vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consolidated Information Services Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/2021 I noticed a new inquiry from XXXX XXXX 4 different times on my report. I have never applied for this account especially not this many times please remove this for it is fraudulent that this company allows this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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:
I need the help of the FTC and CFPB with resolving vague and misleading investigations carried out by TransUnion. I've sent them various challenge letter over the last 120 days some of the most recent which I've included below. TransUnion has several times taken more than 30 days to conduct their investigations as permitted in the FCRA. Also, they have repeatedly failed to mark several of these accounts as being under dispute when they received my dispute letters and lastly TransUnion has completely failed to fix countless errors associated with these accounts as outlined in my past challenge letter attached below. I'll be filing my next consumer complaint with the FTC against these erroneous creditors listed on my credit report and against TransUnion to enable them investigate these inaccurate accounts and ensure their deletions.

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 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
Hello, So here we are again. Every time there is an escrow analysis or change with my account there is an issue. Not to mention the issue is always when the servicer owes me money. 
Han an analysis done XX/XX/XXXX. There was an overage of XXXX dollars. Check was supposedly mailed XX/XX/XXXX from literally XXXX mins away. Today is XX/XX/XXXX and there is still NO check. 
I called them and spoke to a nice young woman that was very sympathetic, and she advised me that I needed to wait 30 days for them to reissue the check. Not only that but I need to call them and request it when 30 days is up. 
This is ridiculous. There is no way it takes 30 days to mail something to somewhere that is in the SAME STATE. 
Perhaps XXXX dollars is not a lot of money to them but when you have XXXX and your hours are reduced for treatments it makes a huge difference. 
I have had nothing but delays whenever I ask for any assistance from this company. It is sad. I am also not interested in why it takes so long, as I know that it is possible to stop and reissue it sooner. Please send me my money. I can not afford to wait another month because XXXX cant figure out how to mail a letter. Also Please don't blame the USPS as I know mail is delayed, but it is not delayed for this long. I suggest guaranteed rate look for a new subservicer. XXXX is terrible. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I opened a PNC account. The terms of there offer : You may earn a {$300.00} reward if you open a new Virtual Wallet with Performance Select To qualify for the reward, the new Virtual Wallet product must be opened online via the application and a qualifying Direct Deposit ( s ) must be received within the first 60 days. 

The total amount of all qualifying Direct Deposits credited to your Spend account must be at least {$5000.00} for Virtual Wallet with Performance Select. 

My direct deposits posted to my account on XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 totaling {$5000.00} within the 60 days of opening. 

Ive chatted with representatives numerous times after the bonus did not post a few weeks after. Every time they insisted that I have met the terms and it would post by today XX/XX/XXXX. I contacted them again today and just now they are escalating. However, if so owed the bank money I would be asked to pay interest and late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: CA

Complaint narrative:
XX/XX/XXXX We entered a 60 day escrow ( closing date to be XX/XX/XXXX ) XX/XX/XXXX Completed mortgage application ( jumbo loan ) XX/XX/XXXX Loan Officer Income review completed & contract received XX/XX/XXXX First round of documents requested and uploaded ( in between lots of emails received requesting documents and over 100 documents uploaded ) XXXX Received email " Final items for clear to close '' ( in between MULTIPLE emails requesting MORE documents than the " final items '' originally listed ) XXXX ( final business day before supposed to close ) ; more documents requested and notified that " investor '' requiring an additional $ XXXX in cash reserves, but can't take it out of our business account. " We are XXXX short. can this be gifted to you by a relative? " ; We advised we would sell $ XXXX in stock and asked to run bonuses through company to appease the investor. We were instructed to do it - because of the $ transfer process, we advised that this would take us an additional 3 days past closing date. 
XX/XX/XXXX - 60 DAY CLOSING DATE ( comes and goes ) XX/XX/XXXX we were advised that investor " did not accept '' our reserves and was declining our loan. They advised that they had another investor they could go to, but would need until XX/XX/XXXX to close. 

We contacted our bank and the loan closed in 6 business days. We do not need resolution from Fairway. We have bought and sold many properties involving jumbo loans and believe that this company is not experienced enough in jumbo loans to properly service them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

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 2021-08-12 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:
I have sent several letters to the credit bureaus and XXXX XXXXXXXX regarding the bankruptcy and items linked to that being reported. They have not properly or legally verified that information as I received a letter from the Bankruptcy court letting me know that they do not report this information to the bureaus or any 3rd party reporting agencies. Equifax has kept this record after I have disputed this online and by mail. XXXX and XXXX have not resolved or updated me after more than 15 and 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2021 a transaction of {$490.00} was made on my capital one credit card to front gate tickets for concert tickets. This was a double billed transaction, I only intended to purchase half of the tickets/transaction amount. 

I contacted the ticketing company and capital one to get a refund for half the amount. Capital one gave me poor advice on how to handle this transaction and directed me to accept disputing half the charge. Well front gate cancelled my entire order and capital one will only refund me for half my purchase. So I have XXXX tickets and had to pay {$240.00}. I contacted the ticketing company again, and they said they are having issues giving me a full refund due to capital one. All I would like is a full refund for my order that was fully cancelled. 

They are not protecting the customer, they are protecting the merchant. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Bureaus are not reporting factual accurate information. Information across all bureaus is inaccurate and different. Some bureaus are reporting some accounts open, while the other bureaus report no information. Charge off with balances attached. Inaccurate balance. No proof or shown of validation of the debt.

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 2021-08-12 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: TX

Complaint narrative:
FCRA VIOLATIONS : UNLAWFUL INQUIRES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an alert via email through my credit monitoring company that there was a debt collection from a company in Texas. On XX/XX/XXXX, I called my credit monitoring company and the representative told me it was from an internet company. It stated that I had a balance of {$450.00} that was yet to be paid. The alert reported that I had " opened '' an account with the company on XX/XX/XXXX. My credit monitoring company, XXXX, stated these collection agency accounts can negatively impact my credit and can remain for 7 years. I looked up the company called, CREDIT MANAGEMENT L.P, and looked at the reviews for the company. It seems that this is a consistent problem with Credit Management L.P with other people stating that they have been sent false debt collections for a service they have never used.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to my local Chase Bank branch and as always was directed toward their Indoor ATM/Teller machine. I first had to pull out cash from my IRS stimulus debit cards so I could transfer the funds to my checking account. The machine had trouble with this and only allowed me to removed a portion of my available funds that equated to roughly {$1600.00}. I then needed to deposit my businesses checks to my business checking account in addition to the cash I had just withdrew along with a few other personal checks. In total, the deposit was roughly {$25000.00} give it take a few XXXX dollars. After inserting the cash and then the checks, the machine began to process the items. Then out of no where it spit my money back out to me. I was shocked and very confused. So I took my cash out of the tray for fear that it would get stuck. Then the screen started to show a load symbol, then made a bunch of noises like it was processing my checks, and suddenly and error message popped up with instructions to call a 1-800 number. I grabbed a teller and they were very perplexed by this instance and instructed me to call. I called and spent nearly 30+ minutes on the phone with a customer service rep who had no idea what to do. He said they would send a team of researchers to investigate the situation in 10 days, and if there was no remedy, they would loan me the {$25000.00} until it was settled. The branch staff had said that this has happened before but never with this much money. So they just told me to deal with the customer service people over the phone. Ultimately, no action has been taken by chase or the branch staff to fix the machine and they then continued to allow other customers to use the machine and even directed them to use the exact ATM that had just taken all of my money without depositing it. I have people and bills to pay and checks that have been written, yet the branch staff nor the customer service reps seemed like they had any care to fix the situation. Please help me track down my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Recently, a collection agency named XXXX XXXX started reporting an $ XXXX collection on my credit report. I have no clue what this could have been, because I have never has an unresolved debt of this magnitude. And before this account showed up on my report, they never tried to contact me about it. I was under the assumption that they were required to contact me and give me an opportunity to contest a potential collection before they report it. I certainly would have done that, but I was never given the opportunity. I have since contacted this collection agency directly to complain, and ask for further explanation about this phantom debt. But there representatives are very rude and tell me that they don't have to give me that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of account that is still reporting on my Credit Reports : XXXX  XXXX-Balance : {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I am an authorized third party, representing borrower XXXX XXXX, owners of XXXX XXXX XXXX, XXXX, Illinois XXXX. I am mediating a short sale, under the supervision of attorney XXXX XXXX, for Mr. Cooper serviced mortgage. As part of my work advocating for the XXXX family, I made Mr. Cooper aware the property was in poor condition and for best valuation data, we were requesting an interior appraisal be performed to best ascertain property value. I have made 4 requests for a copy of the valuation report : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, with the last 3 requests asserting Ms. XXXX 's right to the appraisal, providing a copy of the regulation to each entity - in particular ; BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1002 [ Docket No. XXXX ] RIN XXXX Disclosure and Delivery Requirements for Copies of Appraisals and Other Written Valuations Under the Equal Credit Opportunity Act ( Regulation B. ) I pointed both Mr. Cooper and XXXX 's employees to pages 2, 23-24 and 27, which specifically address the responsibility of servicer to give loss mitigation borrowers a copy of their valuation reports. On XX/XX/2021, Mr. Coopers rep reported management decided short sales borrowers were excluded from the regulation, even though I specifically highlighted the findings on page 27 of the regulation stating otherwise. To date, I still do not have a copy of the valuation report. I believe Mr. Cooper is withholding the valuation report because they know it is a flawed report and to attempt to exhort more money from buyer at risk to Ms. XXXX family of losing a true fair market value offer for their property. 
XXXX This is the second time I have had to file this exact complaint against Mr. Cooper. The last ( # XXXX ) resulted in Mr. Cooper complying. Because of this fact, I am asking for more strict penalty against Mr. Cooper for their persistent disregard for the regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: Synovus Bank
State: FL

Complaint narrative:
To whom it may concern, My complaint is regarding my credit card account with First Progress Select. They are reporting a late payment for the month of XX/XX/2021. The payment was made on time in good faith per First Progress payment protocol. First Progress unlike most Card Issuers do not have a payment portal on their website. You are directed to pay the monthly bill through your banks bill payer service or other third party services. 

This is where the problem arises. Once I make the payment through my bill payer service I have no control from that point when the payment will be actually made. My bank mails the payment on some occasions. As a result of my bill payer service not routing the payment on time it has resulted in a late payment being reported in my credit report when the payment was initiated on time. 

Please provide whatever assistance you can with this matter. My credit score was reduced 15 points because of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called Experian they told me they are not able to assist me I would need to handle any dispute myself, I explained I tried with no success, here is the problem with my credit. 
I have two inquires on my credit that I did not authorize, I tried calling both companies to dispute without success, the 1st company is XXXX XXXX XXXX XXXX. XXXX unable to get anyone on the phone to assist. The 2nd company is XXXX XXXX XXXX XXXX they were unable to find anything under my name and number but did not give out my social security number.

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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation