vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 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: ZIONS BANCORPORATION
State: WI

Complaint narrative:
On XX/XX/2020 and XX/XX/2020, Zions First National Bank executed hard inquiries on my credit report without my consent. I have no dealings with Zions First National Bank, nor did I authorize them to place these hard inquiries on my credit file. I sent a letter via First Class Mail on XX/XX/2020 asking to cease inquiries. I called them on XX/XX/2020 to ask and was not provided a clear explanation of why or how these inquires are repeatedly being executed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
I tried calling Transunion and after being on hold for over an hour the representative was unable to assist me. I recently viewed my Transunion credit report and notice numerous hard hit inquiries done on my credit report without authorization & fraud. Before this incident I had 0 Hard Hit inquiries on my Transunion Credit Report. 

XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX   Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX   Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was enrolled in a covid protection plan as of XX/XX/2020, and was informed that I can miss my home equity payments without negative reporting to my credit profile. Despite Chase 's promise to continue positive reporting on my credit, I was in fact reported late for the Month of XXXX. Despite missing XXXX, XXXX, and XXXX payments, ONLY XXXX was reported as 30 days, when in reality NONE OF THEM SHOULD HAVE BEEN reported as late on my credit as specified by the CARES ACT. I made all 3 payments on XX/XX/2020, bringing the account into a current status. I was promised that there would be NO NEGATIVE reporting what so ever. 

I was misled by Chase, and despite several request to correct the error, they are continuing to report erroneous derogatory infomration on my credit. 

Loan Number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Flandreau Santee Sioux Tribe
State: CA

Complaint narrative:
On XXXX I was contacted by an XXXX XXXX with XXXX XXXX XXXX. Indicating I owed a debt to Rushmore financial in the amount of {$45.00} I was told if I did not pay I would be charged with defrauding a financial institution. I spoke to a supervisor and was told I had until Friday XX/XX/2020 to pay and they would contact me on Friday. They then called me 3 times prior to XXXX XXXX today Thursday XX/XX/2020. They then contacted my wife and gave her a case number. When I returned their call today XX/XX/2020. I spoke to a XXXX XXXX. He refused to provide an address for this company XXXX XXXX XXXX and refused to send me documentation of the debt. then was extremely rude and told me he had never heard of anyone disputing {$45.00} and that I could just go to court. Extremely rude and I do not believe this is a legitimate company. The phone # I was called from was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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:
MY CAR WAS STOLE WITH MY WALLET INSIDE, THESE ACCOUNTS WERE OPENED WITHOUT MY CONSENT OR KNOWLEDGE. THEY ALL NEED TO BE REMOVED NOW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
In XX/XX/2020, I inquired with my current mortgage company, XXXX/Loancare, about refinancing or dropping the PMI ( {$79.00} per month ) on my current mortgage loan with them. 
XXXX  ordered an independent licensed appraiser, XXXX XXXX XXXX, XXXX, to do an appraisal on my property. This was completed on XX/XX/2020. I currently owe approximately {$210000.00} ( XX/XX/2020 Statement ) on the current mortgage and my house appraised for {$300000.00} on XX/XX/2020. 
I love contacted XXXX  and notified them that it would make more sense for me to keep my current mortgage and use the appraisal to drop the PMI off my current loan.

XXXX   will not use the appraisal they ordered to drop the PMI. I'm being told that I have to pay another {$470.00} for a new appraisal because the initial appraisal they ordered only will apply to a refinance loan. Since the appraisal was not ordered by them for the purpose of dropping my PMI, they will not honor the initial independent appraisal THEY ORDERED for the refinance option. 
This makes absolutely no sense to me at all. They are obviously making it difficult for me to drop my PMI! 
I've spent approximately 10 hours of my time with phone calls to both XXXX and Loancare. Both companies use the same Customer Service contact phone number, XXXX XXXX XXXX XXXX. However, they continue to switch my complaint back and forth to their different " branches '' therefore making it impossible to get either a refund on my Appraisal fee XXXX {$470.00} XXXX or for them to use the appraisal they ordered to drop my PMI and save me almost {$80.00} a month! 
I am currently experiencing XXXX complications and taking care of my elderly mother who is my dependant. The saving of {$80.00} a month from my mortgage payment would help me tremendously with paying my utility bills. 
I have never been late or missed a payment with XXXX  or any other creditor I have, ever! My credit score, according to XXXX XXXX is XXXX with both XXXX  and XXXX  XXXX 
Please make XXXX Loancare, or  whatever company they decide to call themselves ( I've even been forwarded with my complaint to " XXXX??? ) Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: GA

