vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 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: AZ

Complaint narrative:
Hi, I informed Experain, XXXX  and XXXX  that the ( XXXX XXXX XXXX ) XXXX was reporting different across all three credit bureaus. 

Experain and XXXX  said they verified this information as correct. 
XXXX  never responded to my letter I sent. 

I want to remind you its the Credit bureaus responsibility to report 100 percent accurate on the consumer report, Please see the variables below Date Opened : XXXX  : XX/XX/XXXX Experian   XX/XX/XXXX XXXX  ; XX/XX/XXXX High Credit : XXXX  : {$500.00} Experian  {$0.00} XXXX  ; {$300.00} Last Reported : XXXX  : XX/XX/XXXX Experian  XX/XX/XXXX XXXX  ; XX/XX/XXXX Comments XXXX : Charged off as bad debt Purchased by another lender Experian Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX XXXX XXXX XXXX ; Account transferred or sold Charged off account Date Last Active : XXXX   : XX/XX/XXXX Experian XX/XX/XXXX XXXX  ; XX/XX/XXXX Date of Last Payment XXXX  : XX/XX/XXXX Experian XX/XX/XXXX XXXX  ; XX/XX/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 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: IL

Complaint narrative:
3 times Ive sent debt validation letters to IC Systems. Every time they send a response they say that they can not find me in their files bc I have not submitted any information they need to look me up. My name and address are always included and they can not locate me in their system with either or. But they are reporting this allege collections on XXXX   & XXXX.

I then sent a dispute letter to XXXX  & XXXX  and both investigations have came back verified. Ive then sent the credit bureaus another letter asking how the account was verified if IC Systems can not locate me in their system, only to receive another verified investigation result without proof of their verification process.

This account needs to be removed immediately since they can not send me debt validation bc they can not find me in their systems.

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 2020-10-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I've been trying to get a Home Equity loan from my local bank. XXXX XXXX XXXX. While they were researching my mortgage they found I had 3 mortgages outstanding on my home. My mortgage is with Chase. What happened here is Chase bought my Mortgage from the  Mortgage Store in XXXX XXXX Missouri. Now XXXX  XXXX  XXXX was shut down by the government years ago before Chase bought my mortgage. XXXX XXXXXXXX  XXXX paper work was never cleaned up by Chase. After Chase bought my mortgage XXXX XXXX  XXXX mortgages was never closed out. The only real mortgage I have is with Chase. But on my credit report it shows 3 mortgages. Chase was contacted on this a month ago. I don't have the dates on this. Chase told my bank it would take 15 days. I called Chase last week to complain. 5 days later I get a call from Chase that it was going to take another 15 days because they were going to have to get a third party to do this work. This means it is going to take total of 45 days to get this done. Chase should have been done this 7 to 8 years ago when they bought my mortgage. There is no reason my mortgage with XXXX XXXX XXXX should ever show up unpaid. Chase bought my Mortgage and never marked it paid. My bank told me I could get a Home Equity Loan in 4 to 6 weeks. Now because of Chases mistake it's already been 12 weeks and no loan in site. This is costing me money. I have a contractor waiting .I 'm also going to buy equipment  for my business. My business is shut down until this loan comes through. I have customers waiting. Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
PHH Mortgage acquired a mortgage on a second home from GMAC many years ago. The payments for the mortgage have been made on autopay for many years ( unfortunately, the autopay system I used was discontinued and the switch to a new system caused one payment in XXXX to be about 20 days late, but that's not directly relevant to this complaint ). My condo association has historically been very slow on sending PHH proof of flood insurance and that delay caused them to place a flood insurance policy. That caused them to create an escrow account for that amount, which, in turn, caused them to consider my payments too low, so the payments weren't credited to my account when received. This caused them to consider my payments late and much a report of that to the credit reporting agencies.

It took a long time ( slowed down by COVID-19 issues ) to obtain the flood insurance info from the condo association, but this was  fixed around XX/XX/2020 by their insurance department. They said it would take about 10 days to remove the charges for the placed insurance and eliminate the escrow and then Customer Service would properly apply the payments that were made and notify the credit agencies that this was done.

However, despite exchanging numerous emails, none of the above has been done and as recently as today they claim that I  owe several XXXX dollars in payments. However, those payments were received and in their " suspense '' accounts. 

Unfortunately, COVID-19 is making this situation harder since I'm not at my residence and only receive mail sent there with delays of a couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: T.S. Holdings
State: NV

Complaint narrative:
Last year I co signed an apartment with my cousin she moved out and moved a complete stranger from an ad I asked manager to evict him or ask him to leave they told me no. My cousin spoke to them and they all agreed to get me off the lease I have email from the manager saying she was working on it. Today I started getting phone calls at my job by debt collector threatening me telling me this isnt going away  what am I gon na do I have to pay XXXX saying she has my social and will just garnish wages

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent a dispute letter to Experian a letter on XXXX. I have not gotten a response from them yet. It has been over 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 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I tried to open an account at your bank. I was told I couldnt open it because I was not in one of the states where your bank is located. I was told the account would be closed. {$300.00} was taken out of my account to fund the accounts. I want my money back.

