vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 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: OneMain Finance Corporation
State: HI

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ONEMAIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted. If this type of information can not be equipped, make sure to erase the item in question immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: CITIBANK, N.A.
State: NV

Complaint narrative:
Once again CitiBank is dropping the ball on a valid dispute of charges ... ( 1 ) A purchase was made on XX/XX/XXXX to XXXX XXXX totaling {$1500.00}. The purchase was for a set of two appliances ; ( 2 ) The two appliances arrived damaged and delivery was REFUSED by me on XX/XX/XXXX ; ( 3 ) I disputed the charge immediately with Citibank ; ( 4 ) Citibank initially gave a temporary credit for the charge, but then sent a letter to me saying that XXXX XXXX said " they had my signature accepting delivery for the appliances ''. XXXX XXXX NEVER said this because it never happened. XXXX XXXX says no one told CitiBank this story. 
-- - Once again CitiBank 's dispute resolution department LIED and claimed a merchant said they had 'proof the charge was valid ' when the merchant made no such statement. They have done this two times previously. Further, CitBank refused to offer proof that the merchant said they had signatures demonstrating the charge was valid -- because there was no such statement made by the merchant. 
-- - Both myself and several family members worked with XXXX XXXX making numerous calls to various departments and XXXX XXXX finally REFUNDED the FULL amount ( on two separate credits ). I sent the REFUND receipt from XXXX XXXX to CitiBank 's Billing Department Twice -- and STILL they refuse to post the Refund from XXXX XXXX. 
-- - Remaining at issue : BOTH the XXXX XXXX  purchase -- and the Refund -- were applied to account # XXXX. Because CitiBank forced acct # XXXX to be closed just before XXXX due to fraud charges, the XXXX XXXX  Refund submitted to CitiBank on XX/XX/XXXX must be TRANSFERRED FROM Acct # XXXX TO the NEW acct # XXXX. I have asked the CitiBank Billing Dept twice now to Transfer the credit/refund submitted by XXXX from acct XXXX to the new acct XXXX. Yet, the current statement now due is showing that CitiBank reversed the temporary credit saying the charge was " found to be valid '' and the full amount is showing due. 

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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 2022-01-12 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: MD

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
HDCS Payment Research XXXX XXXX XXXX XXXX XXXX, MO XXXX CC : XXXX XXXX XXXX Payment Processing Center XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX To whom it may concern : I inadvertently schedule an online payment via my XXXX XXXX XXXXXXXX online bill pay checking account ending in XXXX on XX/XX/XXXX in the amount of {$1500.00} to Home Depot Credit Services XXXX It was sent to a closed Home Depot closed account : XXXX XXXX XXXX XXXX. I contacted XXXX XXXX  XXXX right after it was sent to see if they could retract the payment to the Home Depot Credit Services account. They told me they could not retract payment at it was already sent. They opened a XXXX XXXX  XXXX Case # XXXX. They contacted Home Depot Credit Services and was unable to apparently receive a resolution. Home Depot Credit Services explained there was not a Home Depot Credit Card Account on file to apply the payment as it had been closed. Home Depot Credit Services also said due to the length of time the account was last used could not find me personally in their system. Home Depost Credit Serivces said once the identified the payment they would return the funds by mail. XXXX XXXX XXXXXXXX gave the Home Depost Credit Services representative a copy of the check and I had to provide my address. They were unwilling to work to credit the funds back to my account. It is now XXXX and still no phone call, letter or any type of resolution from either party. It appears they closed the case and do not care. I have also sent a copy of the check and correspondence received from XXXX XXXX XXXXXXXX showing payment of funds to Home Depot Credit Services and requested the check to be returned. They are just stalling or hoping they will not have to return the funds. This is very unprofessional and a discredit to our financial system.

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 2022-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My account was permanently limited by Paypal, which is respectfully an unfair decision. The source of funds is XXXX, which is where I receive my pay. The funds were meant to pay my XXXX fees ( urgent ) as well as other bills. The account doesn't necessarily have to be unlimited. I contacted Paypal and they said that I should contact the offices in XXXX which are not available therefore I'm requesting for assistance from the headquarters. It is worth considering that the source of funds is also from the United States of America ( XXXX ). Please assist a dire situation. Thank you for understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove these negative items off my report it has been more then thirty days and its been false misleading information on my report both are violations

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 2022-01-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove these negative items off my report it has been more then thirty days and its been false misleading information on my report both are violations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: HW Holding, Inc
State: FL

Complaint narrative:
Hunter warfield acting on behalf of XXXX properties is claiming I owe {$4400.00} to XXXX properties. 

They have my personal information including my date of birth, ssn, mothers name and other information of mine. 

This debt is not my debt as I have never had any dealings with XXXX XXXX and have never rented from them. 

I have tried multiple times to get this removed from my credit report but it keeps coming back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Trying to find out if JPMorgan Chase sold my loan before we sold our house or if it was still through them. 
If it was still through them, trying to find out about a payment XXXX is saying that they made for them and we owe. I have called multiple times and no one understands my questions. 

We received a letter from XXXX stating that they made a tax payment in our name for a lender ( the lender was not named in the letter ) and since we sold the home, we owe that tax payment back to them. They have sent us multiple letters and are now threatening to send to collections. 
I have spoken to 1 person at JP Morgan Chase that said they have no clue who XXXX is and it is definitely a scam. If that is proof, I need a letter stating that XXXX did not pay my taxes and this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute by mail to Equifax regarding a 60 day late payment being reported by XXXX XXXX which is incorrect. Equifax failed to conduct an actual investigation and provide supporting documents showing why they are stating the late payment is valid. I requested their method of verification and that was also dismissed. I filed a CFPB complaint and Equifax closed the case which makes no sense how that was allowed based on their reason which was once again generic and did not make sense either. No actual ethical investigation has been completed by Equifax or this payment would already be deleted. Equifax responded with " we hope this resolves your concerns '' but left out how it may have resolved my concerns as there was no information of the action they took other than closing the complaint. Equifax needs to be held accountable for their lack of investigation and inability to provide supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I would like to file a complaint and a possible lawsuit against TD Bank for discriminate against me having me stand outside in the cold of a bank not allow me to speak to anyone in customer service putting my funds on hold without any explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I am showing recent hard inquiries that I am not familiar with.I believe someone may have made these inquiries without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Citbank has refused to update XXXX of my settled less than full settlement I made on XX/XX/2021. They have acknowledged that theyve received the payment and that a settlement was reached. Yet they refuse to send that same notification to XXXX. This is a blatant attempt to continue to ruin my credit and prevent me from getting future loans. If the issue is not corrected appropriately I will be contacting my lawyer.

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 2022-01-12 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: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
Per XXXX  website states im 30 days or more pass due of {$330.00} owed to regional acceptance ( car loan company ) I called regional acceptance today at XXXX spoke with manager name XXXX XXXX who emailed me a copy of my payment history with regional acceptance for XX/XX/2021 showed paid, XX/XX/2021 showing WaiveInt ( meaning i filed for this payment to be extended moved to the end of the loan agreement ( so this isn't due ). XX/XX/2021 showed paid. 

so im not pass due 30 days or more with regional acceptance!

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 2022-01-12 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: OH

Complaint narrative:
My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX My personal information, SS XXXX XXXX XXXX. I was just made aware of a fraudulent loan that was taken out under my name and credentials without my knowledge or permission. I have never done any business with a XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX ). I am disputing this under the Federal Law FRCA 605b. I have contacted the XXXX Police and the FTC and filed complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Today I am writing about Navy Federal credit Union for veterans I was denied a mortgage I was denied a credit card called flagship and I was denied an extension of credit I have been a member since 2004 and my credit score is now report XXXX XXXX XXXX with all the three major credit bureaus this bank has something against me and refuses to work with me in any capacity I need help they have been denying me for everything that Ive asked please help. its either because Im XXXX or they have some type of rife with minorities since they are not trying to work with me in shape or form. I want to escalate this matter Immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX transferred me to XXXX XXXX  telling me that they were XXXX XXXX XXXX. I then provided private information to XXXX XXXX  with the understanding that they were XXXX XXXX XXXX XXXX I was later told on the phone that I was not actually speaking to XXXX XXXX XXXX anymore and the rep was actually with XXXX 

They transferred me to another company to which I unkowningly provided private information. This is not OK!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo deposited the attached check to XXXX without a proper endorsement. This appears to be a violation of Uniform Commercial Code ( UCC ) 3-206 Subsection C, as the endorsement section is completely blank.

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 2022-01-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
On XX/XX/XXXX I took a loan from US Bank in the amount of {$32000.00} to consolidate debt and pay off a home equity loan with XXXX. The original loan document states that my property was secured by another mortgage. The original loan document doesn't even identify the loan type but at some point in time US Bank treated the loan as a " mortgage ''. 

At the time that I took out the loan no escrow account was created. In XXXX, unbeknownst to me US Bank opened an escrow account for insurance. I called them in XXXX to cancel the insurance and notified them that my homeowner 's insurance and taxes were being paid by my first mortgage lender. 

While I was deployed overseas between XXXX, XXXX, and XXXX US bank continued to charge homeowner 's insurance. When I paid of my remaining balance of {$9700.00} this year they stated that I owe {$4700.00} to close the account due to " escrow advances ''. When I realized they had been charging me duplicate insurance for three years, I told them I could provide proof insurance from my other bank. 

US Bank representatives stated they would remove the charges if I furnished them copies of insurance. I obtained copies of the insurance from XXXX XXXX XXXX and sent them to US Bank. Apparently, it doesn't matter because both policies taken from the banks were lender forced and this somehow makes a big difference that I was double charged. 

After one month of phone calls, the US Bank representative finally said today they will not even attempt to contact the insurance company and reverse the duplicate mortgage insurance charged to my account. So in three years I spent $ XXXX on homeowner 's insurance between the XXXX banks on a house that is worth $ XXXX. 

The insurance should have only cost me {$1800.00} over the course of the three years I was double charged by the banks. I don't even understand why US Bank took out a $ XXXX policy if the insurance policy only covered the $ XXXX that I owed the bank and if the insurance company will not even talk to the Borrower whose home is covered by their policy. 

To add insult to injury the insurance company that XXXX and US Bank used in XXXX, XXXX, and XXXX was the same. The name of the insurance company is XXXX XXXX XXXX XXXX. Why would the insurance company accept duplicate payments for one property? Why are both banks saying the insurance company does not refund for duplicate payments?

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 2022-01-12 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: CA

Complaint narrative:
I am XXXX XXXX writing this complaint regarding a dispute with Transunion. Without any influence from any third party. Attached documents and ID as it contains my full compliant and request.

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 2022-01-12 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I am showing recent hard inquiries that I am not familiar with.I believe someone may have made these inquiries without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute by mail with Experian regarding inaccurate information being reported. Experian indicated the information was valid however they failed to provide details that I requested such as how they verified the information and requested supporting documents. Experian continues to dismiss my request along with actually verifying the account which can be proven by looking over my report. There are clearly errors on my report that manipulates the status of limitation and if Experian was actually reviewing and conducting an investigation then they would have identified those errors and if they were ethical then they would have deleted/updated the account. Experian continues to send generic responses stating it was validated when it wasnt. An actual ethical investigation has not taken place and they need to be held accountable as this has a negative impact on my report and credit score.

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 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CORELOGIC INC
State: CA

Complaint narrative:
I was speaking to XXXX XXXX XXXX XXXX regarding a letter received. They transferred me to CORELOGIC telling me that they were actually XXXX XXXX XXXX XXXX. They asked me private information and then later told me they were actually with CORELOGIC and not XXXX XXXX XXXXXXXX XXXX. They got personal information out of me when they should never have done so. They should have been truthful about who I was speaking to.

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