vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-20 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: IL

Complaint narrative:
Hello I been disputing an auto loan on my Equifax report for one year and a couple month and Equifax did not never send many anything was verify with signature. I know you guys has access to my XXXX and XXXX and you can look and see there is no car from XXXX XXXX and I never this account. I see where XXXX XXXX  is on my credit report and I dont even know who that is. XXXX XXXX is on my report I never knew XXXX XXXX  had a card and I know this is a mix up because the bill was paid and I did not pay XXXX XXXX   anything because i never had a card with them. I see XXXX  XXXX   is on my report this is not me a mix and this is hurting my credit. Can you please reinvestgate and help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
They are not applying my payments correctly. I contacted them on XX/XX/19 and was told that I'm paying interest in arrears, however according to my payment history that is not true. I was told that it is a fixed interest loan and that means that I will always pay the amount of interest billed, this is not what fixed interest rate means. I believe they were charging all of their customers inflated interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I had a 1st and 2nd mortgage with US Bank and was shopping around to refinance. US Bank offered me a reasonable consolidation loan on approximately XXXX XX/XX/2019. I spoke with a loan officer named XXXX XXXX who recommended that I include the closing costs of the new loan, among other reasons so I would be paid out the total escrow in my former 1st mortgage. That's what the Closing Disclosure document reflected, and based on that document, I closed on the refinance on XXXX XX/XX/2019. Subsequently, I should have been paid approximately {$4700.00} from my former escrow at closing. Instead, today I received a check for {$550.00}. I called US Bank and emailed Ms. XXXX. Both responded that the other funds had been " used '' at closing. Ms. XXXX first sent me the Closing Disclosure of someone else -- that person 's name, address, and personal information was on it. Then she re-sent me the correct Closing Disclosure document as well as a payoff statement dated XXXX XX/XX/2019. I was never shown that payoff statement prior to closing, and it does not reflect what I heard Ms. XXXX tell me. 

US Bank has been unprofessional and has engaged in a bait-and-switch as far as I can tell. It appears to be some type of fraud.

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 2019-05-20 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: FL

Complaint narrative:
after hundreds of harassing phone calls and letters, I answered a call from them. the woman I spoke with said we could settle the debt for XXXX dollars. I would have 10 payments of XXXX dollars. So I agreed to those terms and sent my first payment of XXXX dollars. Shortly after I made my payment, I got a statement in the mail that reflected a balance of XXXX dollars which should have been XXXX dollars. So I called them to ask if they made a mistake in my balance and they replied, that is your balance. I told them THAT'S NOT WHAT WE HAD AGREED UPON!!! And they said that I had to pay that amount anyway. 
So at that point I decided that portfoilo recovery was using loan shark and Mafia tactics which I'll have no part of! If they would have stayed with our agreement, this would have been paid off already. Now they are taking me to small claims court XX/XX/2019!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20 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: NY

Complaint narrative:
on XXXX, i was visiting a friend at XXXX XXXX XXXX in the XXXX ,  n.y and i was assaulted by an individual that took my money and my wallet. i reported the incident to the XXXX XXXX  that gave me an incident slip # XXXX on XX/XX/XXXX ,2014.A few months later i checked my credit report and notice somebody use my ID to get 2 loans one was from XXXX XXXX XXXX and the other to XXXX XXXX.i have been tryng to get my credit report clean and succeded in getting it off XXXX AND XXXX BUT NOT EQUIFAX.even though i have provided everything they need to delete these accounts to no avail. i need them to verify these accounts by providing me an original with signature my on it as to verify that these accounts are mine. because i never signed any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have been following up with American Express for almost a month now and they have failed to issue a refund they owe me in the amount of {$19000.00}. In their letter dated XX/XX/2019 ( See Attachment ), they assured me that the refund was wired to my bank account on XX/XX/2019. 

IT IS XX/XX/2019 AND THEY HAVE NOT STILL WIRED THE AMOUNT TO MY BANK ACCOUNT!!!! THIS IS ABSURD!!! THEY ARE COMMITTING FINANCIAL FRAUD AND SITTING WITH MY MONEY FOR A MONTH NOW!!! 

I DO NOT WANT THEIR HOLLOW APOLOGIES AND PROMISES. THEY NEED TO RETURN MY MONEY IMMEDIATELY AND ALSO PAY FOR THE DAMAGES AND HARDSHIPS THEY HAVE CAUSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The bank closed my checking, savings, and credit card accounts ; and refused to give me a reason why. They did not provide me with the appropriate resources or information to obtain a reason for adverse action being taken on my accounts, as required per 12 CFR 202.9.

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 2019-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I wrote a check for {$1000.00} and attempted to mail it to the recipient, XXXX XXXX. The check was stolen from the mail and deposited in the account of someone other than XXXX XXXX -- the endorsement is clearly not " XXXX XXXX ''. I notified Webster Bank of their error in cashing this check and followed their reimbursement procedures as well as filed a police report on XX/XX/2019. 

Webster initially said it would be resolved in 30 days, and has since not been able to provide date when money will be returned to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
My mortgage amount was set to XXXX and would fluctuate slightly due to taxes. My amount dropped in XXXX to XXXX. I contacted my loan servicer XXXX, they told me the reason the payment amount changed was because I no longer had to pay Mortgage Insurance. They advised me that as of XX/XX/2018, there was no need to pay the Mortgage Insurance and they adjusted my payments to reflect that. I received my mortgage statement for XXXX and the amount has now jumped to XXXX. I checked my online account and I am now being billed for the previous months that the Mortgage Insurance was not paid. 
I contacted XXXX to discuss the sudden change. They advised me that they made a mistake and confused my loan with another loan. When they realized their error, they billed me. They never once contacted me to explain the error with my loan. When I contacted them, they were not apologetic at all. I asked them why would I have to suffer financially due to their gross mismanagement of my account. They made the mistake and I contacted them to verify the lowered amount was correct, they told me it was. Then instead of just rectifying my account to the proper amount, they are now billing me for back pay. 
I told them it is unfair to expect the consumer to carry the burden of gross negligence. They told me I no longer had to pay Mortgage Insurance, they are the servicer for my account so I believed them. When I told the rep this, he then equated my circumstance to that of murder. If a cop tells you its ok to kill, would you kill a person? That is a poor analogy to explain away their error. 
The only resolution they offered is to spread out the delinquent amount over the next 12 months. I feel that a company that is in charge of managing thousands of accounts and millions of peoples monies, they should do so with more care. And they should own up to gross mistakes and rectify them, even if it means they hurt their bottom line. The company is taking no responsibility for changing my finances and potentially harming my ability to keep my home. When I looked into purchasing a home, I did so with my budget in mind. This goes outside of my plans and the loan servicer does not seem to care. And now I am trapped with a company that makes gross mistakes and does not own up to them for the duration of my loan.

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 2019-05-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello there are Two Bankruptcy on my Equifax report where I have no Bankruptcy on XXXX and XXXX so why are two BK showing on my credit file I disputed and they came off my Equifax then a 3 month later they added the BK back on How can Equifax report a BK and XXXX and XXXX   dont have a BK for me this is A Huge Mix up Im going to hire a Lawyer to help me also I been disputing the matter for 1yr 1/2. Can you please help me also I can show you proof I have no BK on XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am an employee of XXXX XXXX XXXX. On XX/XX/2019, I thought I was writing a company check drawn on XXXX XXXX XXXX XXXX, for the purposes of purchasing an XXXX computer. I was directed through email to deliver the check to a Chase Branch and deposit it to account # XXXX. 

On XX/XX/2019, it became quite clear that my email had been spoofed and during negotiations these instructions were inserted. I immediately called the XXXX XXXX, CA Police Department and filed case # XXXX. 

XXXX XXXX XXXX XXXX had me sign an affidavit and tried to find anyone in Chase fraud department who would investigate and return the funds. 

During the investigation both XXXX XXXX XXXX XXXX and and the PD stated the funds are still held by Chase.

I am holding copies of the spoofed email, invoice, deposit receipt, police report and insurance claim but can not find anyone at Chase who will investigate my claim and return the funds.

Chase finally gave me a claim # XXXX to which I have a received no follow up. 

Please can someone explain why the funds can not be returned if they are still held by Chase? 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: CA

Complaint narrative:
Experian has put a freeze on my account which i am having trouble removing. They have no customer services. Their menu options have two to choose from and then it hangs up on you. How is this OK? They have complete control of my credit and can not address any of the issues. Why are you allowing this terrible company to treat people this way.

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 2019-05-20 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:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and US DEPT ED accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 11 13 and 16 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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:
the following accounts are not mine, i have disputed many times with equifax and they have not been helpful, i have attached my police report for which i have received from XXXX XXXX police dept. and also the FTC report filed. 
please help me to have these three inaccurate and fraud information removed from equifax credit reporting agencies thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech was contacted by phone to start the process of releasing escrow management to me the borrower. There was an extended hold time ( about 30 minutes ) and once connected the agent gave a facsimile number to send a request. That task was performed that afternoon ( XX/XX/2019 ). 
I received no response to the sent facsimile after about a month so I called again. After another long hold time I confirmed the facsimile information and resent the request on XX/XX/2019. 
Again I received no response from Ditech. After another several weeks I called again. Again another 20-30 minute hold time ( is this a discouragement tactic? ) I spoke to another representative and was this time given a web address to upload my request. This is the same request I have made in the previous attempts. This information was uploaded to that site on XX/XX/2019. 
I still have yet to receive a reply from Ditech regarding this matter. I do still receive my mortgage statements, however. I should note that I am not deliquent ( nor ever have been ) and have a LTV of about 15 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 11 13 and 16 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-20 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: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Suntrust is not following the rules regarding Regulation E and unauthorized transactions. I also know that they have not been properly reviewing my case because after I reported my claim and they denied it, they sent me a rebuttal letter along with a rebuttal denial letter on the same day. I circled the dates as well, I believe they do this on purpose to their customers who wouldn't know any better. I have proof that the letters were sent on the same day and the dates are also the same on the letters as well. I put in a claim with them on XX/XX/19 because I lost my bag, my debit card and id were in there so I called them and they made a claim for me. Two weeks later they denied my claim. I do not believe they did a proper evaluation of my situation. I was traveling in Texas when all of this occurred. I have counted a total of 60 Unauthorized transactions on my checking account which put my account into $ XXXX. My last transaction was on XX/XX/19 of {$12.00}. Everything after this transaction was unauthorized and im upset that Suntrust allowed this to happen to my account without taking any action or proper care towards my situation. Their investigator told me on the 10th day of the investigation that they'd have a decision that day and it made it seem like they were rushing just trying to get it done just so they could not help me with temporary credit because that was my only checking account and I had no money. My account was drained of exactly {$5200.00}. I look at my online banking and the first unauthorized transaction was on XX/XX/19 of - {$0.00} ATM BALANCE INQUIRY up until the last unauthorized transaction which was on XX/XX/19 of {$0.00} OVERDRAFT ITEM FEE NOT CHARGED. This doesn't even include the excessive fees that were charged that made it go into the negatives. I had {$5000.00} transferred to my checking account when I came to Texas to prepare for my vacation and I frantically reported the loss to Suntrust after I realized I didn't have my bag on me so I did report what happened as soon as I could.

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 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
To Whom it May Concern ; I filed a Chapter XXXX in XX/XX/XXXX. I had purchased a 2010 XXXX XXXX, through Toyota Financial Services. I kept the XXXX, and the bankruptcy court paid the truck off in full. I have all the documents from my attorney supporting this. When they paid the last payment, the title was sent to my attorney, and when the bankruptcy was discharged, I received my title. The problem is Toyota Financial Service filed this with XXXX, and will not get it corrected. We sent them a certified letter on XX/XX/XXXX, explaining we felt that this was a violation with the FCRA.  They responded on XX/XX/XXXX, with their records are correct, and they are reporting to the agency in a manner that is consistent with their records. I'm going to attach all the documents to this letter, so you will see what we are up against. There has even numerous disputes filed, due to we hired XXXX XXXX to help us with this. We are now trying to also handle this, by doing what we can to get this corrected, along with XXXX XXXX. Everything has been cleared from our credit report, except something that was paid in full, our truck through Toyota Financial Services. 

Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UMB FINANCIAL CORPORATION
State: KS

Complaint narrative:
I opened a credit card with XXXXXXXX XXXX XXXX. It offered no interest for 12 months on purchases and rewards of {$200.00} when {$1500.00} was charged on credit card within three months plus reward points on purchases. I had made successive payments on card and made more than minimum payment on account. After I had redeemed the {$220.00} rewards I had earned, they decided to close my account before the rewards would be credited on my account on the next statement. UMB had assured me the rewards would be credited on next statement via a phone conversation. A week later they told me I was a credit risk for very questionable grounds despite being in very good standing on my account and having a credit score of around XXXX. 

Please look into this matter for me for I feel I was purposely defrauded by UMB given they had sent me a promotional letter in mail in order to get me to open this credit card with the bonus offer. Thank You

Company response to consumer: Closed with explanation