vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Suntrust Bank reported a {$12.00} charge to the credit bureau that was from a fee they charge for having their credit card. I was unaware of the charge. I had XXXX Removal XXXX in late XXXX and did not log into my online account for XXXX. I had a XXXX balance on my credit card. In Early XXXX I saw the charge on my account and paid it immediately. 

Upon applying for home mortgage it was brought to my attention. I went to Suntrust Bank and met with the Manager at their XXXX XXXX Branch in XXXX Fl. He agreed that it should not have been reported and while I was with him her personally wrote a letter of dispute to the credit department of Suntrust. 

I received a letter from the credit department that it was being reviewed but have heard nothing back. 

I am formally requesting that this charge be removed from my report. It is hurting my credit and barring me from applying for a home mortgage. 

I would appreciate the help cfpd. 
Thank you XXXX 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 2019-10-07 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: EQUIFAX, INC.
State: DC

Complaint narrative:
Confirmation : XXXX XX/XX/2019 Greetings, I am asking that Equifax reinvestigate a Public Record displayed on my credit report. I have sent them numerous letters from the reporting company as they require, XXXX who the third- party vender who reported this bankruptcy Case or ID # XXXX to Equifax See : Letter Enclosed. Please verify this letter. And Removed the bankruptcy from my report. Also, the Maryland Federal Bankrupt Court do not report Bankruptcy Cases to Equifax or another credit bureau about a consumer filed. See : Letter Enclosed. This letter shows that you did not verified or validating Maryland Federal Bankrupt Court reporting this bankruptcy case to Equifax, so they lied. As Equifax has this written on my credit report. I have been working with my creditors to make a wrong a right and Equifax you need to do the same thing. Make this right by verify these reporting letters from their agency. And removed the public record bankruptcy from my credit report. Equifax has both letters of information from reporting companies but refused to remove the bankruptcy from public record on my credit file. As of today, XXXX and XXXX have removed this bankruptcy from my credit files and Equifax needs to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: NY

Complaint narrative:
This company with my identity theft report for fraud refuses to delete fraudulent information they say they cant dispute inquiries this is ridiculous when Im the last with my police report they would send me a letter of deletion and now they give me a hard time and refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: NY

Complaint narrative:
This company with my identity theft report for fraud refuses to delete fraudulent information they say they cant dispute inquiries this is ridiculous when Im the last with my police report they would send me a letter of deletion and now they give me a hard time and refuse

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 2019-10-07 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: NY

Complaint narrative:
I hate you experin your not fair with me you have my police report and you block any fraudulent information recently when I called you told me we ni linger do this this is horrible how can you say this to me

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 2019-10-07 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 — Problem with personal statement of dispute
Company: SLM CORPORATION
State: FL

Complaint narrative:
I have been contacting them since XXXX of 2019. Still unable to show me any proof of consent. Im unable to continue my studies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FLAGSHIP CREDIT ACCE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NELNET has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: NY

Complaint narrative:
Im a victim of identity theft and this company gives me. Hard time to dispute inquiries they claim they dont and their un disputable their crazy when in the past they would have them deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
They refuse to process any of my applications either secured or not secures I want to build a relationship with them but they wont allow me send me XXXX   letters saying that I was a bad customer when I call them they wont tell me how long I have to wait its like they think Im a fraud they treat me horrible and its just horrible they recommended I apply for a secured cars with my own money so then Im Not a high risk because their not lending me anything but they decline me for that as well I dont know what else to do with this bank their so discriminating even though I never had any accounts with them Thisbe bank must be investigated I wont stop until they seek resolution because its nit fair how they behave with me their fraud department is awful their is a rude guy their 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 2019-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
We were with Ocwen financial they were being sued by the government for faulty mortgage loans they sold our loan 2 PHH and at the time we had a modification approved with Ocwen when the loan was transferred to the new mortgage company we kept getting letters that there was no modification in place, and therefore we needed to take care of our loan by doing a modification application or other options we tried contacting this new company to get a modification package and at the same time we were out of work we never got the modification PKG. We never could get the option to modify the loan then we receive a letter stating that we hadn't paid the modification therefore we were in pre-foreclosure. When we received the letter regarding to foreclosure we did send notification that we disagreed with information and this was done before they even set up the sell date. We never received any other documents we were looking online at our address and it showed there was a auction date we knew nothing about this. We contacted the mortgage company and they told us that they were planning on sending out a letter giving us the auction date however we never received even anything by the sheriff 's office regarding to any sell date. This mortgage company for what we are seeing is also being sued by the government at this moment for faulty loans also. We should buy legal means should have received a letter before now possibly with a pre-foreclosure meeting at the courthouse or even giving us more time then three weeks due to the fact that we did file complaint with the company letting them know that we did disagree with the decision it did state in their formation that as long as we filed this complaint within 30 days of the information that that would halt it and we did we have proof of that and still they set up a foreclosure date without our knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: FL

Complaint narrative:
On XXXX XXXX. I received a credit monitoring for a inquiry on my credit with Experian from a company I NEVER heard of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX for an installment loan. This was on a Sunday. I called them Monday morning and the rep. pretended he could not locate my name in their system. I informed him I had the printout from Experian showing it was their company & to remove the inquiry. The 1st rep hung up on me, the 2nd rep did nothing. I NEVER applied for an installment loan. I kept asking them where did they get my information from, no response. My credit file was obtained illegally by this company.

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 2019-10-07 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: Innovis
State: NY

Complaint narrative:
They refuse to fix their XXXX system its bevause of these people I cant get verified when applying for a store credit card when I call them they cant even send me a passcode to my cellphone and its my number which their system cant verify when I called them they said to me we will Work. With it and see if this can be resolved horrible company they must be shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank froze my account illegally and returned all items I had out against the funds in account when they decided to " no longer do business with me ''. Chase Bank replied to my previous complaints and stated that they did not freeze my account. I am resubmitting my complaint with evidence and proof that they did in fact freeze my account illegally, and refuse to honor and pay items that I had performed in good faith with funds in the account. I find it very interesting that Chase Bank responded to your complaints and said they " did not freeze my account ''. That's not what they told my credit union, my mortgage company, my stock brokers, and my creditors. Evidence attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2019, I placed an order of 2 bottles of vitamins supplements ( 30 day supply. This was a trial. Three days later, On XX/XX/2019, the companies XXXX and XXXX charged my account in the amounts of XXXX and {$85.00} each. I tried disputing it with Chase and the companies directly but they claimed I had to cancelled within 15 days. I did not but they charged me full price for the vitamins 3 days after I ordered them. They did not give me the opportunity to cancel rather they took the money off my bank account. I demand a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I leased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX with account number XXXX with VIN # : XXXX with a maturity date of XX/XX/XXXX. At maturity, I took the vehicle to XXXX XXXX XXXX for final Inspection on XX/XX/XXXX at which time I was given the attached Final Inspection Report stating I owe {$960.00} as my Grand Total. Vehicle was inspected, dropped off and I left. When I called BMW USA to make the payment a week later, they claimed that the amount I owe is {$3900.00} for reasons I'm yet to understand despite calling repeatedly for several months. BMW USA then preceded to send this fraudulent claim to collection and have since damaged my credit severely. Attached are the Final Inspection Report and collection letter from XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/2019 I sent {$300.00} to a user on venmo and his username was XXXX. We had agreed he would drop off my item at the post office that day and he would give me the tracking number. He did not do so and by now transferred my money to his account and deleted his venmo account. He scammed me. And I contacted venmo support and they said they can't do anything without his authorization and I should try and reach him but he deleted his account. I really want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-07 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I recently travel to XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX. My credit card was stolen. I called in to TD Bank customer service department indicating that my card was out of my procession. A charge that I did not authorized shown up on my account - XXXX XXXX XXXX XXXX XXXX for {$460.00}. 
I noticed that two adjustments were made to my account. First adjustment was for a credit in the amount of {$460.00} and another for a debit in the amount of {$460.00}. 
These adjustments do not correct unauthorized purchased against my account. 
I requesting that TD Bank honor its commitment to its customers regarding fraud protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i made an online purchase from XXXX, XXXX BLUE BAG {$1900.00}. I never recieved the item. I called XXXX and they insist that it was delievered by XXXX. I did not recieve anything. I was at work at the time that XXXX website says it was delievered and signed for by XXXX. XXXX would not open up a dispute or investigation for the matter. When tried to view the signature on the XXXX website for proof of delivery, it would not show me anything. When I asked XXXX to show me proof, all they said was not possible sir. Ok, so i contacted Chase Credit Card services, explained the situation and filed a dispute. Chase gave me a temporary credit for the charges. Couple weeks later, chase re-charges me the full amount and sends me a letter saying that XXXX provided following documents that proves you recieved the item. Chase closed the case and recharged me. Chase sent me a document that was sent by XXXX. It is the purchase order along with a screenshot from XXXX. XXXX provided what they consider " proof '' of delivery. It shows a signature box and that is all. In the signature box it says XXXX all over it and a thick dark circle line. XXXX claims it is signed for by XXXX. There is no other documentation or record of this individual. In the signature box it does not say XXXX and you can not make out what it says. It has XXXX written all over the signture section, does that mean that the FedEx courier signed it? Also, it says " Indirect Signature Required '' on the XXXX section which means that someone else outside my residence can sign but why?? Why would XXXX allow anyone else to sign?? There is no doorman or mailroom in my building. ALSO, on the XXXX XXXX purchase or it says " Delivery Signature Required ''. So XXXX did not recieve a DELIVERY SIGNATURE as they indicated a " Indirect Signature ''. I have attached the document sent by XXXX. Also, when i called chase to ask how in the world did they side with XXXX, all they said was i had to write this in a letter and send it back. I did that and Chase denied by request to investigate further. Just doesnt make sense, there is no individual called XXXX, the signature does NOT say XXXX, there is no record if an ID was taken, and the delivery requirements differ from the merchant XXXX & XXXX. As XXXX requested a " Delivery Signature '' & XXXX showing " Indirect Signature ''. If an indirect signature is recived than that means the item was never actually delivered to the intended. Please help me, how am i to pay for a {$1900.00} charge and have no product??!? thats insane!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
I applied for a loan mortgage modification. I was approved. The mortgage is requesting a down payment. When I questioned the request for a down payment the mortgage company increased the required monthly payments. the monthly payment is unreasonable.As senior citizen, and want to stay in my home I feel the mortgage company practices are unlawful. The deceptive practices are not in the spirit of helping families stay in their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: FL

Complaint narrative:
Stay away from any kind of credit card with Synchrony. I was in the hospital, lost my job, and was unable to pay a couple of credit cards for a couple of months. When I was back on my feet again, all the other companies I dealt with helped me to get my accounts up to date, and I was within a couple of months. All Synchrony ever wanted was complete payment of any past due account, with all kinds of interest and late fees. When I finally got fed up with trying to deal with them, I just took their out, turned the accounts basically into a loan, and then closed the two accounts. The fun started weeks later when FOUR other cards I had with them, accounts that were NEVER late -- 3 of them didn't even have a balance -- were suddenly closed! No reason given, just closed! And up until all this started happening, I had MORE THAN TEN YEARS of use of their accounts with no late payments or any other problems. And their response -- " It's our right to close these accounts. '' I will NEVER do business with Synchrony again, as long as I live. Terrible, TERRIBLE company!!!

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