vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian allowed XXXX to illegally obtain a hard pull on my credit profile without my consent or permission.This unauthorized inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/2015 XXXX XXXX entered me into the EWS with accusations that I abused my bank accounted stating that the combined loss and fee reversal ended in a total of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: AR

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items from my credit report. 

XXXX  XXXX XXXX {$180.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$790.00} BANKRUPTCY CHAPTER 7-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Thanks to cfpb, SPS is trying to help me with my current mortgage situation after my home was destroyed along with 600 other in the WOOLSEY FIRE   on XX/XX/XXXX Fema disaster number XXXX. My Fema disaster number XXXX After trying for 6 months and being pushed around from department to department, I FINALLY recieved some resolution from XXXX XXXX from the Ombudsman. Again this was only after I had to file a complaint. XXXX and I worked out an agreement that I would be paying XXXX starting in XXXX for 6 months, and repay with a balloon payment at the end. I tried to push all my payments off until after the rebuild and apply to my principle, but this was not an option. That would have been nice and less stressful for me because it has not been easy to have to come up with a mortgage payment on a home that is no longer there and having to pay rent else where. 
I have been making the payments, but SPS has reported the XXXX payments late. This is now effecting my credit. I have perfect credit, but now this is an issue. I called to find out what was going on about the reporting to the credit bureaus and have heard nothing. 
I also asked XXXX about what she could do to help me being a Fema victim and she said that I am not marked a Fema victim and she could not call Fema and ask them. 
This was not in her job title. 
I called Fema and they do not send out letter to mortgage companies stating so. So here I stand a victim but SPS not acknowledging it? 
Fema said all they have to do is call the 800 Fema number and give those case numbers and they would confirm it. 
The Woolsey fire  has been declared a Natural Disaster thru XX/XX/XXXX and may go on longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: TN

Complaint narrative:
Problem is with Fidelity Credit Card, Elan Financial Services. They owe me a refund of {$6600.00} for an accidental over payment of my account. The problem has been going on since XX/XX/2019. I have received a constant runaround from XXXX. Need assistance ASAP!

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 2020-02-10 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: TN

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DPT ED/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
While working to refinance my mortgage, I checked several companies to find out their rates and serving fees. I followed up with 3 companies ... my original loan provider was XXXX and 2 others I assumed were recommended by my credit union, XXXX XXXX and Amerisave. My understanding was that I would put down a deposit of between {$500.00} and {$450.00} which was refundable if I chose not to go with their company.

Only one company, Amerisave refused to refund my deposit of {$500.00}. They originally told me that I would not have to go through an inspection, since I already had a recent inspection ( less than 3 years ago ). Then another representative the following week called and said I would have to have one. I let them know that I did not want to go through with the loan if it required an inspection. This would make their servicing fees as expensive as the other companies. 

Today XX/XX/2020, I reached out to the agent and was told the {$500.00} was an inspection fee that was nonrefundable, even though I did not go through an inspection. I told the agent I would not be going through with the loan and wanted the {$500.00} returned to my account, he refused. No other company I have worked with has charged me for servicing of a loan I have not gone through with and with no servicing of an inspector.

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 2020-02-10 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Syncrony Bank offers insurance on the balance of your credit card in case of disability or  death the account would be paid in full. 
I filed such a claim and still after Ive sent them my XXXX information and the notes from my XXXX XXXX which has XXXX me it was never enough they wanted me to have the doctor who admitted me to the hospital only that was a long time ago. They have added late fees, interest on top of my credit line and now my credit is ruined. 
They now say I didnt have that coverage but I have my statements that prove I did until the day I filed the claim then they removed it. 
My credit is everything and I dont see why they are allowed to charge someone for something and when they try to use it they say months later they dont have 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 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Due to missed payments on our mortgage, we applied for a loan modification to XXXX XXXX  in mid XXXX The application was being processed, and had gotten to the point at which ALL DOCUMENTS WERE RECIEVED, and the process was moving forward. We kept checking in with XXXX XXXX and they kept saying nothing else was needed. Then close to the end of XXXX, we checked again, to be told that our loan was being transferred to RUSHMORE LOAN MANAGEMENT, and they can not give us any information. I called Rushmore, and they informed me that they do not have all the documents from the prior Servicer, so we would have to wait. We were advised by Rushmore, that the entire transfer process takes 30 days. We still kept calling and for about 3 weeks, were still being told that they dont have all the documents from XXXX XXXX and we still have to wait. All THIS TIME WE WERE SHUT OUT OF THE PROCESS, THERE WAS A PENDING SALE DATE OF XX/XX/XXXX! 

Then someone called us back from Rushmore and asked us to resend the documents to them, as they still did not get all the documents from XXXX XXXX. They also asked us to send the insurance declaration page. We sent all the documents they requested, BEFORE the 37 days window! Then I called this morning to follow up on the modification, and was told that the process was closed out because they did not get the documents requested. The agent did confirm that they received the documents we sent BEFORE the 37 days window, but says he did not see the insurance declaration page, so they closed it out because they didnt see that page. Fact is, we sent the declaration page, which apparently didnt transmit properly, which is normal, when sending documents. They could have told us they didnt get that one document and I would have immediately resent it. I asked the agent if the bank had called to inform us that that page was missing, or even sent a letter, and HE REFUSED TO ANSWER THAT QUESTION. 

So now, why should we stand the consequence of the BOTH banks delaying our modification process, with a sale date pending??? We called many times but none of the banks were able to give us any info, because of the pending transfer, and we were told they needed 30 days. The time lost during the transfer should have been given back to us, by extending the sale date. THIS IS NOT FAIR.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
DO NOT EVER USE THIS COMPANY IF YOUR LOAN IS SOLD TO THEM YOU ARE BETTER OFF HOMELESS. I HAVE COMPLAINED AGAINST THIS COMPANY MULTIPLE TIMES. THEY WILL DO ANYTHING THEY CAN TO MAKE YOUR LOAN A HORRIFIC NIGHTMARE. FEES, RUDE INCOMPETENT EMPLOYEES. I HAD A LATE PAYMENT, I CALLED AND LET THEM KNOW A DATE I WOULD PAY. THEY LOCKED ME OUT OF MY ACCOUNT. I CALLED THEM THEY ARE REFUSING TO ACCEPT MY PAYMENT. I REFUSE TO GIVE THEM MY NUMBER AGAIN BECAUSE THEY CALL AND HARASS YOU. I SPOKE TO THREE REPRESENTATIVE THEY WILL NOT GIVE YOU A SUPERVISOR THEY WILL CONTINUE TO ASK RIDICULOUS QUESTION AND PLAY COI. I HAVE CONTACTED A LAWYER AND WILL BE SUING THEM. 

RUN FAR FAR FAR AWAY!!!!!!!

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 2020-02-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Hi, On XX/XX/2019, I opened checking and savings accounts with Citizens Bank pursuant to a promotional flier I had received in the mail ( the initial offer code didn't work, so I emailed the bank and received another one ). The flier advertised that if kept {$15000.00} in a new savings account for three months, the bank would give you a {$200.00} bonus. I was opening the account online, so I called Citizens Bank 's customer service line to ensure I was jumping through the proper hoops. They assured me that if I simply opened the account and transferred over {$15000.00} to it, I would be given the {$200.00} bonus once I had kept the money in the account for the required length of time.

Fast forward four months later ( after I had met the required time listed on the flier ), I had still not received the bonus that the promotional offer had promised. I called the  bank again on multiple occasions, and they told me that I had not meant a requirement that the {$15000.00} be used to open the savings account. Because I had initially opened the account without the funds and then proceeded to initiate a transfer from another bank account afterwards, they couldn't give the money. This was a clear violation of what the prior customer service representative had told me, and what the chart on their flier said were the terms of the promotional offer. Reading the fine print, I came to understand how the could interpret the fine print to impose such a requirement, but it was by no means obvious, and the customer service call and basic thrust of their flier had tricked me. I continually tried to explain what had happened over the phone, but the bank 's customer service representatives refused to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-10 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: TN

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 120 )  days late on the DPT ED/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-02-10 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: IN

Complaint narrative:
Transunion will not remove a ch XXXX bankruptcy that is fraudulently on my report. The date filed is showing XX/XX/XXXX and the date updated is XX/XX/XXXX from the CH XXXX bankruptcy attorney XXXX  XXXX XXXX US Bankruptcy Court. Very frustrating! Tried calling today and a very rude representative absolutely would not remove this public record stating that Transunion did not have any documents on file which is not true. I have been sending them documents since XX/XX/2019. They just would refuse to fix it. I need help. I'm attaching all documents that I can and I would like resolution to this. Its ' very unfair to have a false bankruptcy listed on all my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
For about 5 years, I banked with Chase through the use of a college checking account. Under this account, I was able to overdraft my account without an overdraft charge as long as I deposited the amount I overused that day by XXXX XXXX. 

This was something I regularly did and avoided being charge as I made sure the money I overspent was in the account by XXXX XXXX  that very same day. I did this for years until my senior year ( XX/XX/XXXX-XX/XX/XXXX) when I began to notice that I was being held responsible for the overdraft fees even though I was honoring the XXXX XXXX ( PST ) deadline as I live in California. 

Whenever I would I try to inquiry why I was receiving these charges I was told that the money was not in the account by the appropriate deadline and was held responsible numerous times for the {$34.00} overdraft fee per transaction. 

Repeatedly, I would attempt to connect with someone who could identify why this was going on but chase would never provided me with further information. It was not until months later, that a supervisor I spoke with was able to identify that the system had changed my time zone from PST to EST. Which is why I was being held accountable for the overdraft fees even though I was honoring the terms of my college checking account. 

Chase refused to refund me the overdraft fees I paid for as this was taking place asides from the ones that had taken place the date the discrepancy was identified. 

I closed my account with Chase in early XX/XX/XXXX due to them constantly taking advantage of me. 

Just this XX/XX/XXXX, I received a check from Chase for {$100.00}. The letter the check came in vaguely explained that I was being refunded for being overcharged. When I called Chase to understand the exact terms of the refund they refused to provide me further information as I do not have an account with them. 

I am reaching out as I suspect that Chase owes me more than {$100.00} for being overcharged while banking with them and would like to attain more information regarding my concerns with the overdraft fees I paid for during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Someone stole my debit card in fraudulently charged several items to my credit card after I reported these charges to chase chase reimbursed me for partial of my items but did not replace my last item or refund it due to the XXXX  for our liability

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: PA

Complaint narrative:
XXXX  is the company, along with Experian. 


This continues to be a nightmare with XXXX, i am not able to apply for another work opportunity due to multiple multiple FCRA violations in which XXXX  continues with willful intent to ignore. Numerous disputes with XXXX  for over a year now have fallen on deaf ear, and it shows up as not disputed ; why? XXXX   shows a different address from what Experian has ; neither credit reporting agency will provide a telephone number. Consumer Protection Finance Bureau has previously reached out to this corporation as well under complaint number XXXX and this corporation has stated it does not belong to them. This isnt making sense, i need to see the documents showing proof this alleged debt is mine.XXXX  also needs to show in writing the step by step independent investigation performed. This company name on the report shows XXXX XXXX XXXX, account # XXXX. 

This company has various names including XXXX XXXX XXXX. XXXX  has deleted this non-verified inaccuracy, so if XXXX  can not verify, how has XXXX   and Experian conducted an independent investigation for verification? 

There are too many FCRA violations to place without making this a long complaint. Experian shows a XXXX XXXX XXXX XXXX, XXXX TX XXXX for an address without a phone number, and TransUnion shows an address of XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, which is a registered agent for this company and/or companies. 
TransUnion is showing a payment on XX/XX/2019, and Experian just states that a recent payment was made, who paid? Experian also is showing an unfamiliar name on the report as XXXX XXXX, who is that? A charge off showing a balance due? Wow, i am flabbergasted as to how employees are trained here. As previously stated, there are too many FCRA violations to report here without making a long drawn claim. 

Thank you for your time. 

By : 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 2020-02-10 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: AR

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items from my credit report. 

XXXX  XXXX XXXX {$180.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$790.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

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 2020-02-10 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: AR

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items from my credit report. 

XXXX  XXXX XXXX {$180.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$790.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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