vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Resident typePost office box THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE SOCIAL VARIATIONS DO NOT BELONG TO ME XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: DE

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 BUreaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have a Capital One credit card which is currently subject to a promotional balance transfer rate. 

Capital One statements - unlike any other credit card I have had - do NOT disclose the expiration date of promotional rates. This should be very clear on each monthly statement. The only way to know the DATE that the promotion expires is to call the hotline, or save the terms of the offer. It is not shown on statements, nor when a user logs into the account online. 

This is a recipe for consumers to overlook the date the rates expire and face unnecessary fees because the company conceals this info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2021, I started an allotment with Bank of America for {$560.00}, to go to routing number XXXX account number XXXX. This allotment was for the mortgage for my house that I am pay XXXX. The above information was given to me by the associates at XXXX since they do not have the ability to do allotments. I am a XXXX XXXX and the allotment comes out of my pay through XXXX. I have contacted XXXX several times letting them know that the funds was not going into the intended account because my mortgage had not been paid. So we stopped the allotment. The tracer # for this transaction of {$560.00} is XXXX. XXXX has attempted to work with Bank of America to get those funds returned since they did not go to the intended purpose of paying on the mortgage account at XXXX. The last attempt we made was 2 weeks ago and they stated that due to COVID-19, I may not see those funds. To the bank it might not seem like much, but when I had to switch money around for 3 months to cover bills because they refuse to return the funds makes it a hardship on my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
I submitted an escrow payment as the result of receipt of a NJ property tax reimbursement check issued and sent directly to me as the homeowner to my mortgage servicer, Carrington Mortgage Services , LLC, on XX/XX/XXXX to cover any escrow shortage. However, the excess escrow distribution check was issued to my deceased parents ( the original signatories ), despite the fact that my parents death certificates have been on file with Carrington since XXXX ; Carrington previously confirmed in writing that they determined that I am the Successor in Interest of the property on XX/XX/XXXX. In addition, I assumed the loan and I am borrower on the loan. 

Moreover, prior to submitting the payment, I spoke with a Carrington representative in the Escrow Department, explaining the source of the check and the purpose of the payment, as well as submitted a copy of the letter from the NJ Division of Taxation for Carrington 's review to enable them properly apply the additional escrow payment. 

Nonetheless, after the escrow shortage was applied and a new escrow analysis was completed, the excess escrow disbursement check was issued to my deceased parents despite the fact that Carrington had their death certificates on file and all of the supporting documentation. Moreover, in order to have the disbursement check reissued in my name, I was informed that I would have to wait until 15 days passed from the date of issue of the original check, submit a written request to have the check reissued in my name to the Carrington Research Department, and provide my parents death certificates and supporting document ( proof of Executor of the Estate, probated will, etc. ). 

Additionally, I was advised that every time a new escrow analysis of the mortgage occurs going forward, I would have to provide the information listed above again, otherwise any disbursement check would automatically be issued to the original signatories ( as an extra layer of security and protection ). 

These seems absurd and unacceptable, especially given the finality of the decedents, and the confirmation from Carrington that I am the Successor in Interest of the property. 

I spoke with a Senior Resolution Specialist ( XXXX XXXX ) with Carrington Mortgage Services , LLC on XX/XX/XXXX, who said that he would contact the escrow department and see if there was a possible workaround, as well as inquire if I could be reimburse the {$5.00} processing fee I was charged for submitting the payment on Carrington 's website. However, he said that he couldn't give me any guarantees. Mr. XXXX provided me with an email address to submit my written request to expedite the process. But the email message I sent couldn't be delivered. It bounced back with an error message address not found or unable to receive mail. I don't appreciate the loss and consumption of my time, as well as don't appreciate tying up my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
{$310.00} to Southwest Credit System Equipment returned, picked up at my home XX/XX/XXXX They are currently called XXXX and before signing up for their internet/cable service my previous account was scrutinized by them and there were absolutely no issues in the past or I would have been denied any service with XXXX. In the past XXXX tried to collect a debt that was NOT owed them but took forever for them to admit it. Subsequently this claim is totally bogus and unwarranted. This collection company is out of control and must be reprimanded and never to bother us again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Its a Chase XXXX card. XXXX canceled my membership after they couldn't keep my reservation in Mi during my medical procedure. I had to reschedule procedure for 1week later and booked on the fly at a few hotels using points from new card and funds. Paying out of pocket. My accumulated points after procedure were taken and membership canceled. I had a XXXX event within 45days thereafter and have been in and out of hospital. Im XXXX and am being charged annually by XXXX for a membership i don't have and a point program which ive never received proper cash back or points for ( gas grocery travel bills ). Ive discussed this with Chase who say they can do nothing however i wish to be reimbursed the annual fee since it hasn't applied to me. Im XXXX XXXXXXXX member and have never been treated so poorly. This would be FRAUD against a XXXX person. Ive paid my bill and have never been late and paid above amount due. The balance is ALWAYS wrong on credit. I don't use card often, my daughter added my payments and use and feels the balance is lower and they're taking advantage. Please assist and address these issues. Its been stressful dealing with this, worrying about it. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: NY

Complaint narrative:
This is head up that US Bank Vertification informed that I need to give them an complete physical address which is XXXX XXXX XXXX, XXXX  XXXX, XXXX, NY XXXX I have right to choice my mailing address many business and including U.S. Bank uses po box to recieved they mail and I should also I should not be required to apply with another the United States Post Office is an physical address and the United States assigned Zip Code and Zoning in the United States and they treated me and Civilians as establish Immigrant in the United States XXXX Vertification Number select Option 1 Thank you for applying for a Secured Credit Card. 
We received your application on XX/XX/21. Your application ID is XXXX. 

Were in the process of reviewing your application and will notify you as soon as its complete. If you didnt authorize this request, please call us right away at XXXX ( XXXX ). 
Thank you for choosing U.S. Bank. 


Need assistance? 
Schedule an appointment with a banker at your local branch, visit XXXX online at usbank.com or call U.S. Bank XXXX Banking at XXXX ( XXXX ). 
Log in now >

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 2021-08-23 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: NC

Complaint narrative:
My student loan account for XXXX XXXX is showing multiple late payments when it shouldn't. I sent all 3 credit bureaus proof of all my forbearance dates and they are still reporting late. There should be no late payments on this account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
in XX/XX/XXXX I noticed the checking account was hacked. This was an account that was just collecting interest for years. I did not start monitoring the account until mom brought this to my attention. I closed the account in XXXX XXXX the account was hacked from XX/XX/XXXX to XX/XX/XXXX. Chase went all the way back to XXXX XXXX they haver a disclaimer stating that they only covered the first 60 days.my problem is the fact that the bulk of the money hacked was between XXXX and XXXX XXXXthe amount in question is over XXXX the account was hacked through XXXX XXXX In XXXX of XXXX XXXX XXXX sent me a letter stating they would return the money taken in XXXX but Chase would have to agree and. they did not. i enclosed paperwork that substantiates my claim. I hope you can assist because this was a joint account with my mom who passed away XX/XX/XXXX. Any assistance will be greatly appreciated. thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MN

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: DE

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Regarding case not miner : XXXX Im not the third party I am the consumer asking for the information to be removed.

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 2021-08-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In mid XX/XX/2021, Citibank ( Home Depot ) was alerted to a spectacular failure on a third party order to XXXX XXXX XXXX XXXX delivered windows and a door to two job sites which had an eight-five ( 85 % ) percent failure rate in operation and wood workmanship. XXXX was called in to assess remediation immediately following installation of windows delivered in multiple shipments in late XXXX in XXXX XXXX, CA. XXXX decided that three of the large window frames and one medium sized frame should be rebuilt! XXXX said it would repair the other defective medium and smaller window frames. XXXX later backed out of making these repairs. This resulted in my request for a full refund with some compensation for our installation costs of a severely failed window order for a two-story home and a second remote building. 

Having alerted Citibank for a full refund for their portion of the charge on my Home Depot credit card of {$20000.00} out of {$28000.00} and receiving an acknowledgement letter on XX/XX/2021 of my disputed charge. Citibank proceed to not record this dispute on my XX/XX/2021 statement, as required by law. Citibank claimed that it had not had enough time to do so. Their representatives claimed that they needed seven ( 7 ) to ten ( 10 ) days following the notice of the dispute to do this. This is a false statement. Even if one took this comment at its face value, Citibank would still have had an additional three more business days with which to place a notice of the existence of my dispute with XXXX XXXX via XXXX XXXX on my XX/XX/2021 statement. Citibank failed to act in timely manner to post the existence of my dispute, as required by law. 

There is also an no indication that Citibank is addressing this dispute in a timely manner or at all. As you may infer, there is another credit company involved in this dispute which immediately posted the presence of my dispute and sought additional information from me. This other company is nearing placing my charge back refund on my account in the next few days, likely this week or before the end of XX/XX/2021. Citibank has without due diligence in my dispute. Thus, I am seeking assistance to compel Citibank to correct my erroneous XX/XX/2021 statement and accelerate looking into and resolving my legitimate refund charge back request.

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 2021-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX  XXXX XXXX, During the time my loan was in deferment I was reported to the credit bureaus that was late on payments. I had to call the company and straighten it out each time. I had to dispute this through the credit bureaus because they took forever to correct this issue. This would happen XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now again XX/XX/XXXX. I am making a complain now because I started paying on my loans in XXXX and was current. My mother the cosigner is in the process of purchasing a property. I called immediately to rectify this with the company to say I am current and this needs to be fixed immediately because you are going to cost my mother a loan. The customer service stated that he didnt see that they reported anything on my account, I had to take a screen shot of my credit and send it to him proving that they did report a 30 day late on my credit. My mothers credit went down 90 points. I have been calling for updates and keeps getting the run around. Its almost been a month and still no change.

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 2021-08-23 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: California Business Bureau, Inc.
State: CA

Complaint narrative:
A few months ago I took a look at my credit report and found inaccurate information on it. One of them was a collection account from California Business Bureau. So on XX/XX/2021 I sent out a letter to them asking them to validate this account and to send me proof of the debt. I wanted them to send me proof that the debt was mine. However, in XX/XX/2021, they wrote a letter back stating, " there is no basis in law to substantiate your right to such information ... there is no duty to comply ''. I find this hard to believe since there are laws regarding this. I wrote to them again, however, I am submitting a complaint here because I do not want to be lied to by this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Information sent in to credit bureau on XX/XX/2021. The bureau has yet to respond or take action in removing the items from my 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