Complaint narrative:
21st Mortgage Co. & XXXX XXXX  did not pay last two claims & lied about get out owner 's ownership insurance contract. We fortunately got history of deception especially XXXX XXXX and just recent XXXX today. Contact XXXX XXXX XXXX XXXX. Have photos of numerous problems that were not addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
On XX/XX/20 a payment of {$180.00} was made to Synchrony Bank. The minimum amount due was XXXX. I scheduled my monthly payments to be made for the minimum amount due, therefore, no payment was due. I called Synchrony the next day, XX/XX/20, and spoke to a representative who said she would contact the appropriate department to request that a check in the amount of {$180.00} be sent to me. She said it would take 7-10 business days. I told her that was unacceptable. I had recently done a balance transfer and Synchrony was paid {$5000.00} and that no minimum payment would be due for awhile. 
I have sent messages to Synchrony through XXXX and received the usual replies, i.e. sorry for the inconvenience, someone will contact me, etc. My communication with them began last Friday, XXXX XXXX. Yesterday a woman named XXXX called me and left a voicemail message. I returned her call immediately and got her voicemail. I left a message. She did not call back yesterday. I contacted Synchrony through XXXX messenger again. They said they would contact her and have her call me asap. Today is Thursday, XXXX XXXX. XXXX has not called me back. I called her again a couple of hours ago and left another voicemail. It is XXXX XXXX on the XXXX. No reply. 
This is a disgrace. The company took money out of my checking account without my permission. I need that money to pay bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: LA

Complaint narrative:
I SENT RECEIVABLES PERFORMANCE A LETTER ON XXXX XXXX CONCERNING A NEGATIVE ALLEGED DEBT OF XXXX THAT I DO NOT OWE.I HAVE ATTACHED A COPY FOR YOUR VIEWING BELOW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: GA

Complaint narrative:
The balance on this account is false and should be removed entirely. The creditor owed a credit to me the consumer for payment they received. Instead of apply the credit to any outstanding balance owed. The creditor kept the credit and falsely charged me, the consumer, with an incorrect charge to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: CA

Complaint narrative:
Investigation took more than 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: TX

Complaint narrative:
FEDLOAN SERVICING is confirming that payment history listed on 4 accounts on my credit reports is correct. Each credit bureau stated that that payment history was sent to them and you are reporting it correctly from XXXX to XXXX It is showing on my credit reports every month that it is outstanding for 120 days each month during that time people. You can not have consecutive months outstanding by same number of days. This is non factual reporting on my credit reports and I like it updated or tradelines removed from reports. Please provide me the documentation that you send to the credit bureaus for my records so that I can see what is being sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/2020, I was notified by XXXX XXXX & XXXX  that a hard inquiry was placed on my credit report to open a new line of credit with XXXX  XXXX in Michigan - a state I have never even visited or resided. This inquiry was flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX  and XXXX XXXX, fraud alerts were placed on all 3 credit reports, and XXXX XXXX denied the application as fraud. XXXX  immediately removed this hard pull from my account, but XXXX XXXX failed to remove the fraudulent hard pull from Equifax. Since these are hard pulls, they negatively impact my credit score. As requested by Equifax, in XX/XX/2020, the CFPB assisted me in getting XXXX XXXX to correctly fix this fraud error on my credit reports ( see attached letter dated XX/XX/2020 ), but to date, Equifax has not corrected this hard credit pull. 

In late XXXX, I filed yet another complaint with Equifax via the CFPB portal to get this resolved, also attaching the requested correspondence from XXXX XXXX, but Equifax conducted no investigation and closed this complaint out. This is still listed as a hard inquiry on my Equifax credit report, which negatively impacts my overall score. Additionally, it is completely fraudulent, so it needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX I received a call from XXXX. 
The lady calling asked to speak with " XXXX '', but she asked in a form of a question, like just expecting for me to answer " yes '' ( sounded like she just wanted me to say " yes '' like a scam ). 
I didn't say " yes '' but I did let her know I was XXXX and asked her let me know what the collection was about. She would not say, but she still wanted me to say " yes ''. Her question and wording sounded tricky really insisting that I said " yes ''. 
I do not have any pending debt collectors so this is probably a scam. I told her not to call again and she just said ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XXXX of this year, our state shutdown over the covid crisis, and I was not going to be able to work for an unspecified period of time. I made XXXX payments for all my cards and services, but would be unable to pay my obligations through the remainder of the shutdown period. The IRS postponed payments through XXXX. I contacted all my cards and services in XXXX, and my student loan, XXXX  XXXX XXXX, XXXX and XXXX all suspended payments to XXXX of XX/XX/2020. American Express also agreed to work with me during this period. In XXXX, I received a text message from AMEX stating I was past due. I contacted them immediately and was told that I was ok, it just takes a while for the deferment to enter the system. However, in XXXX, I began receiving daily phone calls from AMEX, claiming my account was past due. I was in phase 3 of California 's reopening and didn't go back to work until XX/XX/XXXX. I called AMEX and told them I would be able to start making my payments again in XXXX, that my account was mistakenly placed in past due status, and asked if they could remove the late fees and past due amount. They refused and stated I was responsible for the past due amount. A week later, California shutdown again and I haven't worked since. I was eventually forced to get unemployment insurance, since I needed to start making payments in XXXX. I made a XXXX dollar payment to AMEX as my XXXX payment, and filed a complaint with the XXXX. AMEX contacted me and told me they do not make adjustments to past due amounts and they had already given my account to a collection agency, and would have to discuss it with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-10 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:
MY CAR WAS STOLE WITH MY WALLET INSIDE, THESE ACCOUNTS WERE OPENED WITHOUT MY CONSENT OR KNOWLEDGE. THEY ALL NEED TO BE REMOVED NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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 have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain 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 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The balance on this account is false and should be removed entirely. The creditor owed a credit to me the consumer for payment they received. Instead of apply the credit to any outstanding balance owed. The creditor kept the credit and falsely charged me, the consumer, with an incorrect charge to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
First and foremost, the communication with this lender is awful. I applied for a COVID 19 Forebearance. I never received anything from them. Only when I called and listened to the answering machine did I find out that I do not have to pay until XX/XX/2020. I never received anything official in writing from them. 

On top of that,, my real estate tax bill went down XXXX. I sent this to the lender and asked for an escrow analysis. They were collecting a much HIGHER amount for the projected amount. The projected bill came in XXXX lower, and somehow in their calculation, my payment has now gone UP and not down. They are stating that I have an escrow shortage of XXXX This is impossible because they were collecting a higher amount all along. 

Finally, I want my payment due date by the XXXX of the month. They have charged me fees if I pay after the XXXX, even if their is supposed to be a grace period to the XXXX. 

Please help me with these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I discovered on XX/XX/2020 that money was being illegally transferred from my bank account. The transaction did not appear in the XXXX XXXX but was only present in my bank account statements. The transactions appeared on my account under the following name. The bank confirmed that it was a XXXX XXXX transaction number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA The individual took over XXXX from my bank account. Bank of America refuses to keep the claim open because of insufficient evidence despite that fact I have supported a police report and letter from the police recommending for me to contact the FBI, documentation of my case submitted to the FBI, and.copies of the emails with XXXX XXXX about the situation. 

Bank of America refuses to provide any information on their investigation the case or honor my appeals to keep the claim open. 

I have reached out to XXXX XXXX as well and they have been unresponsive. 

I have attached a password-protected PDF of all my documentation. The password is password is XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation