vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have tried disputing the reporting of my mortgage with Transunion several times and the most recent attempt does not even show a result. It was submitted in May. It is reporting as 60 days past due on only the Transunion report but with a history of never having a payment 60 days past due. The other bureaus have it correctly reported as current. The loan is under forbearance and, therefor, should be reported as current with no late payments. I confirmed this with the lender by phone, already. I simply can not get anyone at Transunion to fix this and I am trying to refinance my mortgage so it is making it impossible. Every day that this stays on my credit I am losing money I don't have.

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 2020-09-23 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 have filed disputes with XXXX, XXXX  and Equifax back in XXXX this is almost XXXX and I still haven't received anything. This is not fair that it is taking so long to get my results. I know they are supposed to reply within 30 days and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays decreased my credit limit from XXXX to XXXX for being late one time this year.My credit sore lowered by 44 points, my balance with Barclays was {$660.00} and since my credit limit is XXXX my credit report showed high balance usage. The late payment was due to a mail man mistake and as soon I found out I contacted Barclays and they responded by lowering my credit limit.

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 2020-09-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Theses are the inquiries that I have been disputing they were taken off the other 2 bureau reports. These were unauthorized and I would like these to be taken off immediately. I have sent in all proper documentation. I was denied credit for the COVID-19 funds XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX , GA 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 2020-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK
State: NY

Complaint narrative:
Charge for {$29.00} on XX/XX/XXXX appeared on my Discover Card statement for Payment Protection, a service I never signed up for. I contacted Discover who agreed to credit this amount and the past 6 months of charges for this which amount to {$20.00}. I was then informed that I have been a member of this program since XX/XX/XXXX. When asked why i haven't seen any large charges I was informed it is because I keep a lower balance on my card. I feel I should be reimbursed for all charges related to this since I was signed up, without my knowledge, for 17 years. I also see Discover card settles a class action suit on this back in XXXX for which I was not a part of as I was unaware of the suit. I also have never used the " benefits '' of the plan as I was unaware I had it. I also would never have used the plan as I never had need to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain 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 2020-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have multiple accounts with Chase Bank and recently for {$4500.00} was stolen from them. Some how someone gained access to my accounts and transferred the money from my business account to my checking account. From there it was withdrawn by the way of a XXXX transfer to a very common name of an unknown person. Chase has  denied my claim. According to the my only recourse is to prove my accounts were hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have filed disputes with XXXX, Transunion and XXXX  back in XXXX this is almost XXXX and I still haven't received anything. This is not fair that it is taking so long to get my results. I know they are supposed to reply within 30 days and they have not.

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 2020-09-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have filed disputes with Experian, XXXX and XXXX  back in XXXX this is almost XXXX and I still haven't received anything. This is not fair that it is taking so long to get my results. I know they are supposed to reply within 30 days and they have not.

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 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Between Customer and Quicken Loans 1 ) Customer : We received a letter from XXXX that stated the mortgage company was amended to quicken loans effective XX/XX/XXXX - there was no closing date set, and earlier correspondence only indicated target closing by XX/XX/XXXX. We've received this for our home insurance and earthquake insurance, and I've attached examples for both. Did the loan underwriter specifically ask for both our home insurance and earthquake insurance to be updated? 
Quicken Loans : We request these just because were paying off the old loan and establishing the new loan. 

Customer : There never was a closing date set that would have permitted the change to be set up, and our insurance company has flagged fraudulent activity and incorrect records. 

Quicken Loans : The closing date we have on file is an estimated closing date, as we move a little bit closer to getting this wrapped up and completed for you someone from our closing team is going to be in touch with you as to a good time and a good date to close! 

Customer Concerns : the loan still had not closed as of XX/XX/XXXX, at which point SafeCo insurance had reflected Quicken as the current lienholder for over a month, as requested by Quicken loans in late XXXX. 
Our insurance agent would be happy to speak further about their POV that this is fraud by quicken loans. 

2 ) Customer : Can you provide an explanation of where we specifically agreed in writing to allow credit to automatically pull again due to the timing lapsed in the loan? 
( credit was originally pulled XX/XX/XXXX XXXX Quicken Loans : The credit report that we originally had on file is valid for about 90 days, once the credit report has hit that mark then we must repull a new one and get the updated report on file. It looks like due to a recent credit inquiry on XX/XX/XXXX we were verifying no new debt or further credit was extended to either of you. 

Customer Concerns : The credit report is said to be valid for 90 days, but credit was re-pulled at 60 days. And we did not receive a clear explanation of where we authorized automatic credit pull in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain 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 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: SC

Complaint narrative:
I have disputed the account on numerous occasions and it always come back verified so I asked the company to send me verification including a copy of my signature and I haven't received anything. By law this account is to be deleted if there's no verification. 

Capital Accts # XXXX XXXX  XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XX/XX/2016 *date first reported* XXXX *reported amount*

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 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This is the Fifth time I am re opening the Complaint. The company keeps responding and closing the ticket. The response is not per my expectation. I want the company to look for the evidence where the customer service rep had taken notes about forgiving the late fee. My Home Mortgage was initially with MB financial Bank. Last year in XXXX MB Financial was acquired by Fifth Third Bank. Back in Summer XXXX, due to a payroll system upgrade in my company i got paid on the last day of the month. Since i was getting paid on the last day of the month, i called MB financial to explain my situation and request that since this not a permanent situation they should not charge me late fee since i will be making payments on the last day or the XXXX of each month. The customer service representative at MB financial agreed to my request and mentioned that they have made a note in the system with my request and the reason for the request. Now when i get my statements it shows that i have past due late fee balance of {$1000.00} which is not correct. I called Fifth Third a couple of times in the past for this issue. The customer service representative always said that they dont see anything at their end in the system. I was under the impression that the matter has been taken care of and i would start receiving updated statements with no balance due. I am still receiving the statements that show i have {$1000.00} past due amount. On XX/XX/XXXX, i spoke to the supervisor at Fifth Third Bank and upon further investigation she found the note that explained my situation back in XXXX but she mentioned she was not able to find the note that said they would waive my late fee. The note she had in the system was incomplete. She also mentioned that {$500.00} late fee was carried over by MB financial to Fifth Third Bank. I am having issues with Fifth Third Bank customer service. Just last month they had but my mortgage in forbearance plan whereas i had called to request them not to put my mortgage in forbearance plan. The customer service is not making notes correctly and for my late fee up until Friday XX/XX/XXXX they kept saying they dont see any late fee in the system but on escalating the issue to the supervisor she found the late fee and the incomplete note. In this pandemic, i am trying to save on my money and paying {$1000.00} as late fee for no fault of mine is unfair. The customer service representative have failed to provide the service i have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: GA

Complaint narrative:
I believe that I am a victim of identity theft and filed a dispute with the credit reporting agencies in regards to it, per section 605B of the Fair Credit Reporting Act. I never received any notifications in regards to the results of the alleged items. It has now been over the allotted time period for when the bureaus are legally obligated to respond to my request. The initial letter was sent certified mail on XX/XX/2020 and was received by the credit bureaus on XX/XX/2020 & XX/XX/2020. I have yet to receive any responses and it has been well over the designated legal time period.

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 2020-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: UT

Complaint narrative:
I tried to purchase a XXXX XXXX XXXX via the products page. One of the options for purchase was " XXXX XXXX XXXX '' which was supposed to bundle the console, the service, and the XXXX XXXX   XXXX  service into one monthly payment. The payments would be done via setting up a personal line of credit via CitizensOne and then you would make monthly payments on it. 

The issue is that when the XXXX 's ran out of stock, they did not stop accepting applications, and the application is done before it checks stocking levels. So you end up applying for, and receiving, a {$0.00} line of credit. Which means I am now going to take a hit on a credit report that I was only willing to take because I thought I could get the product. 

To put this in another way, it'd be like walking into a cell phone store with the intent to sign up for service. Then when you are signing up the ask if they can pull your credit for the device equipment plan you would like to set up. Then immediately after pulling your credit, they say, " I'm sorry we aren't signing up new customers right now, have a good day ''. 

WHY DID YOU PULL MY CREDIT THEN?! Why do I have to be financially impacted due to what basically amounts to malpractice in coding. Check stock levels THEN send to signup page, and before submission, check stock levels one last time to make sure the customer can even attempt to purchase what they are signing up for a payment plan for!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: DISCOVER BANK
State: TX

Complaint narrative:
This past week, I received a new card from Discover, giving me until XX/XX/XXXX to activate. On XX/XX/XXXX, I received an email stating that my account was closed. I called Discover. They told me that I had requested the new card last month ( which is not true ) and that on XX/XX/XXXX, they did a review on my account, and decided to close the account due to inactivity. My history shows that I made a payment on XXXX of this year. It was not inactive. It is unfair that Discover shut down a credit card as this will adversely impact my credit, which is something that is not helpful during a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
XXXX, XXXX has failed to provide proper verification that an account belongs to me, and furthermore it has been noticed that they are illegally charging some type of additional fees/interest to this account on a month basis. After dispute, they not only failed to prove that the account was mine but also how they can substantiate a balance that they are reporting as a higher balance by hundreds of dollars on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
This account was paid in full last year and it was sent to collections even after i settled the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TFS FINANCIAL CORPORATION
State: CA

Complaint narrative:
on XX/XX/2020 I spoke with loan agent NMLS  # XXXX. We discussed general refinance qualification criteria including DTI ratios. She did not disclose a requirement of DTI 36 %. The number she mentioned was 45 % per my notes. She did not disclose their new income criteria requirements that have changed due to covid. Would I have known these requirements, I would have not proceeded with an application and letting her run our credit inquiries. Through their underwriting process, they determined our DTI was well above 36 % thus, declining our application. I spoke with a different agent on XX/XX/2020 by the name of XXXX and she indicated a DTI requirement of 36 % - 40 %. I proceeded to escalate this to a manager with NMLS ID # XXXX who again provided me a different DTI ration requirement of 36 %. I requested transcripts of the calls to verify the agents prior communications and the manager with ID # XXXX indicated they did not have the ability to record voice on their recordings. I asked whether this was not a violation of their policy to record all phone calls and she refused to take accountability and insisted they had no ability to record calls with voice. There should be consequences for such unethical business practices where they practice this 'bait and switch ' scheme. If agents are rated on number of applications submitted I can understand why they will lie in order to get consumers to apply not caring entirely whether an application is approved or declined. Please bring this to their attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2
State: MD

Complaint narrative:
Persolve , LLC has failed to provide proper verification that an account belongs to me, and furthermore it has been noticed that they are illegally charging some type of additional fees/interest to this account on a month basis. After dispute, they not only failed to prove that the account was mine but also how they can substantiate a balance that they are reporting as a higher balance by hundreds of dollars on a monthly basis.

Company response to consumer: Closed with explanation