vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/2019 my account was closed. I received a notice in XX/XX/XXXX stating my account was closed due to a recent check of my credit score. My account was paid in full and was not delinquent. I was not given the option to protest or object. I called the number provided which said please contact this number if you have any questions about this letter. Once I called the number I was told to contact XXXX and ask them about my credit score. The problem isn't my credit score. The problem is I have had this card for more than a year and I was making payments on time and it was closed once it was paid off without my knowledge. I asked if I could have the terms that I agreed to when first signing up for the card. I was told I would be sent the terms and later I received another letter stating they could not provide terms for a closed paid in full account. I was once again told to contact XXXX XXXX and to try to apply for a new card so I could see the terms. I was told these were the only two ways I could see the terms that I agreed to. If my card can be closed there should be accessible terms and agreements for me to view that state that this is a what I agreed to when I signed up for the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
CRA continues to report inaccurate accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX a fraudulent charge of {$450.00} was made on my Bank of America credit card to the XXXX XXXX XXXX. of XXXX XXXX. I have been attempting since XX/XX/XXXX to resolve this issue, but the bank continues to deny my fraud claim even though I have provided documentation to prove I didn't make the charge. 

I have even contacted the vendor, who concurred that the transaction was likely fraudulent because of the suspicious return email address. 

As of today ( XX/XX/XXXX ), the bank is still denying my claim, and their Existing Claims department said there's nothing more they can or will do. I have implemented a dispute with all 3 credit reporting agencies, but need to get someone at Bank of America to respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
In XXXX of XXXX my family and I decided to transfer 4 XXXX wireless cell phone lines over to XXXX as part of their " We'll cut your cell phone bill in half '' campaign. I was skeptical at first, and asked the salesman a lot of questions about their service, how quickly the conversion takes place when they switch your phone numbers over to XXXX  phones, etc. He promised a smooth transition. However, 3 weeks later, we still had 2 phones that didn't work properly, my sons texts were going to my wife 's phone and visa versa, and so I had to spend the better part of each day for 3 weeks calling their service number, and having to re-explain the situation all over again from scratch, as they kept no computer records of the previous days interactions, and nobody knew how to fix the problem of getting our phones to work properly. After 3 weeks of XXXX, I took the new phones into the branch and returned them and asked them to cancel our service, as they we're never able to provide the services they promised to us. The salesman was very apologetic and said we would get us a full refund, and I believed the case was closed. 

3 years later, in XXXX of XXXX, I get a collections letter in the mail. I immediately disputed this charge, and have gone through the painstaking steps of disputing this 3 times, and still no solution. This is a bogus debt, and now I am trying to build a house and this on my credit record is preventing us from getting it approved, not to mention financial damages in the form of mortgage insurance increases and a higher interest rate. I want this removed from my credit. I don't see how these phone companies can get away with this. It seems like anyone can ruin a persons credit with bogus claims. I think this is unacceptable. Thank you. Please see supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I applied for a Capital One credit card and was denied. I called them to get an explanation of the reason for the denial. They could not say anything but the reason that was generated and makes no sense if you read it. " Based on your credit report from one or more of the agencies on the back of this letter, income is insufficient for amount of credit requested ''. This does not explain in reason why I was denied. A person 's credit report does not provide income information. Also it does not explain how much credit I was applying for. So how can they base a decision on information they don't know. I was told to reapply that is the only thing I could do and no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: FL

Complaint narrative:
I have been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26 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: IL

