vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020 i walked into my local Chase financial institution and deposited what i believe was {$960.00} into an atm machine located just inside of their doors. Im not 100 % sure of the amount because fooloshly i expected the atm to count it for me. Instead of my deposit going like normal, my money was taken and i was given a receipt that said there was an error. I immediately approached the desk and asked for help but they refused and advised i would have to file a claim through the number provided on the receipt. I did tjst right away. A few days later i received notice thatu cla was denied and mu account had been closed! When i called they said no money had been located and thst after their investigation they had concluded i put RUBBER BANDS into the machine and not money. Just ridiculous. I immediately went to the bank because surely there was a mistake. While there i got no resolution and was actually escorted out by police fpr trespassing. That day i escalated to the executive level and as a result another investigation was opened. A few days ago i was given the final decision which was no different from the original decision. It was XXXX from corporate who delivered that news via voicemail. I have asked and asked for video but was told they only review it for vandalism or if a crime was committed. There was a crime and my money and account are gone now. Please help!!! I can not afford this and have been put in a major bind because of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-30 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: UT

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AAA Auto Title Loans, LLC
State: NV

Complaint narrative:
Loan with company : CASH1 I am struggling to make payments due to several personal circumstances.

When called the Cash 1 Prelegal Department ( XXXX ) to arrange a payment plan, someone by the name of XXXX responded. I told her the reason why I was behind on my payments and that because of a family emergency, I had to travel out of the country. She said, " that I travel too much and that was the reason I could not pay my loan '' she also said " you are not going to tell me how you want to repay this loan '' among other things. I have been a customer of this company for several years. I am not happy with the way this person responded to me, even when I told her I wanted to repay every cent and needed help repaying with a NV Plan like they have done in the past. 

As of XX/XX/2020 Loan ID : XXXX Balance : XXXX XXXX ID : XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
My third request in attempt to obtain verification from a debt collection agency about a consumer debt I'am disputing.. A certified letter ( was mailed on XX/XX/2020. As of to date, more than 30 days later, I have not received any correspondences from the debt collection agency.

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 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have four inquiries from XXXX XXXX XXXX  that Im trying to get removed immediately. I reported my ID stolen early XXXX and Im still receiving inquiries also tickets in the mail. 
XXXX XXXX  hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am writing to you about the succeeding Synchrony accounts : 1.SYNCB/XXXX # XXXX, opened date XX/XX/XXXX, limit {$2000.00}. 
2.SYNCB/AMAZON # XXXX, opened date XX/XX/XXXX, limit {$3000.00}. 
3.SYNCB/CARE CREDIT # XXXX, opened date XX/XX/XXXX, limit {$5300.00}. 
4.SYNCB/MENS/WEARHOUSE # XXXX, opened date XX/XX/XXXX, limit {$4000.00}. 
5.SYNCB/XXXX # XXXX, opened date XX/XX/XXXX, limit {$2000.00}. 

I have suffered Damages : emotional stress, denial of lines of credit, high interest rates, etc. due to this situation. I want the items off my report. My demand is based on the following actions committed by the company : Inconsistent information across buraus : Different amount of late payments. This has caused a big negative impact in my credit score, Failing to send the required notice by mail about negative information reported, etc.

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 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In a response I received from Wells Fargo Home Mortgage today, XX/XX/XXXX, they claimed they had already removed me from forbearance. Their response in writing is a lie. When I checked my online account, it stated I was still in forbearance. When I called XXXX today, they also stated that I hadn't been removed yet. 
Also in their response, they claimed that my statements were accurate. Another lie. My statements have not been accurate and they are still not accurate. I made 4 mortgage payments in XXXX, XXXX. One payment was in the amount of {$1000.00} + change, and the other 3 payments were in the amount of {$1100.00} each. 2 of the payments for {$1100.00} have not been applied to my mortgage account. I called XXXX and spoke with a rep. She could not explain WHY the payments were not applied to my account. She said she would connect me with an executive. I was then put on hold and disconnected. I called 2 more times and was disconnected before I even had the chance to speak with anyone. The 3rd time I spoke with an executive and she could not explain why my payments were not applied. The told me she would have to open ANOTHER CASE. Wells Fargo has already claimed in writing that my statements are accurate, but they can not explain to me why my payments have not been applied to my account. I am convinced there is not a more corrupt or dishonest bank than Wells Fargo.

