vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-28 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: TX

Complaint narrative:
I reviewed a copy of my currrent credit report and show inaccurate information with creditor name XXXX XXXX account number XXXX. This account has been satifed and paid as agree with no balance which is to be reported as {$0.00}. I have contacted XXXX XXXX you advise that this account is closed and paid as agree with no late payments. This account is still shown as open with a balance which is incorrect. I have sent mulitple dispute with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
I have been attempted to contact Persolve Legal Group attorney who filed a lawsuit against. The collectors on the line refuse to allow me to speak with their legal team and instead state they are the legal team. I have been trying to resolve this matter for months but have received nothing but belittling and threatening phone calls from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
The credit card concern is with a deferred-interest card, Care Credit. As you will see on the attached spreadsheet, payments were made to satisfy each of the expiring charges. I'm told that, because a charge made in XXXX which promo period expired on XX/XX/21, and a coinciding payment of {$3000.00} was made, that the company applied the {$3000.00} to a previous charge which promo period didn't expire until XX/XX/21. 

As you will see on their receipt, they apply payments to the earliest expiring charges. They didn't do this and, consequently, charged me {$260.00} in interest charges. They asked if I'd called in to advise them how to apply the {$3000.00}. How would I know to do this when their own documentation states they'll apply payments to the earliest expiring charges? They refuse to acknowledge that timing of charges and payments may have caused in an inappropriate application of monies received. I also don't completely understand why one charge expired XX/XX/21 and the subsequent charge expired earlier than that. But that's neither here nor there. Please advise as repeated efforts, by phone and via email, have yielded nothing but obstinance that they could do no wrong.

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 2021-05-28 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: CA

Complaint narrative:
Since XX/XX/2021 I paid my XXXX XXXX XXXX payment card in full. The balance was {$3700.00}. Both XXXX and XXXX show the account closed by consumer, and paid in full which is correct. 

TransUnion however, still shows {$3700.00} - I have contacted XXXX XXXX AND TransUnion to have the account information brought current. I asked XXXX Bank today to send a record update over to TransUnion, whereby the customer service representative stated it will take 30 days to have this processed. He was very courteous but I explained I can't wait 30 more days.

I have already waited 40 days, to add another 30 days, makes it 70 days or almost three months, which is a quarter of a year. 

The issue is, I am refinancing my property, this balance of {$3700.00} / {$7200.00} credit line can be considered high utilization, and a negative factor in my FICO score calculation. Even if it is a closed account, the credit reporting agencies add the credit line to my total credit lines available and use it to calculate the debt ratio of all balances of all accounts.

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 2021-05-28 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: NC

Complaint narrative:
Hello my name is XXXX XXXX, I have been trying to build my credit but due to identity theft I have these accounts on my report, that are causing a big affect for me to get approved for things so today, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
If any questions or concerns you can contact me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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:
I have incorrect information in terms of my employer who I never worked for on my XXXX, XXXX  and Experian. I want this false information removed from my Credit Report and exchanged with my current employer XXXX XXXX XXXX XXXX in XXXX located at XXXX XXXX XXXX. XXXX XXXX, XXXX TX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals 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 2021-05-28 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:
I have employer on my credit report I never worked for and wanted it removed and changed with my current employer XXXX XXXX XXXX XXXX. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals 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 2021-05-28 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: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
Ive received a email from XXXX  stating a new inquiry was made from vervent/XXXX on XX/XX/XXXX. I DID NOT apply for credit. After seeing this inquiry, ive noticed this same company inquiry on XX/XX/XXXX. This is fraud activity. I do not have accounts with this company. Ive never applied for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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:
I have incorrect information in terms of my employer who I never worked for on my Equifax, XXXX and XXXX. I want this false information removed from my Credit Report and exchanged with my current employer XXXX XXXX XXXX XXXX in XXXX located at XXXX XXXX XXXX. XXXX  XXXX, XXXX TX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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:
I have incorrect information in terms of my employer who I never worked for on my XXXX, XXXX  and Experian. I want this false information removed from my Credit Report and exchanged with my current employer XXXX XXXX XXXX XXXX in XXXX located at XXXX XXXX XXXX. XXXX  XXXX, XXXX TX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals 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 non-monetary relief
Consumer complaint received 2021-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
Hello, I opened an HSBC Premier checking account on XX/XX/XXXX through the following link : https : //www.us.hsbc.com/checking-accounts/campaigns/premier-checking/ I met the terms of the offer by having deposits greater than {$5000.00} each of the three months after my opening month, i.e. XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX and XXXX ( XX/XX/XXXX ). 

The offer states that the {$450.00} XXXXme Deposit Offer will be paid approximately 8 weeks after completing all qualifying activities.

When I had not received the promotional credit by midXXXX, I reached out to HSBC and inquired. They advised, " the account did not meet the requirement for the promotional bonus as the account was not opened in the offer page which is required to be eligible for the bonus. '' They are contending that I did not open my account through the above link. First, I insist that I did. I navigated to their site directly through that link and never went to any other page to open my account. If their system is broken and they can not tell what link I used, it is not fair to deny me the bonus I signed up for. 

Supporting documents are attached. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
My conventional second home mortgage was processed through Better Mortgage. After a tedious process where they asked for several private financial documents which were completely unrelated to the loan in question. After the mortgage loan was processed and signed, I received a letter that the loan was sold to another servicer XXXX XXXX XXXX  and I was instructed to make future payments to the XXXX. A month later, I received another letter stating that the Loan has been sold again to another servicer XXXX  and future payments would go to this servicer. In the midst of this, I received a letter warning of the cancellation of the home insurance which is under escrow payments through the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: OK

Complaint narrative:
On XXXX {$200.00} & on XXXX {$200.00} & XXXX {$200.00} were taken from my ssi direct express card at XXXX XXXX on XXXX in XXXX, ok.at atm. On XXXX {$120.00} was also taken off card at atm at XXXX XXXX XXXX. I had my card stolen out wallet in backpack with lil notebook with pin # s & passwords. I filed a police report & dispute claim & they said it was denied & won't refund my money that was stolen

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2020 i filed a claim with wells fargo because i was a victim of fraud, I put some money aside for gold and cryptocurrency purchases but the broker turned out to be fraudulent and i never received received any of the investments i purchased. 

Wells fargo handled the matter and stated that they will conduct an investigation. They provided me with two provisional credits in my account of XXXX and XXXX until they are done investigating.I cooperate with them and provided them with the evidence and communications between me and the merchant. 

Sometime in early XXXX they sent me a letter stating that they are still investigating and that they will take back a portion of the provisional credit. Later that month ( XX/XX/2020 ) They took the remaining of the provisional credit, accusing me of fraud and draining my bank account of any funds and leaving it in a negative balance of XXXX USD. They never provided any evidence of their " findings '' and refused to further speak to me regarding this matter. Claims department stated that this case was escalated to another department.

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 2021-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On or around XX/XX/XXXX I received an email XXXX dba Resurgent Capital Services and Pinnacle XXXX  Services LLC stating I owed a debt from XXXX for XXXX XXXX. I sent an email stating to validate the debt noting that the debt was over 15 years old. I never heard else until XX/XX/XXXX. 

I received a letter in the mail from another debt company XX/XX/XXXX called XXXX XXXX XXXX, requesting triple the amount of the original debt, in addition XX/XX/XXXX the same letter from XXXX dba Resurgent Capital Services and Pinnacle XXXX Services LLC validating the debt.

This debt is not mine as I have informed them and it is very unethical for two to be collecting on the same debt for two different amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Reaching out requesting assistance as other means have failed. 
Currently a deployed XXXX XXXX XXXX officer. In XX/XX/XXXX, I refinanced my home in XXXX, va with Mr. Cooper Mortgage company ; loan # XXXX. Each month I utilize my banks auto pay for recurring bills and it has worked flawlessly. Beginning a year later, XX/XX/XXXX, Mr. Cooper began sending me a check in the amount of my mortgage and then later sending me a notice of late payment. Each month I speak with a company rep to clear up the matter to only have it recur a month later. Reps had told me to tear up the checks and they will have funds applied to my account. The was told to cash the checks to repay utilizing their website. After 5 months of this and escalating within the organizations it continues to happen and now received a notice that I ow 3 months mortgage payments. I reported to the XXXX XXXX XXXX  and this did not solve the issue. Now I received a letter stating I have requested 'relief under the Service Members Civil Relief Act ( SCRA ) ', which I HAVE NOT Late fees are being charged despite records of my on time payment and confirmed by my bank, of payment. I have received certified letters notifying me of default on loan. 
My role within the XXXX requires a security clearance and can become compromised due to financial problems. 
Summary, I have paid each mortgage payment on time with proof and each time Mr. Cooper fails to apply my payment to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I tempted to open a new account with chase bank and as I inserted my information I was directed to the site to sign in because due to their system I already had a account with two different account usernames.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MidAmerica Mortgage Inc
State: OH

Complaint narrative:
On XXXX, Mid America my mortgage servicer levied new debt to my mortgage balance. The servicer increased my mortgage debt to {$100000.00} an increase of {$6700.00}. My statement balance for XXXX is attached - {$96000.00} Mid America never contacted me regarding the new debt.

Mid America reported the new debt to the national credit reporting agencies and pursued collection. 

The actions of my mortgage servicer caused serious financial injury and undue hardship for me and my family. The new debt precluded me from accessing the interest terms that I was entitled to. Since Mid America made no effort to contact me, the debt popped up in the middle of refinancing our family home.

Mid America violated the Fair Debt Collections Practices Act previously on XXXX. I tried at that time to resolve their reporting errors directly with the servicer, also to no avail. However, Mid America did respond to the CFPB on XXXX after they received notice of my complaint XXXX # XXXX XXXX. Their response explained their corrections and confirmed adjustments submitted to the credit reporting agencies. That was my initial request. 

This complaint is for changing the legal status of my mortgage debt on XXXX, failing to contact me, and pursuing the collection of a false debt. This debt prevented me from closing on my new mortgage refinance with a new bank with more favorable terms. I had to accept the interest terms with the false debt attached to my credit file as valid and due, or lose all my fees and miss my closing date in the middle of my new refinance. 
Mid America damaged my creditworthiness, again, to potential lenders when refinancing my home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My card was replace due to fraud activity, Claim was filed on XX/XX/2021 and a police report was also field with XXXX XXXX station, Bank of American took 24 days with a hardship filed for funds. Funds was as placed on card XX/XX/2021 and was told to go inside a Bank American for Identification verification. XXXX branch I went to for verification. was taken by phone with a fraud rep and myself and Bank of American rep. I was told my account has been verified and cleared. Ready for withdrawal. I stood in line waiting ion rep. My transaction was declined for {$440.00} the teller informed me. I tried calling back spoke with very rude individual by the name of XXXX at roughly XXXX XXXX in the fraud department. She stated their was a code on account she would email a unknown department for request to remove code.it could take up to 24 hours. Asked to speak with supervisor. XXXX stated no team lead or supervisors will take the call. I called back and spoke with a supervisor and she inurn got fraud department on line for the fifth time. Fraud department now stated their has been a data branch.

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 2021-05-28 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: Conn's, Inc.
State: TX

Complaint narrative:
This is a formal complaint against Conn 's XXXX XXXX located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conn 's XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation