vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I called the bank immediately after doing a transfer that I wasnt sure. I called right away and bank told me I couldnt get my money back because it was a transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied for a small business credit card for my company. I have a XXXX credit score and was told I had poor credit. What is the problem with American Express and many US CCs is their XXXX practices. They credit system is setup to make people of XXXX jump over high hoops to prove their credit worthiness. I have had a platinum card with American express for 3 years and have never been late and paid down my credit over 50 % but never not once have they increased my credit. They make up excuse after excuse. I have asked them credit increases and they continue to deny me. First I have underutilized credit, then not enough credit then using too much credit. Regardless of the effort my last name tells them that I am XXXX and they use that against me. Even during COVID19 I asked them to work with me when my company experienced challenges. They refused and later only halted interest while forcing me to make my monthly payment. When I spoke to the American Express agent she said I had poor credit. When in reality I have had stellar credit. The CFPB needs to hold the XXXX practices of these white endowed process to account. I make over XXXX but still cant get American Express to raise my credit profile. That is XXXX and they should be held account for practicing systemic racism against their card holders!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit System is debt collection agency ; I received a call in XX/XX/XXXX from National Credit System stating I owed a debt. I immediately asked the representative on the phone call to verify my social security number, the representative said " no '' and hung up the phone. A few weeks to a month later I received an alert through my credit monitoring system that a company was searching for my social security number on the world wide web. I never heard anything else from National Credit system again until XXXX. They never called nor attempted to send correspondence in the mail regarding the debt they originally called me about in XXXX of XXXX. Two months later National credit system violated my consumer rights by placing a debt on my consumer profile without validation or Permissible purposes under 15 U.S code 1681b and no consent or validation is considered identity theft. I XXXX XXXX have sent letters requesting debt validation since XXXX, National Credit system failed to reply and proceeded to report to other credit bureaus agencies. Recently, I received the very first correspondence ever from National Credit system stating I the consumer has failed to validate the debt doesn't belong to me and attached misleading documents to the letter, stating I have a judgment against me and they represent the original creditor. The judgement doesn't equal the sum of the payment they're requesting and further more it was included in my bankruptcy file. National Credit system have violated so many of rights as a consumer, they are ruining my reputation by placing inaccurate information on my credit report and they need to be stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a commercial mortgage with Santander bank for 3 units buildings in XXXX, New York. I refinanced my mortgage with Santander Bank in XXXX in the amount of $ XXXX. At that time, my loan officer was XXXX XXXX from Santander bank. I was never late earlier, and currently, I owed the bank around $ XXXX. Because of COVID1 9, I had a hard time paying my mortgage payment ; hence I applied three months forbearing plan for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Around XX/XX/XXXX, I have received a call from XXXX XXXX 's personal cellphone ; he said that he doesn't work with Santander bank anymore ; he warned me that I need to do refinance my mortgage immediately with his own investor ; otherwise, the bank will take over my building within few months. Simultaneously, I got a call from the individual appraisal, who informed me that XXXX XXXX from Santander bank sent him to do the appraisal of my building. When I called XXXX XXXX mentioned that we bought the note of our mortgage. He is the only person we can talk to regarding our mortgage with Santander bank ; He also mentioned that even though I pay my 3 months past due payment of {$8500.00}, it will not be enough ; hence, he will still be going to take over the building. XXXX XXXX gave me only one option : to pay him close to $ XXXX, which included a Yield maintenance fee of $ XXXX, an Appraisal fee of $ XXXX, and private insurance of {$4700.00} even though I provided him the evidence of my current insurance of this building. In the meantime, a formal employee, XXXX XXXX called me and scared me again. When I asked XXXX XXXX, who is XXXX XXXX? XXXX XXXX told me that he is an executive officer of Santander bank has all the powers on my loan. I have received notice from Santander bank and XXXX XXXX 's attorney that I have to immediately pay my whole mortgage amount of $ XXXX + $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I was hospitalized for Covid 19 from XX/XX/XXXX to XX/XX/XXXX. I was incapacitated and could not make my mortgage payment but I had the money in my bank account. When I came to on XX/XX/XXXX one of the first things I did was to make the XX/XX/XXXX mortgage payment. I have a great history of making payments with no 30 day lates on any of my 17 accounts. I got a letter from my doctor and sent it to Shellpoint on XX/XX/XXXX. They subsequently removed the late payment penalty penalty and they said they would reverse the 30 day late payment on my credit reports. .But as of now they have not removed the late payment with XXXX  even thought it appears they have with XXXX  and XXXX XXXX XXXX I have spoken with them ten times and they are refusing to remove the late payment with Experian. Please advise.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I called and spoke to the credit bureau about the items and was informed that they would be removed. I provided everything that was asked of me. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: Lending Club Corp
State: CA

Complaint narrative:
Lending club incorrectly marked my credit line with a XXXX late mark while my account was in forbearance during the month of XXXX and XXXX until XX/XX/XXXX with an additional 15 day buffer. I have made multiple attempts at speaking with lending club and their manager refuse to help, their number listed on the credit report is a fax. Ive filed many complaints and no resolutions have been made

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I paid {$260.00} to Caine & Weiner on XX/XX/21 and was advised by the customer service representative, XXXX  XXXX that processed the payment, the account would be removed from my credit reports with al l three credit bureaus and I would receive a letter after I made the payment. I have not received a letter by email as requested. So I am disputing with your company to assist me with removing the negative item off my credit reports. The payment confirmation number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I requested Equifax to show me how they validated a debt on my report by mail twice, they failed to do so on both request. They are still reporting this erroneous debt, without showing me any validation which is a violation of the FCRA. They finished their investigation on XX/XX/2021 and didnt inform me, i attempted to check the results and their system wouldnt allow me to. Photos have been added to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called and spoke to the credit bureau about the items and was informed that they would be removed. I provided everything that was asked of me. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 2021-04-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called and spoke to the credit bureau about the items and was informed that they would be removed. I provided everything that was asked of me. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Due to it being over 60 days those items should be deleted promptly. I demand these accounts be deleted immediately or I will have to file litigation due to the stress you are causing me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
i have paid XXXX XXXX  XXXX XXXX over {$1700.00} over a month and a half ago on XX/XX/21 paying off the balance and they have not reported the drop in balance keeping my credit score lower than it should, i paid, on the same date XX/XX/21 i paid over {$2000.00} dollars on XXXX credit card and they also refuse to report the drop in balance keeping my credit score lower then in should be, i also paid off every balance on all 4 capital one credit cards includeing walmart/cap one and they have refused to report the drop in balance, also on sync care credit payed balance in full and NO REPORT in balance drop ALL these cards in question have reported according to XXXX  and XXXX XXXX and all show balance when there are none! ... .i have contacted them all on 2 occasions each with no update with accurate account balances keeping my credit score low ... and you should note i am Native american and feel i am being fisciminated against to deliberatly keep my credit lower then it should be ... i hsvnt missed or had a late payment on ANYTHING in over 5 years ... .please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: IN

Complaint narrative:
I applied for a loan in XXXX to refinance a house with Amerisave. There were constant delays and multiple requests for the same paperwork which I submitted. Finally in XXXX, more than 6 months after I was preapproved, XXXX XXXX advised due to all the new employees, my entire application was corrupted and they were not able to fix the issue so they were going to return my {$500.00} application fee. This has cost me thousands in extra finance charges due to their delays and I still have not received the refund. Now I am not able to get them to respond to my calls or emails and it's been over 4 months since I was supposed to receive my refund.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On or about XX/XX/XXXX I summited a dispute regarding a negative account reflected in my credit report. This account is listed as DSNB/Macys account # XXXX the reporting party " DSNB '' noted that the account was verified and and current status is now charged off. DSNB has failed to respond to my numerous disputes regarding this fraudulent account. This account does not belong to me nor did I give consent for this account to be created. Furthermore, DSNB continues to report this account as belonging to me which has caused me great hardship financially. DSNB has failed to respond to my inquiries related to the validation of this account and has not provided me any factual information to help me determine where this account came from so I can file a police report. ( Consumer Report # XXXX as of 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 2021-04-05 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: Yamaha Motor Finance Corporation USA
State: KS

Complaint narrative:
I purchased a motorcycle and financed it through Yamaha Financial. During the loan period XXXX of XXXX I had requested a registration packet to title the motorcycle in local state. I waited a month with no answer and called again. Waited another couple of months still nothing. I asked my local DMV to request the paperwork needed via email to send it back by fax. Still haven't received paperwork by XX/XX/XXXX. Reached out by email to their administration department with my concern asking for the registration packet. Finally XX/XX/XXXX I paid the motorcycle off hoping the title would come quickly and it would be over. No, found out on XXXX XXXX, XXXX I needed to do their job for them and send my lien release form to previous to release my title. Weeks later I was contacted by previous states local treasury department that they do not participate with the California Seal Certificate. Previous state representative and I have contacted Yamaha asking for the proper paperwork after numerous phone calls and emails. They said they would send out the correct form with the proper information needed. I received a copy today XX/XX/XXXX of the wrong form again. I have spoke with several supervisors in customer service and the titling department and they can't resolve this matter. After almost a year paid off I would like my title, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
My vehicle was taken and sold in auction amerca first credit uniou refused to give me proof of what the vehicle sold for and how they came up with the remaining balances. I asked for the aiction statments and i javnt recived any information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I am once again writing to CFPB about ongoing changes to my account. 
First, let me say that I have been paying this account from the beginning and more recently, although we are in a financially destructive pandemic, I have not missed one payment. I have still paid the full amount of my monthly bill, and at times paying over the required amount. With this said I am still incredibly inundated with added fees.

Second, I have always paid my own property taxes and home owners insurance. I have written and provided Select Portfolio Servicing, inc. with the required documents requested. Although this document is on file at Select Portfolio Servicing , inc, I am still being charged a monthly fee to pay property taxes. I have also not lapsed in my homeowners insurance even when switching to a better insurance servicer. When the residential taxes and insurance are paid by me, the fees are not taken off. This has been happening for years.

Third, a Select Portfolio Servicing, inc. representative went so far as to divisively pay my property taxes even though Select Portfolio Servicing , inc. has on file that I pay them myself. When Select Portfolio Servicing, inc. found that the XXXX XXXX department would not return their duplicate payment, Select Portfolio Servicing, inc. charged me the unreturned payment.

Fourth, I am consistently charged other fees that are not explained on any billing invoice.

Fifth, I am being charged a fee that fluctuates each month I make a payment and appears as a late fee. This fluctuating fee is posted although I have paid and continuously paid from the beginning, on the last day of the month. I GET THIS FEE EVEN AFTER CONSISTENLY PAYING DURING THIS PANDEMIC AND HAVE NOT MISSED ANY PAYMENT.

Sixth, when I pay extra on the monthly payment it seems to vanish and I do not see any of the extra payment listed. But Select Portfolio Servicing, inc. fees are always posted and clear without explanation. 
Please see all previously attached documents as this is an ongoing issue. 
Awaiting Your Response, XXXX XXXX, Physicist/Instructor Retired Account # XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: VA

Complaint narrative:
I created my gemini account on XX/XX/2021 and have been waiting to be verified ever since. I completed all the verification steps, but yet nothing. Also I contacted gemini customer support multiple times and nothing. Im unable to withdraw due to this and Im quite frustrated.

Company response to consumer: Closed with explanation