vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 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: TN

Complaint narrative:
Unfortunately Santander is in validation of the Cares Act sect 4201. On XXXX XXXX I notice I santander report my payment 30 days late. Which is in direct validation of the temporary amendment made to the Fair Credit Reporting act prohibiting creditor from reporting past due on account that have been effective by Covid-19.

Amongst its many provisions is an amendment to the Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) that adds Section 1681-s ( 2 ) ( a ) ( 1 ) ( F ) : a temporary reporting requirement for furnishers of credit information concerning consumers affected by COVID-19.

Section 1681s-2 ( a ) ( 1 ) ( F ) provides as follows : ( I ) Accommodation. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the covered period.

( II ) Covered period. The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph [ enacted XX/XX/XXXX ] ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

By definition a Creditor is any person or entity that extends credit with intend to repaid in the future.

Santander is a Creditor who agree to payment arrangements and has now failed to comply with the law.

In addition I have requested a review of my initial loan documents and internal credit score. As I'm a part of the recent lawsuit and have not received any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Received a text message from Synchrony Bank on XX/XX/2021, at XXXX XXXX that stated : PayPal Extras MC courtesy reminder. Make payment. Pay at paypal.com XXXX. Msg rates may apply. Synchrony Bank. To opt out reply STOP Called XXXX on XX/XX/2021, at XXXX XXXX and spoke with XXXX XXXX XXXX ) for roughly eight ( 8 ) minutes who said she would put " something '' into dispute again and she will be sending out paper statement ( s ) for this account which, unbeknownst to myself, is in arrears from the last CFPB complaint ( XXXX ) that was made against Synchrony Bank and NOT RESOLVED. I'd asked XXXX at first if she could email my statement ( s ), she didn't answer then proceeded to confirm my mailing address, albiet she's going to send them. 

I'm signed up for paper statements on my account and without the card attached to the account being registered due to privacy concern ( s ) there is no way and hasn't been a way for me to log into my " PayPal Extras MC '' and see the account. 

That is the status as of this morning, XX/XX/2021, at 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 monetary relief
Consumer complaint received 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or missing disclosures — 
Company: AMALGAMATED TOKEN SERVICES, INC.

Complaint narrative:
complain coinlist because Yesterday morning at XXXX I turned XXXX usdc mi usdye in the coinlist. My money has been withdrawn from Usdc parity but I haven't had money in the USDC department in the past 1.5 days. I have no money in the us department. I'm e-mailing no response. You have no right to suffer like this, i haven't had a response in days, i sent an e-mail, twett, and no one answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: AL

Complaint narrative:
XXXX  and Transunion should not be reporting that I am ( 30 plus ) days late on the XXXX XXXX  partial account number XXXX. XXXX and Transunion should not be reporting that I am ( 60 plus ) days late on the XXXX partial account number XXXX ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

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 2021-03-24 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: LA

Complaint narrative:
Equifax and XXXX  are not investigating the negative account reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of this account and I have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following account as not in dispute, when in fact it is in dispute. The account is XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This item is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix this account however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: Total Card, Inc.
State: OH

Complaint narrative:
Account : XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX # XXXX I have not been late on the account and request Method of verification for late payments. Per the XXXX XXXX and payments made on the account should not have been registered as Late. 

Please correct payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: FL

Complaint narrative:
A review of my disputes indicates no ability to provide your own general statement. 
Add a statement According to the Fair Credit Reporting Act, you may add a statement to a specific item on your credit report that sets forth the nature of your dispute. The statement will remain on your credit report for as long as the item appears on your report and will display to any potential creditors or employers who receive your credit history. You may prefer to simply explain your specific circumstance when you apply for credit or employment.Here is their selection.

To add a statement, select a commonly-requested statement from the list below. You may also contact us by mail to add a statement written by you or submit your statement electronically at experian.com/upload.

Delinquency due to natural or declared disaster.

Delinquency due to extended unemployment.

Delinquency due to job layoff.

Delinquency due to divorce proceedings.

Bankruptcy due to medical bills.

I suffered bankruptcy due to business while I was self-employed.

Bankruptcy due to business failure.

Debtor has successfully completed a voluntary repayment plan of outstanding debts submitted by client and administered by XXXX XXXX XXXX XXXX of ... 
As example they allow a general statement to be made BUT only of their choosing! " Add a statement Opinion where is the consumers chice to add?

According to the Fair Credit Reporting Act, you may add a statement to a specific item on your credit report that sets forth the nature of your dispute. The statement will remain on self explanatory their selection or none!

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 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo- I sent {$500.00} via XXXX to someone for a puppy purchase on XX/XX/2020 and discovered I have been scammed. Sent them proof I was scammed and was told they are not responsible and could not help me. I filed a complaint with XXXX to discover this company is a whole scam.I advised XXXX and Wells Fargo if this also. No response I also reached out to XXXX about the gift card being scammed no help

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 2021-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
XX/XX/2021 they spoofed the number to where it made it look like it was from a legitimate company from where I live. I know this because the number they called from did not match the number they left on the voice-mail the number left on the voice-mail was XXXX 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 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Earlier in XXXX ( XX/XX/2021 ), my friend had his phone stolen. From that stolen phone, a scammer asked me for some money. At the time I thought it was my friend because I did not know the phone was stolen. I transferred the money to the number via " XXXX XXXX  ''. 

Maybe an hour later, I learned that my friend had his phone stolen and a scammer was contacting me. I contacted XXXX and they told me to contact chase because the money had gone from my debit card through XXXX  cash. I opened a claim with Chase and I was refunded temporary credit. However today ( XX/XX/2021 ) I learned that Chase had researched and found that the transaction was authorized and was not going to pursue the claim. The temporary credit was going to be removed from my account. 

I called Chase again today and they said since it went through a 3rd party, they were not responsible for scams and couldn't do anything and would be removing the credits from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Account : XXXX XXXX XXXX/XXXX XXXX XXXXXXXX  # XXXX I have not been late on the account and request Method of verification for late payments. Per the Care Act and payments made on the account should not have been registered as Late. 

Please correct payment history.

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 2021-03-24 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: OH

Complaint narrative:
Account : XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX  # XXXX I have not been late on the account and request Method of verification for late payments. Per the Care Act and payments made on the account should not have been registered as Late. 

Please correct payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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:
Account : XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX  # XXXX I have not been late on the account and request Method of verification for late payments. Per the Care Act and payments made on the account should not have been registered as Late. 

Please correct payment history.

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 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI

Complaint narrative:
I am XXXX  XXXX  and the pandemic has affected my income. In early XXXX, I reached out to my mortgage company, Rushmore Loan management, and they agreed to give me a loan forbearance. The agents I spoke with told me they had many options during this trying time for lenders to work things out with them. When the forbearance period was up, I resumed making payments. I was not able to get the mortgage completely caught up. One of the options explained to me by their agent was a payment installment plan, whereby I would pay a little more each month to get caught up. I was instructed to complete hardship paperwork for their loss mitigation department. I completed the paperwork, and sent in all the documents they had asked for. This was in XXXX of XXXX. This paperwork, and getting all the documents together, took many hours to complete. For months afterward, I would call several times a month to get an update on a plan from the loss mitigation team. All I ever heard from them was we received everything, someone will call you next week. I never heard anything from them until last week, when I received a letter from an attorney who represents them, who is filing a motion to start a foreclosure. I called Rushmore, and was told that in XX/XX/XXXX, they had sent a letter to me asking for new or additional documents. They straight out admitted to me they sent it to the wrong address, and received a mail return from the post office. Because they did not get the documents, they cancelled or denied my request for assistance. I asked the agent why they didnt call me or email me when they found out they had the wrong address? Isnt that the whole purpose of mail return? It was an address I had not provided them with, and not even close to my correct mailing address, or the address of my lawyer. The agent said they would resend the loss mitigation paperwork, however, it now appears they trying to move forward with foreclosing on my property because of their own mistake. It is extremely frustrating, as I had done everything they had asked for. Im not sure how a large company like Rushmore could just accidently put the wrong address on my file, and it seems like a sneaky move to start a foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a payment to my account that did not reflect on my credit. I called the credit card company ( Citi Bank ) and they told me my bank has not processed they payment. I contacted the bank and they said they did process it. In order to expedite to the situation and have access to my funds to make a medical payment I decided to make a manual payment via debit card. Once I made the payment my account was closed and I was told my bank put a stop payment on my account which I was not aware of. Now I am in debt of the account that is now closed, this account is also a secured 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
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: NY

Complaint narrative:
this agencie are just hurting my files score and each month they flag me make my score go low eeach month or days. i try to fix this isue i dont know how they have access to personal files. and hurt ppl score. but they cant fix payments with companies. someone need to do something about I.C. SYSTEM, INC has flagged your account as Collections on XX/XX/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 2021-03-24 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: AES/PHEAA
State: KS

Complaint narrative:
There is a loan that was disbursed XXXX in the amount of XXXX with the U.S Department of Education. Inaccurate information is reported on my credit report with XXXX, XXXX  and XXXX  that I had late payments on this account. It is reporting thatIt was delinquent XX/XX/2015, XX/XX/2015, XX/XX/2015 This is incorrect information I have never been late or had negative history on any account. This account was in forbearance during this time, all paper work was submitted and was on forbearance meaning no payments for due. I have already reached out to both the credit Fed loan they denied the corrections to my credit report and the credit bureaus. This negative history on my credit report is affecting my credit score and my ability to obtain a mortgage. I want this inadequate information to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have 6 hard inquiries that i have no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: TN

Complaint narrative:
Unfortunately XXXX is in validation of the Cares Act sect 4201. On XXXX XXXX I notice I santander report my payment 30 days late. Which is in direct validation of the temporary amendment made to the Fair Credit Reporting act prohibiting creditor from reporting past due on account that have been effective by Covid-19. 

Amongst its many provisions is an amendment to the Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) that adds Section 1681-s ( 2 ) ( a ) ( 1 ) ( F ) : a temporary reporting requirement for furnishers of credit information concerning consumers affected by COVID-19.

Section 1681s-2 ( a ) ( 1 ) ( F ) provides as follows : ( I ) Accommodation. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX ( COVID-19 ) pandemic during the covered period. 

( II ) Covered period. The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph [ enacted XX/XX/XXXX ] ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. XXXX et seq. ) terminates. 

By definition a Creditor is any person or entity that extends credit with intend to repaid in the future. 

XXXX is a Creditor who agree to payment arrangements and has now failed to comply with the law. 

In addition I have requested a review of my initial loan documents and internal credit score. As I'm a part of the recent lawsuit and have not received any information.

Company response to consumer: Closed with explanation