Complaint narrative:
CRA continues to report inaccurate accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Wakefield & Associates has been retained by XXXX, XXXX XXXX XXXX for a collection of {$810.00} for date of service of XXXX. During this time I was insured with XXXX. I contacted XXXX to discuss this outstanding bill and the representative I spoke with at XXXX could not locate any billing records from XXXX, XXXX./XXXX XXXX XXXX to XXXX   on the referenced date of service. It appears that XXXX, XXXX XXXX XXXX never billed XXXX and consequently this account has gone into collections. This billing error is not my fault and XXXX, XXXX XXXX XXXX needs to bill XXXX and reverse the collection proceeding against me. This incorrect reporting is harming my credit. I have attached a copy of the collection notice from Wakefield & Associates, along with a copy of my XXXX insurance card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
In XX/XX/XXXX Hud attempted to represent me in getting a modification, They attempted several times.My attorney XXXX XXXX began representing me beginning in XX/XX/XXXX letters and documents were sent requesting workout He sent a Letter Dated XX/XX/XXXX for confirmation of his representation. Mr.XXXX  sent SLS a payment of {$14000.00} In XX/XX/XXXX. It was returned. request for modifications from XX/XX/XXXX to present, letters of hardships and storm damages due to hurricane Irma were sent. SLS changes the contact person monthly I have never been able to speak to the assigned teller.I have requested to speak with the XXXX  XXXX XXXX XXXX   XXXX to no avail. Court mediation with the Magistrate orders to submit another request for modification did no good.Their attorney even tried to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My problem is with Chase Credit Service ; I DO NOT have a Chase Credit Card. The fact is that I'm getting 3-4 Chase Credit Services calls from 5 different states. I answer ; nothing but silence. Will you help me stop this harassment? Can I legally go after them for this? The calls are as follows ; all 2019 XXXX Illinois ( XXXX ) XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX Illinois ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX Texas ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Florida ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX Arizona ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Missouri ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending
State: TX

Complaint narrative:
In XXXX of XXXX I began the process for the Home Affordable Modification Program ( RMA ) Request for Mortgage Assistance due to a loss of employment the year prior which caused a lot of financial strain. The loa modification was complete in XXXX of XXXX. 

In XXXX of XXXX I reached out to Supreme Lending to try and do a cash-out refinance to pay off credit card bills and other pending expenses. The gentleman that assisted me in the process asked about the loan modification done in XXXX on multiple occasions throughout the process. I am by no means a mortgage expert so i trusted him in the process to guide me in the right direction. The cash out refinance was complete XX/XX/XXXX. 

In XX/XX/XXXX I received a letter in the mail from the US department of HUD stating there was a debt to be paid. I reached out to them directly and was not successful in getting in touch with anyone that could clarify to me why I had an outstanding mortgage debt if the only mortgage I had was my current home. Since I could not get a hold of anyone I reached out to the person that assistem me with the refinance but he never called me back. After a few more unsuccessful attempts to get clarification I reached out to a credit bureau to dispute the amount thinking it may be fraud. It wasn't until late XXXX when I was able to speak with someone from HUD in which they explained what happened. 

The loan modification done in XXXX split the amount owned on my home into two liens. The second lien did not have to begin being paid until the first one was paid off. This was able to lower my monthly mortgage payment to make it more affordable at the time. When the refinance was done in XXXX, only one lien was refinanced in the process. That triggered an early payoff on the second lien. I've consulted with multiple loan officers and they've all agreed that is not common practice. The person who was assisting me with the refinance should have caught that there were two liens on the home and advised me. I trusted in him and I feel he took advantage of that. 

I reached out to Supreme Lending in XX/XX/XXXX and have been dealing with a Compliance Specialist for their company. It is now late XXXX and have no resolution in the matter. I've emailed and called to try and get a resolution, but it feels like I'm getting the runaround. In the meantime, HUD has began to garnish my wages which is putting a heavy financial burden on my family and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: HI

Complaint narrative:
After using Western Union for years, a {$630.00} transaction was stopped. I was not informed even thought my contact information is on file. I was only made aware of an issue when the recipient went to receive the money. When I called Western Union, I was then informed that the transaction was flagged and I would have to contact a different department, via email, to fix the issue. Additionally I would not be able to use Western Union until resolved. Now one business day later still no response. In the last 2 years, I have sent 144 transactions to the same recipients totaling over {$40000.00}. Transactions ranged from {$1000.00} to {$3000.00} a month. These transactions are for mortgage payments, medical needs and financial support. I rely money transferring service to manage these needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian, and for that matter XXXX and XXXX and XXXX, continue to " report '' on my credit two debts that by their own admission are more than 7 years old. XXXX card alleges a fraudulent debt that isn't mine, but admits that the delinquency occurred and was first reported in XXXX of XXXX. Similarly, XXXX XXXX admits that a XX/XX/XXXX delinquency reported in that month is still on my credit. The LAW is that seven years from a delinquency, if the account is never again current is the MOST that an item can appear on your credit, period. Yet, Experian reports that these items will be on my report until XXXX and XXXX, which are more like 8 or 9 years ( see attachments ). These items must come off now. I attach my own Experian credit report showing that, as a matter of law, these two debts, which are fraudulent to begin with, are totally and completely as a matter of law over 7 years old and must be removed. Seven years from XXXX of XXXX is long past. 
Note the circled areas on the attachments to this complaint -- there is no doubt these items should have been removed in XXXX of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My loan was transferred from XXXX XXXX to Specialized Loan Servicing ( SLS ) in XX/XX/2019. My contract with XXXX XXXX had me paying mortgage on the XXXX of each month with a 15 day grace. My last payment was made to XXXX XXXX on XX/XX/XXXX and my loan was transferred to SLS on XX/XX/XXXX. SLS is trying to collect a XXXX payment from me of which I had already made to XXXX XXXX. Due to SLS trying to collect a XXXX payment from me which I have already made to XXXX XXXX, each month that goes by I'm recorded as making a late payment because they're applying my current payment to the original XXXX payment which makes me a month behind each month. In addition, i'm accruing late fees every month this issue is not resolved. 

Due to this error on SLS 's part which has failed to be corrected, I have received a foreclosure notice dated XX/XX/19. I have made multiple attempts to get the situation corrected including sending proof of payment with XXXX XXXX to SLS for the XX/XX/2019 payment 3 different times and spoke to numerous different customer service representatives from SLS. I have requested that this situation be escalated with SLS 's upper management, multiple tickets for " cash correction '' have been opened, but nothing has been resolved. The current ticket that is open is due to be " resolved '' XX/XX/19 which is 10 days before they will proceed with foreclosure on my property.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
As of XXXX, we were informed that I had been late on payments since 2018, I was not only dissapointed as I had not been getting any emails, also I was part of the XXXX email hack. SO I called and explained and my once XXXX credit score went to a XXXX. I was able to get the payments deferred while I tried to get new payment plan and get my loans taken care of. After finally getting the payment to XXXX and have been current since then which has been 3 payments now. I received a 40 point drop last week stating I have not been paying student loans. I tried contacting them and they said that they could do nothing but send a letter stating I was current. 
This has XXXX eveything up. I want my credit fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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:
Victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26 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:
After reviewing my credit report I noticed several fraudulent items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I opened an account with citizen access {$5000.00} they closed my account and stole my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am in the process of refinancing my mortgage and need all three credit reports. I had frozen all three of my credit reports and had no trouble unfreezing them except for Experian. Not sure what the problem is, but every time I try to unfreeze my account, I get the response " unable to process as our records show you have already requested that your freeze be temporarily removed. '' This started on XX/XX/22 and that has been the response I have been getting all week. Except that the account has not been unfrozen and my mortgage company has not been able to access my credit report. 

I have called all the numbers I could find for Experian, but none of them put you in touch with a live human being who can help with this problem. In fact, the numbers run you through several phone trees and then hang up on you. Also there is nowhere on their website where you can contact them and ask for assistance. 

I pushed so many buttons on the phone, I ended putting a fraud alert on my account which I did not want to do. But I could not find a way to remove the fraud alert either. 

This is not just a problem for me, but a systematic problem for consumers. I hope your agency will look into this and help me reach someone at Experian or have someone contact me. I am praying that my refinance efforts do not fall through. Thank you. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX was the prior servicer and paid me {$900000.00} and reported {$900000.00} in Federal Income Tax withholding to the Internal Revenue Service when I figured out the typical mortgage wasn't what it was purported to be and started claiming my security interests. 

I highly suspect XXXX XXXX  XXXX released the mortgage in full too after I presented them with SF28, OF 90 and OF 91 to release the surety but have yet to get confirmation from the XXXX. 

Immediately after XXXX XXXX XXXX reported the {$900000.00} to the Internal Revenue Service, Select Portfolio Servicing took over - probably bought the paper for pennies on the dollar - and began voracious collection activity. To save my house, they are forcing me to make monthly payments of {$8800.00} under court monitoring for an entire year of time. 

SPS is also well aware, remaining security interests are due me running into very large numbers and are probably just using the 1 year of court monitoring to collect monies to offset what remains to be paid out. 

It makes me sad typical Americans have no clue of what is really going on behind the scenes with mortgages but that is no excuse for SPS to be such a horrible company. 

I also have a letter from them saying they are well aware of the monies owed me and to work with their attorneys on resolving but that is merely more tail chasing than true resolution. 

SPS needs to stop this nonsense now. Seriously, how can you overlook {$900000.00} was reported to the Internal Revenue Service on an alleged mortgage and pretend there's really a typical " mortgage '' - are you serious?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation