vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
What happened? 
I have a XXXX XXXX mortgage loan serviced by Flagstar. I entered forbearance in or around XX/XX/XXXX. In XX/XX/XXXX, I contacted Flagstar again to request that I be evaluated for post-forbearance options per Fannie Mae guidance. Flagstar informed me that my account was subject to a " block '' that needed to be removed before they could proceed. On XX/XX/XXXX, I called Flagstar again, and was again told the same thing. The representative told me to call back in a week, and the block would be removed so that they could proceed with workout options. On XX/XX/XXXX, XXXX XXXX from XXXX joined me for a call to Flagstar. We spoke with customer service representative XXXX and then supervisor XXXX. XXXX said that a " template reset '' was necessary. After a hold, XXXX informed us that she had communicated with the IT department and that IT had confirmed that they would remove the hold within 24 hours. 
She scheduled a follow-up call with me for the following day. On XX/XX/XXXX, I received a follow-up call during which I was told that Flagstar had not yet been able to reset my account and remove the block. Flagstar again told me the same thing : the IT department needed to work overnight night to reset his account before they could proceed to evaluating the account for post-forbearance workout options.

At this point, I had been attempting to exit forbearance for months and have been told five times that an IT problem is preventing Flagstar from moving forward. Each time I have been assured that the problem is a simple IT fix and will soon be resolved, but Flagstar has not yet resolved the problem and moved forward with their evaluation.

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 2021-11-03 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
RESURGENT CAPITAL SERVICE SAID THE BOUGHT A DEBT FROM XXXX OR SOMETHING BUT THEY ENDED UP PULLING MY CREDIT REPORT AND ADDIND AN IQUIRY TO MY PROFILE. THIS COMPANY CLAIMS TO BE A COLLECTION AGENCY, I NEVER DID BUSINESS WITH THIS COMPANY WHY ARE THEY PULLING MY CREDIT? COLLECTIONS AGENCY DONT PULL YOUR CREDIT, I CALLED THEM AND THEY ACTING LIKE THEY DONT KNOW WHAT IM TALKING ABOUT. IF THEY DONT KNOW WHAT IM TALKING ABOUT SOME TYPE OF FRAUD IS GOING ON IN THAT OFFICE. THIS IS CRAZY TO ME THEIR TRYING TO BULLY ME INTO AN IQUIRY I HAVE NO IDEA ABOUT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Well, there exists a discrimination during my application for AMEX credit card. I got a low credit limits as XXXX us dollar. I have already referred several of my friends to apply this AMEX card. They got XXXX and XXXX credit limits. When I asked AMEX, they said they make the decision based on different PERSON! However, me and my friends came from same place with the same income and study in same school and same major. How could this kind of huge difference come about? Whether they are using profile discrimination or use price discrimination method to treat consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: PA

Complaint narrative:
hello, my name XXXX XXXX and I am a victim of identity thief. I report everything that need to be deleted below and in the attach documents. 

1. XXXX XXXX XXXX ( Collection Account ) Account Number : XXXXXXXX Collection opened : XX/XX/XXXX Amount : {$1700.00} 2. Amerifinancial Solution ( Collection Account ) Account Number : XXXXxx Collection opened : XX/XX/XXXX Amount : {$370.00} 3. XXXX XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Amount : {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
We needed funds from our checking account to be transferred for the closing on our home. The funds needed were in excess of the daily online limit, however, the funds were within the limit for a transfer at the bank. I asked for a one time exception to transfer more funds for the closing of a house, as where we are moving does not have a branch, and nobody was able to assist me.

In addition, the staff who tried to assist me were insincere, dismissive, condescending, and rushed. I tried to ask for them to think about alternative solutions, such as using a business account, and nobody was willing to entertain these ideas. I also indicated that if Chase can not help me with this transaction, then I would be inclined to leave Chase as a customer, and there was no attempt to try to retain my business. I received the impression that they would rather not have me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: MS

Complaint narrative:
My chime account was hacked and they closed my account chime will not replyback..I did not close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
credit bureau and company XXXX XXXX violated hippa law with documents they sent, and did not send verification of debt as requested. Company stated would removed from my credit reports and all bureaus did not follow as said it will. I have reached back out to both the company reporting XXXX XXXX on my credit report and the credit bureaus and no response or resolution of the items deleted.

