vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : 1 XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
ive contacted each company and each time i'm given a different amount owed. ive even told jeffcap systems that they have me as well as another company and its impossible for thhe same item. I've never done business with any of these companies i want them to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 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: IN

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: NC

Complaint narrative:
I found an inquiry on my current credit report that I did not authorize and have no knowledge of submitting. 

Creditor Name : XXXX Type of Business : Not Listed Date of inquiry : XX/XX/2021 Credit Bureau : Equifax Address : Not Listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/21 at around XXXX XXXX  I went to Bank of America ATM machine to pay my credit card bill. After I scanned my card the money window opened. I inserted two  XXXX XXXX dollar bills. The machine took my bills and right after that the machined died. It did not print any document as a proof of accepting the money. I then went inside the lobby to complain. The manager listened to my complaint and said Oh dont worry it will be credited tomorrow. 
It has been over 45 days now that my money is not credited. During this time I called the bank several times. Each person says different time. They say it will take a week, or sometimes a month or two or even three. They are just making may go around. I am a retired man and every dollar means so much to me. I need someone to help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: AK

Complaint narrative:
This company is threatening me to treat me as a nuisance. 

I tried communication and they are just ignoring everything that I am requesting. 

it is REASONABLE to request exactly WHAT I am being charged for. 

Look - you put money collections WITHOUT letting me know that I had balance due. 

And when I request exactly what the charges are- YOU REFUSE to tell me. 

How does this make sense? 

I request records showing and proving exactly what I did to incur damage and prove that I am responsible. The burden of proof is on YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have two credit cards with Capitol One that have been open since XXXX. In XXXX I was in graduate school and going through a rough time financially. From XXXX to XXXX of that year I was unable to make payment and thus resulted in lates being reported to the credit bureaus. I resolved to issue as soon as I could and made arrangements to get back current. Since then I haven't missed any payments. I am in a much better place financially. I graduated school and took a salaried position. This will no longer be an issue and I have contacted both Capitol One and XXXX to explain this and ask if the lates could be removed on good will. Capital One tells me it is out of their control and I need to contact the credit bureaus. XXXX tells me there is nothing they can do. I have heard of it being done before and just need instructions on how to proceed. This is holding down my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I reported a fraudulent credit card purchase on my PNC credit card for two transactions onXX/XX/XXXX. One was for {$31.00} and the other one was an international charge for {$0.00}. As a result, PNC closed my credit card and reimbursed me for these two charges. When PNC issued me a new credit card, they transferred the remaining balance on my old card to my current credit card. The amount of the remaining balance that was transferred was {$360.00}. This transfer occurred on XXXX. 

PNC charged me a late fee of {$27.00} plus interest of {$13.00} both on XXXX. Both of these charges were in regards to my old credit card that I reported fraud on. PNC claims that the payment on my old card was still due on it's original due date and that is why I received these late payment charges. When PNC transferred my remaining balance to my new card, it automatically closed out my old card and thus gave it a {$0.00} balance. 

Even though I had automatic payments set up on BOTH my old and new credit card, no payment was automatically deducted. Also, NO NOTICE was given to me ( neither via email or regular mail ) that a partial payment on my old credit card would still be due on its old due date despite the fact that the old credit card was closed and had a {$0.00} balance. 

Also, when I received my new statement for the current credit card, there was NO MENTION of separate due dates for my balance from my old credit card. 

Since no notice was given to me via mail or email, this should be a violation of Regulation Z concerning credit cards and disclosure acts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
these accounts that appear on my credit report do not belong to me, please check them. 
they are hurting me 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 
3. Identity Theft 01 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
In XXXX of XXXX I began preparations to move from XXXX to XXXX New York. I called myfedloan to get clarification about qualifying employment as I began my job search. Specifically, I wanted to know about the hours requirement for working for a qualifying employer, as I was seeing part-time and per diem options. I was confused by the language on the myfedloan website that used vague words such as " generally '' when explaining the hours requirement for qualifying employment and hours. During this particular phone call in XXXX of XXXX, the representative I spoke to from myfedloan assured me that as long as I worked at least 30 hours a week at a qualifying employer, it would count towards my loan forgiveness. I then accepted a job at 32 hours. 

This representative obviously misspoke, as I have since learned you can only work 30 hours for qualifying employer if that is the sum of TWO separate part-time jobs, but that if you are only working 1 job at a qualifying employer it has to be at least 32 hours, OR whatever the employer considers full-time. This was NOT explained in that phone call where I asked for help understanding this policy. 

As such, my recent application was denied because according to my employer, 35 hours was considered full-time. Something I was not aware of until they completed the PSFL form, since in my offer letter it did not indicate I was part-time, I was 32 hour exempt employee.

This was SO confusing, and I potentially lost almost a year of working at a qualifying employer because of confusing information on the website and misinformation from a representative who was supposed to help guide me and clarify the loan forgiveness process. Not only that, myfedloan is not responding to my appeal and refuse to consider approving me for the time worked. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: LAW OFFICES OF RANDALL L. PRATT, P.C.
State: MA

Complaint narrative:
XXXX XXXX XXXX is noncompliance with the federal requirements pursuant to 12 CFR 1006, section 803 through 812 of the Fair Debt Collection Practices Act. 

XXXX XXXX XXXX was sent a cease and desist order which he has continuously violated. 

XXXX XXXX XXXX was sent a debt validation notice which he was notified the debt was not validated properly. He has continued to attempt collection. 

He also continues to sell PRIVATE information about the consumer to other third parties for collection attempt. 

He has failed to identify himself and answer to Freedom of Information Request. 

I have reason to believe he is not registered to do business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HOMESTEAD FUNDING CORPORATION
State: NY

Complaint narrative:
Hello, I just closed on a mortgage ( FHA ) as a buyer a week ago XX/XX/2021. During the closing, I noticed a big discrepancy on my closing cost in the final closing disclosure ( CD ) and complained about this to my attorney and the settlement attorney. The discrepancies involved some payments which are due to or responsibilities of the seller but added to my cost. For example, delinquent taxes of the seller was added to my closing cost. Another big issue is the missing seller 's credit of {$10000.00} as contained in the contractual agreement signed by all parties. This errors made my cash to close to rise by {$10000.00} to {$35000.00}. Page 3 of the final CD has seller credits as {$0.00} instead of {$10000.00}. Despite all my complaints to the lender and my attorney, I was not provided a comprehensive response to my inquiry of why these discrepancy occurred and what some of the payments in the final CD. I believe this is a subtle way of short changing me in the property purchase. 

In one of the responses of the lender to my complaints about this error in cash to close, some payments were marked as settlement made by the seller on behalf of buyer ( me ) towards the seller 's credit. However, a closer look at those payment shows that this maybe untrue. I requested for a new CD that separate seller 's payment of their previously owned taxes and from the credits provided to me for my closing cost. My request appears to be ignored. It is actually against the law for the seller to fulfil their statutory obligations and shift their past due payment to buyer. This is not the agreed seller 's credit of {$10000.00} in the contract/offer letter. 

I will be very glad if CFPB can intervene in this matter to save me from losing {$10000.00} in this transaction and to unfairly treated. 

Thank you.

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 2021-10-22 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: FL

Complaint narrative:
i pulled my credit report. I notice there are some account that was reported inaccurately to the the credit bureau. I took action by sending a dispute letter to the bureau agency regarding the error. i sent my first dispute letter on the on XX/XX/2021. I have waited for a over a month. they never respond to me. I sent them another letter ask them to remove the inaccurate information my report, again they don't respond. this is really frustrating. they have violated the FCRA. I want this account to be removed from my report completely

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 2021-10-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/21 a charge for XXXX in the amount of {$14.00} posted to the account. On XX/XX/21 I filed a fraud alert. The card was cancelled and a new one was sent immediately. However, the amount of {$14.00} was never credited. I have made multiple calls to Citibank about this charge and keep getting told the amount will post in 2-buisness days. The amount has never been credited and the dispute still shows as open on the Citibank website. 
Their site states the dispute would be resolved no later than XX/XX/21. The last phone call to Citibank was on XX/XX/21 where I was once again told the amount will be refunded within 2-buisness days. I was also told that the case has been assigned to a fraud expert, but not being handled at this time.

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 2021-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
this collection agency is o my credit reports several times for the same thing. ive never done business with this company, never even heard of them till they started contacting me, and they don t use their name when they contact me, but o my credit reports its shows XXXX XXXX  and jefferson capital and jeffcapsystms for XXXX and for XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IL

Complaint narrative:
A XXXX account was opened in my name in XXXX and never paid until it was closed in XXXX. I was never aware of this until last month L J Ross and associates hit me with a collection. I called both companies letting them know i was incarcerated in XXXX and didnt get out until the end of XXXX and that i had the documents to prove it. Both companies gave me problems and never once accepted the documents

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
my money is not being used by me its being stolen by the bank and the bank cant tell me where my money is going on

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have a mortgage with Chase Bank that escrows my real estate taxes and insurance. I have never missed a payment. Yet Chase Bank is now almost 1 year overdue for my real estate taxes. Despite 7 calls with Chase Bank and 3 with the prior mortgage company ( XXXX ) whom they bought the loan from, my XX/XX/2021 and XX/XX/2021 real estate taxes have not been paid. 

What is one to do? Despite them confirming on what is claimed to be a recorded call, me taking names of people and case # XXXX, the taxes still go paid. I now have the City of XXXX putting a lien on my house. How is this possible? I never miss a payment. I send the money for them to pay. They don't pay it. Hold my money hostage. And I get the lien? This is absurd! What is the recourse to the bank? Is there a fine? Can they be sued? Why am I being punished for something I don't control?!? 

Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC takeover of BBVA compass bank is a total disaster. The switchover was XX/XX/XXXX and to date accounts are mot showing up, bank employees unable to help, phones not answered. PNC rushed to switch all of BBVA account to PNC and really screwed up badly. We can't get an answer of when they will fix the problems.

Company response to consumer: Closed with explanation