vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have sent disputes for the past 8 months to all XXXX bureaus and no replies have been sent back to me or reports. they never answer e. According the the FCRA they have 30 days to answer dispute and no they havent. I have copies of all the letters and will send some .if you want all let me know

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 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
I paid off my loan with Newrez on XX/XX/XXXX. However this company did not credit the payoff amount to my account. I continue to receive monthly bills for XXXX and XX/XX/XXXX. When I called company, I was advised to pay the bills until the problem was resolved. Therefore I paid {$890.00} for XXXX and same amount for XX/XX/XXXX. 

After I called and email Newrez several times, I received an email on XX/XX/XXXX said they closed the loan. On XX/XX/XXXX I received a refund check of {$1700.00}. 

Since I paid off the loan on XX/XX/XXXX, I should have at least receive {$1700.00} ( XXXX ) as a refund plus the interest they owe me for holding up my money. 

The whole process has wasted a lot of my time and I have to come up extra money to pay the loan. This company has never apologized for their mistake at the first place then try to short change me for the refund.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: CT

Complaint narrative:
My federal student loan servicer, Fedloan Servicing, is engaging in fraudulent and irresponsible behavior in handling my account and in their service with regard to my Stafford Federal Student Loans, which was taken out during XXXX school. I have been diligent in repaying my outstanding loan balances starting in residency, and have continued to repay the balances during the COVID pandemic. I have paid off all outstanding interest and down to a principal balance of XXXX in that exact dollar amount. However, in XXXX, XXXX, without any notification or explanation, my balance was mysteriously revised upward from XXXX to XXXX while the entire country 's federal student loans were on hold. There has been no documentation or explanation on the service portal/online to explain the reason for the balance change. I contacted Fedloan Servicing by phone on XX/XX/XXXX and was on hold for 1 hr and 45 minutes, spoke with representatives ID # XXXX and ID # XXXX. I was informed this is a correction sent by the Board of Education for interest not charged by XXXX XXXX, my previous servicer from XXXX to XXXX. No explanation of the charges was provided, no timeline of when they should have been charged or an itemized bill was provided. Absolutely no notification was provided by FedLoan or XXXX XXXX, and according to their agents, aside from a total charge, no other information is available. Neither party has taken responsibility for their accounting error, or provided any documentation to support these charges beyond passing on these mysterious charges to me. I have lodged a complaint with their financial board and I am reporting this as fraudulent activity and accounting error that is now being passed on to me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11 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: CT

Complaint narrative:
I have repeatedly disputed these negative items on my report they are still appearing with on my report the credit bureaus have failed to give me proper proof of how theses accounts are mines. the information is misleading and false which is a consumer law violation 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section these items have been disputed well over a MONTH AGO WITH NOTICE WITH NO REPLY WITH NO ANSWER

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 2021-08-11 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I have repeatedly disputed these negative items on my report they are still appearing with on my report the credit bureaus have failed to give me proper proof of how theses accounts are mines. the information is misleading and false which is a consumer law violation 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section these items have been disputed well over a MONTH AGO WITH NOTICE WITH NO REPLY WITH NO ANSWER

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Someone is attempting to open accounts in my name which is fraud. Please delete these inquires from my credit report because they are not being done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Social Finance, Inc.
State: FL

Complaint narrative:
Mortgage was paid off on XX/XX/2021 which resulted in an overpayment with an accrued escrow balance. Lender has failed to process refund of overpayment and has refused to advise when the payment will be processed and issued. 

I have attempted to resolve this issue multiple times and concerned they are withholding funds that should be refunded. They have thousands of dollars in funds that were part of escrow and overpayment that they have not released. The communication with them has resulted in no clear answer or expectations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TX

Complaint narrative:
this message is regarding CHASE BANK Date of Inquiry : XX/XX/2021 Claim Number : XXXX Card ending in : XXXX Claim related to Account ending in : XXXX Banks are not supposed to hold their clients liable for fraud. I am submitting this report to the consumer financial protection bureau because Chase bank refused to protect my account from fraud. After recently opening a checking account with them, my debit card was used for a series of transactions without my knowledge or permission. I notified them on XX/XX/XXXX and they opened a claim. They closed the disputes and charged me back for the provisional credit of the claim, stating that I was responsible for the charges even though nothing was received by me, nothing delivered directly to my hands, and the charges are fraudulent. 

Banks are not supposed to hold their clients liable for fraud. They told me there was nothing I could do. I filed a police report and contacted the merchants to let them know the cardholder ( me ) did not authorize the charges, with no success. I am hoping that the consumer finance bureau can contact Chase in regard to the following claim number and ask them to reopen the claim and return the money that was stolen from my account by fraudulence. A woman named 'XXXX XXXX from their claims department ( XX/XX/XXXX around XXXX central time ) told me there was nothing they could do, after asking to speak to a manager repeatedly she told me that a manager would not change the outcome of the claim. The line was recorded and I hope the conversation is able to be submitted for review. 

Date of Inquiry : XX/XX/2021 Claim Number : XXXX Card ending in : XXXX Claim related to Account ending in : XXXX Date of Inquiry : XX/XX/2021 Claim Number : XXXX Card ending in : XXXX Claim related to Account ending in : XXXX attached is the print out page from the USPS for the package which was not delivered to my hands. I never received any merchandise from this retailer and implore you to help me get these disputes resolved with my funds safely returned to my bank account. 

Date of Inquiry : XX/XX/2021 Claim Number : XXXX Card ending in : XXXX XXXX related to Account ending in : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Someone is attempting to open accounts in my name which is fraud. Please delete these inquries from my credit report because they are not being done by 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 2021-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
My names is XXXX XXXX I had Brought a vehicle from XXXX XXXX in XXXX Florida in the year of XXXX and nobody had told me that the automobile was impounded two days in XXXX before, I even purchased it and it has all kind of issue two days after I brought it and I brought it to their attention they told me that they had no record of the vehicle and they will not fix the issue on the car. they told me " a oil change is the best they can do for me '' keep in mind that they're charge me for a three years warranty on it. so I had to voluntarily serenader the car to the bank which is ( ALLY financial ) .They pick up the vehicle on XX/XX/XXXX and sold it and packet the money and now I'm stock with a {$15000.00} Dollars loan on my names with no vehicle and a child to taken care of.Those people are scammer and someone need to check the out. they need to stop stealing from young people that they're assume are lack of knowledge .I request them to keep my great payment history and report the balance to XXXX please because the AMERICAN people are tired of being scam.I also request all unauthorized inquiries to remove on my credit report as well.Uder THE FAIR CREDIT REPORT ACT I have the right to have outdated information remove any information with out my consent.

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 2021-08-11 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: FL

Complaint narrative:
AFFIDAVIT : In this court of record I, XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and XXXX, Equifax, XXXX are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MD

Complaint narrative:
I received an email from Chime Bank stating that my account would be closed On XX/XX/2021. There was no explanation listed. 

Today ( XX/XX/2021 ), I attempted to use my airline credits for travel. The travel agency informed me that a refund had been issued to my Chime card. The refund was issued on XXXX XX/XX/2021. The refund would take 3-10 days to appear within my account.

I reached out to Chime Member Services who stated that the refund was in fact Issued. 

I have no way to speak with someone within customer service to determine what activity led to my account being closed, or how I will receive my refund. 

Please assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive tried disputing XXXX information with Transunion Credit Bureau chat line Representative XXXX on today XX/XX/XXXX after XXXX but representative did not update record but instead disconnect the chat. Ive paid XXXX in full in XXXX but XXXX did not post to my account until the first week of XX/XX/XXXX. Ive disputed this record numerous times but no success. XXXX Credit Bureau has updated the information on their site as paid in full and account closed but when I told the representative XXXX with Transunion per the representative statement that they do not update record for XXXX which wasnt request I was asking and Im not sure how or why this type of response was given. I tried sending the chat request again to explain what Im requesting but the representative closed the chat in the middle of my response. Transunion has prevented me in placing a dispute due to no option for me to select the company. The balance is reflecting in the total debt but I dont see the company to select it to dispute and the representative did not take my request to place a dispute.

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 2021-08-11 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: MI

Complaint narrative:
Someone is attempting to open accounts in my name which is fraud. Please delete these inquires from my credit report because they are not being done by 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 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Continental Finance Company, LLC
State: AL

Complaint narrative:
XXXX Credit Card manage by Continental Finance is taking over 50 % of my payments to monthly fees and interest. I asked why and no one could give me an answer. finally they hung up on 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 2021-08-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are 4 accounts on my credit report that are not mine they do not belong to me I have not opened or know what these are on my credit report I need these off ASAP!!! 

XXXX XXXX  XXXX  - Acct # XXXX Amt {$5100.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$9500.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$3800.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX - Acct # XXXX-XXXXXXXXXXXXXX Amt {$9500.00} Opened XX/XX/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 2021-08-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have been a BMO Harris Bank customer since XX/XX/2020, a full year, and I have been using the smart money account ever since. Simple account, no overdrafts, no worrying about checks or hidden fees. However, after trying to open a savings account I have been denied several times and I don't know why. I don't know if its discrimination or because they don't like they way I look, it is completely ridiculous how I've been loyal to this bank for a year only to be rejected by trying to utilized their other products. What's the point. I looked at my chexsystems report, nothing bad was reported I assume, I called and tried figuring it out but the banks don't have to say what it is which leaves me clueless. I've reported XXXX XXXX XXXX  XXXX XXXX for the same reason. all I want is to not be treated like a criminal while there are real life criminals committing crimes and not being held accountable. Is this how we treat our working class customers?

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 2021-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
The company processed an incomplete cease and desist by still using an indirect medium of communication with the consumer after being directed not to violating 15 U.S.C. 1692c ( c ). The company stated in the communication that the consumer owed a debt violating 15 U.S.C. 1692b ( 2 ). The company also used language and symbols in both the communication and envelope indicating that they are in the debt collection business violating 15 U.S.C. 1692b ( 5 ). This company has caused a great amount of harm to my reputation as a consumer directly violating 15 U.S.C.1692d ( 1 ). They also used language to abuse me as a consumer, along with causing my phone to ring numerous times and even gave the implication that nonpayment of the alleged debt will result in the seizure of my property. This action was a number of violations being 15 U.S.C. 1692d ( 2 ) ,1692d ( 5 ), and 1692e ( 4 ). They also reported credit information which is known to be false by the failure to communicate that the alleged debt is disputed violating 15 U.S.C. 1692e ( 8 ). This company has gave the consumer the false implication that the account has been turned over to innocent purchasers for value as well as compiling forms to create the false belief in the consumer that he is not the original creditor violating 15 U.S.C. 1692e ( 12 ) and 1692j ( a ).

It is a fact this company has civil liability for the violations committed against the consumer under 15 U.S.C. 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TX

Complaint narrative:
Ive tried disputing Allydirect.com information with XXXX  Credit Bureau chat line Representative XXXX on today XX/XX/XXXX after XXXX but representative did not update record but instead disconnect the chat. Ive paid XXXX in full in XXXX but XXXX did not post to my account until the first week of XX/XX/XXXX. Ive disputed this record numerous times but no success. XXXX  Credit Bureau has updated the information on their site as paid in full and account closed but when I told the representative XXXX with XXXX  per the representative statement that they do not update record for XXXX  which wasnt request I was asking and Im not sure how or why this type of response was given. I tried sending the chat request again to explain what Im requesting but the representative closed the chat in the middle of my response. XXXX has prevented me in placing a dispute due to no option for me to select the company. The balance is reflecting in the total debt but I dont see the company to select it to dispute and the representative did not take my request to place a dispute.

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 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
In preparing an official complaint through the FTC and the CPSA, I took a look at the complete history of billing statements made available on your website. 
To an extent, I recant allegations that Bayview/Community failed to apply advance prepayments directly to principle as required by the original not, HOWEVER ( my complaint will go forward, though modified ) It seems Bayview/Community altered my payment without my approval to accommodate 12 months of payments across 26 bi-weekly payments, thereby circumventing the prepayment clause. THAT IS A DECEPTIVE PRACTICE AND IS INTENTIONAL THEFT. unfortunately, I have no recourse for that. 
HOWEVER, it does appear that XXXX indeed did fail to apply advance prepayments according to the terms of the original note. Thus it became incumbent upon Bayview/Community as assignee of the note, to apply all accumulated prepayments to the principle as Bayview/Community assumed control of this account. 
Therefore, I now implore Bayview/Community to adjust the opening balance of this note as assumed by the total of advance prepayment accumulated. 
I do not care if that involves the reissuance of 1099INT or 1098 's ; none of that is my concern. 
I am moving forward with a formal complaint with a copy of this text.

Company response to consumer: Closed with explanation