vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-11 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: NC

Complaint narrative:
I have disputed the same companies on my credit report over 3 times. I still to date have not received written proof of the dept. I have sent multiple letters since 2019 and still got no resolution. i have sent court documents and still its on my 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 2021-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NV

Complaint narrative:
Breach of Contract, Failure to preform and uphold the terms of my mortgage. 
When the mortgage was initially setup in XXXX with XXXX XXXX XXXX XXXX there was an agreed upon clause made between myself and XXXX XXXX XXXX XXXX XXXX Branch Manager/loan officer. 
This agreement stated that there were 3 different parcels involved and that there would be milestone steps taken and parcels released and deeded to me free and clear upon reaching these different steps. I have reached and surpassed the first milestone by several thousand dollars. 
Fay Servicing LLC has not complied with this agreement. And refuses to even acknowledge it exists. 
I have attempted to speak to someone or in fact anyone that had the ability to even acknowledge this existing document. I have asked numerous times to speak to Fay Legal Division only to be informed that customer service reps will handle it. I have ask to speak to anyone that is in a supervisory position to try and sort this out. 
I have spoken to untold number of customer service reps. Most are having trouble understanding what day it is. 
Finally in XX/XX/XXXX I spoke to XXXX XXXX customer service rep about this problem. He gave me his direct telephone number as well as his E-mail. 
A copy of the original agreement was forwarded to him by E-mail. I received a return E-mail from him that he had received it and would forward it to the proper people. And that he would have some type of response in three days. 
It is now XX/XX/XXXX and still no response. And again, many many calls to Fay and no one that can read or understand what the original agreement says. 
My patience has evaporated dealing with Fay and their nonsense. 
I have attached with this statement several items related to this problem : Original Agreement between myself and XXXX XXXX XXXX XXXX 2pages E-mail received from XXXX XXXX Fays customer service rep. 
Fays Loan Details showing Original Loan Amount XX/XX/XXXX Fays Mortgage Statement XX/XX/XXXX showing loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One bank failed it's due dilligence with a checking account I forgot I had. In a process what is called " escheating '' banks are required to turn over funds from the inactive account and close the account after 5 years. I'm enclosing proof that I had an old XXXX checking account from XX/XX/XXXX to XX/XX/XXXX. This is longer than the 5 year period detailed under Florida Statute 717.106. To make matters worse, Capital One kept this account active for over 5 years WITH ONLY A SINGLE CENT IN THE ACCOUNT. Yes, there was only XXXX cent in the account. When I realized this, I closed the account. Capital One failed to act, and as a result they are saying that I'm not entitled to a New Account XXXX XXXX  ( See CFPB complaint XXXX ) because I had this previous account that I was unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
My account shows student loans that have not been paid on and they are currently on a freeze. But if you look at account it looks like I am avoiding making payments which I believe is impacting my credit score and should be fixed. I also have a derogatory remark which is high impact that should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Date XXXX i was notified by XXXX XXXX that this account was considered a " Charge Off '' I looked into this, and i have no idea what this account is or why it is associated with me. 
I was never once notified that there was an account open or a balance due, and now I am finding out there is a charge off which is negatively impacting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I had to use my card make a large purchase as I could not goop into the bank to get a wider. I made the down payment in XXXX of 10k and called to let them know what I was doing and there would be more. I made the rest of the payments in XXXX and XXXX and I would immediately pat it off. In XXXX I accidently paid the payment twice of 19k. I called them and let then know what had happened. The customer service agent had said that everything would be fine.The next day they closed my account and 4 other Synchrony accounts with no notice. I found out when I went to use the card. 

When I called them they could not give me a reason just that they could close them at any time. The first two agents were terribly rude taking to me like I was a criminal. I asked why they had not contacted me. They said I would receive a letter. I had been a customer for 15 years and paid my account in full every month. I did speak to a supervisor who says he would appeal it. 

We received the letter in the mail and it said they had been closed with the reason : activity on accounts with Synchrony bank indicative of high risk of failure to pay. Which I had over paid from the account I always paid from. This was dated XX/XX/XXXX. I received another letter dated XX/XX/XXXX stating they were closed due to the high number of accounts we have with Synchrony. Which I have had the same number of accounts with them for several years. 

Their action caused my credit to drop from XXXX to XXXX XXXX appox ). I have worked my entire life to have good credit and now I am almost ready to retire and they destroy my credit. They should not be able to have this kind of power. I have read reviews that say Synchrony discriminates towards seniors and maybe that is the reason.

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 2021-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We received an email to our business from Chase Bank on XX/XX/2021 at XXXX notifying us that " we can not use your account ( s ), and we will close it soon ''. The email instructed us to read a letter in our Chase account under " Statements and documents ''. By the time we received the email on XX/XX/2021 at XXXX, our account was locked and we were never able to read the letter. As of XX/XX/2021, we have not received anything in the mail either. 

We have been calling the local branch to understand what happened and to withdraw our {$32000.00}. The branch manager has no information to share. We called the loss prevention department and spoke to a XXXX ( Supervisor ) who informed us that Chase can terminate the banking relationship at any time and for no reason. The supervisor further stated that Chase also had the right to withhold our money and therefore our money would not be returned to us. She offered the solution of us contacting our customers to see if their banks would be willing to draw back their deposits and the customer reissue the payment. This is not a viable nor acceptable option. 

Chase has been illegally holding our businesses money for six days not without any resolve. This has severly impacted our business and we are not able to pay our vendor invoices because they refuse to return our money. 

We have been Chase bank patrons with several business bank accounts all of which are in good standing. When we opened our business checking and savings accounts with Chase, we in good faith deposited our money with the understanding that it would be in safe keeping. WE DEPOSITED MONEY FOR CHASE TO LEND ON AND NOT TO STEAL OUR HARD EARNED MONEY FROM OUR SMALL BUSINESS. 

A simple XXXX  search will show you that this is a common practice for Chase Bank and their customers need to be made aware of such bad business practices. 

We need help in getting Chase to return our money and NOT ILLEGALLY HOLD IT FROM US. 

Thank you in advance for your help. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting INACCURATE / negative information on my credit report ; they're reporting that I have 2 collections, from XXXX XXXX XXXX. I've been disputing with Experian since XX/XX/2021! I sent dispute letter to Experian, Certified mail with return receipt, which was signed for upon delivery. Experian has refused to investigate and remove this inaccurate information. 

I can not obtain credit due to this inaccurate reporting.

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 2021-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
I am working now and need to apply for a loan modification. I just want to modify my loan, improve my credit, remove all the fees, and start making payments again with fees removed and late payments applied to the back of the loan. I am making $ XXXX so I can afford to make the payments again. 

This all started when my loan got transferred from XXXX XXXX XXXXo XXXX XXXX XXXX and snowballed ever since. Now it's with Specialized Loan Servicing in foreclosed status. 

History Company Dates XXXX XXXX  XXXX Mortgage XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX ( Never Honored XXXX XXXX  Forbearance Modification - Applied multiple times with no luck. Got further and further behind ) Specialized Loan Servicing XX/XX/XXXX - Present ( Never Honored any Forbearance Modification - Applied multiple times with no luck. Got further and further behind ) In addition, SLS  has broken many debt collection practices. A copy of the voicemail is attached below. 
XXXX at 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 2021-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX  needs to update my credit report for XX/XX/2021. It shows on my credit reports Ive utilized 129 %. As of XX/XX/2021, my secured card shows a 3 % card usage. Im in the process of buying a house.Therefore, I need all 3 credit reports and credit scores to report accurately and on time each month. XXXX XXXX  dont ever do 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 2021-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX  needs to update my credit report for XX/XX/2021. It shows on my credit reports Ive utilized 129 %. As of XX/XX/2021, my secured card shows a 3 % card usage. Im in the process of buying a house.Therefore, I need all 3 credit reports and credit scores to report accurately and on time each month. XXXXXXXX XXXX  dont ever do this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX  needs to update my credit report for XX/XX/2021. It shows on my credit reports Ive utilized 129 %. As of XX/XX/2021, my secured card shows a 3 % card usage. Im in the process of buying a house.Therefore, I need all 3 credit reports and credit scores to report accurately and on time each month. XXXXXXXX XXXX  dont ever do 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 2021-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I had received a settlement from a civil rights lawsuit in XX/XX/XXXX and I had a high-yield savings account from american express dated back to XXXX, upon receiving my settlement after being deposited into my XXXX XXXX XXXX  checking account I transfered {$100.00} into my high-yield savings with american express. American express fraud department closed my account and never sent me a check for the remaining balance of {$100.00} I tried to contact them via phone regarding this matter but I only got harassed and was told that I had to speak with the fraud department still no answer to where is my remaining balance. XXXX XXXX XXXX and American Express Savings Account is illigally withholding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I used to have phone services with XXXX XXXX when I lived in XXXX XXXX. I move to XXXX in XXXX and had disconnected the service. The phones was traded in with XXXX  which, according to XXXX  paid the total of {$1800.00} to XXXX for switching carrier. XXXX contacted me multiple times in XXXX and reported the matter to the credit reporting agencies. I did file a complaint with the XXXX XXXX XXXX. I sent them a statement from XXXX that the phones were paid off. The matter was settled and the collection notice was removed from my credit report. 

On XX/XX/XXXX, I received a call from Jefferson Capital System, located XXXX XXXX. XXXX  MN and they indicated that they were a debt collector. I told them that the debt was invalid. On XX/XX/XXXX, I received an alert of a COLLECTION by Jefferson Capital System - XXXX XXXX XXXX XXXX, XXXX XXXX  MN XXXX on my credit report in the amount of {$1800.00}. This is a FRAUD as they are pressuring me to pay {$1800.00} which I do not owe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I opened a savings account on XX/XX/2021. I transferred {$600.00} from my XXXX XXXX XXXX  XXXX XXXX  account to my new Citibank account. When the money posted into the Citibank account, two days later they blocked my account and accused me of fraud and blocked all my funds. I was not able to access my money. I called Citibank 21 times XXXX totaling almost 6 hours XXXX to resolve the issue with them to no avail. Some of the calls were disconnected by the Citibank staff and they did not give me any answers. They told me that they are closing my account and are sending the {$600.00} back. I asked them why they closed my account and accused me of fraud but no answers were given. They later told me that they were sending me my {$600.00} and it would take anywhere from 30-60 days and now it is over 60 days and still I haven't received my check. They have no physical branch near my location. The closest branch is about 5-6 hours away and that is why i couldn't go resolve this with them in person.

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 2021-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX, Equifax, and XXXX  furnished my consumer report without my consent and infringed on my right to privacy with two accounts on my consumer report XXXX XXXX XXXX XXXX XXXX for {$25000.00} and XXXX XXXX XXXX XXXX for {$100.00}, violating 15 USC . 1681 ( 4 ), 15 USC. 1681b ( a ) ( 2 ) ( B ), and 15 USC. 1602 ( l ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX, XXXX, and Experian furnished my consumer report without my consent and infringed on my right to privacy with two accounts on my consumer report XXXX XXXX XXXX XXXX XXXX for {$25000.00} and XXXX XXXX XXXX XXXX  for {$100.00}, violating 15 USC . 1681 ( 4 ), 15 USC. 1681b ( a ) ( 2 ) ( B ), and 15 USC. 1602 ( l ).

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 2021-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mountain Run Solutions, LLC
State: GA

Complaint narrative:
The following companies have falsely reported debts owed to them on my credit : -MOUNTAINRUNSO ACCT # XXXX -XXXX ACCT # XXXX -XXXX ACCT # XXXX XXXX XXXX # XXXX -US DEPT ED ACCT # XXXX -DPT ED/XXXX ACCT XXXX XXXX -XXXX XXXX  ACCT # XXXX I have never signed a contract with any of the above listed companies.

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 2021-04-11 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
This is a closed account that Has been closed since XX/XX/XXXX. XXXX XXXX. XXXX was a co card holder on this account, and XXXX XXXX XXXX was the primary account holder. 

As of today XX/XX/XXXX, Sams club synchrony bank reported the month of XXXX as NA which is not legal and following the fair credit reporting act. Payments are made on time even though this is a closed account. 

This needs to be reported as paid. 

Attached are screen shots of XXXX XXXX XXXX, experian report showing this unlawful NA under samsclub synchrony bank. 

Also attached is payment history showing on time payments. 

We object to this NA as its required to say paid We, XXXX XXXX XXXX and XXXX XXXX XXXX, reserve all rights. This complaint does no require any phone calls as this account is closed with a current balance and paid as agreed. This is a credit reporting issue. 

By law they are required to say paid for all months for on time payments ... until balance is paid in full. This is a unlawful reporting by samsclub synchrony bank

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 2021-04-11 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$390.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$5200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2017 with a balance of {$390.00} -This is not my account. 


-- XXXX ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$25000.00} -This is not my account.

Company response to consumer: Closed with explanation