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 2021-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On 4 separate occasions I have asked the mortgage company for help and each time I have I been been denied they are not even looking at my financial hardship due to Covid-19. XXXX. All denials. Due to XXXX in XX/XX/XXXX of XX/XX/XXXX I had already missed 5 months of payments and had asked for assistance then. They are not wanting to offer any assistance I have applied many times all I want is for the servicer is offer me the loan modification that I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Over the past year, I have been charged over {$500.00} in overdraft fees. My bank charges {$35.00} each instance. When I noticed that a lot of the overdraft fees were due to automatic payments that I was not familiar with, they tried to charge me an {$30.00} per account to stop payment.

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 2021-11-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is continuing to report a debt as verified. This debt is an open fraud case with law enforcement and open case with nys public service commission ( as regulatory agency for original creditor XXXX ). This has been deleted off of transunion and XXXX. Experian keeps reporting information that is identity theft. 
Alleged debt is : XXXX XXXX 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 2021-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted by phone and mail Transunion in reference to bankruptcies reported on my file. I was told by phone and mail, that they verified through the county clerk and gave me a number to call them. Said it was the number that they called. After calling I was notified that they never talked to transunion. they also sent me a letter. they just lied about how they investigated. I am looking for them to remove this info from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX  XXXX. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a medical insurance through XXXX ( XXXX ) which published contracted rates for the associated medical providers. When I received the medical service, both the provider ( XXXX XXXX XXXX , XXXX - XXXX ) and XXXX, who listed the provider in its network, committed a fraud by charging me the rate much higher, than listed in the contract. I disputed the charge and agreed to pay only the price listed on the contract. I did pay the amount due to XXXX promptly, as I was waiting on the resolution. XXXX violated many of their own rules, including failing to notify me in advance if my charges will be different than the contracted rates with the provider, billing the lesser amount than the " Maximum Allowable Amount '' and others. As I was waiting for XXXX XXXX  reply to my complaints, XXXX passed my " outstanding balance '' to the collection agency, the XXXX XXXX  - XXXX. I believe there is a collusion of at least 3 business entities ( XXXX, XXXX and XXXX ) to avoid paying claims and charge patients extra amounts in violation of the agreed rates. XXXX reported my " debt '' to Experian ( EX ), the credit reporting agency, that since then has reduced my credit rating directly affecting my previously excellent credit score. This is a direct material loss that I have experienced by EX 's action. The total " debt '' amount is about {$500.00}, and I have been paying monthly much higher balanced. This is the matter of fraud committed against me ( and potentially other patients ) by XXXX XXXXXXXX and XXXX. I have to add Experian also to this axis of fraudulent actors because they failed to impartially investigate my numerous complaints that " bad debt '' was manufactured by XXXX and sold to XXXX. Moreover, EX gave me the wrong address to forward my complaint to the regulator agency. I can provide all supporting documentation. I ask that the fraud by XXXXXXXXEX be investigated by the appropriate regulatory agencies, administrative actions be taken, and that any and all fraudulent charges be removed from my account and my credit score status be re-instated.

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 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My Costco Citi card advertises " cash back '' for purchases. It is usually in the form of a coupon, which needs to be brought to a Costco warehouse for redemption. I have not received a check or any other form of payment for my Costco Citi card for 2021, and I believe it was due early in the year.

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 2021-11-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Bank didn't follow clear instructions on two forms to wire funds and claims to have sent funds via check. The check is still not received after 12 days. Many other mistakes were made and I still don't have access to my funds. 
I had a {$100000.00} CD in a Roth IRA about to mature on XX/XX/XXXX. I wished to have the funds wired to my brokerage upon maturity. Because I don't know the procedure, I called Ally and was told to arrange the rollover through my broker which I did on XXXX. The broker 's form didn't have wire instructions, so I called Ally and they instructed me to fill out and submit a DOMESTIC WIRE TRANSFER REQUEST and instructed me to submit it independently which I did XXXX. I proactively called to confirm that everything was in order and was assured it was. On XX/XX/XXXX, my funds did not arrive as expected. On XX/XX/XXXX I called to inquire and was told by XXXX that the funds had been sent by check ( even though there was no address provided by me ) and that the check would be received that day. It was not. I called back XX/XX/XXXX and talked to XXXX and insisted that a new wire be sent immediately and was told the procedure requiring an affidavit and indemnification and a 4-day wait period. She said she escalated my case and I'd hear back in 1-3 days. I did not hear back so I followed up and the escalation was set incorrectly, so it had to be restarted. When I finally heard back ( XXXX ) XXXX said Ally was working on getting the check back which I never requested and it would delay things further. He acknowledged Ally 's errors but said there would be no compensation. Even the lost interest, which is minimal, would require a lot of work on my part. 
I see that Ally has many complaints here exactly the same or similar to mine, averaging over one a month this year, and that's just what's reported. They clearly don't take this issue seriously or perhaps they are doing this intentionally to delay disbursing funds.

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 2021-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Receivables Group, Inc.
State: NC

Complaint narrative:
Healthcare Receivables Group has opened an account using my personal information without written or verbal consent. A debt validation letter was sent to this company to verify this alleged debt and documents were sent to me in regard to this letter. The document contained personal medical information for someone with a name, dob, address, and a facility I have never visited that does not belong to me. This company has sent medical records and consent forms from the facility ( XXXX XXXX XXXX ). Healthcare Receivables Group has reported to the bureau incorrect and inconsistent information. Please investigate this company. I have also reached out to XXXX, XXXX and XXXX about this alleged debt that I do not owe. Also remove this alleged debt that I do not owe. I have explained to this company that this alleged debt is disputed. Healthcare Receivables Group opened an account within their facility using my social security number ( credit card for an open ended credit plan ) to collect payment on this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2021 I went to Citi Bank at XXXX XXXX XXXX  XXXX XXXX, IL XXXX to inquire on a savings promotion that I received in the mail. The offer ( attached ) was a direct mail offer to me, and existing Citibank Customer to open a savings account with {$250000.00} in new money to received a bonus of {$1000.00} after the balance requirement was met after 60 days ( Maintenance Period ). The bank representative XXXX XXXX advised me to take advantage of a different in branch offer. Open a Citi Gold Account Package with Checking and Savings to earn a bonus of {$1500.00} after 6 months by meeting the qualifier of depositing {$250000.00} new money. The bank representative opened the accounts for me and deposited my check of {$250000.00} from XXXX XXXX  ( new money ). The funds were split amongst the 2 accounts {$200000.00} to CG Checking ending XXXX and {$50000.00} to Citi Savings ending XXXX. 

After the 6 month period passed I did not receive bonus. I went into the branch to speak with the bank representative but he no longer worked there. I spoke with the Branch Manager XXXX XXXX, XXXX XXXX Head Concierge and numerous other representatives by phone. XXXX stated that I did not qualify for this promotion because I already had an existing checking account. If I did not qualify for this offer they never should have recommended this type of account for me. The original offer I inquired about did qualify for existing clients but they convinced me to open a different account package. XXXX and XXXX told me they would escalate my complaint for an exception for the bonus to be paid since the bank representative disclosed the incorrect terms to me. I have not heard back from XXXX or XXXX. I have contacted him numerous times by phone. I still have not received a resolution and response. They are ignoring me. The bank representative used deceptive sales practices to increase sales numbers by having me open numerous accounts for a promotion that they are saying I do not qualify for. 

The attachment includes the account opening disclosures given to me, the account opening summary of the 2 accounts opened and opening deposit balance, statement with account opening date deposit and copy of check as proof of new money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was rejected for a credit card as Experian told lender that I did not have any credit history. 
I am XXXX XXXX XXXX and have an extensive credit history with high ratings XXXX scorefrom XXXX and XXXX. 
I contacted and spoke to 6 people at Experian and they all said nothing to be done. All inquiries are told that I have insufficient credit history.

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