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 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
HSBC CREDIT CARD ending in XXXX now ending in XXXX ; On or about XX/XX/XXXX I received a paper statement showing that the entire credit limit of {$5000.00}. was used. I called and notified HSBC that this was fraud. I had not used my card for anything. The HSBC is a backup emergency card that I do not use. They informed me they would cancel that credit card and send me a new one ; which they did. The letter from HSBC acknowledging the  unauthorized use on my card was dated XX/XX/XXXX with the new card, received on XXXX XXXX or so. I then received a 2nd credit card statement with a balance owing of {$210.00} and a due date ( DD ) of XXXX XXXX, XXXX. I called HSBC fraud team again and informed them that these were not my charges and repeated I had not used my card. They said they would remove these fees and  charges of the $ XXXX fraudulent cash advance. Then I received a 3rd cc statement stating I had an amount owing of {$220.00}, with additional fees and charges on the original and subsequent fraudulent charges, fees, and interest. I called HSBC on Sun,  XX/XX/XXXX and repeated these were not my charges. I was told I would have to call back between M-F XXXX CT. I have called the HSBC fraud team today, XX/XX/XXXX again and asked them to remove these charges. Again they inform me that it will have to be investigated. One fee of {$96.00} was for the check written for the {$5000.00}. How could they even authorized going over my credit  limit of $ XXXX? I am sorry but enough is enough. These are fraudulent charges. Further, HSBC had reported late payments to the Credit Bureaus affecting my credit score and these are not even my charges. How can I get HSBC to stop billing me for fees and charges that are not mine? How can I get HSBC to correct their late payment reporting to the credit bureaus? How can this situation get rectified? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: PA

Complaint narrative:
OneTrust Home Loans has dragged out the loan approval process for months now, with no end in sight. I have applied for a {$260000.00} construction loan, which, after months of delay on the bank 's part, gained initial approval. They then proceeded to get phone numbers wrong, get emails wrong ( once sending my personal financial information to an unknown email address, which hopefully was not used in any bad ways ), continuously asking for items that they had never asked for before, repeatedly making mistakes on Disclosure Forms, repeatedly asking for information that they already received, changing the terms ( interest rate ) of my loan without explanation, ignoring my emails, and not accepting responsibility for any of it. I have taken quite a few mortgages in my time and this has been the worst process I have ever encountered. OneTrust seems to be completely lacking in systems and controls, unable to manage their work flow, unable to fit together all the pieces of a loan application, unwilling to pay attention to the details, and completely out of their league with respect to handling anything other than a straight w-2 single-family conventional mortgage. It is clear why the mortgage  business caused such disruption and turmoil in XX/XX/XXXX/XX/XX/XXXXif  everyone 's system is still as broken as that at OneTrust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: AZ

Complaint narrative:
Hi, I informed XXXX, Transunion and XXXX  that the ( XXXX XXXX XXXX ) XXXX was reporting different across all three credit bureaus. 

XXXX and XXXX  said they verified this information as correct. 
Transunion never responded to my letter I sent. 

I want to remind you its the Credit bureaus responsibility to report 100 percent accurate on the consumer report, Please see the  variables below Date Opened : Transunion : XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  ; XX/XX/XXXX XXXX XXXX : Transunion : {$500.00} XXXX  {$0.00} XXXX  ; {$300.00} Last Reported : Transunion : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  ; XX/XX/XXXX Comments Transunion : Charged off as bad debt Purchased by another lender XXXX  Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX XXXX XXXX XXXX  ; Account transferred or sold Charged off account Date Last Active : Transunion : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  ; XX/XX/XXXX Date of Last Payment Transunion : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   ; XX/XX/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 2020-10-20 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: AZ

Complaint narrative:
Hi, I informed XXXX, XXXX and Equifax that the ( XXXX XXXX XXXX ) XXXX was reporting different across all three credit bureaus. 

XXXX and Equifax said they verified this information as correct. 
XXXX  never responded to my letter I sent. 

I want to remind you its the Credit bureaus responsibility to report 100 percent accurate on the consumer report, Please see the variables below Date Opened : XXXX : XX/XX/XXXX XXXX XX/XX/XXXX Equifax ; XX/XX/XXXX High Credit : XXXX : {$500.00} XXXX {$0.00} Equifax ; {$300.00} Last Reported : XXXX : XX/XX/XXXX XXXX XX/XX/XXXX Equifax ; XX/XX/XXXX Comments XXXX : Charged off as bad debt Purchased by another lender XXXX Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX XXXX XXXX Equifax ; Account transferred or sold Charged off account Date Last Active : XXXX : XX/XX/XXXX XXXX XX/XX/XXXX Equifax ; XX/XX/XXXX Date of Last Payment XXXX : XX/XX/XXXX XXXX XX/XX/XXXX Equifax ; XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: TX

Complaint narrative:
Good day, I am XXXX XXXX XXXX and the reason I am reaching out and writing to complain on TransUnion and their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.

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 2020-10-20 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: CITIBANK, N.A.
State: MD

Complaint narrative:
This account is being re-aged. My credit card account has reported multiple chargeoffs.This item is being reported inaccuratley and not congruent on your credit. Because of this negative reporting, the creditor is attempting to increase credit damage, and coerce payment by making the debt appear newer in age. This is a clear violation and this is hindering my ability to borrow. The " date of last payment '' and " date last active '' are all reporting different dates on all 3 credit bureaus. ( see attached ) Please delete this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: VA

Complaint narrative:
I tried to move money out of my account and Huntington denied it and said it was for security. I had to provide my new banking account information to them to move my money. I provided that information and the person said it was fine. The money moved which was the max I could move at one time. I tried to move more and had the same issue. Huntington is withholding my money, this should be illegal. This is after I jumped through hoops to move my money once. Now, I have to spend more time to move my own money like they own it. They also wouldn't send me proof of my beneficiary which my bank sent confirmation to me in the mail. They do not show proof of peoples beneficiary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: DC

Complaint narrative:
I signed a contract with freedom debt relief in XX/XX/XXXX. By XX/XX/XXXX I have deposited all required amounts into my account to pay off the settlements FDR had negotiated for me with my creditors. I was told by their employee the next week that everything would be payed off and that the only way to stop the bi-weekly deposits to them that were no longer needed was to put a stop payment on my bank account for them. I was told it wouldnt affect my contract and paying things off. 

After a month of no movement, I called and was escalated to a XXXX XXXX who told me their employee has misinformed me ( read : lied to me ) and that until I took the stop payment off of my account that they would not be able to proceed with negotiating lump sums and closing these accounts. 

Freedom debt relief is holding my credit score and future hostage and they continue to lie and no deliver on promises. In a week and  a half, we will be 3 months out from when their employee first lied to me and my account still hasnt been settled and closed. And XXXX XXXX, supervisor, kept refusing to acknowledge that I was outright lied to and it affected my life. She just kept saying sorry you were misinformed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi, I have a Citibank dividend card. The card is no longer available to apply. For years now citibank has wanted me to change the dividend card to another type. I decline the offer every time. On the XXXX of XXXX citibank closes my account citing that I havent used the card since XXXX. I logged in last night and could see the charge I made at XXXX store in XXXX ( I dont remember what date. ) Today when I called customer service stated, we see no charges all the way through XXXX but we do see a payment in XXXX. How does that make any sense? What would I be paying if theres no charges? Oddly enough all my charges disappeared from citibank, and I have no printed statements. I do have the payment I made through my chase checking account which was made XX/XX/XXXX, for the charge I made at XXXX in XXXX to my dividend card. 

Closing of the card affects me in different ways. I know to use all my cards to avoid closures. Closing the card affects my credit score. I  recently refinanced a mortgage and had to buy a car. This is my oldest card going back to around XXXX. I will settle for a product change of the card as long as the account isnt reported as closed. Keep the dividend citibank! 

Again, I could see the charge on my dividend card from XXXX, and now its disappeared. I feel like citibank did whatever it takes to force a closure of the account. Im not sure why they want to get rid of this product to this extreme.

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 2020-10-20 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: CA

Complaint narrative:
I had a loan with XXXX XXXX XXXX XXXX Because of Covid 19 hardship I requested a Forbearance Starting XXXX XXXX and ending on XX/XX/2020. I made the XXXX payment and in XXXX I requested a cancellation of the Forbearance due to the fact that I was refinancing and it was the new Lenders requirement to close the Forbearance before we close the escrow. 

I spoke with a Customer Service Representative and she told me that we had until XX/XX/XXXX to pay the mortgage otherwise we will have late fees and bad credit reporting. I closed escrow for the refinancing on XX/XX/2020 I really need to have this 60 days late payment remove from my credit report ASAP. I am refinancing my second house and I cant do it because of this derogatory payment XXXX XXXX XXXX XXXX has placed in my report. I have the possibility to refinance the house at 1.99 % right now, I am paying {$1800.00} and with the new rate I will pay {$1100.00} the difference is {$710.00} for 360 months will be a total of {$250000.00}, thats the amount of damage that I will sustain if they do not remove this derogatory account. 
To resolve the problem, I would appreciate that XXXX XXXX XXXX remove the 60 days late in my credit report ASAP so I do not have to go to the Court Systems.

Company response to consumer: Closed with explanation