vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-26 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
I have contacted XXXX XXXX XXXX for XXXX XXXX and National Credit Systems for XXXX XXXX. regarding these fraudulent accounts and they have yet to respond or block these accounts from my credit report. These accounts are not mine I have the identity theft report to support this claim. I am also a victim of the XXXX  data breach, and I am handling that situation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I fell behind in my payment because of loss of income. I'm currently 5 months behind. I been making consistently payments for the last 5 months including XX/XX/XXXX payment now that I'm back to work. 

I tried working with Select Portfolio Service Company to offer me a catch a plan that is affordable not something that is out of reach. I was offered a catch up plan in XX/XX/XXXX but it was completely out of reach they added a XXXX on top of my monthly payment loan knowing I will fail to make a payment. I contacted Select Portfolio Service to see if I can get a lower catch up plan, but was always told nothing was available. 

XX/XX/XXXX received a letter from Select Portfolio Servicing saying my account has been referred for Legal Action. I also received a letter XXXX XXXX XXXX XXXX. XX/XX/XXXX My loan in very complex because it was part of the failure of XXXX XXXX XXXX and now XXXX XXXX XXXX trustee scandal back in XXXX. I have a silent second for the $ XXXX that was tacked on to my loan. 

I was also told recently they offered me a catch p plan of XXXX dollars a month more back in XXXX but it was verbally nothing in writing. 

Can you please Contact Select Portfolio Services on behalf ask why I do not have a catch up plan that is reasonable. 


Loan # XXXX XXXX Their address is Select Portfolio Servicing XXXX Inc XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX by fax XXXX XXXX email 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 2019-12-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
We do not have an account with this bank We received emails asking us to verify info. 
We suspect the emails are scams Addresses on our emails ... 
HSBC Group <XXXX> HSBC Group <XXXX> Textin emails ... 
Dear Customer Your account has been suspended due to suspicious activities. 

We're letting you know that you have exceeded the maximum number of attempts to authenticate with your credentials. As a result, for your protection, we temporarily suspended your ability to access your account online and to receive codes. 


Verify your Access You have to reactivate your account within the next 24 Hours in order to continue using it. 

Thank you for choosing HSBC for your banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My name is XXXX XXXX and I was looking to purchase a house with 25 % down payment with a conventional 30 yr mortgage. XX/XX/XXXX I entered an agreement of sale to purchase a house and a settlement date of XXXX XXXX. I had already started the mortgage process with XXXX XXXX, of bank of america ( nmls id # XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. On XX/XX/XXXX, I met with XXXX, gave him various documentation related to the loan and finalized our application and I gave him my credit card information for the appraisal and whatever fees were necessary. The next couple weeks he asked for additional various items to complete our paperwork. XX/XX/XXXX XXXX sent me an email that I have provided everything he asked for. XX/XX/XXXX the loan commitment or denial was due and neither were submitted. XX/XX/XXXX XXXX has no answers on whether my loan commitment was accepted of denied and has no idea when an appraisal will happen. XX/XX/XXXX he stated we will not close on XX/XX/XXXX with no other explanations or answers. XX/XX/XXXX, of course we did not close. XXXX XXXX I notified the bank in frustration, I will not be using them to purchase the house. XXXX XXXX, out of the blue ( 18 days after it's due, 3 days after I told them I will not be using BOA and 5 days after I was supposed to settle on the loan ) they miraculously give me a loan commitment letter. 


I find it strange that on XX/XX/XXXX XXXX XXXX starts sending me emails asking me to withdrawl the loan, when it's actually BOA that isn't able to fulfill the contract. I did everything that was asked of me and everything I could do in a timely manner. I did not want to withdrawl. I find this behavior to be very strange and leads me to believe that something suspicious is going on. 

I ended up having to use another bank, start the process all over again and finally end up buying the house 3 weeks later. 

I find it hard to believe that banks and loan officers are allowed to operate in such a haphazard, irresponsible manner in a regulated and licensed industry. Are bank allowed to deny loans 8 days before settlement with no explanation? I submitted payment for an appraisal on XX/XX/20 and a appraisal was never done, or scheduled. Bank of America and XXXX XXXX should be held accountable for their actions. They cant be allowed to operate in this manner. Theres no recourse or repercussions for their negligence! This is simply wrong!

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 2019-12-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2019-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: NY

Complaint narrative:
My loan is at a fixed interest rate of 4.29 % for a total loan amount of {$3100.00}. 

Whenever I pay a payment, accrued interested has been anywhere between 20 % - 65 %. For example, one month I paid XXXX {$37.00} went to the actual loan while XXXX went to interest. Other months I've paid {$50.00} when XXXX went to interest and XXXX went to the actual loan. Every time I go to pay, this is happening. I don't agree with their interest accrued formula and how much they taking for interest. 

When I applied to the school they advertised my fixed rate with no information about this " accrued interest '' Between the school 's false advertising and the lendors interest formula this is a serious scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: CO

Complaint narrative:
In XX/XX/2019 I was received urgent care services from XXXX XXXX. After I received these services, I was informed that I would receive a bill in the mail. I never did receive any such bill. In XXXX of 2019, my credit monitoring service informed my that the account had been referred to collections. I also have not received any bills from the collections agency. 

Immediately after learning that my account was in collections, I disputed the information with the XXXX. I received a response claiming that my dispute was invalid. The response did not contain a reason for the rejection, nor a promise to send bills as requested or any information I could actually use to resolve the debt ( account number, etc ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have a loan with DEPT OF ED/NELNET. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both 3 Bureaus and DEPT OF ED/NELNET with no successful resolution. 3 Bureaus only reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: FL

Complaint narrative:
There was a fraudulant debit aganist my account on XX/XX/2019 i contacted purpose card concerning this matter. They explained to me they were aware and cut my card off right before XXXX without my knowledge. I explained to them that was the only money i had was in there account and i needed my card reinstated to buy groceries. They would not turn my card back on and i have not heard from them since. I have no access to my money at all.

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 2019-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX provider and Bank of America. I subscribed for a limited channel after 3 months the rent was increased for reason of more channels. I declined, telling them I do not need any more channels to watch. They continue charging me more so I CANCELLED the service in XXXX. In XXXX they charged me {$99.00} for unreturned equipment. I asked ( phone and tru E-mail ) them what kind of equipment. I took them a long time for the reply. They finally told me it was the XXXX. On XX/XX/XXXX I sent it back thru XXXX. and went to BOA office in XXXX XXXX, Ca. to dispute the charged of {$99.00}. On that day Financial Officer of BOA called XXXX  and told them the the XXXX was returned by XXXX  and gave all pertinent info including the tracking number. XXXX   agreed to reversed ( CREDIT ) the charged.XXXX promised the credit in 2 weeks. XXXX   still pursue to charged me {$99.00} for unreturned equipment that I returned in XX/XX/XXXX by XXXX. From XXXX XXXX XXXX I have called BOA ( 4 different times ) giving them info about the receipt from XXXX. I am very angry with BOA. We have 3 accounts and mortgage account with them and they are not helping me as customer, instead siding with XXXX. The charge of {$9900.00} for " unreturned equipment '' is unethical. I really need your help in resolving this UNETHICAL CHARGED. Thank you and I am grateful. 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 2019-12-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have issue a with XXXX XXXX XXXX that Sears has issued a fraudulent charge to XXXX   XXXX XXXX that I authorize at the purchase of appliances ( XXXX XXXX and XXXX ). All three were supposed to be charged to my XXXX XXXX XXXX XXXX XXXX. The XXXX  was charged but the XXXX and XXXX was charged to XXXX XXXX XXXX  card that I didnt knowingly approved nor use to charge for the appliances. 

I contacted XXXX XXXX XXXX for 6 months terminate this card and charged the total balance to my XXXX  cards and removed the fraudulent late payments and two 30 days derogatory late notices. They removed the late fees and 1 late notices. But refuse remove the one remaining 30 late payment on all 3 of credit agencies. They also refuse to allow me pay off the balance of the credit debt.

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 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion removed the fake addresses, places where I have never lived or done business, put there by identity theft. However, TransUnion didn't update my personal information to remove old addresses, places I lived more than 10 years ago. TransUnion has got an address on my credit report that is 13 years old. I have repeatedly asked and tried to update my credit report to remove the old, outdated information, but TransUnion is clinging to the old, outdated addresses, which don't reflect me, or my life, or anything about 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 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2019, I submitted a request for verification of bankruptcy regarding bankruptcy that is on my credit report. The request for verification was sent via certified mail with a delivery receipt and was received on XX/XX/2019, as can be seen in the attached scan. I waited the 15-days for a response, as stated in the FCRA, with no response from the credit bureau being provided. On XX/XX/2019, I sent another certified letter with a delivery receipt, explaining that I have not received communication back regarding my request for verification of the bankruptcy that is on my account and expressed the need to have the bankruptcy deleted as it is negatively impacting my financial status. The most recent letter was received on XX/XX/2019. As of today, I have not heard anything back specifically addressing the verification of the bankruptcy that is on my account. Today is XX/XX/2019, and it has been over 30-days since the initial letter was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2019-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PayPal Credit is the problem and only this aspect of PayPal. I have had my account placed on a temporary hold after paying my complete balance at least three times in this first 6 months using PayPal credit. These holds started at 7 days and the most recent hold has lasted half of XXXX starting on XX/XX/19 and being delayed on into the XXXX XXXX. My bank account is the same Ive always used with PayPal and yet they keep freezing my account for longer periods. PayPals customer service are mystified as to why these holds keep occurring, so I am filing a complaint here in hopes my concerns will be acted on or at the very least warn other consumers.

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 2019-12-26 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: CA

Complaint narrative:
I have issue a with XXXX XXXX XXXX that XXXX has issued a fraudulent charge to XXXX XXXX XXXX that I authorize at the purchase of appliances ( washer, dryer and vacuum ). All three were supposed to be charged to my XXXX XXXX XXXX XXXX XXXX. The vacuum was charged but the water and dryer was charged to XXXX XXXX XXXX card that I didnt knowingly approved nor use to charge for the appliances. 

I contacted XXXX XXXX XXXX for 6 months terminate this card and charged the total balance to my XXXX  cards and removed the fraudulent late payments and two 30 days derogatory late notices. They removed the late fees and 1 late notices. But refuse remove the one remaining 30 late payment on all 3 of credit agencies. They also refuse to allow me pay off the balance of the credit debt.

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 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2019, I submitted a request for verification of bankruptcy regarding bankruptcy that is on my credit report. The request for verification was sent via certified mail with a delivery receipt and was received on XX/XX/2019, as can be seen in the attached scan. I waited the 15-days for a response, as stated in the FCRA, with no response from the credit bureau being provided. On XX/XX/2019, I sent another certified letter with a delivery receipt, explaining that I have not received communication back regarding my request for verification of the bankruptcy that is on my account and expressed the need to have the bankruptcy deleted as it is negatively impacting my financial status. The most recent letter was received on XX/XX/2019. As of today, I have not heard anything back specifically addressing the verification of the bankruptcy that is on my account. Today is XX/XX/2019, and it has been over 30-days since the initial letter was received.

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 2019-12-26 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: Professional Recovery Management
State: FL

Complaint narrative:
Good evening, my name is XXXX XXXX. I have been in distress from the inaccuracy of information i have viewed on my credit profile. I have sent in several certified letters in the past weeks for the inaccurate account that was placed on my credit file. I am not aware of the incorrect information and i am looking to investigate this matter through the attorney generals office in XXXX if this isn't removed immediately and permanently. I have attached a letter for you to look at. I am advising that a human take a look at this and i am not accepting any E Oscar disputes methods. I want a human dispute of an internal dispute. No E Oscar generated code letters or verifications please. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: CA

Complaint narrative:
I made all my payments on-time, I never missed any payments. I called XXXX and they even confirmed I do not owe any balance. They can't tell me why they sent me to debt collections.

Company response to consumer: Closed with explanation