vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-25 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: WI

Complaint narrative:
THESE COMPANIES ( XXXX, a XXXX, and Transunion ) HAVE VIOLATED ALL OF MY FCRA RIGHTS! I have sent over 8 letters of dispute to them all stating that the information they are reporting is 1. INACCURATE and 2. UNVERIFIED with the original creditor. They continue to state that they verified the information with XXXX XXXX. First I have a security freeze in place so they aren't releasing any of my information and secondly THE INFORMATION THEY STATE THEY VERIFIED WAS REMOVED AS IT COULDNT BE VERIFIED AND WAS INACCURATE so how did experian verify the information with them? THEY HAVE FAILED to provide any proof of verification or the method even though I continue to request it. I have also stated in my letters I DO NOT CONSENT TO E-OSCAR OR ANY OTHER AUTOMATIC/ELECTRONIC VERIFICATION! I want all this information DELETED from my report IMMEDIATELY! I have filed complaints with the FTC, XXXX, AND MY ATTORNEY GENERAL. This is the LAST time I will try to resolve this before I take ALL of them to court for violating my rights and seek no less than {$1000.00} PER VIOLATION in damages. DELETE THIS UNVERIFIED Erroneous information from my reports AND provide me with the verification procedure used AND the method of verification. I have requested this from them numerous times and I have the tracking and letters to prove it and have NEVER received them.

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 2020-07-25 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: WI

Complaint narrative:
THESE COMPANIES ( XXXX, a Equifax, and XXXX  ) HAVE VIOLATED ALL OF MY FCRA RIGHTS! I have sent over 8 letters of dispute to them all stating that the information they are reporting is 1. INACCURATE and 2. UNVERIFIED with the original creditor. They continue to state that they verified the information with XXXX XXXX. First I have a security freeze in place so they aren't releasing any of my information and secondly THE INFORMATION THEY STATE THEY VERIFIED WAS REMOVED AS IT COULDNT BE VERIFIED AND WAS INACCURATE so how did experian verify the information with them? THEY HAVE FAILED to provide any proof of verification or the method even though I continue to request it. I have also stated in my letters I DO NOT CONSENT TO E-OSCAR OR ANY OTHER AUTOMATIC/ELECTRONIC VERIFICATION! I want all this information DELETED from my report IMMEDIATELY! I have filed complaints with the FTC, XXXX, AND MY ATTORNEY GENERAL. This is the LAST time I will try to resolve this before I take ALL of them to court for violating my rights and seek no less than {$1000.00} PER VIOLATION in damages. DELETE THIS UNVERIFIED Erroneous information from my reports AND provide me with the verification procedure used AND the method of verification. I have requested this from them numerous times and I have the tracking and letters to prove it and have NEVER received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: CA

Complaint narrative:
I have attempted to dispute the incorrect items on my credits reports for several times starting from 2020. However, the credit bureaus back and forth change and reverse the disputes.

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 2020-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
XX/XX/2019 XXXX XXXX 
I checked my property taxes online with the County. It is impounded and had not yet been paid, so I paid it, {$160.00}. 

I called Triad, the lender. I spoke to an escrow person who said that I would receive a refund. I did not. Several weeks went by. I called again. No answer. I left a message. No response. 
In XXXX, I received a NOTICE OF DELINQUENCY from Treasurer and Tax Collector of the County of XXXX XXXX. My impounded taxes had been paid late. I sent the penalty amount, {$26.00}, out immediately, and contacted Triad. Again, I called, left messages, and emailed. 

I finally received an email on XX/XX/XXXX. They blamed COVID for the short staffing and I was told to contact the County for the refund.

They have now been negligent twice inside of one year. I have asked that my impounds stop, as my credit is above excellent, but they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center
State: CA

Complaint narrative:
MRCI has reported a alleged debt to the three credit bureaus. I have sent a letter for validation of this alleged debt and have not received a response. MRCI is in violation of the Fair Debt Reporting Laws and Fair Debt Collections Laws.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2020, I applied for a VA mortgage through Bank of America. I provided all the requested information and was initially given a tentative closing date. Within a few weeks I was being sent more paperwork that needed to be revised almost daily. The paperwork was not pertaining to any major issues but things such as signing each page of pest control report by seller and buyer, mandating that these signatures could not be electronically signed but had to be wet signatures. Requests were made for information from my inspector and appraiser which they had never heard of before and both parties have worked in their respective fields for more than 30 years. We were requested to send proof that home repairs listed in contract had been done by licensed plumber and electrician however when the realtors sent the information, they were told the licenses could not be verified and that they were probably fake by an underwriting agent. It was more than a nightmare and there were no reasonable explanation as to why we were getting the runaround. There were also other questionable actions by the underwriting department we were working with as well as the loan officer. I was told my interest rate could not be changed once it was locked in and I was also told that I could not convert from. VA loan to  a Conventional loan even if I qualified. I changed from Bank of America on XX/XX/XXXX and closed with a new mortgage company on XX/XX/XXXX. They stated they didnt understand why Bank of America was not able to do the same, the new mortgage company stated I had one of the cleanest file they had seen in awhile. My hopes is that my treatment had nothing to do with anything except the fact that there are persons employed at Bank of America who do not desire to do their job when having limited supervision and working from home but, I could not risk anyone having to endure what I did with Bank of America, regardless of the motivating factor. I wrote a letter of complaint to XXXX XXXX at the following address XXXX XXXX XXXX XXXX XXXX, XXXX, Ga XXXX on XX/XX/2020. I have also attempted to reach an underwriting supervisor to file a complaint and was transferred from department to department without successfully reaching anyone. The loan officer I worked with in reference to my mortgage was XXXX XXXX NMLS ID XXXX. Thank you in advance for your assistance.

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 2020-07-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Separate and aside from criminal conduct as set forth and explained within the correspondence annexed hereto as Exhibit " A '', XXXX XXXX XXXX ( " XXXX  XXXX XXXX '' ), the latter 's employee XXXX XXXX XXXX ( " XXXX  XXXX '' ) in conspiracy with XXXX XXXX XXXX " XXXX '' ), PHH Mortgage Corporation dba PHH Mortgage Services ( " PHH '' ), XXXX XXXX XXXX ( " Attorneys XXXX  '' ) and others, are evading my demands and request made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ). 

Furthermore, as set forth within my communication to be forwarded to the foregoing parties that is annexed hereto as Exhibit " A '', along with Exhibits B through I that are also enclosed hereto and explained within my communication submitted herein as Exhibit " A '', XXXX  XXXX XXXX and the latter 's employee Attorney XXXX on behalf of XXXX and PHH submitted false - forged evidence to the CFPB on XX/XX/XXXX constituting violations of 18 U.S.C. sections 1001 and 1343. 

Specifically, the foregoing parties continue to misrepresent that I defaulted on my mortgage loan as of XX/XX/XXXX, while omitting and concealing the first foreclosure action set forth default as of XX/XX/XXXX with no payments made thereafter through XXXX XXXX, and I tendered approximately $ 21k in payments with approximately $ 16k being cashed, non of which I am being given credit for as explained within my communication annexed hereto as Exhibit " A '' and displayed within Exhibit " G ''. 

In closing, the conduct set forth above, explained within Exhibit " A '' and displayed throughout Exhibits " B '' through " I '' that are also enclosed hereto, constitutes continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the U.S. District Court for the District of Columbia on XX/XX/XXXX in Case No. XXXX and Case No.  XXXX on XX/XX/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 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian refuses to update my credit report to include my XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX. 

I have had these accounts for 3 months now and they refuse to report them on my credit report. 

We are in the process of filling a class action lawsuit against Experian.

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 2020-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Won't let me link my pnc account to my XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: U.S. BANCORP
State: CA

Complaint narrative:
The agency should investigate and open an inquiry on the unfair business practice of USBank 's credit card division which is unfair to consumers USBANK has current policy in their small print in the statement that reads the payment of on the due date must be receive that day on or before XXXX CST otherwise the payment will be considered late and {$29.00} late fee will be accessed This policy is unfair and discriminatory especially to the consumers who are living in the west part of the country. If the due date is XX/XX/XXXX and a payment was made at XXXX PST, the payment should not be late and should not be accessed a late fee I would like the agency to review this policy have it change as not only this is unfair to consumers in the west and discriminatory as well

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 2020-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
NATIONWIDE IS REPORTING INACCURATE INFORMATION ONTO MY CREDIT FILE DUE TO IDENTITY THEFT. I HAVE NEVER HAD ANY DEALINGS WITH NATIONWIDE RECOVERY NOR THE COMPANY XXXX WHOM THEY REPRESENT. I HAVE NEVER HAD ANY TRANSACTION RELATING TO THESE FOLLOWING ACCOUNTS. 

NATIONWIDE IN THE AMOUNT OF {$1900.00} AND {$68.00} AND {$72.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Hi team, I received the following email from mattress firm with regard to my synchrony credit card account. Oddly enough this account was closed back in 2018 and yet they were able to place a substantial charge without any sort of authorization or involvement on my end. I wonder if I was the only person impacted or if this was more common. Also I question the security of a company if they can charge a closed account. 

I called and confirmed this was a valid email ( not spam ). 

Thanks for investigating! 
XXXX Email : Good Morning XXXX XXXX We recently experienced a glitch within our system that resulted in us inadvertently charging your Synchrony Finance Account {$2400.00}. The error has been reported to Synchrony and we are working with their team to reverse these charges. Since this error occurred on the back end of our system neither the store you made your original purchase from nor our customer service department will have any record of this duplicate charge or be able to assist with correcting the error. Please know, we are working to correct this and will send a follow up email once Synchrony has confirmed the charges have been reversed. We apologize if this error causes you any inconvenience. 



Thank You Mattress Firm Customer Care

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 2020-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My Chase account was closed for no reason. I had the account for a year and I have no access to any of my money. I tried to call and resolve but nobody was about to assist. I also went to a branch location to see if my money could be withdrawn and they did not allow the representative to withdraw my funds nor gave a reason as to why they would not allow me to have them. Also I have been sent messages on my chase account which I can not access because my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
AFNI Collections has reported a collection account to my XXXX  XXXX XXXX  credit files stating that I owe {$510.00}. I do not owe this alleged debt. All equipment was returned to XXXX XXXX XXXX. I have the receipts, therefore AFNI has no legal right to attempt to collect a debt. There is no debt owed. AFNI has not validated this debt nor sent me a notice of collection. AFNI is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello I am making this complaint because I am livid! today i reviewed my credit report to find fraudulent items. There are several student loans that have been open without my knowledge and several credit cards that were opened without my knowledge. These accounts are fraudulent and I demand they be removed from my report. These accounts have hurt my credit-likeness. I am currently working with authorities to get to the bottom of this matter. I have filed a complaint with the FTC please see attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MS SERVICES LLC
State: CA

Complaint narrative:
MS Services LLC is reporting a debt that is not mine due to identity theft. I have sent a letter of validation to MS Services LLC with no response. MS Services is in violation of the Fair Debt Reporting Laws and the Fair Debt Collection Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: GA

Complaint narrative:
Hello I am making this complaint because I am livid! today i reviewed my credit report to find fraudulent items. There are several student loans that have been open without my knowledge and several credit cards that were opened without my knowledge. These accounts are fraudulent and I demand they be removed from my report. These accounts have hurt my credit-likeness. I am currently working with authorities to get to the bottom of this matter. I have filed a complaint with the FTC please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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:
Hello I am making this complaint because I am livid! today i reviewed my credit report to find fraudulent items. There are several student loans that have been open without my knowledge and several credit cards that were opened without my knowledge. These accounts are fraudulent and I demand they be removed from my report. These accounts have hurt my credit-likeness. I am currently working with authorities to get to the bottom of this matter. I have filed a complaint with the FTC please see attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I want to link my bank account to my rent payments to do flex payments, but I got a message saying PNC blocked my account from letting that happen. I need help asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: TX

Complaint narrative:
Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$42.00} written off. {$42.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$42.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Credit Limit {$1000.00} Highest Balance {$1200.00} Terms NA On Record UntilXXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Lease Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$17000.00} Highest Balance {$0.00} Terms 36 Months Payment History XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$4200.00} written off. 
Account TypeUnsecured Balance {$0.00} Date OpenedXXXX Dispute XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeEducation Balance- Date OpenedXX/XX/XXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Lease Balance- Date OpenedXXXX Dispute

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 2020-07-25 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
The account is closed and I have tried to pay it off, but Barclay 's will not let you talk to anyone and keeps reporting the account. Then they said it's with a third party collection company that is unidentifiable and they will not give any contact info. The credit bureaus keeps letting them verify info and the said info is not correct. They are ruining 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