problem

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 2020-05-19 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
XX/XX/2019 late payment when payment wasnt late effecting my credit report negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/2019 late payment when payment wasnt late effecting my credit report negatively.

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 2020-05-19 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: SC

Complaint narrative:
XX/XX/2019 late payment when payment wasnt late effecting my credit report negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: SC

Complaint narrative:
XX/XX/2019 late payment when payment wasnt late effecting my credit report negatively.

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 2020-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: ID

Complaint narrative:
AMSHER COLLECTION SERVICES sent me a collection letter 2 years after I ended services with XXXX XXXX. We ended, paid and turned equipment in, prior to moving, into our local office. I have never heard of this debt before, been contacted or nor am I sure if this is even valid? There isn't even a date from when this debt occurred, very suspicious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One credit card company. Failed to report my correct balance in the month of XX/XX/2020. 
The company failed to update my information, and only updated my negative payment instead reporting both positive and negative payment history. 

The company failed to respond to XXXX and XXXX request for the positive information, causing XXXX to remove all 2 of my credit cards completely from my credit report, dropping my score by 14 points, and denying me for a auto loan from different banks. 

This practice is wrong to do this to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I filed an Chapter XXXX and learned for the first time that I owed Santander. I reached out to Santander to learn that the purchase debt from Gateway One Lender that had been paid in full. I explained to Santander that the account was paid in full at Gateway Lender, they did not want to hear that. And states that they would not be removing the claim from my chapter XXXX claim. This claim was filed fraudulent and should have been removed upon request and should have never been sent. My original claim was with CFPB on XX/XX/XXXX claim # XXXX which clearly states that the car was paid in full and I also, have the title to the car. Please refer to the attachment that has been attached. this attachment was from Gateway One Lending. 

Between Gateway One Lending and Santander, you need to take full responsibilty for fradulently reporting a claim that you are not entitle to. As Gateway One was paid in full in XX/XX/XXXX. Why would you be placing a claim in XX/XX/XXXX for XXXX. 

I do not owe you or Gateway One Lending anything as this was paid in XXXX. Please stop reporting fradulent claims.and send a letter stating that you have removed this claim for my chapter XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
ATTEMPTED TO OBTAIN FORBEARANCE/DEFERRAL OF MORTGAGE PAYMENTS UNDER THE CARER ACT. COMPANY FAILED TO REPLY TO 15 EMAILS AND 4 REGISTERED LETTERS TO LOSS MITIGATION DEPARTMENT ... NO REPLY TO PHONE CALLS WITH VOICE MAIL MESSAGES IN CONNECTION WITH MY ISSUE! 
LETTER FROM COMPANY DATED XX/XX/2020 OFFERED FORBEARANCE FOR XXXX, XXXX AND XXXX, BUT I HAD ALREADY PAID MORTGAGE FOR 2 OF THOSE MONTHS .... CALLS TO MORTGAGE COMPANY PRODUCED OFFERS TO CANCEL FORBEARANCE, AT ONCE ... MORTGAGE SERVICE COMPANY DOES NOT REPLY TO EMAILS, LETTERS OR PHONE CALLS WITH THE PURPOSE OF TRIGGERING THE CANCELLATION OF THE OFFER OF FORBEARANCE. MORTGAGE COMPANY IS SHELLPOINT MORTGAGE SERVICING BASED AT XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX ... PLEASE INVESTIGATE THE CARES ACT OPERATIONS OF THIS COMPANY ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had opened and used Chase bank 's " preferred sapphire preferred '' card between XXXX. During that time Purchased products for " XXXX '' for a transaction of {$640.00} on XX/XX/XXXX. Recently I had to return the products to " XXXX '', and had an issued a refund. Here 's the transaction reference ID provided by " XXXX '', it's '' # XXXX '', refund issue date is XX/XX/XXXX, vendor said the chase successfully received the refund. 

Later I called chase customer service, the representative said refund can't be sent if the account isn't active, then later I talked to a credit card specialist, they are saying there's no history of me ever owning a " chase sapphire preferred ''. I was shocked since I have emails of bill alert for this credit card, it's ending in XXXX. I also have XXXX with 4 months of all the transaction history, there's even records of the account displayed as closed on my credit report. 

The full credit card number XXXX. 

My goal of this complaint is to ask chase.com to investigate further, I just want to get the refund that is due to me. Thank you.

Company response to consumer: Closed with explanation