vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Credit bureaus are not updating information from creditors in a timely manner nor scores are updating even after on time paid accounts with decreasing in balance. I dont feel Im being credited fairly for payment performance to creditors. I feel this is some type of credit discrimination. We the people count on these credit bureaus to update an be accurate In a timely manner. Disputes are going unnoticed as well. Please ensure the credit reporting agencies are doing their job in a fair way towards consumers. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit bureaus are not updating information from creditors in a timely manner nor scores are updating even after on time paid accounts with decreasing in balance. I dont feel Im being credited fairly for payment performance to creditors. I feel this is some type of credit discrimination. We the people count on these credit bureaus to update an be accurate In a timely manner. Disputes are going unnoticed as well. Please ensure the credit reporting agencies are doing their job in a fair way towards consumers. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I learned that my checking account with Bank of America was overdrawn. As a result, I was charged at total of {$140.00} in overdraft fees. I've banked with BofA for 2 decades so, I called them first thing the morning of XX/XX/XXXX and explained to them what caused the error and that I would fit it today. I rarely ever had any overdraft fees. I asked them to refund the fees as times are very hard right now. Instead of refunding me the full {$140.00}, Bank of America would only refund {$35.00}. This is such a disheartening and disgraceful response from a bank that repeatedly reaps the benefits from Federal assistance during COVID-19 and they make all these grand statements about how they are " here to help customers '' during this time.

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 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Acra Intermediate Holdings, LLC
State: FL

Complaint narrative:
Made my full payments up to XX/XX/XXXX. The full XXXX payment was wired to Citadel.This payment was for principal & interest, but instead Citadel applied part of payment to late charges without my consent leaving the payment short. I spoke to a supervisor who said she reversed the payment making my account current thru XXXX. I then applied for a 3 month mortgage assistance for XXXX, XXXX and XXXX. I expect my next payment to be due XX/XX/XXXX. This is just a deferral of my payments not forgiveness. Citadel said they would place the 3 month payments at the back of the loan. I spoke to Citadel on XX/XX/XXXX and the payment had not been reversed as the supervisor had told me. They told me i was due for XXXX & XXXX, XXXX. This is totally incorrect and needs to be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I will not link my account to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have a nearly perfect credit record on all 3 credit bureau reports. The only blemish is one late payment on my Ocwen mortgage listed in my XXXX and XXXX accounts. First, I never had a late payment. Second, When I closed my account with Ocwen during XX/XX/XXXX, I had no late payments reflected. Third, three years after my account was closed, paid in full with no late payments, Ocwen reported my last payment on my account as 30 days late? They entered this update during XX/XX/XXXX, like it was a recent missed payment on my XXXX   and XXXX account. I mailed Ocwen with documentation twice, and twice they never answered my correspondence, even though they are required to send me a reply within 30 days of receipt. I have proof of receipt with a signature for both letters and background documents that I sent. I have also tried to correct with XXXX and XXXX, but their response has been that Ocwen verified that the information is correct. In both cases, XXXX  and XXXX  did not explain how they completed the reservation or who they talked with at Ocwen. 
All I want is an answer back from Ocwen : if this complaint doesn't work, I will hire a lawyer and sue them under the FCRA. 
Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: CORELOGIC INC
State: PA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 Credco XX/XX/2019 I dont recognize these inquiries and did not authorize none of these companies to run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: Phillips & Cohen Associates, Ltd.
State: TX

Complaint narrative:
I have an account with XXXX XXXX that was in collections with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I paid a settlement amount of {$630.00} to them to settle out the account ( Ref # XXXX ). My representative is Mr. XXXX XXXX at extension XXXX. I paid this amount on XX/XX/XXXXand they were supposed to report this as settled but they just took it off the existing amount and failed to settle the account. I spoke to Mr. XXXX on five different occasions to solve this issue but they are refusing to do so. I have a letter from Mr. XXXX that in fact shows the account is settled but the credit bureaus will not update it as settled but they continue to show a remaining balance. I have disputed this with them at least 5 times but it still comes back each time as verified as accurate but it is not accurate. When you call XXXX XXXX to speak to someone about the account on their end it refers back to XXXX XXXX XXXX XXXX XXXX and back to Mr. XXXX. I am sick of this run around and I need them to settle this account which I have already paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: TX

Complaint narrative:
I have an account with XXXX XXXX that was in collections with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I paid a settlement amount of {$630.00} to them to settle out the account ( Ref # XXXX ). My representative is Mr. XXXX XXXX at extension XXXX. I paid this amount on XX/XX/XXXX and they were supposed to report this as settled but they just took it off the existing amount and failed to settle the account. I spoke to Mr. XXXX on five different occasions to solve this issue but they are refusing to do so. I have a letter from Mr. XXXX that in fact shows the account is settled but the credit bureaus will not update it as settled but they continue to show a remaining balance. I have disputed this with them at least 5 times but it still comes back each time as verified as accurate but it is not accurate. When you call XXXX XXXX to speak to someone about the account on their end it refers back to XXXX XXXX XXXX XXXX XXXX and back to Mr. XXXX. I am sick of this run around and I need them to settle this account which I have already paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: TX

Complaint narrative:
I have an account with XXXX XXXX that was in collections with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I paid a settlement amount of {$630.00} to them to settle out the account ( Ref # XXXX ). My representative is Mr. XXXX XXXX at extension XXXX. I paid this amount on XX/XX/XXXXand they were supposed to report this as settled but they just took it off the existing amount and failed to settle the account. I spoke to Mr. XXXX on five different occasions to solve this issue but they are refusing to do so. I have a letter from Mr. XXXX that in fact shows the account is settled but the credit bureaus will not update it as settled but they continue to show a remaining balance. I have disputed this with them at least 5 times but it still comes back each time as verified as accurate but it is not accurate. When you call XXXX XXXX to speak to someone about the account on their end it refers back to XXXX XXXX XXXX XXXX XXXX and back to Mr. XXXX. I am sick of this run around and I need them to settle this account which I have already paid for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently received an email from Capital One that they were closing a credit card account I held with them due to inactivity. I immediately called them to inquire why I was not given any advance notice or an opportunity to remedy the situation and to request that the account be reinstated as it is my oldest card and I was maintaining it for that reason. I said I'd be happy to use the card, but was told repeatedly that once that decision was made there was no recourse, but I was welcome to apply for another Capital One card. In these current times of uncertainty the loss of purchasing power and the impact to my credit score will be somewhere between significant and enormous as I am  about to refinance my house. I have called them at least two more times subsequent to the first call and have gotten the same response. This arbitrary and capricious decision has undermined my trust in Capital One and has had, and will continue to have, negative impacts on my financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened the a savings account online with Chase bank and funded it ( {$300.00} ) within the minimum time frame to avoid a monthly fee. However, for the last three months, Chase has assessed a {$5.00} maintenance fee. I've had to call them to get it refunded only to be charged the following month as the average daily balance was not {$300.00}. The average daily balance was NOT {$300.00} because of the fee assessed incorrectly by Chase. This is an endless cycle. I'm assured every month it won't happen again but yet is continues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: MS

Complaint narrative:
Today XX/XX/2020 I asked to be included in the hardship repayment program at kroger rewards world mastercard and I was turned down even though I am XXXX and very low income. They said I had to be overdue or negligent to qualify. I try to pay what I can. I do not believe this is fair since I am XXXX and low income.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2020 at approx. XXXX a representative ( XXXX ) claiming to be with XXXX XXXX  card services called me and stated they were going to transfer balances from my credit cards to another to save me interest. I asked how he received my information and he explained because I was already a customer with a good payment history XXXX and was prepared to reduce my monthly bills to keep from losing me as a customer. He stated since the COVID 19 pandemic other customers were filing bankruptcies and wanted to ensure my payments were manageable. He ( XXXX ) had all my credit card information at hand and seemed legit. Long story short, after numerous questions from me concerned about this call being potential fraud and do not pull a credit report. Sure enough before we hung up the phone an alert for hard inquiry from CBNA via my XXXX account popped up on my phone. When questioned about the alert the representative said I would receive a letter or could call CBNA to dispute and told me to have a good day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
XXXX XXXX XXXX  XX/XX/2019 Exeter Fin XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 I dont recognize these inquiries and did not authorize none of these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 Citizens one XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 I dont recognize these inquiries and did not authorize none of these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The complaint entered into a contract agreement with wellsfargodealerservices for finance of an automobile on or about XX/XX/2011. 

The complainant was financially offset after a financial institution wellsfargodealerservices place collateral protection insurance on his loan which offset him tremendously where he was forced out of his homestead and dwelling and later filed bankruptcy which discharged the debt under chapter XXXX of the bankruptcy code. 

The complainant, whom is a XXXX veteran of the US Armed forces, was living as a XXXX   person and during the time of a heatwave, the finance company repossessed his vehicle prior to him filing bankruptcy and that the cause for repossession was due to being offset financially by the lendong institution placing overlapping collateral protection insurance in addition to the monthly installments of the loan and without consent, resulting in a magnification of the monthly installments creating a ripple effect of collateral damages and economic losses, past and future, to include loss ( 3 ) of businesses. 

The complainant received an affidavit of fact where Wells Fargo dealer services denied any involvement of fraudulent act, but notified the complainant 5 years later that the loan balance in amount was offset due to fraudulent acts of deceptive business practices of the lender who has now given notice that those deceptive Acts was common with their customers and are being held liable for all expenses acquired collaterally and economically past and future however have been receiving reluctance from Wells Fargo dealer services who have been slow in severance of all damages as claims post to bankruptcy. 

Attached to this complaint is an affidavit of fact which proves that the acts of the financial institution were deceptive and that efforts to sever this claim post to a class action lawsuit are underway however have been enigmatically hindered although supporting documentation deeming them lawfully liable for all damages and injuries as claimed is being downplayed or ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC
State: RI

Complaint narrative:
Quicken Loans continues to call, email and text me incessantly all hours and days of the week to my personal cell phone as well as work to the extent that I have had to block their numbers however they contact me from different phone numbers. I have continuously informed them I am not interested in refinancing at this time. In an attempt to get them to stop contacting me, I spoke to a representative who pressured me into pulling my credit report which I was not comfortable with only to be told it might not be in my best interest to refinance at this time as I already had a great rate. I feel like they are soliciting and harassing me for their own personal gain and incentive. After this I requested to stop being contact and continue to do so. I am upset my credit was pulled without my genuine agreement and I want this harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: TX

Complaint narrative:
address names and employment all ftc violation will list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. 


job : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Hello - My credit score is showing that i a ding on it for over XXXX from a house that i sold in XX/XX/2017. This needs to be completed asap as it is effecting my over all credit score. This attachments are listed with the name of the company that handled my paper work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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:
address names and employment all ftc violation will list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX names : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. 


job : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: TX

Complaint narrative:
address names and employment all ftc violation will list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX names : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. 


job : 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