vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 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: TN

Complaint narrative:
Experian Credit Report states : " You Have 5 New Late Payments. Your report shows 5 new late payments in the last 60 days. If any look unfamiliar, it could be a bank mistake or a sign of fraud, and you can dispute it. '' 1. XXXX XXXX XXXX XXXX Past Due Amount : {$22000.00} 2. XXXX XXXX XXXX  Past Due Amount : {$5100.00} 3. XXXX XXXX XXXX  Past Due Amount : {$4200.00} 4. XXXX XXXX XXXX  Past Due Amount : {$3400.00} 5. XXXX XXXX XXXX  Past Due Amount : {$2700.00} None of these accounts is past due as there is no monthly payment due to the creditor. Each of the listed accounts is disputed as fraudulent, and the creditor wrote each of these accounts off and issued Form 1099. The creditor has abandoned their claim and is not attempting to collect or prosecute a claim hold. I have provided the creditors my address and contact information should they wish to contact me, to no avail. It is improper for Experian to place a false statement on my credit report, to wit : " You Have 5 New Late Payments. Your report shows 5 new late payments in the last 60 days, '' when that is not the factual case.

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 2020-12-16 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: PA

Complaint narrative:
my accounts still have not been removed as requested its been longer than 30 days. I requested for them to be removed and blocked and not dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: GA

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2020-12-16 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: TN

Complaint narrative:
I have disputed this account from my credit files many time transunion has yet to remove it this matter has been longer than 30 days now and needs to be remove asap

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 2020-12-16 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: GA

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2020-12-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I have a student loan with PenFed, my Member Number : XXXX. This lender website does not allow borrower to choose what to do with any overpayments. Any overpayments are apply to future monthly payments and thus treats student loans as a mortgage. Borrowers are not allowed through the website to make payments to the principals and thus reduce their debt or pay it before the payment schedule as permittable by law. 

The website asks you to call a number XXXX waiting time around 20 minutes. They then tell you that you are not allowed to pay the principal online because you might get confused. And they also inform you that any payments to the principal, which can only be made over the phone, has a {$5.00} fee. 

If people are constructively blocked from applying their extra monthly payment to their principal, they are prevented from prepaying their loans. In fact, that is worst than a prepayment fine. 

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 2020-12-16 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
The company continues to report fraudulent accounts to my credit report when I have never signed a contract with the company. They are refusing to send me verifiable proof of an original consumer contract with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
PHH Mortgage XXXX  have not furnished verification to my concerns about their jurisdiction over my complaint against XXXX XXXX XXXX , XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX. Asset-Backed Pass- Through Certificates Series 2005-WCH1 and Ocwen Loan Servicing . In addition, PHH Mortgage XXXX HAVE NOT addressed in detail explaining their jurisdiction over my foreclosed account with the Trust of my property:XXXX XXXX XXXX, XXXX , PA XXXX and my Qualified Written Request for information, including documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to XXXX XXXX XXXX , XXXX XXXX , as Trustee for XXXX XXXX XXXX XXXX Asset-Backed Pass- Through Certificates Series 2005-WCH1 and all notes that should have been properly indorsed each time they were transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that 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 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX I made contact with my cell XXXX to Bank of America and Rep stated to me on a phone recorded conversation that was recorded by BOA that my checking account ending in # XXXX was closed. 
I was totally shocked by BOA statement in closing my checking account that I had for almost two years. 
Also, I had a payment to California Franchise Tax  of {$50.00} and it was declined by BOA and now BOA has put me on default with State of California Franchise Tax Board. 
I explained details to California Franchise Tax, but it appears i will have a issue. 

So I made contact with US Senator XXXX XXXX on my issues and I am respectfully requesting a Federal Investigations against BOA. 
This is a Discrimination and Retaliation against me as a XXXX American XXXX XXXX XXXX, XXXX Lifetime, Retired and a XXXX XXXX XXXX Military Veteran. 
BOA violated my ADA Disability Civil Rights Act under Department of Justice. 
My filed complaints should be investigated by the ADA Department of Justice and the FBI. 

Also on XXXX XXXX with BOA recorded phone conversation with BOA Rep I was transferred to BOA of Texas and they have me listening to audios of procedures of BOA opening a new checking account. 
The new BOA checking account is # XXXX..Routing # XXXX with new Visa debit card been shipped to my home address in a week. 
My BOA Visa debit card ending # XXXX was eliminated by BOA.

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 2020-12-17 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: NJ

Complaint narrative:
on XX/XX/2020 I sent letters to XXXX, Experian and XXXX  stating the information that they are reporting is inaccurate and it needs to be removed according to the FRCA section 611 ( a ) ( 1 ) ( A ) and they have yet to remove the public information. on XX/XX/2020, I contacted the United States Bankruptcy XXXX and they have informed me that they did not violate the FEDERAL PRIVACY ACT of 1974-5 U.S. CODE section 552a. they did not disclose my information to an credit agencies. Also these bureaus are in violation of FRCA section 609 by not providing me with verifiable proof of any original signed contracts bearing my signature as required by federal law. which was sent to them on XX/XX/2020. they have also exceeded the time allotted by law to remove these items off my credit file

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 2020-12-17 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:
The company continues to report fraudulent accounts to my credit report when I have never signed a contract with the company. They are refusing to send me verifiable proof of an original consumer contract with my signature on 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 2020-12-17 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:
The company continues to report fraudulent accounts to my credit report when I have never signed a contract with the company. They are refusing to send me verifiable proof of an original consumer contract with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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:
The company continues to report fraudulent accounts to my credit report when I have never signed a contract with the company. They are refusing to send me verifiable proof of an original consumer contract with my signature on 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 2020-12-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Applied for dental coverage for live in boyfriend on XX/XX/2020. The premium was {$780.00} and was to begin coverage XX/XX/2020. No welcome packet nor plan identification was ever sent by email or mail. 

Emailed, called and opened incidents with XXXXXXXX XXXX support repeatedly. Customer service could not find his info nor I in the system and without a participant id they could not process a refund. Their support team closed the incidents I opened without reaching out to me. 

I reached out to my bank, Chase, to request they do a charge back for the XXXX at XXXX XXXX transaction. They said since it was an ACH transaction that they could not do a charge back and I would have to request a refund from the company directly. I asked for all transaction details and drafted a letter. 

I left a voicemail for and sent an email to their XXXX, XXXX XXXX, explaining and requesting a refund. She forwarded my request to their appeals department. XXXX XXXX called me and left a voicemail to let me know that she received my request and she left me her email address. I emailed her to get status and she responded via their secure messaging application ( deletes emails after number of days ) just to email back that she can not respond to me because of privacy laws due to the plan was purchased for someone else and she would be sending the enrollee a response via mail. 

That letter arrived and as I had predicted would happen, they informed my boyfriend that they can not refund me the premium because they suddenly found his plan info! They say their records showed he was given a plan id for coverage XX/XX/XXXX, and was sent a welcome packet. THIS IS COMPLETELY FALSE! He has not been able to utilize the coverage they claim to have provided because no plan info was ever sent and it took me numerous failed attempts to bring this to light and only until after finally reaching out to their CFO did they send an id card. The letter does not even offer to extend the policy for the time lost. 

Customers should be able to dispute any bank transaction in their account to recover funds from a company that refuses to take responsibility for failing to provide service during the subscriber period for which they received payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
My capital one credit card offer of {$0.00} APR for 15 months the offered I accepted when I applied has been changed or modified without any notice being sent to me. The APR now is XXXXXXXX XXXX. Capital one has altered the agreement and this needs to be fixed asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MA

Complaint narrative:
Mortgage transferred XX/XX/XXXX. Due to poor mail service, did not receive notice from new mortgage company ( XXXX XXXX ) until after credit union auto pay was sent to old mortgage company ( Dovermuehle ) on XXXX XXXX for {$2100.00}. XXXX. Funds were deducted from my checking account. Payment was never forwarded to new mortgage company. Called old mortgage company on XX/XX/XXXX. Old mortgage company took 30 minutes to find were the deposit went in their system because they lost it. On that call they told me the funds will be deposit back in my account XXXX XXXX. Funds never received in by checking account on XX/XX/XXXX. Called XXXX XXXX at XXXX XXXX ET. Telephone system repeatedly dropped the line while on hold. 90 minutes and 3 calls later, I finally connect to find out the note to transfer the funds was lost and that I should wait longer. I need to pay the new mortgage company and the old mortgage company is holding my money and has yet to return it and I am told that until XX/XX/XXXX, there is nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I have been recently informed that there is negative information reported by your company, Sears, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see and entry listing a balance of {$970.00} as of XX/XX/2020. 

I challenge the accuracy, compliance and report-ability of this listing. I have no knowledge of every doing any business with your company. Please validate this information and provide me with copies of any documentation associated with this account, BEARING MY SIGNATURE. I am keeping careful record of your actions, including your Method of Verification. I don't consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this complaint letter may result in a small claims action against your company, seeking {$1000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 2020-12-17 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: U.S. BANCORP
State: NV

Complaint narrative:
After XXXX XXXX XXXX lied about every aspect of their business, history, and proposed service, ghosted every attempt to contact them, refused to provide any service or correction to proposed service whatsoever, ghosted me every time I called, I filed a dispute against the initial deposit that was charged to my card to reserve their truck in SF the weekend we discussed for a move, a truck they neither owned or ever owned according to the XXXX XXXX XXXX. In fact, further DD on XXXX showed that they were a new business only recently registered before my initial contact, that a previous business name had nothing but XXXX, XXXX and upcharge complaints, that very little was legitimate about them. 

When I asked US bank ( XXXX ) whether I need to worry about the dispute or chargeback, they said not whatsoever. Knowing I needed to contract for another moving service and postpone my move for more than a month, I called XXXX again to confirm that I should and could do that, and they reconfirmed the efficacy of the dispute chargeback, at which time I extended my rent ( a little over $ 4k ) and contracted for relocubes from XXXX {$2800.00} and moving services at my place ( {$400.00} ). 

Last week, US bank sent me a letter to say they were reversing the dispute chargeback. They were vague about the reason why but included an estimate that XXXX had provided to them. It was created after the initial deposit had been made, which includes language and terms that were never agreed to, confirmed, or signed. In fact, even with the copy of invalid terms, XXXX has not performed a single task or service listed. Their service level and my dealings with them are detailed in another attachment letter. I truly feel they're a temporary entity created just to funnel customer acquisition to partner firms engaged in rogue moving scams. Every real ( they created XXXX fake reviews before the business was even registered as a business ) review on XXXX since has confirmed this. 

US Bank 's action not only makes little sense, their inconsistent messaging and reversal costs me an additional 5k+. The decision to walk away from XXXX and stay an additional XXXX XXXX months XXXX XXXX XXXX factored in original US Bank decision and the risk of being taken XXXX and XXXX, but I was happy with that decision ( paying the add'l rent and overlap ) to avoid a brush with a criminal organization. US bank 's decision to reverse the dispute not only costs me a deposit which I received nothing for except headaches and stress, it also cost me all my overlap costs because it was the primary factor for deciding to do it in the first place.

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 2020-12-17 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: GA

Complaint narrative:
I have sent out letters and contacted the bureaus several times in regards to incorrect information. I believe my information was affected from the Equifax data breach. this incorrect information on my credit report is devastating because I cant get anything. Please help correct this problem.

Company response to consumer: Closed with explanation