vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Happy Money, Inc.
State: CA

Complaint narrative:
My complaint is that Payoff Inc by Happy Loans should not have closed my online access for my personal loan. 

On XXXX  my bank cleared {$3900.00} as the payoff amount. The following days I could not access my account to confirm if my balance updated to XXXX. 

I reached out to customer service for assistance and they advised that my online account access was closed and it takes up to 48hrs to process any Final Statement. 

I am very frustrated because I am trying to close a home loan and all I needed was an online activity showing my balance of XXXX. The practice of disabling the online account has disrupted how soon I could close my loan and risk of not meeting my escrow timeline. 

As of today, I still have not received a Final Statement or received any indication that my balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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:
I submitted my letters to the credit bureaus to investigate charged off accounts that are not my accounts as well as another persons information listed as mine. I have submitted and asked for deletion of that information and have not received a response nor deletions in the timeframe allotted.

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 2021-06-10 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: FL

Complaint narrative:
On XX/XX/2020, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank offered me XXXX XXXX XXXX bonus miles for opening a savings account. 
I followed all of the requirements exactly in regards to content and timing. 
Minimum of {$10000.00} new to Citibank money held on deposit for minimum of 60 days and that would qualify for XXXX bonus miles. 
We fully understood that the disclosure stated the bonus would be paid 90 days after the account was opened. Well, We have met all the exact requirements and Citibank still has not delivered on their promise for the payment of 20,000 XXXX XXXX bonus miles. The time frame has passed. I believe this to be a systemic UDAAP issue where Citibank deceptively tries to gather deposits with the " promise '' of paying bonus in cash or flying miles only to not deliver according to their disclosure. We looked at all the complaints on line and it is absolutely amazing the amount of people have the exact same scenario!!!! This seems to be a recurring practice by citi not just a one off and I would hope that you as regulators and more importantly protector of the consumer will step in and make them 1 ) give me what is owed and PROMISED to me in their disclosure and promo and also penalize them and make them pay for this horrible practice. I am one of thousands!!!! Please contact them to have them deposit the bonus miles to my frequent flier account. This may seem trivial to some but it is a clear fact that I would NOT have deposited money with this bank had I not been offered the bonus miles. Citibank benefitted by offering a lower interest rate in exchange for the promise of the bonus miles. so they profit and the consumer ( me ) has to literally fight to get what I was told by them in a disclosure. I contacted them several several times by chat and they kept telling me do not worry the miles will be paid by the 150th day well they were NOT. Then they actually gave me a hard time for asking about it and acted as if it was no big deal. They have all the info all the contact and verified that I met all the criteria and timing!!! Please step in! 
Thanks!!!

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 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I XXXX XXXX never enter any consumer credit transaction with RC/RESURGENT RECEIVABL for them to have obtain my personal information. Pursuant 15 usc 1692 ( a ) this is infringement upon my consumer 's right to privacy. By RC/RESURGENT RECEIVABL obtaining my personal information without my consent they have committed fraud and identity thief. RC/RESURGENT RECEIVABL furnishing this allege debt to my consumer report they have damage my reputation pursuant to 15 usc 1692d ( 1 ). Now i can not do business with anybody else due to RC/RESURGENT RECEIVABL reporting this allege debt to my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK

Complaint narrative:
Unauthorized Funds Transfer into my account of {$1000.00} Unauthorized XXXX transfer out of {$1000.00} Unauthorized Funds Transfer into my account {$300.00} Unauthorized XXXX Transfer out of {$1000.00} Unauthorized Funds Transfer Return {$1000.00} Unauthorized Returned Item Fee : {$5.00} Unauthorized Funds Transfer Return {$300.00} Unauthorized Returned Item Fee : {$5.00} Account was hacked, address and phone number changed. Funds stolen via XXXX. USAA wants to keep MY funds saying I am liable even though i had nothing to do with this and have been a customer of USAA for 13 Years as a XXXX Veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I sent a certified debt validation letter on XX/XX/2021 and have not received any information back. I would like this removed / deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: IA

Complaint narrative:
On my birthday XX/XX/XXXX I received the first phone call from IQ Data International located in XXXX, XXXX where I had lived until XX/XX/XXXX. I was informed they were collecting a debt for about {$190.00} for XXXX XXXX XXXX where I had lived until last XXXX. They told me this company had sent me a letter advising me of the charges around XX/XX/XXXX but I never received any such letter at the forwarding address I had given with my notice to vacate. Plus, I dispute the charges. The charges are for {$88.00} in back rent and {$100.00} for cleaning. I was given what I owed when I gave my 30-day notice to vacate and that is what I paid and I moved out on time and returned all keys. I cleaned my apartment and the manager refused to do a walk through inspection even though I made myself available on two days. This collection agency states it said in my lease I would still be charged for cleaning which the complex does before reletting the apartment. I told them my lease only stated cleaning charges would be charged only if I had not cleaned my apartment. Any professional cleaning they decide to do later is on them. In addition, IQ Data International never sent me any written notification of this debt. They kept calling and threatened to ruin my credit. I asked for written notification of this debt over ten days ago and still have not received it. When I requested written notice of this debt they had to update my address in their system as provided to them from XXXX XXXX. XXXX had given their mailing address as my address to IQ Data! So, in essence they never sent me any writing about those charges. I contacted the property management XXXX XXXX in XXXX, XXXX and spoke with a XXXX about 3 times. The first two times she said she would provide my dispute to the regional manager there in her office and I would be called back. I never got a call. On my third call to XXXX she told me the regional manager had not provided a response and the charges still showed on my account. This all happened over a week 's time. I sent an email to the manager, a XXXX XXXX, at XXXX that showed I had filed a complaint with the Oklahoma Attorney General. She gave the usual excuse for not doing anything and that is that management there has changed since I vacated my apartment and that I could easily dispute the charges with the debt collector. Well, no. One can not easily dispute charges with IQ Data International. I did send a copy of my notice to vacate to the email address IQ Data gave me to dispute the charges. That was on XX/XX/XXXX. I have not received any reply on that either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
In XXXX of XXXX I switched auto insurance companies. XXXX  sent me a letter in the mail stating that I owed a partial balance but I did not receive it because I moved. In XXXX of XXXX they sold the supposed debt to " Credit Collections Services '' of XXXX. XXXX XXXX XXXX Ma XXXX. On XX/XX/XXXX Credit Collections Services started reporting this debit to XXXX  and XXXX but by XX/XX/XXXX the debt had already been paid to XXXX. When I disputed it with XXXX on XX/XX/XXXX XXXXredit Collections Services submitted false documentation to XXXX stating the debt was still unpaid. Despite me submitting documentation to XXXX and XXXX proving there is no debt owed, the false documentation submitted by Credit Collections Services caused my score to drop almost 80 points and they are still reporting this false information as of XX/XX/XXXX. I want this IMMEDIATELY REMOVED FROM MY REPORTS AND I WANT THIS COMPANY INVESTIGATED FOR THEIR FRAUDULENT PRACTICES!!! They have caused me physical and emotional harm, as well as major harm to my credit score and report, which I work very hard to maintain and keep positive. 

I have submitted documentation showing that on XX/XX/XXXX my debt of {$270.00} was paid to XXXX and according to them I do not owe anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I sent a certified debt validation letter on XX/XX/2021 and have not received any information back. I would like this removed / deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am trying to get my PMI off of my mortgage payments. I have gone through the very SLOW process that SunTrust makes us go through and have not got any response. 
The PMI department is only communicated through a messaging system on their website and is extremely slow. 
I had an appriasal completed by one of SunTrust providers over 2 months ago and I haven't got any sort of update and or resolution. 
I already know my percentage to get my PMI off is well above the requested percent they want as I had a private appraisal completed. 

SunTrust is stalling so I have to keep on making my PMI payments as long as they will allow this to continue. I can't get any answers on what the next step in the process is from SunTrust so I am reaching out to you for help.

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 2021-06-10 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: FL

Complaint narrative:
This account is not mine. I keep writing messages that I want this item to be removed however I am absolutely ignored. This item is not mine and it has never been related to my accounts at all. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ERC
State: PA

Complaint narrative:
Sometime around the week of XXXX XXXX I received a phone call from this company called ERC demanding I make a payment before a certain date or my credit would be damage. I never recant letter stating any debt owed on my behalf. In XX/XX/2021 I learned that the company reported the debt I allegedly owe to the credit bureau. This company threatened me over the phone and never sent me any letters and now is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: TN

Complaint narrative:
I let TransUnion know that inquires were made in my name without my knowledge. I have been a victim of identity theft and have attached the document that they keep requesting over and over but saying that they are not getting it.

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 2021-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
We began working with XXXX XXXXXXXX XXXX XXXX getting our FHA loan started in XX/XX/2021. 
On XX/XX/2021 the underwriting process began and we submitted all of our documents that New Rez, LLC and XXXX XXXX XXXX XXXX requested. 

On XX/XX/2021 we communicated via email to XXXX  inquiring when the appraisal would take place because our banking information had already been taken. 
On XX/XX/XXXX we were told the appraisal had been ordered through XXXX XXXX  by XXXX. 

On XX/XX/2021 the XXXX XXXX transaction was processed from our account. 

We were scheduled to close on XX/XX/2021 per the sellers request. 

Since all necessary requests from New Rez, LLC had been submitted there was no doubt in our mind that we would be off schedule. 

On XX/XX/2021 we received email correspondence from XXXX XXXX that the appraisal had been scheduled and provided the appraisers information. 

Since this time we found out that the original request on XX/XX/XXXX had actually been CANCELED after I personally called to see why there was a delay. 

The appraiser told us the earliest he could schedule it was XX/XX/2021. 4 days AFTER we were scheduled to close. 
Since we were in a rental home and we had fully prepared to move on the XXXX now we were officially to vacate the home by the XXXX. 

Our entire household belongings have currently been sitting in a XXXX Truck since XX/XX/XXXX that we are STILL paying for because as of right now, XX/XX/2021, we still have not closed on this home. 

We have had so many delays with New Rez LLC, XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX attention details. Each minute is costing us money in interest, XXXX  fees, and emotional distress from not having our home. We have been fortunate to have family close by let us stay because paying for a hotel would not be possible. 

We will NEVER use these companies again for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA

Complaint narrative:
I had a {$5000.00} line of Credit with HSBC MasterCard for the last two years. I did a Balance transfer and began paying the card off. 
XXXX XX/XX/2021 I paid {$5000.00} which paid off the card. 
XXXX XX/XX/2021 received an email from HSBC congratulating me on paying of my balance transfer and will help my FICO score and getting on the road to financial success. 
* XX/XX/2021 Received my statement and a {$4.00} remaining interest charge was on it with the credit line still {$5000.00} and credit available was {$4900.00}. 
XXXX XX/XX/2021 Autopay paid the {$4.00} statement balance. 
XXXX XX/XX/2021 checked on line to make sure payment was posted and noticed my credit line changed to {$500.00} ( a reduction of {$4500.00} ) with {$470.00} credit available. I immediately Contacted Customer service and after three transfers 5 differed hold times and a total of 56 minute phone call and no reason could be found as to why my credit line was decreased. It was noted that a hard copy notification letter was sent but unable to locate the letter or verify it was actually sent as no date of mail was documented. The CSR was confused as to why this was as well. Then he put me on hold one more time which disconnected me. 
XXXX XX/XX/2021 Received my statement with a {$29.00} balance for a charge, but credit line changed to {$500.00} ( a reduction of {$4500.00} ) with {$470.00} credit available. 

This is the 4th financial agency that has done this to me after paying of my cards. I had payed my payment 100 % on time and my income has stayed the same. 

These actions affect the most crucial part of my credit score and report as the percent of credit used to line of credit ratio is the number one affect on a persons credit score. 

The move by HSBC dropped my credit score by 3 points and put me well below the 720 which is what is needed to get the best Home Mortgage Interest Rate. 

It does not encourage anyone to payoff the credit cards if it is only going to lower your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I PAID {$1400.00} TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX BANKING WITH XXXX XXXX XXXX, XXXX. BUT THE FUNDS NEVER ARRIVED AT XXXX XXXX. XXXX XXXX XXXX. USES JP MORGAN CHASE AS THE CORRESPONDENT BANK FOR INTERNATIONAL AFFAIRS. OUR BANK IS XXXX XXXX XXXX CONFIRMED THAT THE FUNDS WERE SENT TO JP MORGAN CHASE. TO CONFIRM THAT THIS TRANSACTION HAD BEEN DONE WE REFER TO SWIFT REFERENCE PET XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NJ

Complaint narrative:
I sent a certified debt validation letter on XX/XX/2021 and have not received any information back. I would like this removed / deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: WY

Complaint narrative:
Sent FTC letters ( Around XX/XX/XXXX ) with notice to furnish proof of the debt as well as to cease collection of the debt and to delete any derogatory marks on credit reports as per identity theft guidelines under the FCRA. The company has failed to remove the derogatory marks from the credit reports as well as failed to cease collection. Upon calling them this past week they claimed to have validated the debt and sent multiple letters. I have had no issues receiving letters from them before, however, the debt validation letters and any info as to what they are doing regarding the fraud were not received. 

Phone representative was aggressive and dismissive, claiming the postal service failed to deliver the letters and gave no intention of resending the letters. My FTC ID theft complaint letters were received on XX/XX/XXXX by Convergent Outsourcing and they only a few business days later reported the collections to all the credit bureaus. It appears no action was taken to respond to the ID theft claim, no investigation, no attempt to right the situation, and a complete disregard for FCRA regulation that collections be ceased and that reporting also be ceased to the credit bureaus.

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 2021-06-10 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:
I mailed all three credit bureaus XX/XX/2021, to verify there reporting on my credit report and they failed to do so. They had 30 days to reply are delete the reports by law. They are in Violated of 15 usc 1681b.

Company response to consumer: Closed with explanation