vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-13 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The issue is much more related to my ability to reach Experian for clarity on my credit report. I have spent two days trying to reach some, was hung up once and as of today I have been on the phone for a 1 hour and a half on hold. The first person who I reached the 55-minute mark, was in the XXXX and was not aware of the Senate Bill S.2592. It appears Experian is just interested in selling their membership and if you do not have one they connect you with someone in another country that is not familiar with United States law.

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 2020-04-13 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I discovered unauthorized XXXX charges on my card in XX/XX/2020. Citicard notified me via email of suspicious activity within around 2 days of the charges occurring. I reported the charges as fraudulent within an hour of receiving this email notification. During this time several XXXX charges were made to my card. I disputed these charges with Citi and advised them that I have never used XXXX. I have spent hours talking with Citi for the last 3 months and they have not been able to resolve this dispute for all XXXX charges. They have been working on this but every time I talk with someone they don't have the authority to help me and need to get a supervisor. It is like they are reading from a card or script when helping me. I have paid my statement balance for the last few months minus the XXXX charges. I have now cancelled my card with them but I do not feel it is fair to make me pay for fraudulent charges. 

CitiCard XXXX Trip - XX/XX/2020 - {$55.00}

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 2020-04-13 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:
They are stating I have missed payments across a few lenders which is incorrect I have provided proof of on-time payments to each lender specifically.

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 2020-04-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: MI

Complaint narrative:
My card has been declining since Friday XX/XX/2020. Ive sat on hold for more than 4 hours on the only phone number available for seeking help. Ive even heard people talking in the background halfway through being on hold for them to click me back to hold when they realized and heard me yelling hello. My card is declining for everything even though there is several hundred dollars on it. There is no one from us bank willing to fix the problem. Were in the middle of a pandemic and I can not reach my child support funds.

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 2020-04-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My husband passed away XX/XX/2019 I was on the deed but not on the mortgage. I was in the process of a short sale with XXXX XXXX and the Mortgage Company let it go into Foreclosure the final step. After having a buyer and accepted bids. I tried calling XXXX XXXX for help but they are refusing to speak with me because I am not on the loan. That had already been taken care of with a death certificate and a copy of the deed with the mortgage company and the court. I started out with XXXX they were brutal to me and finally the went into bankruptcy and it was transferred to Shellpointe. Shellpointe will not answer my calls or return them and I am trying to get a 1 year record of all the communication we had so I can figure out why they dropped the ball with the short sale for no reason. A lot of time and effort went into it. I don't see how they can just foreclose when there was a buyer with an awesome bid almost at closing. XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX I am the one that reported to all my husband passed away and XXXX took it straight into foreclosure without talking to me. Shellpointe went to court with me. The judge told them if there was a remodification or shortsale to stop the foreclosure well they didn't and nobody will talk to me but the new company trying to get me out of the house. I won't get a dime out of the house but I think things should be treated fairly and honestly. I am wondering if the XXXX XXXX loan was even legal from the beginning with XXXX it was before the market fell. I need to find out why I can't get anyone to talk to me after all this. XXXX has been working with me and so has their attorney now they won't return my calls either or take them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
dear sir/madam I have owned my home for 50 years and always made my payments on time.by mail.i decided to have chase take the payment directly out of my checking account .the payment was dueXX/XX/2020.i sent the required paper work in and waited.three weeks later they contacted me and needed more information of which I mailed them.as of now I am receiving notices that I am late with my payment.i tried to reach then by internet and by mail to no avail.they give me a phone number to call but after 18 minutes of waiting they disconnect.i want to go back to mailing my payment in but they are not reachable.i have the payment money but do not have an address to mail it.i don t know if they are going to take the mortgage out of my checking account or not.they will not acknowledge my inquiries.i will seek a lawyer if I am forced to.can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Closed account after 13 years of payment processing with no advance notice or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Am Trying to Open a Credit Card Account With M & T BANK And For Some Reason My Credit Card Application Was Place On HOLD And Additional Information Needs to Be Verify There where 3 Inquiry On My XXXX and XXXX and XXXX And My Credit Card Application Is Still On HOLD And Every time I Contact : XXXX I Give My Credit Refrence Number : XXXX to the Agent at the XXXX and They Tell Me that My Application is Being Handle By a Person For Further Review and this Person Who is Reviewing My Credit Card Application Has Not Call Me or Contact me Plus a Message was Given to the Agent and the Person Who is In Charge of My Account From M & T BANK HAS NOT CALL ME YET And I want to know if I was Approved or not For The Credit Card and What Happen..

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 2020-04-13 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:
They are stating I have missed payments across a few lenders which is incorrect I have provided proof of on-time payments to each lender specifically.

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 2020-04-13 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:
They are stating I have missed payments across a few lenders which is incorrect I have provided proof of on-time payments to each lender specifically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I reacehed ot to Shellpoint Mortgage Via telephone and online for help with my Mortgage note during theis time of the state of emergency, during covid 19. Not at anytime was I able to spreak with anyone on the telephone. On Saturday.XX/XX/XXXXI received a letter from Shellpoing informing me if I needed help with my Mortgage payment too reach out a HUD approved counselor for help with my mortgage payment ( Which I did ). The HUD counselor called my lender for help she waited on hold for almost 2 hours nobody cale to the phone. I explained to her i have been going through this with my Mortgage company since XXXX, nobody comes to the phone or they keep you on hold for 2 hours wgere you hangout. Now what I dont't understand is we issued a stay at home order where people can't work but mortgage companies wont answer or help you. Next time a state of emergency happens and people won't stay home this is why. II bet you these same companies will be asking for a hand out, when the time comes. Now My hud counselor was aweome and tried so hard to help me. She also told me she has never had a mortgage company not answer the phone. The HUD number I called was XXXX. I explained to the HUD counselor the number my Mortgage company gave me to call was XXXX XXXX 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 2020-04-13 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: MO

Complaint narrative:
I attempted to submit a dispute online and was unable to be " verified '' to submit the dispute and attempted to call and was unable to reach a live person. The date is XX/XX/XXXX. Transunion credit report lists a delinquent debt with XXXX-XXXX XXXX. It states in Remarks " Full Termination/XXXX XXXX  ''. However, in pay status, it states : Current Account ''. Further, the lease terminated in XX/XX/XXXX ( and the summary states, " Last Payment Made : XX/XX/XXXX '' ) yet the summary of payments show green as if paid from XXXX. There are several issues. This account is listed as paid and terminated ( with no balance owed ) on my XXXX  Credit Report, which is accurate. I do not owe a balance on this account. In addition, there has been no activity on this account for over 13 years. Even if there was a balance ( which there is not ), this should not be listed as a negative on my credit report any longer.

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 2020-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On Thursday XX/XX/2020 at approximately XXXX I received a call from Bank of America attempting to verify a login attempt, I did not verify if over the phone, hung up and proceeded to check my account. I noticed two fraudulent XXXX transfers from my account totaling about {$1800.00} that were still being processed, I immediately called Bank of America and filed a fraud claim. My old account was locked down and a new checking account was opened where the pre-fraud balance of my old account was transferred over to by Bank of America. I was told that within 10 days I should recieve an initial decision by Bank of America about the fraud and that I would be able to call and have my direct deposit paycheck which was going to be deposited the next day ( XX/XX/2020 ) transferred over to the new account as well. I called the numbered provided by Bank of America on XX/XX/2020 looking to transfer my paycheck over to the new account from the locked account and was told since Bank of America had transferred all of the pre-fraud balance over to the new account the old account had become overdrawn due to the fraudulent charges and I would not be able to get my paycheck funds as they went towards the negative balance, I was told that I would need to wait for the 10 day mark at which point Bank of America would make an initial decision about the fraud and either reimburse me the fraud amount and continue investigation or deny my claim. Today XX/XX/2020 I called Bank of America again to check on the status of the claim as it was well past the 10 business day mark for them to make an initial decision and I had not received any correspondence in any way from Bank of America, in the call I was told that evidently an email had been sent to me on XX/XX/2020 stating that Bank of America had denied my claim since an authentication text had been sent to me and used. I do not remember receiving any such text and when I asked what options were available to me I was told the only thing that could be done was have a request for revision of the case which would essentially be just another claim but with a different analyst and would take another two weeks to have anything done. I have checked every folder on my email account and have no evidence of this email and am overall very dissatisfied with the way Bank of America has handled this fraud claim as I did everything in my power to refute the fraudulent charges and yet Bank of America has done nothing nor do they seem to care.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
: Intent to file lawsuit, HIPAA Privacy Violation 2nd Request for Validation of Debt : { PHOENIX FINANCIAL SERV } Account # XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency and I haven't received validation of the debt { CPHOENIX FINANCIAL SERV } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the collection agency and credit bureau for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Please REMOVE this debt or properly provide VALIDATION and proof that my HIPPA Rights were not violated : Please send me the following items within 15 days : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I bought house last year from XXXX, initially financed by XXXX XXXX. 
I put down 20 % down payment XXXX then transferred loan to Loancare LLC who then charged me extra {$500.00} a month for escrow. Meanwhile, I am already paying {$500.00}, thereby making it a {$1000.00} escrow payment each month. 
The company hasn't given me a proof as to why are they are justified to collect 2x my escrow amount. 
I have called the company 4 x and gotten conflicting information. One of their agents was surprised this was going on with me and the company wont let me not escrow my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: OH

Complaint narrative:
I have contacted TransUnion regarding several Bankruptcy dismissals that should be deleted on my credit report, but they have refused to honor my request stating in a letter that it is their policy to keep discharged and dismissed Bankruptcies on all credit reports for 7 to 10 years., which is a direct violation of the Fair Credit Reporting Act. Although it is their policy to keep reporting Bankruptcies that are filed/ discharged, the Fair Credit Reporting Act mentions nothing about dismissed Bankruptcies ( section 1681c ). Any case, civil or otherwise, which is dismissed no longer exist in the eyes of the law, so they have no right to maintain information which the Government has deemed nonexistent. I am asking them to send me in writing proof to their claims that Bankruptcies that have been dismissed can not be removed for 7 to 10 years or I will be forced to take legal action. It may be their policy but the law says otherwise, and they must obey 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 2020-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: GA

Complaint narrative:
On XX/XX/XXXX a debt collector by the name of XXXX called me XXXX and left a message. At XXXX that same day XXXX then called one of family members and advised them I have a debt and she called on behalf of a creditor. 

I called XXXX to understand why she was calling me and my family members before confirming whether or not the debt was mine. 

I asked XXXX if I provided the number to the reference she called. 

She said no. 
I didnt confirm the debt nor did I provide any numbers and XXXX reached out to my family by skip tracing information. 

I advised XXXX I am not responsible for this debt and she should not be calling me or more family. 

XXXX was rude and XXXX and I want to be removed from their calling list I also want the company addressed for harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT AUTHORIZED AND WHO OBTAINED MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH DAMAGE TO MY CREDIT. THIS SITUATION IS NOW BEYOND MY CONTROL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC.
State: NJ

Complaint narrative:
Regarding the COVID-19, the Homebridge loan institution in NJ hasnt been offering any type of help during this time. They have it online that they can suspend the payment for one, two, or three months but you would need to pay the full amount after your payments begin. So if you select XXXX and XXXX payments to be suspended, in XXXX you need to pay for XXXX, XXXX and XXXX. I dont see how this is any help or concern during this time. 
Why cant they have those payments to be broken down or have them pay at the end of the loan. 
Below is the information of the institution : Home Bridge Financial Homebridge Financial Services , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX NMLS ID # XXXX XXXX Homebridge Financial Services , Inc . 

I have called and after speaking to a rep, I was told that this was the only option and if you still cant make the payment then adjacent s would need to be made to your loan and that would effect your credit score. 

I dont understand these type of institutions, instead of helping in these times, they are trying to make things worse for people down the road. While on the phone and I mention to them that a similar situation happened in XXXX and after the consumer finances got involved they changed the offering ( they hung up on me as I was speaking to them about this and never got a call back ) Hope this email is helpful to make a change Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation