vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 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: CA

Complaint narrative:
TO THE CREDIT AGENCIES, YALL HAVE WILLFULLY AND KNOWINGLY, DISHONORED THE FCRA 605B LAW - IDENTITY THEFT. IT HAS BEEN 3 MONTHS SINCE IVE NOTIFIED THE CREDIT BUREAUS WITH THEIR FALSE REPORTING, I HAVE NOT GOTTEN ANY GOOD RESULTS BACK, AT ALL!!! I'VE CONTINUED SENDING ALL NECESSARY DOCS FOR THE REMOVAL OF THESE FRAUD ITEMS. ALL 3 BUREAUS HAVE UNDOUBTEDLY THROWN OUT MY INVESTIGATIONS TO THE WIND AS THEIR HAVE BEEN NO RESPONSES OR RESULTS, THESE ARE UNFAIR BUSINESS PRACTICES. MY NAME IS XXXX XXXX AND YALL HAVE NOT GIVEN ME A FAIR INVESTIGATION, NONE OF THESE ITEMS I'VE LISTED ON DOCUMENTS BELONG TO ME. THERE IS NO WAY YOU'D HAVE EVER VERIFIED ANYTHING, ESPECIALLY UNDER FCRA 809AB GUIDELINES, SHOW US!

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 2020-06-18 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: CA

Complaint narrative:
TO THE CREDIT AGENCIES, YALL HAVE WILLFULLY AND KNOWINGLY, DISHONORED THE FCRA 605B LAW - IDENTITY THEFT. IT HAS BEEN 3 MONTHS SINCE IVE NOTIFIED THE CREDIT BUREAUS WITH THEIR FALSE REPORTING, I HAVE NOT GOTTEN ANY GOOD RESULTS BACK, AT ALL!!! I'VE CONTINUED SENDING ALL NECESSARY DOCS FOR THE REMOVAL OF THESE FRAUD ITEMS. ALL 3 BUREAUS HAVE UNDOUBTEDLY THROWN OUT MY INVESTIGATIONS TO THE WIND AS THEIR HAVE BEEN NO RESPONSES OR RESULTS, THESE ARE UNFAIR BUSINESS PRACTICES. MY NAME IS XXXX XXXX AND YALL HAVE NOT GIVEN ME A FAIR INVESTIGATION, NONE OF THESE ITEMS I'VE LISTED ON DOCUMENTS BELONG TO ME. THERE IS NO WAY YOU'D HAVE EVER VERIFIED ANYTHING, ESPECIALLY UNDER FCRA 809AB GUIDELINES, SHOW US!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) .amount of {$1100.00}. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) .amount of {$750.00}. i disputed this account requesting THE VALIDATION to this account and all document that credit report have to send me to validated this account. i never received any document from the company they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account to my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I recently opened a savings account with Marcus by Goldman Sachs. The very day I transferred funds into the account Marcus LOWERED the interest rate without warning. I called to close the account and was told the funds were on hold and to call back on XX/XX/XXXX. I called on XX/XX/XXXX and was told to call back on XX/XX/XXXX. This bank is working a SCAM! I want my funds transferred back to the accounts from which they were taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: NJ

Complaint narrative:
XXXX XXXX XXXX ( XXXX t XXXX ) i disputed this account requesting THE VALIDATION to this account and all document that credit report have to send me to validated this account. i never received any document from the credit report. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account from my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.

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 2020-06-18 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: NJ

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) i disputed this account requesting THE VALIDATION to this account and all document that credit report have to send me to validated this account. i never received any document from the credit report. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account from my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.

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 2020-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I am a current CitiCard customer that had a card expiring. I received the card and called to activate it. I successfully activated the card, and the agent said I was eligible for a Gold option on the card and asked if I also wanted the " feature turned on ''. I said OK. 

What really happened is that they sent my new expired card AND opened a new credit card with a {$10000.00} credit line and several terms including a {$50.00} annual charge. My original card is a lower credit limit and no annual fee. NO REPRESENTATION was given to me that this was going to be a new, separate card, and NONE of the terms were provided. It was misrepresented as a 'feature ' on my current card, not a new Gold card. 

I felt this was a gross misrepresentation and false marketing to drive new accounts and higher credit limits just like XXXX XXXX has been fined for doing. This hit my credit report and affected my score among other inconveniences. 

I called and immediately cancelled the card, but this must be a rampant practice at CitiBank now. 

I would like an understanding of how the CFPB is going to follow-up especially given the I myself am in the financial services industry.

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 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Medical Management, Inc.
State: NJ

Complaint narrative:
FINANCIAL RECOVERIES ( XXXX XXXX XXXX XXXX ) i disputed this account requesting THE VALIDATION to this account and all document that this company have to send me to validated this account. i never received any document from this company. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account to my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18 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: UT

Complaint narrative:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: UT

Complaint narrative:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

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 2020-06-18 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: UT

Complaint narrative:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

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 2020-06-18 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
In XXXX of XXXX I opened up a Barclay 's Credit Card. As soon as i opened the card I had immediate problems. Balance transfers have been made without my consent by a XXXX XXXX. I called the problem into Barclays and to date it is still not resolved and they have reported to the credit agencies and my score has declined.

After months and months of issue and 2 bank balance transfer we made according to Barclay 's. {$3600.00} & {$1200.00} I do not have the card and I do not have access on line. I closed the account XX/XX/XXXX and I have a letter from Barclay 's  bank documenting the account was closed with a XXXX Balance. 
On XX/XX/XXXX, I received a letter now with a new account number ( that I did not open or authorize ) That a recent payment to my card was made in the amount of {$3600.00} and returned to my bank. I did not make any such payment and reported it to Barclay 's and at this point I have investigations open into this account and a police report from back in XX/XX/XXXX and a supplemental update in XX/XX/XXXX. 
I have received letters from Barclays telling me while this is being investigated I would not be held responsible for this activity, and an adjustment will be placed on my account however that have sent me to collections they have reported to the credit agencies being late over 90 days for 3 months and although I received a letter when I closed the account back in XXXX of XXXX. They have opened up new account without my knowledge and when you read the documentation please take not all the account ending numbers. They just reported closing the account XX/XX/XXXX. 
I need help every time I call they tell me another 30 days. I have spend countless hours trying to get this corrected, but to send me to collections and report to the credit agencies with my score now dropping over 100 points. This is outrageous. 
I have sent them police reports and all the documentation and they will not stop collections they tell me I have to wait another 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 2020-06-18 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, I asked on multiple occasions that Caine and Weiner AND XXXX provide ALL THREE of the following : 1. The description of the procedure used to determine the accuracy and completeness of the information.

2. Name, address, and telephone number of each person contacted regarding this alleged account. 
3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them ( CAINE & WEINER ) the exact amount claimed. 

Unfortunately, they never provided me with this information that I requested, specifically asking HOW they validated this debt. Instead, they keep adding this account to my credit report preventing me from improving my credit report among other financial obligations that I have and am trying to obtain. 

The dates that I sent letters regarding this instance are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are claiming I owe Caine and Weiner {$170.00} and reporting on my account, " meets FCRA requirements. '' No, it does not. It can't meet FCRA requirements if you can't validate the debt and show proof. 

If I am not mistaking, the FCRA requires that ALL data reported on a consumer must meet 3 very specific criteria : it must be 100 % accurate, 100 % verifiable and 100 % timely. Since they failed to provide me the information I requested, this is not 100 % verifiable and my credit report and character is being played with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
The mortgage was transferred from OCWEN to PHH mortgage. Now I received some letter advising XXXX is now involved but PHH is still handling mortgage. Upon attempting to log on, I got a message saying I needed to re-register. I attempted to do such with no success. It keeps telling me that Account not found. I contacted customer service Via phone and they said they will submit A ticket to the web support department. They said could take a week. After a week I sent an email to them, this was on XX/XX/XXXX. On XX/XX/XXXX they sent me a reply with detailed instructions. The same instructions that have not been working. They also requested screenshots if I was still having difficulty. I sent them screenshots on the same day ( XX/XX/XXXX ). I received no response. On XX/XX/XXXX I sent a follow up email. I have still yet to receive a response or have the issue addressed.

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 2020-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I applied for mortgage refinance online through chase. After completing it stated a representative would call me. My information entered shows around 95 % financed. I entered this information prior to speaking to an agent. The agent then called and spoke with me over an hour. Prior to pulling my credit chase knew I didnt qualify due to an XX/XX/2020 decision to only accept XXXX credit scores and 20 % down. I have XXXX credit score and only 5 % down. Chase knew I had only 5 % but continued to proceed without telling me I didnt qualify. Then chase pulled my credit conforming I had XXXX credit. The agent then put me on a series of long holds and then informs me I dont qualify for a mortgage because I dont have 20 % down. Again a hard inquiry on my report. Chase knew I didnt qualify and intentionally harmed my credit by pulling my report. Again, the issue isnt my credit score but the amount or percent financed.

Chase executive office is stating I dont qualify due to credit but this is false. I dont qualify due to 20 % down that chase saw before pulling my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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:
ABUSE OF POWER. FORCED LIFETIME MEMBERSHIP. Where credit cards opened & payments made using members Undeletable Profile.  XXXX. PROVIDES NO DELETE POLICY. See attatched Equifax Credit Report XXXX Account ( XXXX XXXX ) opened XX/XX/XXXX date closed XX/XX/XXXX IS ALL INCORRECT. See attatched XXXX Account ( XXXX XXXX ) DEBT DISCHARGED CANCELLATION DEBT XXXX.WHY DID ACCOUNT NUMBERS CHANGE? ALL DATES INCORRECT? THESE ARE THE SAME ACCOUNTS WITH ( XXXX ) BEGINNING & ( XXXX )?? OR IS IT see attatched XXXX XXXX statement XX/XX/XXXX with {$100.00}?? DELIQUENT. beginning ( XXXX ) See attatched XXXX XX/XX/XXXX CREDIT CARD ( XXXX )?? ACCOUNTS KEEP CHANGING NUMBERS?? end XXXX DID NOT SETTLE UNTIL XX/XX/XXXX.?? Kindly Note Equifax Credit Report has XXXX Account ( XXXX )?? DELIQUENT ALSO.see attatched CREDIT CARD FRAUD CLAIM OF XX/XX/XXXX UNAUTHIRIZED TRANSACTIONS {$470.00} XXXX ending XXXX. XXXX OPENED A XXXX XXXX I DID NOT AUTHORIZE. A MC XXXX I DID NOT AUTHORIZE. XXXX USED MY PRIVATE PROFILE DATA TO OPEN THESE TWO ACCOUNTS & POST A PAYMENT XX/XX/XXXX I DID NOT AUTHORIZE USING MY PRIVATE PROFILE DATA. XXXX REFUSES TO DELETE MY PROFILE CLAIMING I AM A LIFETIME MEMBER. HOW CAN THEY HOLD MY PRIVATE DATA AGAINST MY WILL TIL DEATH DO US PART? ( *ABUSE OF POWER. * )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Tried to link account for XXXX and it was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
I have an unverified account on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I have disputed the validity of this debt and requested verification of this account but there was no response .Therefore I am requesting this debt be removed for three reasons. 1. ) Account not marked disputed in a timely manner. 2. ) Unable to provide proof of this debt, and 3. ) No response to letters of validation. In this complaint there will be documents showing the collection agency received two certified letters. Thanks in advance for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I purchased furniture and got a loan from WellsFargo in early XXXX. When the first statement came I tried creating an account online and was not able to. Called the customer service team and they indicated they needed in person verification. I took time off work to go to one of the local branches so they could do the verification. They told me the issue was resolved and I should be able to create my account. Tried creating my account but I was not able to. Waited some more to see if it just need to be refreshed. I tried in several occasions but was not able to. Called on XX/XX/28 to get help, was told a technical support ticket was opened and the issue would be resolved in a few days. Never heard back. When my account is due they sent me an email asking to log in to view important messages. I tried longing in but couldn't. I called their customer service team, spent just about XXXX minutes on the phone with several transfers and holds and the issue was not resolved. I am having a hard time trusting this financial institution with my private information as they cant even resolve their own internal system issues. 

Following WellsFargo guidance of calling, being on hold, going to their local office, calling some more, I have spent hours of my time trying to resolve this issue. I had to take time away from work to get their issue figured out. They should be held accountable.

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 2020-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Suntrust Mrtg Inc., was negligent in the naming of the borrower on the Subordinate Mortgage recorded with the XXXX County Commission on  XX/XX/XXXX, Book XXXX, Page 1461. 
Suntrust Mrtg Inc., changed the information on page 1 of the Subordinate Mortgage one year, 7 months, and 16 days later without my knowledge by swapping out page 1 and had it re-recorded with the XXXX County Commission on XX/XX/XXXX, Book XXXX, Page XXXX. This has caused a cloud on the title of my home for which I have an executed contract to sell my house to a buyer. Because of this cloud on the title created by Suntrust Mrtg Inc., Suntrust Mrtg Inc., prevented the closing on the sale of my house that was scheduled for  XX/XX/XXXX because Suntrust Mrtg Inc., has not provided the complete payoff information. For several weeks, the title agency handling the closing and myself have spoken to many customer service representatives, mortgage client care representatives and people I was told were supervisor but were not supervisors. I was told by XXXX of XXXX XXXX XXXX that I would receive a call regarding the payoff information within 3 days from when Suntrust Executive Services investigated the issue. I did not receive a callback. I also spoke with XXXX on XXXX XXXX regarding the payoff. She informed me that her supervisor was researching the issue and would send me the payoff on Monday. I did not receive anything on Monday XX/XX/XXXX nor did I receive a phone call.

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