vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Coastal Credit, LLC
State: VA

Complaint narrative:
On XX/XX/21 XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) offered terms for a HELOC which verbally included all closing costs. I applied. XXXX XXXX, the underwriter, later informed me that certain promises were not true. XXXX lied and said NC does not charge transfer taxes and a follow on conversation with XXXX XXXX continued this lie. NC most certainly has transfer taxes.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-08 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: MI

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I purchased a new vehicle through financing with Chase Auto in XXXX of XXXX. In XXXX of XXXX, I had inquired about refinancing that loan with XXXX  XXXX to get away from what I viewed was extremely predatory practices by Chase ( continuing to charge late fees when they had info on record that I was unemployed due to COVID-19, even amongst the media reporting they were waiving late fees for their credit card holders ). 

XXXX XXXX contacted Chase on XX/XX/XXXX for payoff info. On XX/XX/XXXX, Chase received a check for that payoff amount but didn't record it until several calls and tracking info from me 2 weeks later. As if that wasn't enough, Chase informed me that the 2 entries on my ledger balance that I noticed while trying to figure out why they hadn't recorded my payoff with them that were labeled " REFUND CREDIT '' and " GAP REBATE '' were not in fact rebates or refunds to me, but simply to indicate they cancelled my GAP insurance and applied the unused balance to my payoff. I asked them how they had permission to cancel my insurance, and they said it's an automatic process when loans are paid off. 

I have several screenshots of ledger entries that indicate I'm due a refund, but have not received anything or heard a consistent reason why. First I was told that it's an automatic process... then I was told that someone physically cancellled it. When I asked what date it was cancelled, they can't provide it. 

My main concern here besides the invisible refund of my insurance that was overpaid by me is that they cancelled insurance without my knowledge. If I would've totalled my car in between title transfer process, what would I have done? 

I feel everything about Chase Auto has been predatory since Day 1, and I'm hoping you guys can look into this. I can provide any additional information you may require to document my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: Mountain Run Solutions, LLC
State: FL

Complaint narrative:
XXXX XXXX was paid in full and equipment returned. Its impacting my credit and they wont remove it because the account was fraudulently sold to a credit collector that continues to damage my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP.
State: MI

Complaint narrative:
I applied for a loan with 21st mortgage and was approved for a 5 % down payment then they found out the house I was buying was being sold by a person through XXXX XXXX XXXX XXXX XXXX owned and changed it to 20 % down. They never communicated during the process and kept loosing the items I have sent them. My daughter got ill right after we moved in and I have set arrangements to pay the past due they where not flexible at all and now that we made the agreement they have decided to change the terms if the agreement and rather then catch up 1 past payment by the XXXX of this month now I must pay it all even though I made my XXXX draft over the phone with them as they requested. I never get the same answer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Lima One Capital, LLC
State: NC

Complaint narrative:
Paid for an appraisal and it was never completed and refund was never processed after promises. No update on finalizing loan title work for almost 2 months now.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-08 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: MD

Complaint narrative:
I submitted a dispute and an FTC report for fraudulent accounts on all 3 credit bureaus. 

XXXX - XXXX {$1100.00} XXXX XXXX {$1000.00} XXXX - XXXX {$1100.00} XXXX XXXX {$1000.00} Equifax - XXXX {$1100.00} XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
Chrysler Capitol ( Santander XXXX ) reported late payments on two different bureaus ( XXXX ) for XX/XX/, & ( XXXX ) for XXXX of XXXX. All payments were paid BEFORE the due date of the XXXX of each month, which was falsely and incorrectly recorded by Chrysler Capitol ( Santander XXXX  ) I was billed two different invoices for XXXX in which my on time payment not recorded on one invoice and was given a bogus late assessment fee out of no where. Invoice for XXXX shows a on time payment for XX/XX/ but was reported as late on XXXX. I have proof of payments on time for both months in which I have attached for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
When I turned XXXX this year I went to open a student credit card for college when they told me my credit had debt I owed knowing Ive never had anything in my name my whole life. After finding this out I created a XXXX account to dispute this claim towards me even though it wasn't mine. Continuing my dispute they claimed it wasnt negative even though the debt I owed clearly isnt mine. It was supposably in XXXX  and in XXXX I was XXXX years old. I just want this off of my credit because when I turn XXXX Im supposed to have no credit not negative for a payment that never belonged to me.

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 2021-09-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello my name is XXXX XXXX, I am reaching out because there is some accounts related to a bankruptcy? Showing on my credit report, I have never been involved in any bankruptcy, and this is due to me being a victim of identity theft. I have reached out to the three major bureaus informing them of this fraud on XX/XX/21 and they all claimed that this information was verified, but couldn't produce anything other than saying it was verified on their end. I have submitted the necessary FTC report and Identification that was requested from me in regards to getting these fraudulent items off of my credit report. I was involved in the XXXX data breach and also informed them of that and they said that means nothing.

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 2021-09-08 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: SC

Complaint narrative:
I need credit report update XXXX XXXX XXXX and XXXX 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 2021-09-08 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: SC

Complaint narrative:
I need credit report update XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central States Recovery, Inc.
State: MO

Complaint narrative:
CENTRAL STATES RECOVERY C/O XXXX XXXX XXXX XXXX XXXXBOTH PARTIES WERE NOTIFIED/RECEIVED NOTICE ( HAVE CERTIFIED MAIL RECEIPTS ) IN XXXX OF THIS YEAR AND AGIN IN XX/XX/2021 TO CEAST AND DESIST COLLECTION ACTIONS FOR MEDICAL DEBTS BELONGING TO MY ADULT SON WITH WHOM I HAVE NO CONTACT. 

THEY HAVE BEEN GIVEN THE CORRECT NAME AND ADDRESS VIA PHONE SEVERAL TIMES AND HAVE REPEATEDLY SENT BILLS TO COLLECTIONS IN MY NAME IN SOCIAL FOR SERVICES I NEITHER RECEIVED NOR AM FINANCIALLY LIABLE FOR CAUSING HARM TO MY CREDIT WHILE I HAVE TO TAKE TIME TO DISPUTE. 

THIS IS NOW VERIFIABLE HARRASSMENT AND THE ENTITIES NEED TO HAVE ACTION TAKEN AGAINST THEM AS THEY ARE CAUSING DOCUMENTABLE HARM TO MY FINANCES AND WASTING MY TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: NC

Complaint narrative:
I have informed Equifax, XXXX and XXXX that they are all reporting my XXXX payments and dates differently. 
They have failed to accurately update the payment history. In accordance with FDCPA 807 violation- reporting inaccurate and misleading information has to be deleted immediately. Please have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
On XX/XX/2021 a charge {$12.00} from park receipts in XXXX  appeared on my mastercard HSBC. I live in XXXX. I contacted and reported disputing this charge 3 times. After waiting 3 weeks my card was closed but now I can view my statements and balances on line but can not make any payments or transactions. The disputed charge still remains.

They sent me a letter attached asking for a response. On XXXX I faxed response and letter back. Attached. HSBC on XX/XX/2021 wrote me another letter saying attempts to contact me have been unsuccessful. 
SUCH XXXX! Instead of writing nasty letters and miscommunicating they should recognize an Obvious fraudulent charge. INVESTIGATE XXXX! Thats your job HSBC. WILL NEVER USE HSBC AGAIN!! It is illegal for me not to be able to access my account and pay these XXXX off! I have contacted you numerous times. HSBC has been unresponsive and negligent in bogus fraudulent charges and terms of agreement with card holder. Now HSBC has the balls to tell me 10 calender days or else. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi. 
I contacted Transunion and asked for assistance with removing credit inquiries. These inquiries are not authorized by me. It happened today and I immediately called to have them removed. They said I need to submit a letter of removal from XXXX and send in documentation. I called XXXX and they said they couldnt provide such letter. 
I am asking that they remove the XXXX inquiries from XX/XX/2021 and XX/XX/2021.

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 2021-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021, BOA unilaterally closed my bank account without any notice, and seized all account funds in it ( approx. {$22000.00} ). BOA sent a letter notifying me of the account closure, but no reason was given. After a visit to my local BOA branch office, and repeated calls to BOA, I finally learned that my account closure was due to " Suspected ACH Deposit Fraud '' on the account ( there was none ). BOA never reached out or communicated to me in any way before closing the account. The funds in this BOA bank account were my California Employment Development Department ( CA EDD ) benefit, which I have been regularly transferring into this checking account. BOA has now closed this account for no legitimate reason, and the funds are gone. I emphasize that my CA EDD benefits are all qualified/legitimate, as is all activity on this bank account. There is absolutely NO FRAUD in this matter.

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 2021-09-08 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: NY

Complaint narrative:
Since XX/XX/2021 to present XXXX had been updated on credit report. I spoke to XXXX on XX/XX/XXXX where it was stated my account is no longer with there company. It has been closed and sold to a third party 3 years ago. The 3rd party was never updated on credit report. So whomever is stating there XXXX on my credit report trying to retrieve monetary is fraudulent charges and I want it removed. Due to no one ever stating my account in the past with XXXX was sold. Also the fact that XXXX no longer owns an account in my name looking for over {$300.00} dollars.

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 2021-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems LLC is a third-party debt collector, who purchased my consumer account from XXXX. Which is a violation pursuant of 15 USC 1692c. I did not give permission for this action. I paid this debt out to the third-party debt collector, Jefferson Capital Systems LLC . I reached out to XXXX to get this resolved, but they refused to correct the issue. XXXX sent me a letter validating their actions and made a threat to furnish this information negatively on my consumer report. This information is currently being reported negatively on my consumer credit report, by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I. In XX/XX/XXXX, through her bank, Capital One, and financial services firm, XXXX XXXX, my mother purchased an annuity for a term of 3 years, to end in XX/XX/XXXX. 



II. As per the contract, she was supposed to get notice of expiration in XX/XX/XXXX, however, no such notice was received. Not from Capital One, Not from XXXX XXXX, and Not from Principal. These three entities colluded to act in a deceptive manner and are pointing fingers at one another. Capital One saying XXXX is responsible, and XXXX saying Principal is responsible. Principal continues to hold my mother 's money XXXX and refuses to return the full amount due. 



III. Principal renewed the term for another 3 years without authorization, and are holding her funds XXXX, and will not surrender them without assessing substantial penalties. 



IV. We've contacted XXXX XXXX, who passed us on to Principal. Principal claims to have sent a letter, however that was not received by my mother. They have also not provided any proof of the letter being sent. Just a digital copy of a potentially backdated letter.

V. Multiple calls to XXXX XXXX, Virginia Bureau of Insurance Commissioner have gone unreturned. 

VI. We demand the full amount of the account to be returned, and an interest penalty of 18 % per year for the additional time these entities continue to hold our funds XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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:
Hello I sent my dispute letters for the accounts and for the hard inquires to Trans union, XXXX and XXXX on XX/XX/2021. I have not heard back about my dispute or with the inquires. I sent the letters asking that the inquires be removed from my profile because I did not approve them. I am not able to get the issue fixed. I have waited over 30 days and have no response.

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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
PHH Mort Svc XXXX has been paid off since XXXX of XXXX. There are numerous late payments reported and I was never late paying the note. I have called constantly to rectify the problem and was told that it would be taken care of. I am in the process of purchasing a new home and I am having trouble with these late payments. Please have them removed and report as " Paid as agreed '' XXXX XXXX XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX  XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX I have filed an FTC report on all of these items along with the numerous inquiries reported on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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:
Upon checking the updates on my Transunion credit file, I came across an unverified account placed on my credit file by XXXX XXXX XXXX. From to an apartment lease with XXXX XXXX in XXXX, TX that i did not sign. that I did not sign the was previously deleted XX/XX/2021. acc # XXXX. 
This credit reporting agency is in violation of the FCRA rule that states, " if a dispute is upheld and subsequently overturned, the credit rerooting agency must notify the consumer. 
I have repeatedly asked this credit reporting agency to conduct a reasonable investigation concerning this matter. 
I finally conducted an investigation of my own a called the leasing office XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Phone number XXXX XXXX XXXX and spoke with a gentleman by the name of XXXX on Monday XX/XX/XXXX at XXXX XXXX. XXXX was unable to find any leas agreement with my name or social security number on it. 
A simple five minute phone call to the leasing office will be able to resolve this matter.

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