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 2020-10-30 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: TX

Complaint narrative:
i have disputed with you many times inaccurate information and unverified that is holding me back from getting a new vehicle

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 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
This complaint is in regards to the CARES Act and the inability of Citizen One Bank ( COB ) to timely remove my request from Forbearance, their tactics and handling of the process. Simply stated they are leveraging the Forbearance provision in the CARES Act to collect payments versus helping people. 

In late XXXX I requested Forbearance from a COB mortgage for a home that is rented to a real estate agent. COB approved the Forbearance but did not notify me for until late XXXX forcing me to make a payment prior. So I accepted the Forbearance for the XXXX and XXXX payment. 

In XXXX, I was able to begin making payments and began doing so. Again and unbeknown to me COB extended the Forbearance without notifying at all, no email, no phone call, nothing in the mail until they had already extended for another 90 days. I continue to make my payments and immediately contact them to get me out of Forbearance. COB stated they could not remove me from Forbearance until their Loss Mitigation Department had approved for the two unpaid balance to be deferred. They first stated it would take 10 days, then 30 days, and after 60 days it they still had no idea when they would get to the approved deferral. 

The reason I ( and probably many others ) wanted out of the Forbearance is because we had a great opportunity to refinance our home mortgages at much lower rates. In light of the pandemic, this was a blessing to restructure this debt but it could not be done until the Forbearance closed was at least 2 months of regular payments were made. 

I finally just had to repurpose some other bills to immediately pay the two months balance which was the only way the COB Loss Mitigation Department would remove me from Forbearance. And even so, they were incredibly hesitant to do so without immediate payment because if I did immediate pay the balance I could be reported to credit agencies.

So if COB had any interest in complying with the law, they did so in a shameful and wirily way. First they did not let me know in time to take advantage of 90 days of Forbearance, 2nd they extended the Forbearance without any approve or consideration from me, 3rd the locked me into a long and extended means of approving a deferral, and finally treated the Forbearance like a credit collection event versus the assistance that the CARES Act provided for and was intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
I have been struggling with the servicing department at Dovenmuhle regarding setting up an auto-draft of bi-weekly payments. I finally got it setup, and because their form is contradictory, they setup my bi-weekly payment to include an extra principal amount of {$200.00}. When completing the form my intention was to make a draft of {$100.00} with each bi-weekly payment. 

I contacted their servicing department. The only way to change it is by sending an email to a strange email address. The customer service representative was very rude ( as have been all of their representatives ). She sent me an email and said I should respond to it. She would not include my loan number in the email, but said I had to include it in the subject heading in order for my request to be processed properly. I asked her why it was okay for me to respond to a non-secure email with my non-public information, but it was not okay for her to send it to me. She did not offer to setup a secure portal to communicate securely. I asked to speak with her supervisor. I was placed on hold, then after about a half an hour on hold, the phone line disconnected. When I tried to call back, the message said that they are now closed. 

The representative could not guarantee that they will draft the correct amount when the first draft is scheduled. This is not in the consumer 's best interest. This servicing company continually provides worst in class service, has systems which are not up-to date, and do not have systems in place to protect my non-public information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope you can help me out with this problem. Back in XXXX of this year I file disputes with all 3 credit bureaus. I find it unacceptable that I havent got any response from any of them. I understand things have gotten slow since covid start but this is crazy to be almost two months and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: UT

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame

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 2020-10-30 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: CA

Complaint narrative:
I check my FICO score through XXXX XXXX XXXX frequently.

Last month my FICO score was XXXX.

Last night, XX/XX/XXXX my fico score was XXXX.

This 30- point drop alarmed me.

I called XXXX XXXX XXXX in hopes of getting some insight on what caused the decrease in credit score. I was redirected by my bank to order a credit report on XXXX I Requested all 3 XXXX, TXXXX, Experian credit reports ( attached ) The report revealed : Two social security numbers, two names, and multiple soft inquiries.

On XX/XX/XXXX I called each agency, representatives suggested calling the other agencies to find answers.

Each agency said they did not see two social security numbers.

Summary : NO EXPLAINATION for 30-point drop was given. Please explain why?

Credit reporting bureau did not see two separate SSN. Please explain why?

Still no answers.

NOTE : My most recent activity was opening a XXXX XXXX XXXX. This was done in Early XX/XX/XXXX However, my credit report at the end of XX/XX/XXXX was still XXXX. Why was there a dramatic drop in XXXX  with no late payments, no hard inquiries? Why is there an additional unidentified social security number?

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 2020-10-30 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: GA

Complaint narrative:
There has been a breach in my personal information in the world wide web causing that accounts be opened with out my consent, these fraudulent accounts needs to be removed from my file immediately, I have already contact the creditor and they ask me to fill out an FTC report which is attached.

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 2020-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc.
State: CT

Complaint narrative:
An account was opened in my name to which I had reported to the company itself and the ftc. The company in question is refusing to remove my name from the account because they feel I wasn't a victim of identity theft even after I explained the details of how any why it happened, they in turn notify me that that im still being held responsible. I lost my pocketbook that contained my wallet, keys, phone etc. My information was used to create accounts, my debit card was used for purchases as well. No police report was made because they didn't feel a lost bag was anything to report. It wasn't lost in result of a crime ( being stolen ) from what I was told and they can't help with identity theft. 

I wrote 2 affidavits regarding this and sent it to them, they're rejecting both because it's not from their website. I explained I do not have a printer to print 8 pages, notarize it and mail it out but that all the question asked on their form was addressed. They just referred me back to print out forms from their website.

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 2020-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
on Tue, XX/XX/2020 at XXXX XXXX i received a marketing email from American Express. I have in previous complaints noted that i filed a request to remove my name and business names i have used or used previously from Amex marketing. I was sent a American Express Gold Card for Business application and i was denied the credit card. These new marketing material continue to make it difficult for me to build my credit and obtain high quality credit card offers. I am even being sent a package to my home, which i will not want to use because it could cause further negative credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sarma
State: MI

Complaint narrative:
CEASE & DESIST and dispute of XXXX XXXX XXXX  acct ending in XXXX and XXXX This letter is in response to the phone calls and letters I have been receiving from you. According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call me at home, at work, on my cell phone or at any other location. Further, this XXXX account is not my responsibility, allow me to say that again, you are attempting to collect from me a debt I do not have any legal obligation to pay. Now that you have received this Ceasing Communication letter, in accordance with the federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will be taken. Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming there will be no further contact and except notification of a specific action you intend to take, is in violation of the Fair Debt Collection Practices Act. I am also aware that any contact you make to a 3rd party concerning me is also in violation of the Fair Debt Collection Practices Act, specifically Section 805 ( b ) 2. Regards, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Mi XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: PA

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was trying to get my free TransUnion Credit Report, and due to the deceptive nature of the TransUnion website ended up subscribing to their monthly Credit Reporting service. 

Here are a list of things that make this especially deceptive : - Only text that mentions a subscription or price is very small on the homepage, and looks like typical legal copy. 
- Call to Action button on the homepage reads " Yes, Show Me My Score '', which does not hint at a subscription service, or even a purchase. 
- There is no confirmation page which breaks down the fees and charges. Showing this information is an extremely common pattern on nearly any digital purchasing platform, and my belief is it is being intentionally left out so that users don't know they are subscribing to a service. 
- Nowhere on their website ( transunion.com ) do they mention the actual free credit report ( consumer disclosure ). 
- I have done a search and found that many other people have fallen into the same subscription trap as 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 monetary relief
Consumer complaint received 2020-10-30 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: TX

Complaint narrative:
i have disputed with you many times inaccurate information and unverified that is holding me back from getting a new vehicle

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 2020-10-30 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: TX

Complaint narrative:
i have disputed with you many times inaccurate information and unverified that is holding me back from getting a new vehicle

Company response to consumer: Closed with explanation