vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: PA

Complaint narrative:
I had to open a US bank reiacard to receive Unemployment payments. First issue came about a month later when I attempted to make to second transfer of funds to my local bank, JSSB. The first time I transferred, there were no issues. Now I have my account locked and funds frozen. I called the customer support on the card and spoke many times with someone who explained to me that I needed to verify my Identity. This was started XX/XX/2020. I have faxed over the appropriate information that was asked of me. After 10 days, I called again and they received nothing is what they said. I have sent them over again on two other separate occasions. But now I'm wondering if I was even talking to the right people and had sent over my copied valid drivers license. No one has been able to give me an answer. I call and ask to speak with someone and get deliberately hung up on. Would like to know what is going on and how to access my funds and accounts. I need that money, I have bills to pay. PLEASE HELP.

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 2020-10-05 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: PA

Complaint narrative:
I requested all three of my credit reports from all three bureaus back in XXXX. Upon receiving and reviewing these reports I found numerous fraudulent accounts had been established in my name in fraud, by someone who used my personal information. I began the dispute process immediately by both contacting the credit bureaus and creditors where the fraud accounts originated from. I wrote each bureau ( XXXX, Experian, XXXX  ) very detailed letters and supplied them with proof ( Police Reports, Photo ID, ID Theft Reports ) I asked them to supply me with proof they they had on these debts/fraud accts, etc. 

Proof I asked them for was signed contracts of these accounts, IP addresses, physical mailing addresses, logins, bank accounts associates with these debts0 They have refused to supply me with this information and still reporting these fraudulent accounts because the creditors allegedy verified with them ( baiscally the creditors is paying them to report this fraudulent information )

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 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Dear Executive office ; How are you doing during this pandemic? I'm sure during this pandemic we all got affected tremendously, however, I was shocked and surprised to find out the late payments remark on XX/XX/2020 for 30 days. I found that when I was reviewing my credit and on my credit report between the 3 bureaus, it keeps showing different information. 

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 check 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 monetary relief
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Madison McDuffie Mortgage Corporation
State: CA

Complaint narrative:
We refinanced with Mason Mcduffie mortgage corporation. In XXXX we received a notice saying that are loan will get transferred and theyll let us know more when it does. We never received a servicing transfer notice that tells us it has been transferred and to whom are payments will be going to. So we kept sending our payments to mason mcduffie and the money was taken out of our accounts. We then got a notice from a collection agency months later. We now have several late payment fees and a payment that doesnt show. We are in the process of sending XXXX  ( new servicing company ) proof of payment. But they will only credit one late fee. Which is unacceptable. We are never late on payment. And now Im afraid this affected our credit also. There were several phone calls with mason mcduffie about payments made to them and not once was it mentioned were sending the mortgage payment to the wrong place.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: SC

Complaint narrative:
Debt was satisfied with the original creditor in full for XXXX . Attached is verification of satisfied debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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:
I requested all three of my credit reports from all three bureaus back in XXXX. Upon receiving and reviewing these reports I found numerous fraudulent accounts had been established in my name in fraud, by someone who used my personal information. I began the dispute process immediately by both contacting the credit bureaus and creditors where the fraud accounts originated from. I wrote each bureau ( XXXX, XXXX, Equifax XXXX very detailed letters and supplied them with proof ( Police Reports, Photo ID, ID Theft Reports ) I asked them to supply me with proof they they had on these debts/fraud accts, etc. 

Proof I asked them for was signed contracts of these accounts, IP addresses, physical mailing addresses, logins, bank accounts associates with these debts0 They have refused to supply me with this information and still reporting these fraudulent accounts because the creditors allegedy verified with them ( baiscally the creditors is paying them to report this fraudulent information )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: PA

Complaint narrative:
I requested all three of my credit reports from all three bureaus back in XXXX. Upon receiving and reviewing these reports I found numerous fraudulent accounts had been established in my name in fraud, by someone who used my personal information. I began the dispute process immediately by both contacting the credit bureaus and creditors where the fraud accounts originated from. I wrote each bureau ( Transunion, XXXX, XXXX  ) very detailed letters and supplied them with proof ( Police Reports, Photo ID, ID Theft Reports ) I asked them to supply me with proof they they had on these debts/fraud accts, etc. 

Proof I asked them for was signed contracts of these accounts, IP addresses, physical mailing addresses, logins, bank accounts associates with these debts0 They have refused to supply me with this information and still reporting these fraudulent accounts because the creditors allegedy verified with them ( baiscally the creditors is paying them to report this fraudulent information )

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 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2014 I submitted a payment ( {$96.00} ) to Bank of America that was not accepted because I had insufficient funds in my bank account. From this date on, Bank of America placed this XXXX insufficent payment in the column of cash advances. 
Instead of there XXXX interest rate, I am now paying XXXX solely on this {$96.00} insufficient payment that was never a cash withdrawal. 

What the company should have done was charged me a late fee. Instead, I have been paying 24.24 % on the XXXX I have now paid {$290.00} on the {$96.00}. The charges continue for the {$96.00}. it is my contention that Bank of America is abusing the customer by having them pay the cash withdrawal percentage rate on an insufficient fund payment. 

Please advise if there is any remedy to this abuse. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/2020 I mailed certified letter to Portfolio Recovery Associates requesting validation of debt for account : XXXX made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Portfolio Recovery Associates have failed to provide requested validation. The amount of debt claimed is {$820.00} for a factoring company according to their credit bureau information. This debt is unvalidated, unverified and I request that this matter be permanently closed and also that the Credit Bureau be informed and their information updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After dealing with this issue for 3 weeks, I am disappointed to find out from phone conversation with Ms. XXXX ( from WellsFargo ) today, that the investor does not allow me to apply my {$7100.00} deferred balance payment into my deferred balance. 
1. This is not consistent with the letter you sent on XX/XX/2020 2. This is not consistent on your recording line when I paid on the phone that you assured me the {$7100.00} will be applied into the deferred balance 4. There is no such correspondence for you regarding the investor has the power to not say " NO '' to the payment to be applied into the deferred balance 5. THis is against the XXXX  and XXXX  regulation 6. You prevent me from refinancing my mortgage as all lenders will need this to be taken care of before starting the refinancing process. 

Can you please help! 
XXXX XXXX XXXX Cell # 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 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, we ( myself and my partner ) submitted an offer to purchase a property that was listed for a short sale and being service by JPMorgan Chase with loan # : XXXX back in XXXX, 2020 and since then, It seems like Chase and the seller are discriminating against us because we have signed the counter offer of {$750000.00} for more than 3 months now and we are yet to receive an approval letter. Our agent and the listing broker are having difficulty reaching Chase and according to our agent, it seems like Chase and the seller might be working with another buyer regardless of the fact that our earnest money deposit have been in Escrow and still in Escrow since XXXX, 2020 and we have signed the revised purchase contract that Chase had advised the listing broker to provide, but the seller and Chase are not forth coming. We are confused and disconcerted at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV

Complaint narrative:
fifth third bank has not paid property taxes on my property in six months.I have contacted them a number of times to no avail .Everytime we get a letter from the tax accessor they raise our escrow amount because of shortages in the amount in our escrow account .we have received letters saying we are late on our mortgage payment even though we have automatic monthly mortgage deductions from our bank account.I have called to try to get this problem fixed.we called and nobody has a clue about what is going on with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had XXXX  in XXXX and called citi card they said not to worry they approved me to defer all minimum payments and balances for 3 months then I received a letter in the mail stated my account was closed. I have called multiple times and they refuse to reopen the account or remove the reporting from my credit bureaus.

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 2020-10-05 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: AL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Fraudulent Account : XXXX XXXX/XXXX XXXX XXXX Fraudulent Inquiry : XXXX XXXX XXXX XXXX XXXX block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

THIS IS NOT A REQUEST FOR A DISPUTE Enclosed are the following : A copy of my Identity Theft Police Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

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 2020-10-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: PA

Complaint narrative:
Initially started beginning of XXXX after I finally received my replacement card. After a few days it was locked and I cant withdraw or pay any Bill 's. It's now XXXX and things are only getting harder please unlock my reliacard it's my money. Sent countless faxes that abide the requirements. This is outrageous! Even signed up to twitter in order to speak with a rep there and they told me if I upload my docs and a selfie through a link it would be resolved in 48hrs it's going on 4 days now since.

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 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-10-05 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name XXXX XXXX XXXX XXXX XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX 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 2020-10-05 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: AL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Fraudulent Account : XXXX XXXX/XXXX XXXX XXXX Fraudulent Inquiry : XXXX XXXX XXXX XXXX XXXX block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

THIS IS NOT A REQUEST FOR A DISPUTE Enclosed are the following : A copy of my Identity Theft Police Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.

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 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
i went to the bank and told them that a guy had stole my idenity and hacked my XXXX XXXX  account and took funds out my account and they did nothing about it. I was told by an employee to get a police report and they would investigate and put the funds back in my account. At the time i was working in the oilfield away from home at weeks at a time. I came home to have a letter saying i owed them over {$1000.00} and my account was closed. This bank failed me in so many was also they reported this to XXXX XXXX   as if i caused the negative balance knowing i gave them all the proof.

Company response to consumer: Closed with explanation