vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-04 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: PA

Complaint narrative:
Equifax, will not allow me to dispute my XXXX XXXX, Equifax customer service rep, XXXX made up security identification questions to verify my id, I already verify my identification once but was required additional information not disclosed in my credit report. Equifax has violated the Fair Credit reporting act by reporting false information and not allowing me to dispute my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My credit limit was {$4800.00}. I had not used the card in two years so it was closed, I caught this immediately and Citi opened the card for me with no changes to the credit limit. Then in XXXX Citi lowered all of my credit card limits by almost {$20000.00} on the cards that I actively used. At the time they refused to reinstate my limits and would not provide me with a valid reason or even with a copy of my credit report used to make this decision as the customer service representative told me I could only write in my complaints to see if they made an error and he could do nothing else. 

On XX/XX/2020 the credit limit on my card ending in XXXX was still {$4800.00}. I had not used it in a few months. So I used the card to purchase lights and ceiling fans for a home I am currently building, total charge about {$2000.00}. The charges went through but one item was backordered so they provided a refund until the item was in stock. The next day Citi lowered my credit limit to {$1000.00}. It was lowered to the point that if the refund did not go through I would have gone over my limit. Now that the refund did go through I can no longer use the card. As the company has this card on file and if they try to charge it it will be declined or I will go over my limit. 

Citi is using predatory practices to lower credit limits on credit cards as charges are pending. They are intentionally being deceptive about the amount of credit I have and then once I use the open credit they are drastically reducing it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX XXXX is negatively reporting to TransUnion and XXXX from an account that is 14 years old and was also included in my chapter XXXX bankruptcy that was filed XX/XX/2013. I know my bankruptcy is going to show for 10 years but XXXX is not allowed to negatively report separately from that. Also that old XXXX account is 14 years old and they are only allowed to negatively report for seven years in Oregon. I have disputed it over and over again and all they did was add some comments next negative reporting. By law this old XXXX account is supposed to be deleted but most importantly I am already getting negative reporting for the chapter XXXX bankruptcy which XXXX XXXX was included in in 2013 but they are reporting separately from that as well, which is hurting my credit twice for the same thing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: NV

Complaint narrative:
I have an XXXX XXXX card issued by XXXX, I had a credit Limit of XXXX In XX/XX/2020 I made 2 purchases totalling {$1800.00}, which pushed my balance up to {$5900.00}, I then received a letter they were lowering my Credit Limit to {$6100.00} ( decrease of {$3900.00} ) after contacting them they explained I was late on previous statements within the last 12 months, I understood. I have paid all my statements ON TIME since then and paid additional than minimum payment due each month. Today ( XX/XX/2020 ) I receive a letter they are raising my APR due to proportion of balance to credit limit is too high. Of course it is too high they lowered my Credit Limit 5 months ago. After contacting them they explained my credit score has dropped under XXXX. My complaint is, how do they get away during these unprecedented times ( COVID ) to take advantage of consumers who are not able to maintain there HIGH credit scores due to income and economy due to unforeseen impact?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX my refinance loan was funded by XXXX in the amount of $ XXXX. 
I had a conventional mortgage plus a down payment assistance loan that I was refinancing. The down payment assistance loan was for $ XXXX plus 3 %. The loan was for 30 years with full payment due then or sooner, if I refinanced or sold the condo. I took out the original loan XX/XX/XXXX of XXXX. 
The company that bought my mortgage in XXXX is XXXX. Loancare had origially sent an incorrect payout amount for my down payment assistant loan. They received and accepted the payout for the conventional loan on XX/XX/XXXX. However, Loancare rejected and sent back the money for the down payment loan on  XX/XX/XXXX. Loancare called my title company, XXXX XXXX, saying that Loancare had made a mistake, that the first time home buyer loan payout was short over {$15000.00}. What happened was that Loancare subtracted the 3 % from the principal of $ XXXX instead of adding it. They sent a payout letter asking for just over $ XXXX instead of just over $ XXXX. They also said that I needed to pay them by the first business day of the next week. I checked their math, and found that Loancare was adding daily interest beyond XX/XX/XXXX. I told the title company and Loancare that they needed to fix that. I was not liable for interest added after Loancare 's mistake. Loancare sent another payout letter to the title company. It was wrong again, this time the letter had the original mistake plus the daily interest. 
This back and forth has been going on ever since. Today is XX/XX/XXXX. Even the legal department at the title company has told me to get a lawyer. I have since paid Loancare $ XXXX to principal in the hopes that that would force Loancare to redo their math. I was hoping they would get it right. Nope ; Loan care has sent XXXX XXXX title a payout letter stating that I owe them $ XXXX, a principal amount of $ XXXX minus 3 % instead of $ XXXX plus 3 % for six years, then minus $ XXXX principal for a total of about $ XXXX. 
I am trying to pay what I owe. I have been trying to fix this for MONTHS!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I have never had service with this company yet they are reporting on my credit report A balance owed. I reached out to this company by letter and have yet to recieve A response. I have XXXX and have never had XXXX XXXX XXXX services at my home residence nor have I had any sevrices with XXXX XXXX  XXXX Additionally I have not been living at the address listed on the credit report that they have reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
This is an addendum to the case I previously submitted on XX/XX/XXXX. 

I called Wells Fargo again on XX/XX/XXXX at XXXX XXXX and spoke to someone in the Executive Office, XXXX XXXX to request to speak to the supervisor for XXXX XXXX. The name of the supervisor is XXXX XXXX. She did not return my call on XX/XX/XXXX and I called XXXX XXXX again at XXXX XXXX and was put on 20 minutes hold while he researched why my account online is not showing as current. 

He then told me that this account needs to be reviewed - basically invalidating the letter that they sent me on XX/XX/XXXX indicating that the deferment was approved and the account should be brought current. 

He then told me that he can not speak to me because I am in active bankruptcy case and can not speak without my attorney 's permission. I told him that I have the consent on file - A consent from my attorney 's office was faxed to Wells Fargo on XX/XX/XXXX ( please see attachment ) which was why they were able to have multiple phone convsersation with me to discuss the case on the phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX. Mr. XXXX is now saying that all those conversations were not supposed to happen and he will submit the case for further review but can not discuss the case with me further even though I told him I have the consent letter from my attorney which I can send to him and he declined that and his supervisor all refused to speak to me. 

Wells Fargo Mortgage needs to be investigated for breaking rules and for their incompetency. Their goal is to set up barrier for home owners that so that they can foreclose my home. They should be investigated for misrepresenting themselves as evidenced by previous recorded phone calls and written correspondence that the deferment has been resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Since the mortgage was transferred to NewRez Mortgage Company,  they have refused to accept our layered insurance policy and have raised our mortgage payments from {$480.00} to {$550.00}. We have called them numerous times to fix this problem and have been assured the issue is addressed, only to find out rates still high and a lender placed flood policy affixed to the loan. We have had numerous escrow analyses done to no avail. This ongoing issue is unacceptable and unethical. To be assured of assistance and then find that our concerns have been dismissed is frustrating and now they are seemingly completely disregarding any attempt to hold themselves accountable and remove the lender placed policy and fix the overcharges to our escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Around XX/XX/2020, my business client XXXX XXXX sent over 2 payments of {$2000.00} each totaling {$4000.00} for a personal exercise training package. He paid me via the " Friends & Family ''  option of Paypal. Mr. XXXX also sent me a couple of smaller payments of {$35.00} each on XX/XX/XXXX and XXXX for extra car fare. 
A few days later, a Paypal representative called me to inquire about these payments. Caught by surprise, I just told him XXXX was a " friend '' of mine who sent me the money, after the Paypal rep asked who XXXX XXXX was. 
The Paypal rep proceeded his questioning by wanting to know what the money was used for. I replied for " personal reasons ''. 
Based on these 2 responses, the rep informed me that he was going to close my account permanently because it presented a security risk and I will not be able to use Paypal or any of my cards or banks linked to Paypal ever again within their services. 
Despite my reaching out numerous times to appeal this decision to various supervisors, their responses have been consistently rude, disrespectful, unprofessional, and downright threatening, without any chance of recourse. 
Their decision has affected each and every one of my transactions negatively in which the merchant accepts Paypal only, limiting my options of business transactions. 
I even wrote an appeal request via hard copy and sent it via snail mail without response in the Spring 2020. 
I do not feel this was a fair decision on how Paypal treated me, without recourse for reinstatement. Paypal has effectively banned me for life, and I am seeking for a fair reconsideration for an opportunity to not make the same mistake of accepting payments under their strict guidelines, which they are not affording me. 
I am enlisting the intervention of the CFPB to assist me in my goal to be reinstated in good standing with Paypal again, as I had been for over 20 years previously. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020, I received a text indicating I had a fraudulent charge and asking for validation of the charge. When I responded, " No '', a text appeared that my message was not received. I did not follow up on the issue and then got a bill showing {$3200.00} fraudulent charges over a period of 2 weeks ( XX/XX/XXXX to XX/XX/2020 ). My wife then realized that our credit card was lost and we reported it to Chase who cancelled the card, issued a new card, and then put a hold on the fraudulent charges. We got a letter from Chase on XX/XX/XXXX confirming the above. 

We then received a XX/XX/XXXX letter from Chase that the fraudulent charges were being re-instated and we were liable to pay for them. I immediately called the point of contact and could not get a hold of anyone from the Fraud department. I then followed up with an email listing every charge and showed how they displayed behavior and locations outside of my previous spending patterns. Three more emails and five phone calls over three months yielded the Chase Fraud Department calling me up and saying that the information with the card reported missing was not enough evidence to show Chase liable to accept the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Dear who this may concern I refinance my car with navy federal and request to the person I was in contact with, that I would want Gap insurance on my auto loan. My vehicle end up being declared a total loss by XXXX and called the bank about it. The bank refuse give gap, because it was not put into the loan as I requested. The bank I clearly not capable of being trusted with a yes or no answer and would like some explanation and some accountability. 

I looked forward to getting a response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Dear Sir/Mam submit by XXXX XXXX for  XXXX XXXX XXXX VIN # XXXX Account with lender # XXXX against /Stander Consumer USA My name is XXXX XXXX I purchase my XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX in XXXX . the dealer register my car at the sate of XXXX. I moved from XXXX on same month XX/XX/XXXX Because the Covid 19 Which cause losing my job there to sate of XXXX. Now I live in XXXX XXXX since XX/XX/XXXX. I tried to call and contact my lender Stander Consumer USA, to change my XXXX  title to state of XXXX. and After i checked with the XXXX  DMV I faxed and mailed to Stander consumer the form request from XXXX  DMV requesting the lender to send the original title to XXXX  DMV mailing address to start the transfer process. I did the previous action on XX/XX/XXXX. And at each time i get hard time with my lender Stander Consumer USA to help at my request. I now almost keep calling them every week to follow up but I could not find any help on my concern to transfer my car title to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
My home equity loan under XXXX  XXXX went to a company called Select Portfolio Servicing , Inc. to manage per XXXX XXXX staff. They stated S.P.S. was only to manage. However, S.P.S. refused repeatedly to confirm who now owned my note and pressured me repeatedly, deceptively, and against past practice of XXXX XXXX for me to buy their insurance. XXXX XXXX had stated no escrow required for home equity loans. This loan had been with XXXX XXXX for many years. S.P.S. insisted on homeowner insurance purchased through them. I had my own homeowner insurance most of the loan period until recently. Nevertheless, I received false and misleading payoff information as well as harassment to buy their product even while I had homeowner insurance. I also asked for a copy of the note they had received as they claimed contrary to XXXX XXXX staff and contrary to XXXX XXXX billing that my note was not a home equity loan, but a mortgage that required escrow. 

Select Portfolio Servicing , Inc., has lawsuits against it from other consumers. I paid more on principal several times. I asked for a complete history of all payments which they have not done. 

*** My Final Payment in the amount of {$69.00} was written on a check which stated to apply to the principal. They did not! They put in " unapplied ''. They did not send my note showing paid, and state I owe insurance payments and continue to increase " escrow '' for their insurance product although note paid off. And continue to show principal remaining in the amount of {$69.00} Even Though They Received This Money. 

My debt has been paid and I need a printout of all payment and charge history to verify their accounting. The person who made the dishonest decision to not apply my final payment to principal should be penalized along with S.P.S. I should receive my note as paid and a statement from S.P.S. showing no balances. 

I will be referring this complaint to corporate within XXXX XXXX and S.P.S., their Board Members, and to appropriate Texas and federal officials over banking/finance as well as those who represent my district and state. ( I have to wonder if those who investigated XXXX XXXX should investigate S.P.S. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
Received alert from XXXX XXXX XXXX that I had negative information posted to my credit report. Went to XXXX to review the Item. XXXX, XXXX, and XXXX  were displaying that I had a late payment for XXXX for Specialized Loan Servicing that is now 60 days past due. Filed a dispute on XX/XX/2020 with all three agencies and provided receipts that I had not missed a payment for XXXX, XXXX and XXXX. Also, contacted Specialized Loan Servicing on XX/XX/2020 and they had stated that they had received my payments, but had not posted them to my account. That they would put in a ticket to escalate this issue. Nothing has been updated on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
XX/XX/2020 - I attempted charge for item online, but it was declined XX/XX/2020 - I noticed a charge on my new XXXX cycle for the amount of {$1000.00}. I contacted merchant to have it reversed, they declined. 

XX/XX/2020 - I opened a dispute with creditor XX/XX/2020 - I contacted creditor for update, they stated that the dispute was in process and they claimed I would receive a provisional credit, but I never received one. 

XX/XX/2020 - I contacted creditor to inquire about the provisional credit before I made my XXXX statement payment. I was told they would look into it and I was never notified or responded to. 

XX/XX/2020 - After waiting several billing cycles and 90~ days from time of opening the dispute, I contacted the creditor for the resolution. They claimed I withdrew my dispute but offered no proof or any details of that claim. 
They transferred me several times until they said they would pass it along to their manager. 

I never received the item in question from merchant. 
I also never received any sort of credit or reimbursement from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITY NATIONAL BANK
State: NJ

Complaint narrative:
This is a complaint in regards to TRIP ID - XXXX I booked this trip using points ( see attached ), and its supposed to pay for the full fare. 

Shortly after I booked the trip, I went to the airline 's website, to buy seats and bags. 

For some odd reason, the airline did not receive the payment from CNB and proceeded to charge me XXXX  dollars which is the TOTAL charge for FLIGHT FARE + BAGS + SEATS ( see attached ). 

This means that the points I used did not go through, but CNB did not refund me the points. I have tried to reason with the XXXX and CNB, no one is taking responsibility. I can clearly see that XXXX  charged me the full fare + add ons on my credit card. unless CNB can produce documentation on they have made payments to XXXX, I would like my points back.

Company response to consumer: Closed with explanation