vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc.
State: CA

Complaint narrative:
I received a collection letter from UNIFIN dated : XXXX UNIFIN asking me to pay {$2000.00} for XXXX  XXXX Credit Card debt ( The debt owner is XXXX XXXX XXXX ) I do not recognize the amount nor the credit card, On XXXX I sent them a registered letter asking for more information about this debt. I requested to receive the answer within 30 days of my response, but up to date, I didnt receive any response from UNINFIN-See attached Letter and documents. 

Then I received another ( 2 ) letters from XXXX XXXX XXXX dated : XXXX asking about the same debt amount of {$2000.00} ( The debt owner is XXXX XXXX XXXX ) This so confusing and its stressing me out, both debts are owned by XXXX XXXX XXXX, and I do not recognize this debt at all, and they are not providing me with enough information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: MS

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have been receiving multiple phone calls and voice messages every day for almost a year from Synchrony Bank regarding an unpaid Discount Tire bill. The messages claim that the bill originates from Florida, however, I live in Texas. Additionally, I have never done business with Discount Tire. I have repeatedly looked into the issue to see if it is a scam, and it appears not to be. I contacted the company about the issue and the calls stopped for about a month, however they have returned recently with increased frequency.

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 2020-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Report : # XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX Fl. XXXX XXXX : # XXXX To Experian XXXX. XXXX XXXX XXXX, TX XXXX Soc : # XXXX XXXX XXXX Driver Lic : # XXXX Phone : # XXXX My name is XXXX XXXX XXXX, and. I resign at a bow address. I request my Credit Report last month and I apply a credit free. 
I would like to know the cost to get my Credit History and my Credit Score whether by email or by regular mail. From the CFPB as soon  as possible. 
Im requesting my Credit History and Credit score from between XXXX through XXXX. 
I saw a lot of unfamiliar activity on my Credit Report that Im disputing and requesting removal. 

I am writing to dispute all of the following Information that appears on my Experian report. 

1 : XXXX  : Acc # XXXX Ive no recollection and I got no bill in the mail. 
2 : # XXXX : Acc # XXXX Ive no recollection and I got no bill in the mail 3 : # DIVER : Acc # XXXX XXXX Disputing the Red C. I owe XXXX nothing. 
4 : # XXXX// Acc : # XXXX XXXX No recollection never got a bill in the mail 5 : # XXXX XXXX XXXX # XXXX XXXX Acc : # XXXX. Disputing the Red I had no affiliation with any of these accounts or recognize the accounts in question A : # XXXX/XXXX Acc # XXXX B : # XXXX XXXX Acc #  XXXX C : # XXXX/XXXX  Acc # XXXX D : # XXXX/XXXX   Acc # XXXX XXXX : # XXXX/XXXX Acc # XXXX XXXX : # XXXX Acc # XXXX Enclose copies of Soc and Driver LIC Sincerely your XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: MS

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: MS

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Pnc will not let me link to my investing account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Avoiding me to link account with XXXX app and trasnfer money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I attempted to refinance my mortgage with Chase recently. As I recently started my own business Chase underwriting would not recognize my business income and so they required that I add my father as a cosigner on the mortgage. Chase added a number of requirements to the mortgage only AFTER they received my good faith payment, the most important of which was that my father be added to title for my home. As I live in a XXXX coop that would mean adding him to our " stock and lease '' which is a long and involved process which would require thousands of dollars in legal fees and makes the refinance no longer economically viable. After Chase confirmed this was a absolute requirement we stopped the process - I won't be refinancing at this time. However, Chase is refusing to return my {$500.00} good faith payment. 

My understanding is that part of the issue with returning the good faith payment is that the appraisal was completed before cancelling the process and Chase may be claiming they need to keep the funds to pay for that -- however, this is not explicit, I've mostly received silence from Chase in attempting to recoup the money. At the time the appraisal was carried out, I had been told in writing by Chase that the refinance could proceed without altering the stock and lease so I contend I am owed the full good faith payment in return as I was acting in good faith in allowing the appraisal to proceed. 

Here is a brief timeline, document confirming this are attached : -XX/XX/2020 : good faith payment collected -XX/XX/2020 : first time title change ( stock and lease ) requirement is ever mentioned to me. This is debated back and forth over the following days. 
-XX/XX/2020 : Chase confirms that I can proceed with NO CHANGE to my stock and lease. I allow appraisal to proceed on this basis. 
-XX/XX/2020 : Appraisal completed. 
-XX/XX/2020 : Chase writes to me saying they WILL REQUIRE the change to stock and lease. Shortly thereafter, I tell them I do not wish to proceed and I ask for return of my good faith payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My wife and I applied to refinance our existing mortgage with Wells Fargo on XX/XX/XXXX. I met with a WF mortgage consultant for over 2 hours and provided all of the required documentation. I paid {$640.00} at that time for the appraisal and a credit check. 

I provided follow up information as requested immediately. It was an arduous process and the consultant assured me there would not be a problem considering my excellent credit rating and longtime relationship as a WF customer. 

The appraiser arranged a time to visit my house to conduct the appraisal. The night before the scheduled appointment, the appraiser notified me that Wells Fargo would not let him enter my house due to Covid-19. Since the house was unoccupied, he asked if it was alright with me if he entered the house. I agreed. Wells Fargo then said he could not enter the house, even with my permission. The appraiser then said he could perform an external appraisal and complete his appraisal if I provided detailed pictures of the interior of the house, which I submitted. The WF mortgage consultant, Mr. XXXX XXXX, agreed with this approach and the appraisal was completed. I received a certified appraisal on XX/XX/XXXX. Mr. XXXX contacted me afterwards and said everything was in order and the mortgage would be approved shortly. 

Later in the day Mr. XXXX called with bad news. He said that since my mortgage had been sold to XXXX XXXX, they demanded a complete appraisal to include the interior, however, since WF wont allow interior appraisals, they could not approve the refinance. The consultant was very agitated by the decision and promised to fight it further, but after a few weeks passed, he called to say he did not make any progress and urged me to call his supervisor, Mr. XXXX XXXX to complain. I did call and left several messages, but never received a return call. 

On XX/XX/XXXX, I received a letter from WF stating my application was denied because We do not offer the product or program requested, whatever that means. 

I do not understand how as a mortgage holder with WF since XXXX, with a perfect on time payment history, that I do not qualify for a refinance where my monthly payment would be much less than I am currently paying. I also do not understand why they will not let an appraiser in my unoccupied house, when he is more than willing to do so, or why they will not accept the complete and certified appraisal already completed in XXXX. 

It seems that WF, through their own doing, is making it impossible to complete this process. 


Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: OH

Complaint narrative:
On XX/XX/2020, I filed a complaint against XXXX XXXX XXXX ( XXXX ) also doing business as a part of XXXX XXXX XXXX. Please refer to CFPB complaint XXXX. As a resolve to that complaint, I requested the following : " I need XXXX to correct the error to my account to show {$0.00} balance, correct any erroneous information reported to the credit bureau ( s ), and send me documentation designating this account has been paid in full along with the title to the vehicle. '' XXXX did NOT correct the erroneous information reported to the credit bureau ( s ) which caused my credit score to drop 93 points from XXXX to XXXX. I have filed a dispute with XXXX. However, the onus should be placed on XXXX to correct the messes they have created. I should NOT be required to file disputes with all those to whom they have reported erroneous information, especially since I have no idea to whom that may be. I just happened to have the XXXX account and received notice of the error. 

Please help, again. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: GA

Complaint narrative:
On XX/XX/2020 after trying to open a new bank account EQUIFAX had incorrect personal information on my name and date of birth. After a phone call to EQUIFAX on XX/XX/2020 I was told to upload my Social Security and Drivers License to correct and update my personal information on my credit report. On XX/XX/2020 at XXXX EST the Social Security and Drivers License was uploaded and sent with the confirmation number XXXX emailed to me with the Estimated Date of Completion XX/XX/2020. On XX/XX/2020 I received a email from EQUIFAX that I had no disputes filed with EQUIFAX. Will you please help me as they have my mothers birthday as mine as well as incorrect name on my report and I can not open any accounts with inaccuracies and sloppy record keeping by EQUIFAX. 
Thank you very much XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
After over 25 years baking with Navy Federal Credit Union, I applied for a loan to buy a business in 2007. The business failed and I filed bankruptcy. I erroneously failed to file the proper document to have this debt included in the bankruptcy and was unaware of this until recently. Approximately 18 months ago, I applied for a new checking and savings account with Navy Federal credit union. Navy Federal refused to give me a credit card but told me I could open both accounts. After some discussion regarding the history and bankruptcy, they opened the account. I used the account infrequently throughout the year and recently decided to check my balance by phone. My savings account showed a balance of {$5.00} and the checking account had a XXXX balance.. It was at that time they informed me that they had confiscated {$370.00} from my checking account and {$300.00} from the savings account. They claimed this was a lawful debt collection as I had an outstanding debt on a different account from 2007. They took my money from the newly opened checking and savings accounts and refuse to give it back. Now they are threating to sue me for the balance. The statute of limitations has long passed as well as the ability to ding my credit report. I beg them to violate the law here and things will get ugly. At this time I am simply seeking my money back. If this goes on very long, I will seek damages and file a lawsuit. Navy Federal has a history of illegal collection actions and apparently they continue to violate the law. My financial situation has greatly improved and my credit report reflects that. I would not recommend anyone trust this company with their finances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union, XXXX  and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

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 2020-07-11 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: NM

Complaint narrative:
XXXX XXXX, XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

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 2020-07-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: OH

Complaint narrative:
fay servicing got my mortgage from XXXX XXXX  it was a 30year mortgage at 7.25 % payment a month is XXXX never missed a payment fay got this mortgage in XXXX of XXXX they tried to say it was in escrow I told them that it was never in escrow I pay my own taxes and insurance. so then they sent message to the tax Dept. and said they wanted them to send my tax bill to them so they could pay the taxes and put my home in escrow this is not right they paid XXXXto the tax Dept. and I sent the XXXX to fay and told them that there was the money they paid on my tax i also told the tax Dept. not to sent them my tax bill anymore .I have all the checks and all my payments. now I got a letter saying that I am in default of making a payment of XXXX they said I never payed XXXX XXXX I have everyone one of my checks that they cashed and even the XXXXtax check they cashed. its just a scam to try and get my home .i even had an attorney speak to them and they even got him upset.im so tired of this crampy attorney even told them that they better get this fixed or they would get sued. please help me with this problem I have XXXX XXXX XXXX and cant keep getting upset over this I have tried about 30times calling them to fix this every time its something different its just XXXX. they act like XXXX XXXX.HELP PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
My daughter sent {$300.00} to my account which I needed immediately. They put alert on my account and blocked me from my money. I confirmed the email address with the code they sent. However they have an old cell number I can not verify because number changed. They are misleading consumers and trying to steal my money. Then they conveniently do not have customer service workers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Tried to payoff a loan amount on this credit card within the promo period which ended XX/XX/20. Using the promo plan amounts I divided the payments into a monthly amount to make sure I made the cutoff date. In the last month the plan balance changed to a new plan balance and according to them I was short {$61.00}. They are now charging me the deferred accrued interest of {$1700.00} due to the {$61.00} shortfall. In discussing this with their account specialist, he said there was nothing he could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I received a collection letter from XXXX dated : XXXX XXXX  asking me to pay {$2000.00} for XXXX  XXXX Credit Card debt ( The debt owner is LVNV Funding LLC ) I do not recognize the amount nor the credit card, On XXXX I sent them a registered letter asking for more information about this debt. I requested to receive the answer within 30 days of my response, but up to date, I didnt receive any response from XXXX-See attached Letter and documents. 

Then I received another ( 2 ) letters from Resurgent Capital Service dated : XXXX asking about the same debt amount of {$2000.00} ( The debt owner is LVNV Funding LLC ) This so confusing and its stressing me out, both debts are owned by LVNV Funding LLC, and I do not recognize this debt at all, and they are not providing me with enough information.

Company response to consumer: Closed with explanation