vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: THE MONEY HOUSE, INC.
State: PR

Complaint narrative:
For the last three weeks Ive been trying to get all documents that Im entitled to under RASPA laws.Through emails Ive asked for these documents and XXXX XXXX has repeatedly stated they are on the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waterfall Revenue Group
State: DE

Complaint narrative:
I have a medical collection from a practice that I have not associated for several years. At the time of my last visit with them my account was current with no debt owed. I have a collection acct on my bureaus- I was able to dispute with XXXX  and it was removed, however it remains on the other bureaus. I have never once received any bill or indication of what this amount is from. I have checked with my insurance and there were no claims submitted for this time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: NV

Complaint narrative:
Requested to cancel my XXXX  XXXX  membership on XXXX. Informed to cancel through ABC Financial at XXXX Monday through Friday. On XXXX I contacted ABC Financial to request cancellation. XXXX is directing me back to XXXX  XXXX. I want ABC Financial to stop charging my account and cancel my membership as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I have sent several disputes into XX/XX/XXXX requesting for the following collection to be removed XXXX and XXXX XXXX XX/XX/XXXX XXXX however the negative markings are still be reported Monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
we had a modification with XXXX XXXX  when BSI bought loan did not take it over. tried get me sign new paperwork then put me in foreclose do to not signing. I called several time with no call back. putting over XXXX XXXX in escrow and charging me late fees. I ask several time why the XXXX  was not the same just would tell me to sign paperwork send back. they never even called old mortgage company for XXXX. i have not been perfect in the past yrs with older mortgage company 's do to a string of family health problems and bills but did not miss one payment when XXXX XXXX put me on XXXX. all I want to do is to down size my house and move. I like to fix few things in house try sell it for top dollar so BSI get their money maybe I walk away with something. but I would have to be out of foreclose to be able move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote XXXX letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
I recently refinanced my mortgage with Loan Depot closing at the end of XX/XX/XXXX. During the origination process LoanDepot required that I raise my flood insurance coverage to {$200000.00} and handled this update to coverage themselves. This was fine given the new loan amount and the flood policy was updated, or so I thought. Since I closed on the mortgage it has not been transferred and has remained under control of loan depot mortgage servicing. In early XXXX both myself and loanDepot were mailed a Flood insurance Expiration notice with the renewal premium of {$360.00} that was previously updated by Loan Depot to was due. Payment never ended up being sent from my escrow account by LoanDepot and on XX/XX/XXXX the insurance company reached out and notified me that it had not been paid. I checked my escrow activity and noticed it had not been sent either. I initially reached out to LoanDepot an re-provided all documentation they already had on file as they were the ones who originally increased the insurance amount. After several days of back and forth and even getting the insurance company themselves directly involved loandepot finally sent over the payment from my escrow account on XX/XX/XXXX. I received an email from the Insurance company this past Friday XX/XX/XXXX notifying me that they sent {$15.00} less than the total premium and only sent {$340.00} instead of {$360.00}. They let me know that if funds are not received by LoanDepot by XX/XX/XXXX that my policy will have to be redone and the premium will increase substantially due to how long the policy has been in place. I have tried unsuccessfully to get LoanDepot to do anything about this since Friday and am going to just remit the {$15.00} myself to ensure my policy stays in tact. I want to see what further action can be taken against LoanDepot in this matter as they could care less to let someones policy lapse and do not properly manage escrow accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I wrote a formal complaint to Experian on XX/XX/20 requesting an investigation into an inaccurate and incomplete credit information. I demanded that they remove the Chapter XXXX and Chapter XXXX bankruptcies from my account due to the fact that they were not mine. 
I did not hear from them after 30 days so I wrote them again using certified mail to remove said items from my report, but much to my chagrin, nothing has occurred. 
I have included a copy of the second letter along with the receipt of the certified letter that was sent to Experian. 
If you have any questions, I am free to discuss this situation. 

Thank you in advance for you assistance. 


XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: MD

Complaint narrative:
In a letter dated XXXX, XXXX, XXXX  The Bank of America said they were closing my account because they have chosen not to service the type of business I was operating in which is odd because they are head sponsors of events in the same business which is XXXX XXXX   and also provide services for XXXX XXXX betting outlets. I could find no mention of the Bank of America ending their association with XXXX XXXX 

If it isn't already this kind of denial of service should be illegal for a publicly traded company. It creates hardships especially for small business where ever cent matters. It also requires establishing new relationship with another financial institution that may decide to do the same thing not long after going through the process of establishing an account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: MO

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN UP SEVERAL ACCOUNTS IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Conduent Incorporated
State: OK

Complaint narrative:
Ive contacted Way2Go on several occasions and they stated there records do not show any mismanagement of funds on my account nor have I been overcharged by several companies. This is completely false and clearly shows that certain companies have credited back their Processing hold on my account. Theres over {$600.00} now being held under processing in which Way2Go, Conduent, refuses to release the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: TX

Complaint narrative:
I have been mailing letters requesting that items on credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of XXXX. It frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been mailing letters requesting that items on credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of 2020. It frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a PayPal Master card via Sychrony Bank. I have had the card for about a year. I have a {$14000.00} credit limit. I was as heading out of the  USA on XX/XX/XXXX so I paid my {$13000.00} bill online XX/XX/XXXX. The money left my bank account on this date. While out of the USA I attempted to use the MasterCard on XX/XX/XXXX and the charges were declined forcing me to later use an alternative payment. 5 calls to Sychrony Bank provided no relief. I was told that large payments are on hold to verify and that my credit line would not be restored until XXXX XXXX. I asked where is the {$13000.00} that left my account on XX/XX/XXXX. They replied it is on hold as it is a large payment. I consider this to be a dishonest business practice to use my funds for 14 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote a formal complaint to Trans Union on XX/XX/20 requesting an investigation into an inaccurate and incomplete credit information. I demanded that they remove the Chapter XXXX bankruptcy from my account due to the fact that it was not mine.

I did not hear from them after 30 days so I wrote them again using certified mail to remove said items from my report, but much to my chagrin, nothing has occurred.

I have included a copy of the second letter along with the receipt of the certified letter that was sent to Trans Union.

If you have any questions, I am free to discuss this situation.

Thank you in advance for you assistance. 


XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal Law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report.

Experian is reporting inaccurate information with these accounts and not giving out proof of verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I filed a dispute 3 months ago regarding this inaccurate information on my credit report however, Experian is not doing their investigation. I have not received any verification for these accounts. They are reporting inaccurate Dates and Balances. I have been sending them letters, but I never received any responses from 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 2020-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I have been a customer of Kohl 's and have had a credit card with them for close to 10 years now. I recently noticed on my statement that the XXXX had changed from 23.99 % to 24.99 % without getting any notice from Kohl 's on the increase in the interest rate. I called and asked them to explain to me how they were able to increase the rate without informing me, and they stated the letter " must be lost in the mail ''. Now, they do have my email address, and phone number so I would say there would have been other ways for them to contact me especially considering I am a loyal customer. This is what I currently have on my statement : Purchases 24.99 % ( V ) {$1200.00} - interest charged for the month - {$25.00} PROTECTED BALANCE 23.99 % ( V ) {$580.00} - interest charged for the month - {$11.00} They also told me the Protected balance is purchases I have
made prior to the increase in the XXXX, but again I was never informed or agreed to the new terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: NC

Complaint narrative:
I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XX/XX/2020. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX on XX/XX/XXXX XXXX at XXXX XXXX atm was trying to withdraw {$80.00} dollars and the machine did not give me the money yet I received the charge. I called the ATM company PNC Bank which than told me to call my bank. I filed a transaction dispute with XXXX  XXXX XXXX which was rejected by the bank. I need the {$83.00} back. Because i never got the money from the machine and i really need the money. Thanks XXXX XXXX XXXX XXXX XXXX , Ca XXXX # XXXX XXXX fee {$3.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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 — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
Aspire Credit Card, Dispute Resolution, Trans Date Post Date Description of Transaction or Credit Amount XX/XX/20 XX/XX/20 XXXX   XXXX  XXXX XXXX/XXXX XXXX {$11.00} Payment Processing Reference Number : XXXX XXXX XXXX XXXX XX/XX/20 XX/XX/20 XXXX XXXX XXXX XXXX/XXXX   XXXX  {$74.00} XXXX TX XXXX Reference Number : XXXX Directly after seeing the credit card statement, I called the company to inform them that I did not make these two purchases. They immediately cancelled that card and sent a new one ( which is not activated ). They seemed to be helpful, and told me they were sending documents for me to complete and sign, The documents came later than it was dated, and I returned them shortly afterwards. I received a letter that claimed that the affidavit was not returned in a timely manner, and therefore hindered their investigation, making me responsible for payment of the transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to Experian several times to formally and legally ask them to remove these inaccurate and illegal accounts from my credit report. However, after several formal certified mail FCRA disputes they continue to ignore my requests. This information does not belong to me and they have failed to show me how they officially validated this false accounts. I recently filed a Federal Trade Commission complaint to resolve this issue. 

XXXX XXXX XXXX Amount : {$740.00} Date opened : XX/XX/XXXX. 

XXXX XXXX Amount : {$7000.00} Date Opened :  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 2020-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: FL

Complaint narrative:
Applied for a VA refinance of my conventional loan through XXXX XXXX. 
I have been charge closing cost totaling {$34000.00} to pay certain bills. 

Sun West Mortgage Company , Inc. is the lender of the loan # XXXX working with mortgage broker XXXX  XXXX, XXXX. Thus far the loan pay off to the XXXX of {$510000.00} is not paid. This group has serious problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Someone got my Amex credit card number and made unauthorized purchases. I reported this to American Express several months ago and closed my account. 

But, they keep asking me to pay for charges that I didn't authorize.

Company response to consumer: Closed with explanation