vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, and I hope all is well. XXXX XXXX XXXX continues to furnish repeatedly with the same account number XXXX with multiple late-payments. The company is no longer a service provider for the Department of Education ; Using the E-oscar system, Credit Reporting Agencies continue to furnish data incorrectly according to FCRA Guide-lines. Due to the abundance of identical accounts, the CRA electronic actions caused a major decline in credit and creditworthiness. Requesting one account with the overall amount owed.

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 2020-10-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, and I hope all is well. XXXX  XXXX XXXX continues to furnish repeatedly with the same account number XXXX with multiple late-payments. The company is no longer a service provider for the Department of Education ; Using the E-oscar system, Credit Reporting Agencies continue to furnish data incorrectly according to FCRA Guide-lines. Due to the abundance of identical accounts, the CRA electronic actions caused a major decline in credit and creditworthiness. Requesting one account with the overall amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: VA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This all started in XXXX by a scammer in which I didn't fall for. The info has been sold to various debt collectors over the years. I'm tired of fighting them off. In the last six months another creditor has started mailing me false loan info saying I owe this near {$15000.00}. In the last 20 years I have had only one auto loan and that was satisfied when sold it. I have not even had credit cards until XXXX, one credit card and then another in XXXX. Both I still have and am in good standing. 

XXXX XXXX XXXX said I owe {$15000.00} to an old ( XXXX ) Loan? Does not say what type loan. From original creditor, Citibank? I have never had a load from Citibank nor even a checking account since the XXXX 's. The account number they say it was is actually my old XXXX checking account that I closed when they tried hacking into it.They are putting ( they say ) a judgement against me in the county I no longer live in ( 6 hrs away ) and the case filing number is FAKE. I checked. 

I will not call them so they then have my phone number to harass me more. Don't know what yo do except file a complaint.

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 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I tried to open an account at XXXX XXXX myself. I'm a non-resident here in the US, but I have two business in the US. A banker at XXXX XXXX made a mistake filling up my information and this got in the Experian system.

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 2020-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My credit line was increaced to XXXX for COVID-19. I was told this was permanent, and I utilized the credit line. I called and confirmed three times that my credit limit would not be reversed back to the XXXX. Every agent and supervisor said No Way XXXX XXXX we don't give out temporary limits ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I opened a Chase savings account on XX/XX/20 and deposited a {$2500.00} and {$5000.00} check. Due to undisclosed reason, Chase shut my account down on XX/XX/20 and send a {$2500.00} refund check not the {$5000.00}. It has been more than 30 days and I have contacted Chase several times but no one could give me a straight answer as to when they will release the remaining {$5000.00}. Typical response is per their terms and conditions at account opening, Chase has the right to close the account and hold on to money indefinitely for a variety of reason. Chase is abusing their power as a financial institution and arbitrarily hold on to my money long after the check cleared with no issues. Questions are always answered with reference to their lengthy terms and conditions buried in the service agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
" loan Agreement '' is written in confusing legal speak to hide the massive APR on loan. I have paid {$1400.00} on a {$600.00} loan and my outstanding principal is {$520.00}. with a payoff of {$670.00} Company is XXXX XXXX owned and hiding behind " law doesn't apply to us ''.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I sent {$310.00} to wrong person using Chase QuickPay service. Although name was correct but phone number was old for the recipient. 

I was under the impression that both phone number and name will be authenticated. 

Because when I make similar transaction at XXXX  XXXX XXXX, it checks for name as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
XX/XX/2020 - Went to the XXXX gas station to get gas for my car. Went inside to use the card as a debit for {$10.00} worth of gas. Went back outside, pumped the gas and left. Checked my card and saw that the balance said XXXX. 

See attached pictures where I was paid yesterday, XX/XX/2020, {$100.00} and the only purchase I made was the {$10.00} gas purchase. 

I called Customer Service and explained to them what had just happened and I was told that I needed to use the card as a debit purchase. I informed the Rep that that's exactly what I had done and she repeated herself with " you need to use the card as a debit purchase '', so, I repeated myself and told her that that was what I'd done. After that exchange, she told me that it would take 7 days for the money to go back to my account. 

Question - why does it take 7 days for an electronic transaction to take place? 

I submit this complaint so quickly because this is not my first negative encounter with Money Network. I have another complaint logged against them and I don't want this one to drag out the way I allowed the other one to drag out for 2 months before I submitted a complaint.

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 2020-10-26 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: MI

Complaint narrative:
i have sent these companies several disputes along with my federal identity theft report of fraudulent accounts on my credit report due to identity theft, i have not received a response or results from these agencies. my local law enforcement advised me to file a ftc report and send it to the 3 credit reporting agencies which i have done, but they have not investigated or removed these fraudulent accounts when according to FCRA SECTION 605B these agencies are too block any and all fraudulent information. i will be including a copy of my XXXX  report which is the only documents by federal law that i am required to submit when disputing identity theft, and i will be including my drivers license and social security card for identification purposes so this company will not close this complaint saying they do not believe this was sent by me or authorized by me. I XXXX XXXX XXXX XXXX authorize this complaint

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 2020-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have communicated with the creditor several times in reference to an account ( s ) that has been opened under my name fraudulently. On XX/XX/20 upon the request of the creditor, I supplied Bank of America N.A, and all CRAs ( credit reporting agencies ) a copy of Identity Theft reports and an explanation outlining the Identity Theft and misuse of personal information. The creditor has been reluctant to investigate and has misled me in several occasions while in communication with their customer service and/or fraud department. The credit reporting agencies have stated that the creditor has " verified the information '' yet has failed to substantiate my request for documentation.

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 2020-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have a mortgage with Citizen 's Bank for a vacation home in XXXX XXXX New Jersey. Taxes are paid there quarterly. Citizen 's is escrowing for taxes and not paying them. I called the XXXX XXXX tax office XXXX on XX/XX/2020 and was told Citizen 's Bank needed to submit a bank code. I spoke with XXXX at Citizen 's Bank tax office XXXX and was told it was under review. I called XXXX XXXX at XXXX tax office on XX/XX/2020. He said they had not received a bank code from Citizen 's Bank still. Called CB again on XX/XX/XXXX and was told they still hadn't paid taxes. I ended up paying the third quarter tax bill myself. Now my fourth quarter tax bill is due XX/XX/XXXX and CB still has not paid the bill and said they have an extension which is untrue. They have 10 day grace period but they don't even acknowledge receiving the tax bill which I uploaded to them on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. 

Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
Noticed that there is a collection account to which I have not received any notice to. I do not know when it was listed on my credit, but they did not send proper notification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
On XXXX XXXX Portfolio recovery Associates, added a derogatory mark on my credit report per XXXX, upon further research, this account was transferred /sold and i am no longer responsible for the account.Debtors creditors did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Portfolio recovery associates has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
We have a long, storied history with NewRez regarding the removal of our PMI. We initiated this process in XXXX of this year, however it was not until XXXX that they scheduled the Broker Price Opinion of our property. I will not rehash the past in this complaint, but I have already filed 4 complaints with the CFPB regarding this issue ( See complaint numbers : XXXX, XXXX, XXXX, XXXX. As per the letter I received from NewRez Financial, my PMI was cancelled XX/XX/2020. The letter also states I will receive an updated escrow analysis which would reflect my new mortgage payment. I never received an updated analysis. I called XX/XX/2020 and spoke with a representative, who told me that the escrow analysis was due to be completed XX/XX/2020 and I should receive a copy shortly. Today is XX/XX/2020 and I have never received an updated escrow analysis. I called NewRez again this afternoon only to find out they never performed an updated escrow analysis. I have been billed the same amount for my mortgage every month since my PMI was " cancelled ''. My payment has never reflected the cancellation of my PMI. Furthermore, as my PMI was cancelled XX/XX/2020 the 45-day deadline for NewRez to return any PMI overpayments after cancellation passed XX/XX/2020. I have not received any refund checks, nor has there been any credit to my account for the amount I have overpaid. The agent I spoke with today told me she put a " rush '' on another escrow analysis, and that I should expect it by XX/XX/2020. However, after being lied to about this before, I will not believe it until I see it. 

In addition to the PMI challenge I have experienced, we have also experienced numerous challenges with the Escrow department at NewRez. In addition to the four CFPB complaints made about our PMI issue, I have filed an additional 3 complaints regarding their handling of my Escrow account. This company has lied to me over and over again. Something needs to be done about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
On XX/XX/2020 applied for a vehicle loan. Eventually, that day loan was approved. However, several days later, I received a letter from XXXX XXXX. 
Indicating they were unable to approve my loan based on information received from Early Warning Services. Early Warning inaccurately and falsely reported that I have Serious Delinquency on my file! 
I wrote to Early Warning, ( XXXX XX/XX/2020 ) enclosing the letter from XXXX XXXX, with my information on that document. Address, phone number, date of inquiry. 
I told them that I have absolutely no delinquencies any where on my credit file, much less any indication of serious delinquency. 
Early Warning declined to take action ( their letter of XXXX XX/XX/2020 ), indicating that I needed to submit to them more personal and identifying material. I have not responded to that request because they were able to provide false information about me without additional identifying information and they must correct their false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I had applied for a loan modification with Ocwen in XXXX of XXXX, and I was approved for a loan modification with 3 trial payments, I was approved for a Principal reduction for {$150000.00} that was to be given in 3 parts over the next 3 years, I completed my trial payments in the month of XXXX as planned, and I was told by Ocwen that I would receive an agreement to sign and return, I waited for the agreement for the whole month of XXXX, and no agreement ever came, made repeated calls and asked them to send me the agreement and they just made me wait each time, I even tried making payments during this time but Ocwen would not accept my payments, they kept saying that they won't accept any payments until and unless they have received a signed agreement, and finally they sent me an agreement on XX/XX/XXXX of XXXX, I returned the signed agreement the same day and cleared all the missed payments as soon as they received the agreement. 

I have been fighting Ocwen and now PHH ( as they were taken over by PHH in XXXX ), but I have been turned down the {$150000.00} without any mistake of mine, I need PHH to correct their mistake and give me my {$150000.00} discount as I have never been late on my mortgage ever since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Nordstrom/TD Bank is reporting a fraudulent account opened on XX/XX/18with an amount owed of {$1700.00}. I have communicated with the creditor that the account is as a result of Identity Theft and I have supplied the creditor and the CRAs ( credit reporting agencies ) with all the appropriate law enforcement reports and a explanation outlining the Identity Theft. The creditor, Nordstrom/TD Bank is denying to investigate and has denied me of proper FCRA rights, including the ability to examine the findings or facts for their decision making.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target/TD Bank is reporting a fraudulent account opened on XX/XX/11 with an amount owed of {$4300.00}. I have communicated with the creditor that the account is as a result of Identity Theft and I have supplied the creditor and the CRAs ( credit reporting agencies ) with all the appropriate law enforcement reports and a explanation outlining the Identity Theft. The creditor, Target/TD Bank is denying to investigate and has denied me of proper FCRA rights, including the ability to examine the findings or facts for their decision making.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
A few months ago, my credit card was compromised and it took nearly 2 months for Suntrust to take action and credit me for the fraudulent charges on my account, and only acted once I submitted a complaint to your organization. Since then, I have not felt that my money is safe with Suntrust, so I have maintained the minimum required ( {$500.00} ) to avoid the maintenance fees. Last month my account fell below the {$500.00} for one day, which resulted in a {$7.00} fee. I called, and the representative waived the fee and guaranteed me that although my account would take a few days to reflect the maintenance fee reversal, I would not be charged later this month for a maintenance fee. Today, I noticed I was charged the maintenance fee and when I called I was told that I was charged a fee due to the few days it took for the reversal of the fee to go through. I spoke with XXXX XXXX and he said I was ineligible for a fee reversal.

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