vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: DE

Complaint narrative:
Company has not paid our property taxes from our escrow account. There are now penalties and itnwrest added. Calls are always put on hold due to high volume. Callbacks aren't always received when requested. No response through the online messaging system. 

When we finally got in touch, the representative told us to email a copy of the tax bill. The phone call was difficult to hear as the representative 's voiced echoed the whole time.We were sure to include all pertinent information in our email, and have not received a response ( not even a confirmation of receipt ). 

A week later and we are trying to call again to no avail. If the bill is not paid in the next four days, more penalties and interest will apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I was mailed a USBankReliacard Visa Debit card out of the blue. After researching it a bit I activated it thinking I was either going to get COVID stimulus payment or just setting it up before I retire ( next year ). 

I received a deposit two days ago ( XX/XX/20 ) of {$480.00}. I thought that was weird. After doing more research I found out that it is for Unemployment Insurance for the state of Ohio. I live and am still working in New Jersey and have never applied for benefits. 

I called USBankReliacard and they canceled the card. 

Now I am reporting this to you as I believe my information has been compromised.

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 2020-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
This moving company never provided the service for my move and i was still charged and when I dispute the charge with Chase bank they reversed it until today when I noticed they reversed the claim upon a fake documentation from the moving company falsely saying they completed services. 

This moving company never provided the required services for my move. When I called about the move, they stopped responding & didn't refund full amount. This company never provided the services required under the contract for my move in early XX/XX/XXXX. I paid the deposit ( {$920.00} ). I called the XXXX XXXX XXXX XXXX at least ten times over three weeks. No response email or phone. I was forced to cancel the move and hire another moving team, I reached out and asked for a full refund. The customer service general email and sales manager stopped responding to my calls and emails. I was able to reverse the charges and they sent paperwork to Chase Bank saying the services were rendered.There was no services fulfilled and I was still charged. But they reversed that claim today XX/XX/XXXX upon fake documentation of receiving services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: CO

Complaint narrative:
While truing to refinance my mortgage through Provident Funding Associates, L.P. Loan Officer XXXX XXXX / NMLS ID : XXXX asked me to sign a mortgage application that was not correct ( excluded some of my liabilities ) in order to proceed with the refinance and lock my rate. I asked him to add the liabilities to the form so I could sign it, but he said he could not do that. He said to sign the incorrect initial application, and the changes would be reflected on the final application I would also sign. If I did not sign the initial application with the incorrect information, he could not proceed with the refinance. I told him this was not right, I would not sign an application that was not correct, and asked to speak with a supervisor. He refused to let me speak to a supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I took a hardship extension for 3 months due to Covid19. I was told that those payments would put to the BACK of my loan. I have now noticed that when I restarted my payments up in XXXX, Ally is applying my ENTIRE monthly payment towards interest. So why am I paying double the interest if when I was told that those payments would be put to the back of my loan? How does this make any sense? No one ever explained this to me. I am already suffering and now this on top of everything else. This company is bias and I would not recommend that anyone do business with them. This has put me deeper in debt with this lender and for the past 3 months all I have been paying is interest. BUYER BEWARE.

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 2020-10-28 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: TN

Complaint narrative:
. I submitted dispute letters to Equifax, XXXX, and XXXX  notifying them of the accounts that did not belong to me on XXXX I have yet to receive a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and represents a very serious error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: CA

Complaint narrative:
I had my credit ran today XX/XX/2020 at XXXX because I was trying to finance a phone with them however, I was unable to do so because apparently there are several accounts in negative standing appearing on my credit history. I was surprised to hear this because I rarely even use my credit and when I do, I always make sure to pay everything on time. I looked through a copy of my credit report and I saw four accounts that are not mine. Three accounts are from a company called XXXX XXXX and One account is from a company called XXXX XXXX XXXX. I never opened any account with either of those companies nor did I give anyone permission to open these accounts in my name. I do not have any written or verbal contract with these companies nor did I benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I have already filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: CA

Complaint narrative:
I had my credit ran today XX/XX/2020 at XXXX because I was trying to finance a phone with them however, I was unable to do so because apparently there are several accounts in negative standing appearing on my credit history. I was surprised to hear this because I rarely even use my credit and when I do, I always make sure to pay everything on time. I looked through a copy of my credit report and I saw four accounts that are not mine. Three accounts are from a company called XXXX XXXX and One account is from a company called XXXX XXXX XXXX. I never opened any account with either of those companies nor did I give anyone permission to open these accounts in my name. I do not have any written or verbal contract with these companies nor did I benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I have already filed a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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 had my credit ran today XX/XX/2020 at XXXX because I was trying to finance a phone with them however, I was unable to do so because apparently there are several accounts in negative standing appearing on my credit history. I was surprised to hear this because I rarely even use my credit and when I do, I always make sure to pay everything on time. I looked through a copy of my credit report and I saw four accounts that are not mine. Three accounts are from a company called XXXX XXXX and One account is from a company called XXXX XXXX XXXX. I never opened any account with either of those companies nor did I give anyone permission to open these accounts in my name. I do not have any written or verbal contract with these companies nor did I benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I have already filed a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: KS

Complaint narrative:
To Whom it May Concern : RPM EscalationsDepartmentIn reference to XXXX Account numberXXXX. Fortunately, after many hoursof investigation on my part, I have solved the quagmire. The actual account number Should XXXX, this is the account that belongs to me and the one I was led to believe I was settling when speaking with XXXX XXXX , with R.P.M. However, after speakingto a Miss. XXXX XXXX @ The Law Offices of XXXX XXXX, and identifyingthe WRONG account number, I contacted XXXX. It appears that the company that you represent applied my payment to a Company that has no affiliation to me.When I was transferred to RPM, I spoke to a gentleman by the name of XXXX XXXX, who verified My full name, Last four of my social, and the amount of {$730.00} then assured me that this payment was being applied to the balance of {$730.00} then he proceeded to take my payment.As you are aware, this has been causing me many days of hardship and pain. I have been running in circles talking to your company and three others trying to resolve this. I am looking to buy a home in the extremely near future, and as you can imagine, this is not helping. Hence, the anxiety, and undue apprehension this is causing as well as undue harm and anguish, I am exhausted. Because not only was I in fear that I was scammed for {$430.00}, but after talking to so many different people and being told so many different things.Then today XX/XX/2020 I was Informed by XXXX that the amount thatThe payment was applied to theWRONGaccount, and for me to fixthis I need to contact my financial organization to dispute the payment. I did not want to do that, so I did more investigating. While on the line with Miss. XXXX, we compared account numbers. the account number you applied my payment to is:XXXXon a compare and contrast with XXXX @ XXXX XXXX, MO call center , it came to our knowledge that the payment should have actually gone to account numberXXXX, the problem is, THE PAYMENT WAS APPLIED TO THE WRONG ACCOUNT. She then told me to call R.P.M. and request a refund, then once the refund is received, I am to call XXXX directly and make the payment.At this point I have so many questions, but I do not have the energy, nor do I care. I just want this fixed. 
In closing, this is what I need, please have your organization, either apply this payment to the correct account XXXX which XXXX XXXX falselyclaimed he represented, orhonor the settlement amount and apply it to the correct account and get it resolved. If none of those options are available, please refund the {$430.00}, so I can pay XXXX directly and resolve this matter. If you have a way of transferring this payment to XXXX, that will workas well.Please get back to me at your earliest.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 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Refinancing my primary home with Interactive mortgage, they sent me a final statement stating I have second mortgage of {$5200.00} With Wells Fargo my mortgage company I have now. Interactive mortgage will not do the refinance unless I pay them that second off, So I called Wells Fargo to pay the amount I owe But they would not let me do it stating I would have to pay my entire first mortgage {$330000.00} Before I can pay off second of {$5200.00}. 
Which is UNFAIR, UNETHICAL and Fradulent! so they can keep my mortgage with them. 
Please help deal with them. 
Thank you, XXXX XXXX XXXX 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 2020-10-28 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: TN

Complaint narrative:
. I submitted dispute letters to XXXX, XXXX, and Transunion notifying them of the accounts that did not belong to me on XXXX I have yet to receive a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and represents a very serious error in reporting.

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 2020-10-28 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: TN

Complaint narrative:
. I submitted dispute letters to XXXX, Experian, and XXXX  notifying them of the accounts that did not belong to me on XXXX I have yet to receive a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and represents a very serious error in reporting.

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 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
On XX/XX/2020 I disputed a collection through XXXX  for IC Systems which is a collection agency for XXXX XXXX which was resolved on XX/XX/2020. I reported the issue as an unauthorized account opened in my name which was removed off my credit XX/XX/2020. Today which is XX/XX/2020 I received a phone call from I C Systems about a balance of {$110.00} which I informed them that the account wasnt mines that the address reported was actually my sister address who had the bill placed in my name. I was told to fill out a form which I attached to this statement and if I couldnt get a police report to report it to FTC.

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 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a dispute for a Bankruptcy listed on my credit report and asked Experian to verify the public record. Experian has not verified how this was verified. Lastly, I received a letter from United States Bankruptcy Court-XXXX XXXX of Illinois confirming what I thought- they do not verify or provide any personal information. I am requesting that if Experian can not show how they verified this public record Remove this entry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Tue, XX/XX/XXXX, XXXX XXXX  a wire transfer was submitted to Ally Bank for {$2000.00}, 37 minutes before the XXXX cut-off time. I called Ally Bank at XXXX to get a status of the wire transfer and was told that the wire status was set to Complete at XXXX and that it would go out that day. 

Wed, XX/XX/XXXX, XXXX I contacted Ally Bank to get another status and the customer service rep checked with the wire department and was told that the wire was now In Review, but nothing I could do to escalate it. 

Wed, XX/XX/XXXX, XXXX I contacted Ally Bank and the customer service rep contacted the wire department and was told that it was with Loss Prevention and there was no ETA and nothing I could do to escalate 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 monetary relief
Consumer complaint received 2020-10-28 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: FL

Complaint narrative:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-10-28 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:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My identity was stolen and I need a credit freeze for all credit bureaus listed : -Experian XXXX -XXXX  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 non-monetary relief
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MEGASTAR FINANCIAL CORP
State: CA

Complaint narrative:
XXXX paid additional principal I have to call in to verify that principle was paid. 

XXXX paid additional principal, mortgage company received money and returned the payment. 

XXXX paid additional principal, company did not decrease mortgage balance. Balance remained the same. 

XXXX paid additional principal, principal balance not reduced, payment applied to a suspense account. 

I am NMLS licensed XXXX and this company fails at any form of servicing competency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My identity was stolen and I need a credit freeze for all credit bureaus listed : -XXXX  XXXXTransunion -XXXX  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 non-monetary relief
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My identity was stolen and I need a credit freeze for all credit bureaus listed : -XXXX  XXXX -Equifax XXXX XXXX XXXX

Company response to consumer: Closed with explanation