vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted XXXX XXXX and Experian numerous times via phone and written letters in regards to identity theft. This account has approximately XXXX charges that were unauthorized and used without my consent. I have sent a police report in regards to this matter as well as a identity theft report. This account is showing inaccurate information reporting on my credit deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws in the Metro 2 data field formatted reporting standards, therefore lawfully you must ERADICATE any and all adverse remarks. I have a notarized statement in regards to the identity theft that was sent XX/XX/2020 and additional information that included the police report and identity theft affidavit was sent certified XX/XX/2020. Experian has not presented method of verification and I s reporting inaccurate information on my credit report.

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 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, I have sent in multiple letters to Equifax to remove the information from my report. They have yet to remove the false information even after sending in multiple items proving it does not belong to me. At this point, they have not been cooperative with the situation. I need this removed immediately for it is a false claim. 

The following is the false information they are reporting : XXXX XXXX {$360.00} I have mailed off the communication with them on XXXX, XXXX and XXXX of 2020. 

Please help me resolve this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I came to Citizen Bank ( XXXX XXXX XXXX, XXXX, MA XXXX ) to open a Checking Account as I had received a promotion offer for. The promotion was for {$300.00} in exchange for a {$500.00} direct deposit within the first 60 days. On XX/XX/XXXX, my company deposited {$500.00} into my account, which should suffice. The clerk who helped me, XXXX XXXX ( XXXX ), reassured me that the {$300.00} will arrive around XX/XX/XXXX and that my Student Checking Account is eligible for this offer. I reached out to XXXX on XX/XX/XXXX and received no response. Currently, it is XX/XX/XXXX and I still have not received the money as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm having issues with the credit bureaus updating my current address and removing ones that are not mine especially because i've been a victim of identity theft and want to make sure my mail does not end up in the wrong hands again. It's been a total nightmare.

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 2020-09-03 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: OH

Complaint narrative:
I disputed the acct for XXXX XXXX ( acct # XXXX ) as it should be removed totally from my credit report, as it was a written agreement-as a paid for deletion account. Equifax did the investigation and on XX/XX/XXXX, XXXX They stated that they have deleted the acct ( XXXX XXXX ) from my credit report, which would have been the correct action. which I have enclosed. Then they do another investigation on XX/XX/XXXX, XXXX for the same acct- leaving it on my credit report, which is incorrect. I would like this matter to be resolved and the account ( XXXX XXXX ) deleted altogether from my credit report. Thank you in advance for your assistance regarding this urgent matter. 

I also submitted a letter from XXXX XXXX that the account should be deleted from my credit report as the account has been resolved. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALAMEDA MORTGAGE CORPORATION
State: NV

Complaint narrative:
I went through Alameda Mortgage Corporation to finance the purchase of my home. The original closing occurred in XX/XX/2019. Soon after closing, I was contacted by Alameda Mortgage Corporation that they needed to quickly refinance due to a glitch in their system in order to make it possible to sell the mortgage to a bigger bank. The refinance closed in XX/XX/2019 and my mortgage is now with XXXX XXXX. The original mortgage that closed in XX/XX/2019 was never released when the refinance closed in XX/XX/2019. I currently show two mortgages for the same parcel filed in the county I reside. I am currently in the process of negotiating a HELOC through another financial institution and in order to close, they need to have the release/reconveyance of the XX/XX/2019 mortgage from Alameda Mortgage Corporation. I have been contacting them on a daily basis for the past 3 weeks, the loan processor from the financial institution has also been trying to work with them on having this document filed. The law within the state I reside says that in the event of a refinance or when the grantee has satisfied the mortgage, the grantor is required to file a release of the lien within 21 days. This indicates that Alameda Mortgage Corporation should have filed the XX/XX/2019 release in XX/XX/2019. I was just notified today by Alameda Mortgage Corporation Chief Compliance Officer that the document will be finally be recorded today - 1 year and 2 months after it should have been, and I still have not received the actual document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: CA

Complaint narrative:
I'm having issues with the credit bureaus updating my current address and removing ones that are not mine especially because i've been a victim of identity theft and want to make sure my mail does not end up in the wrong hands again. It's been a total nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm having issues with the credit bureaus updating my current address and removing ones that are not mine especially because i've been a victim of identity theft and want to make sure my mail does not end up in the wrong hands again. It's been a total nightmare.

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 2020-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
A letter sent to : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. Amount Owed : {$630.00}, Dated XX/XX/2020, Creditor : XXXX, Client Account # XXXX, Letter Sent by : Convergent Outsourcing, Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX, Phone : XXXX www.payconvergent.com. I called Convergent on XX/XX/2020 at XXXX XXXX. ( MST ) to speak with them regarding this bill. 

I called Convergent and spoke with XXXX XXXX, debt collector and XXXX XXXX, XXXX. XXXX said they are calling from XXXX ( didn't get the street name ), XXXX, MI, XXXX XXXX XXXX XXXX. I told her I don't have a XXXX Account and didn't know why I received a bill from Convergent. They wanted my full name so I told them.They also wanted the last 4 digits of my Social Security # and I got scared and upset so I hung up the phone. She also asked me if I wanted to do any future business with XXXX. I was then totally confused because I'm not sure why she would ask me this question? I repeatedly told her I never had a XXXX account! SCAMMER! They are trying to get money for a service I never used.

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 2020-09-03 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony credit card through banana republic. I am current on all debt. Last summer my wife and i are heading home from XXXX XXXX CA and head through XXXX XXXX I have receipt ) and I get cell reception and pop up comes an email about something I ordered? I was confused and could not do much at the time but it freaks you out when you see something that clearly is not right. I could see a large purchase for an android or XXXX smart watch like {$200.00}. BTW I own an XXXX  and wife does. We get back to our home in XXXX XXXX CA and sure enough when I got on my computer I could see this order from Walmart. Ok I did not order this. I called Walmart at first and tried to figure out what was going on and after many failed calls I finally got through to someone and we talked but I remember we went around and around and finally they said well it looks like you used your credit card so maybe the credit card company needed to handle this. I then call them and explain. I wrote to them and explained. They did an investigation and said yes I had been hacked but since I had the product ( for what ever reason they ( hacker thief? ) sent it to my house? ) they want me to " cooperate '' and send it back. I said no problem send me a label and I will put it in a box and put it on my porch. I was told they can not do anything and continually told me to " cooperate '' I said no problem but I will not incur a cost for shipping. I am already agreeing to wasting my life packing this thing up and sending off I will not spend money over getting hacked. This went back and forth for months. I sent in-mail through the synchrony website and had phone calls. They expressed they did an investigation and found fraud but since I had the product they wanted me to cooperate by contacting Walmart and sending it back. Walmart wanted me to pay for shipping and would not understanding the situation. Here I am with a {$200.00} watch I did not order and it is completely useless to me. I am willing to cooperate but I will not pay for anything. I think it is more than reasonable and cooperative to offer to spend my time packaging and dropping off the package in the first place. Oh Ya so they refunded the money at first then charged me for it after the disputed yes it was fraud but no they want their money. Bottom line I did not order it ( I was told it clearly was fraud, and I am still being charged. Synchrony was less than helpful and very hard to get communication from.

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 2020-09-03 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: MD

Complaint narrative:
Alleged debt paid to XXXX XXXX XXXX with postal money order and mailed by XXXX   with proof of payment and mailing on XX/XX/XXXX. This debt is reported by XXXX  # XXXX ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX OHIO XXXX AS OWING SINCE XX/XX/XXXX. The claim for returned check is false since there was no returned check and XXXX XXXX XXXX attempted to withdraw funds from my checking account when I had cancelled my membership with them within 3 days of joining the club. 
I have tried numerous times to call XXXX using the number that TransUnion Credit Services provided with no success. I called and complained to TransUnion with no success. I finally wrote to XXXX on XX/XX/XXXX with proof of payment since XXXX and they have not responded to me by phone or by mail. TransUnion continues to report this false information as ADVERSE ACCOUNTS ON MY CREDIT REPORT.

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 2020-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: ME

Complaint narrative:
What is this complaint about? 

A {$4000.00} discrepancy. 

What type of problem are you having? 

I have spoken to customer support in regards to this complaint. They have confirmed that the loan is not accurate, but are unable to physically fix it from where they sit. They advised me to file a complaint though here ( Consumer Financial Protection Bureau ) to get it properly addressed with their internal mortgage resolution department. 

What happened? 

- We received an email from XXXX XXXX on XX/XX/2020 - The email advised us that we were able to have a complementary loan analysis - XXXX was amazing through the whole process - He confirmed that there was really no downfall to refinancing because the rates were at the lowest point in US history - We discussed all of the details and he advised us to keep AutoPay for XXXX - XXXX did suggest that we remove AutoPay for XXXX due to the closing being potentially scheduled towards the beginning of it - This way, we paid {$1200.00} to XXXX, XXXX for the closing costs to act as the XXXX mortgage payment - He advised us that we would not have a payment in XXXX - The first payment we expect is on XX/XX/2020 - The concern here is that we accidentally forgot to remove AutoPay - We emailed XXXX ( our loan processor ) on XX/XX/2020 advising her that we made this mistake and wondered what was going to happen - She called XXXX the following day that she was in the office. She advised him that they had already gotten a quote for the payoff on the loan. She told him that the payment we made with AutoPay wouldnt have anywhere to go - so we would get a refund for that payment - I recently reached out to Lakeview to discuss the loan - They advised me that I would not be getting a refund for the full payment because they called in to get a new payoff amount after the XXXX payment was made. 
- During this process I spoke with another Loan Care specialist, XXXX, who stated that the total amount paid off was {$230000.00} ; including them taking {$1700.00} from the escrow to make that payment. 
- XXXX advised and confirmed that the new loan was created for {$240000.00}, which was much higher then the payoff amount. 
- I think that maybe there was some miscommunication with the total amount on the loan from when we were initially quoted back in XXXX. However, that shouldnt have been missed because some people cant afford mistakes like this to happen .... 

RESOLUTION SUGGESTION : Since the loan was created for a larger amount then what was actually paid off, we would like to receive a refund of the {$4000.00} difference. 


What company is this complaint about? 
XXXXLakeview Loan Servicing Who are the people involved? 
XXXX XXXX ( XXXX, Mortgage Loan Originator, Lakeview Loan Servicing , LLC ) XXXX XXXX ( XXXX, Loan Processor, XXXX 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 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
Never been late for payment. For XX/XX/2020 my minimum payment is {$700.00}. I called American Express Twice asking for an explanation ( XX/XX/2020 ) They did not give me an answer. The best answer was that the minimum balance is 2 %. My balance is {$2000.00}. My card is a no preset spending limit. And I learned that they put the account in a limit of {$2000.00}, I did not get that information in advance. My intention is to pay the {$700.00}, but I have XXXX XXXX, can not walk etc. This kind of charge create stress to the .people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian and XXXX are fraudulent on my account : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  IS FRAUDULENT ON MY CREDIT ACCOUNT # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-09-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Its now over 60 days and no sign of investigation on XXXX XXXX Accounts are unknown and not reporting correctly, no information given as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I don't owe the amount that is reported as {$8700.00} charged off. I requested documents to substantiate the amount that Santander is claiming they are owed and I never received any written response with the itemization. 

RE : Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 7 Balance {$8700.00} Date Opened XX/XX/XXXX Amount Past Due {$8700.00} Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount Months Reviewed 80 Delinquency First Reported XX/XX/XXXX Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$15.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
53 bank closed my account while {$100.00} Fraud and {$10.00}. OVERDRAFT fees was pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have contacted Nordstrom/TD Bank and XXXX numerous times via phone and written letters in regards to identity theft. This account has approximately XXXX charges that were unauthorized and used without my consent. I have sent a police report in regards to this matter as well as a identity theft report. This account is showing inaccurate information reporting on my credit deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws in the Metro 2 data field formatted reporting standards, therefore lawfully you must ERADICATE any and all adverse remarks. I have a notarized statement in regards to the identity theft that was sent XX/XX/2020 and additional information that included the police report and identity theft affidavit was sent certified XX/XX/2020. XXXX  has not presented method of verification and I s reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  and Tranunion are fraudulent on my account : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX IS FRAUDULENT ON MY CREDIT ACCOUNT # XXXX XXXX XXXX XXXX   XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST
State: NV

Complaint narrative:
XXXX DOES IT TAKE OT CLOSE AN ACCOUNT WITH XXXX BLANCE? I CALLED AND MESSAGED ON XXXX XXXX TO CLOSE AND STILL OPEN.

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 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
Debt recovery solutions refuses to code my debt on my credit report as medical. This is changing the way it effect my credit. I have spoke to them several times and filed a dispute on my credit. No corrective action was taken. I would like to pay the debt. However, I ask that it be properly coded, as medical debt is required to be removed from credit once paid.

Company response to consumer: Closed with explanation