vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 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: CA

Complaint narrative:
I XXXX XXXX, sent letters with no third-party involvement regarding inaccurate and unknown things on my credit report. I sent out letters in XXXX which has now been will over 60 days now and there's still no response. I feel like I am being taken advantage of and being ignored of my disputes. I've been patient on a response and now I demand these items be deleted immediately. My information was impacted by the XXXX  data breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
The mortgage on my home was paid off on XX/XX/XXXX. The mortgagee is supposed to file a Discharge of Mortgage with the XXXX XXXX within thirty days. They created the Discharge on XX/XX/XXXX, but that Discharge was rejected as defective, by the XXXX XXXX. 

The mortgagee created another XXXX, but that one was also rejected, due to perhaps three errors. 

On XX/XX/XXXX, the servicer sent me a letter that they are still working on this. 

Now that my house if free and clear for a year, I have been trying to refinance it, but this old mortgage still shows up on my record, preventing me from closing on my refinance. 

I filed a previous complaint with CFPB under ID XXXX .... But I am filing this new complain since the servicer has only provided a letter saying they are working on the matter. That is not acceptable, since this matter is now more than a year old ( since the mortgage was paid off ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have over paid the monthly payments on this card with the acceptation of 2 payments at the regular monthly fee and the account never goes down. Usually one hundred dollars over should drastically move the balance low. 

I calculated what had been paid and also showing that I had not made charges on this card in the 4 years that the account had been active. 

See the workbook for the breakdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: NY

Complaint narrative:
I have made a previous CFPB complaint about two accounts that are reporting with erroneous information and the issues have not been resolved. The information is still reporting on my credit report inaccurately and it has been causing me issues with obtaining credit. 

There are still inaccurate account information for two account on my credit report which are XXXX XXXX and XXXX credit card. 

On XX/XX/XXXX and XX/XX/XXXX I wrote XXXX, XXXX and Transunion to notify them that the XXXX account was reporting inaccurate late payments. They each are also reporting different months for the same late payment. I also contacted XXXX directly on XX/XX/XXXX and they didn't respond to my verification request. After I contacted them the three bureaus continued to report 3 different late payments dates on this account. They also are reporting the incorrect date of last activity on this account. All three bureaus have a different date of last activity. 


On XX/XX/XXXX and XX/XX/XXXX I also wrote XXXX, XXXX and Transunion to notify them of the inaccuracies on the XXXX  account was well. The date of last activity is also reporting inaccurate. I wrote XXXX on XX/XX/XXXX to verify the date on the account and I didnt receive a response. All three bureaus have a different date of last activity. 

If the XXXX, Transunion and XXXX are getting the same information from the same creditor, then the information should be the same across all three bureaus According to the FCRA, I have a write as a consumer to ensure that all of the information that is reporting on my credit report is 100 % accurate. These inaccuracies are violating my rights. 

Nothing was rectified on my credit report by XXXX, XXXX, Transunion, XXXX XXXX or XXXX credit card. 

I have also attached a copy of each of these accounts as they are reporting 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 2021-04-05 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: GA

Complaint narrative:
I have sent Certified Mail and have receipts as well as Called Experian a number of times. They are trained to send you in circles when you have a problem. All I need is to have this incorrect information removed from my credit report. Why is our credit in the hands of a company that can not give you any answers?

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 2021-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
On XX/XX/2021 I filed a complaint with the Consumer Financial Protection Bureau, under complaint number XXXX. Against Medicredit for account number XXXX. 

The company responded with a copy of some documents that do not belong to me. They attached an invoice under the name of XXXX XXXX XXXX and some other contract that I did not sign. 

The documents they provided appear to be medical and it mentions XXXX XXXX  XXXX from the XXXX. If this was the case with another patient, how did the patient sign that document?. Also the document they provided does not have my signature because I have not been in that situation, apparently this is a fraud account opened in my name and this medical collection agency needs to investigate with their client " XXXX XXXX '' and ask from them to provide the copy of the identification that they have to investigate who this account belongs too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX, my mortgage was transferred from XXXX XXXX  XXXX ( now out of business ) to Loan Care Mortgage. Loan care claims that I am behind a mortgage payment. 

I have been in correspondence ( ie, email, phone calls, letters, etc ) with Loan Care since XX/XX/XXXX - trying to resolve this problem. 

The problem stems from them ( Loan Care ) claiming that they never received a payment that I made to XXXX on the month my mortgage was transferred. 

I have sent to Loan Care - from my Bank - bank statements verifying that all payments were made to XXXX before the transfer. Also, since the transfer, I never missed a payment to Loan Care. It is obvious that Loan Care NEVER received the XXXX payment from XXXX and have be charging me late fees. 

Another problem is that when they recorded my payments - their accounting system posted payments late ( not to mention the payment in XXXX to XXXX ). I have pointed this out to them, but after speaking to countless representatives from Loan Care including their research department, no one has been able to answer my questions or provide me with any " missing payments ''. 

So the most recent correspondence I received from them ( XX/XX/XXXX ) is a notice to Foreclose on my property. 

I am contacting you for any assistance or advice you can give. 

Thank you XXXX XXXX XXXX XXXX XXXX After doing some research on Loan Care on-line, apparently I am not alone. There are other complaints and dissatisfaction with the way Loan Care handles Mortgage Transfers from other mortgage companies.

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 2021-04-05 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:
Good evening Someone use My Person Information With out my Authorization for the Amount of XXXX Which I took the Initiative to Pay. I do Have the Receipt that this fraudulent Accounts was Paid in Full. 
This Account Should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I bank with capital one its a personal online 360 account. I was approved for the PPP loan by the SBA I was screened and approved by the government the money was deposited into my account and I was about to utilize the funds at first but when I went to the actual bank to withdrawal money to pay my workers my account was flagged and put on hold. I have been told nothing! I have all the proper documents a DBA showing I do own a company, Im a sole proprietor and the money was allowed to be deposited into my personal checking account because thats where I conduct my finances from not a business account. No one will talk to me and I believe they are holding my money illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is a formal complaint against [ insert OC name here ] located in [ insert their city, state ]. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, [ insert OC name ] has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have opened checking and savings account with Chase bank in the XXXX XXXX  of XXXX, North Carolina located at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX with promotion of {$600.00}. 

Here are the details - {$200.00} New checking - XXXX {$200.00} New savings - XXXX {$100.00} extra bonus - XXXX Chase Checking Account number - XXXX Chase Savings Account number - XXXX It has been 3 months since the account has opened and the total promotion of {$600.00} has still not been provided to me even after several messages and calls to Chase bank customer service. 

Messaging service keeps saying that account promotion has not been applied to the accounts and Chase XXXX XXXX in XXXX, NC shows no response even after several calls. 

The last call was made on XX/XX/2021 and there has been no heed paid to it. 

I am writing this as complaint in regards to the service that full terms and conditions have not been followed by the Chase branch executives at best due to incompetence and lack of sincerity and at worst following malpractice to deny account opening promotion bonus

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05 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: CT

Complaint narrative:
On XX/XX/XXXX and XXXX, 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Nations Direct Mortgage, LLC
State: FL

Complaint narrative:
I received a letter from Nations Direct on XX/XX/XXXX indicating they had performed an analysis and because they did not have my HOI renewal my mortgage would be changing from {$1800.00} to {$2500.00} starting XX/XX/XXXX. I called immediately and was told that was an error and to throw that notice out and they would be sending a correction. In XXXX after I paid my normal payment I noticed the XXXX amount was not updated. I called again and was told they did not have my HOI declaration page and once submitted the can update. I called my home owners agency they faxed it over and I received a confirmation from Nations Direct on XX/XX/XXXX the insurance was paid. 
XX/XX/XXXX I called again because I was attempting to pay XXXX mortgage at the original amount of {$1800.00} but the system would not take my payment. Upon calling I was told they could not change my payment and I needed to pay {$2500.00} for not only XXXX but also for XXXX because they could not change my payment back without proper notice. They did tell me that an Escrow Analysis indicated that I had overage and I would be receiving a refund check within 30 days of the XX/XX/XXXX notice. Today, XX/XX/XXXX I call to check on status of this refund and it is no where to be found and the request was placed today and I can call back in 72 hours to see if the refund had been issued. Not only did they give me misinformation and I waited for them to send an update I had to make payment arrangements so they would not ruin my credit with a late payment. My husband and I had to struggle to come up with the money to pay the EXTRA {$700.00} for XXXX and again in XXXX and Nations Direct knew they owes me {$2100.00} and made NO EFFORT to issue my refund. I am thoroughly disgusted to call them today and for them to tell me they had no idea as to why my refund was never issued and they have known about it since XX/XX/XXXX. This company needs to be hld accountable and someone should look into their business practices because it is a helpless feeling when no one is trying to help you and you tack on an extra {$700.00} expense as if it will not impact people. If I didnt pay it my credit would be ruined. I sent complaints to the company and they went unanswered because they do not care. No one has provided me any answers and now I am still waiting on a refund. I have attached the XXXX and XXXX escrow analysis. ALso the confirmation of the HOI being paid and no one ever said that I would still be responsible for the {$700.00} increase for 2 months until I called back on XX/XX/XXXX. This speaks to the inconsistencies I get when I called for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Around XX/XX/XXXX of 2021, after a sum of {$3200.00} ( two separate invoices ) were deposited into our business PayPal virtual wallet, PayPal permanently removed our ability to manage and withdraw the funds. Over the course of several digital and phoneline communication attempts with PayPal, their support services have refused to elaborate as to why the account lock action was taken and have refused to facilitate management of the funds to our business. 

Reference ID : XXXX The course of action I am taking today has not been taken lightly and has been suggested by several sources.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In short, I had an escrow/impound account associated with my Bank of America ( B of A ) mortgage. B of A was obligated to pay my XXXX XXXX property taxes. They did not pay my property taxes and a {$900.00} fine was levied against me by XXXX XXXX. I feel that B of A should be obligated to pay the fine. The scenario is outlined in detail below. 

In XXXX, I established a mortgage for my primary home with B of A. Since that time, I contributed monthly to an impound or escrow account from which B of A would pay my property taxes. In XXXX of XXXX, I refinanced that mortgage with a different bank. 

My mortgage was refinanced on XX/XX/XXXX, about 3 weeks after my property tax from XXXX XXXX is due. On XX/XX/XXXX, before my mortgage refinance funded, I contacted B of A to ask whether they planned to pay my taxes from my impound account or return the money in my impound account to me prior to the due date so that I could pay it. I knew that B of A had not previously paid my property tax until shortly before the " overdue '' date on which fines were levied, which would be XX/XX/XXXX. On XX/XX/XXXX, I waited between 1-2 hours to speak with a mortgage representative. The representative I spoke to on the phone was unable to help, but assured me she would raise the questions with her manager and get back to me. I received no response by either phone or email. I called again on XX/XX/XXXX. After waiting more than an hour on hold, I had to go back to work and disconnected. I called again on XX/XX/XXXX. Again, after between 1-2 hours, I spoke with another representative. This person advised me that more than {$9000.00} had been paid from my impound account two weeks prior. She couldn't tell me whether it had been sent to XXXX XXXX or to me, but the taxes could be paid either way. 

On XX/XX/XXXX, I received a letter from B of A postmarked AFTER my property tax was considered past due ( XX/XX/XXXX ). The letter contained a check for all of the funds from my impound account. After speaking with XXXX XXXX 's tax collector 's office, I learned that the county had levied fines against me including {$870.00} for the delinquent payment of my primary tax bill. 

The mortgage had been paid off by my new bank on XX/XX/XXXX. B of A executed the Full Reconveyance on XX/XX/XXXX, but my escrow funds were retained for almost 3 weeks. I called B of A several more times and filed a complaint with the Better Business Bureau, but B of A has not addressed why they failed to either pay my taxes or return my escrow funds in a timely manner so that I could pay my taxes.

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 2021-04-05 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: CBC Companies, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX I was informed by Innovis an security freeze will be activated which I requested due to inaccurate information my credit report. Innovis sent my credit report as my request on XX/XX/XXXX. I saw that Innovis was reporting the inaccurate information such as DOB XX/XX/XXXX which is not mines. Also they are reporting two other accounts XXXX  card service and XXXX XXXX XXXX. On XX/XX/XXXX I disputed with an letter stating the inaccurate and incorrect information and request proof with my signature. I received an letter from Innovis stating XXXX was deleted but XXXX XXXX wasnt, when XXXX XXXX had inaccurate information too. I was told the XXXX XXXX account came back verified with changes of my credit limit from {$1700.00} to {$1400.00} when this account has been closed for almost 5 years. Also my address and phone number are not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: PA

Complaint narrative:
i did not consent to these inquiries reporting on my consumer report, authorize nor benefit from any of the following inquiries, Block and remove them immediately

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 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
This is follow up and an additional complaint on USAA. 

The attached letter discusses the issues. 

USAA has not given answers to the two issues 1 ). May I please have the XXXX XX/XX/2020 documents 2 ) May I get an explanation for why my USAA was terminated and why I am " lifetime undesirable '' at USAA. 

They called and said nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation