vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax portal to log into personal account to check status does not allow for login or creation of account for personal use, access to credit reports. I have requested this air in their system be corrected on multiple occasions over multiple months with no results always ending with the same closing of the complaint and requesting identification documents emailed. Documents were mailed mini months ago and confirmed by Equifax as being received and legible, no effect on updating my account problems. In the past I was able to log into my previously created account which they said they had to delete and start over again to fix the problem. They attempted to complete the registration process on their end for me and failed, escalating to the next investigation team. Currently if I try to login to my Equifax account, I get an error that I'm entering the wrong password. If I do a password help reset, the air says the account does not exist. If I try to open a new account it says the account already exists and I should login. This is an endless loop of nowhere and they've received all information required by me long ago. Then simply request it again and close my case. To square one with nothing functioning correctly for a year now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 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: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
Had a mortgage through Pennymac. Long story short... I went through a very XXXX divorce from my ex. I suggested to the judge to award him the home and he was to have it refinanced. I moved out of the house in XXXX. I have HARD, SOLID proof that the FIRST date of delinquency on this loan was in XXXX of XXXX, yet after having disputed this with XXXX and Pennymac - NUMEROUS times ; I have yet to get a clear, concise resolution as to why they are still listing the first date of delinquency as XX/XX/XXXX. I was unaware of anything that had taken place on this loan because I had moved out and had no communication with my ex. My professional career is contingent on my credit history. I can not understand how I have proof of the first delinquency date, THAT I SENT TO THEM, and yet it still shows on my XXXX credit report. XXXX is the only bureau still reporting this and Pennymac is not helping - in the aspect of accepting my HARD proof as evidence that the information is absolutely incorrect. I've written both companies and to no avail had any progression. I want the CFPB to investigate it. It is causing me financial and personal stress. I just want Pennymac XXXX XXXX to be responsible enough to admit that the information they're reporting is in fact INCORRECT & AN UNFAIR PRACTICE and to FIX IT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: CO

Complaint narrative:
Hi, I see a XXXX XXXXXXXX account was opened in XXXX XXXX Texas under my name. It was sent to Credit Systems INTL collections for the amount of {$190.00}. 

I did not open that account. I live in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXXXXXX  Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
This is my third complaint and Fifth Third has failed to specifically address any of my concerns. They have failed to provide the appropriate information, and the specialist that has been assigned to either complaint has never reached out to correct this issue or has never once returned my calls. I will continue to make these complaints and unfortunately file a lawsuit to recover the funds that were removed from my account without my authorization or consent. They provided one document that was from XX/XX/XXXX and was rescinded in XX/XX/XXXX. This complaint will be addressed and I will receive the customer service that should be an acceptable standard. I am not asking for anything other than what Fifth Third stated in their initial document that nothing would change from my old mortgage holder and that the conditions would remain the same. Nothing is further from the truth. Fifth Third has completely mishandled my account and provided horrible customer service when I brought to their attention that they failed to pay my taxes and instead issued an escrow overage check, which snowballed into a financial downfall that I have not recovered from yet. Then they withdrew funds from my account two times without authorization. I was making one-time payments from XX/XX/XXXX until I paid the account in full in XX/XX/XXXX. These actions by Fifth Third further caused me financial hardship. I look forward to actually hearing from a human that will correct these mistakes. I also have audio recordings from every interaction with the company. I also have video recordings of every one-time payment made from XX/XX/XXXX forward. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

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 2023-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Ok so it's technically not about my mortgage as it is my mortgage company. The mortgage company is Newrez ( Shell point ). The issue is that my mortgage company will not release my insurance claim funds. On XX/XX/XXXX I contacted my mortgage company about releasing the insurance claim funds in order to pay my roofer for the work they had done. The insurance claim is from last year 's hurricane ( Ian ). The insurance company had finally issued me the check on XX/XX/2023 in order to do repairs. The check however was in both my name and the mortgage co name. I called the on XX/XX/XXXX to see if they had the insurance claim funds and could they release these funds to pay said contractor. They informed me that I need to fill out paperwork that we NEVER received, then once the paperwork was completed an inspection needed to be done and then after all that they would disperse some funds. I asked them if I payed off my entire mortgage would I get the money sooner. A representative in the Lost draft department told my wife and I that..Yes if I paid off the mortgage, they would release all the funds and I would have them in 3 days. On XX/XX/XXXX, I paid off my mortgage and received a copy of My Acknowledgement form from them that the mortgage is closed. On XX/XX/XXXX, I called them back and asked them when my insurance claim funds would be released since they no longer have a vested interest in this property. Needless to say I was bounced around from department to department for over 4 hours and stating that it was not their department that handles that. I continued to call every day since then including yesterday XX/XX/XXXX. Customer Service is now telling me that it will take 30 days for the funds to be released. I explained to them again that these funds had nothing to do with my actual mortgage ( which was paid in full ) and that these funds were for repairs, also at this time with them not having a vested interest in this property that the funds should be released immediately. I don't think they should be holding onto my insurance claim checks since they no longer hold a mortgage to my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BCG Equities, LLC
State: IL

Complaint narrative:
I payed of an auto debt on XX/XX/XXXX. Before that XXXX XXXX XXXX  who was hired by BCG Equities LLC threatened to garnish my wages and even reached out to my employer on several occasions. I tried negotiating with XXXX and between them being rude and yelling at me it was not getting anywhere. Since I paid the debt off in XXXX I have been trying to retrieve the title to the XXXX XXXX XXXX. XXXX lXXXX XXXX would not give me any information on how to retrieve the title and by mid XXXX I had found out about BCG Equities and was able to find there contact number. Since XXXX I have called them every other week looking for my title and they kept telling me that they were processing it and should be soon at getting it. Yesterday I got a court document in the mail that released the lean from the car signed by the judge, but still no title. I called BCG Equities today and they said that is the best they could do and they did not know where the title was at and that I needed to go to the DMV to file for a lost title when I was not the one that lost it mind you. I explained to him that I would have to pay extra money for this and that I had already paid them for the tags, title, taxes, his response was that's the best I can do. They went in front of a judge trying to get money back on a car that they did not even have documents for, I do not understand how this is legal for them to do this to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
THIS COLLECTION ACCOUNT DOES NOT BELONG TO ME AND SHOULD BE DELETED FROM MY CONSUMER REPORT. THESE INQUIRES WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
We were the victims of check fraud. Truist bank posted the fraudulent check to our account, and then a few days later rescinded the money. We were not aware of the fact that the check was fraudulent. We became aware after the funds were posted and we made a XXXX transfer as part of hiring for a job application. Once the funds were transferred, the contact person with the company began asking things from us that shot up many red flags. 

We immediately went to the bank and to the police. A fraud investigation was launched, and that account was frozen, for obvious reasons. However, we had a mortgage payment coming due in a couple of days, a payment that is on auto draft, so I had to borrow money from my mother to make our payment for the month due to all of this and the missing funds. I deposited the money into our other checking account, the one specifically for bill payments and the one unaffected by the fraud case. 

After depositing the money, Truist closed all of my accounts without notice, canceled my cards, and caused my mortgage payment to bounce. Now my account is closed, no anticipated timeframe for when the issue will be resolved, and they are unwilling to help me to make my mortgage payment. I am in a position where I will be delinquent on my house payment and possibly lose my home due to them confiscating my account and my funds. 

We are victims of fraud, and I had confidence that Truist would stand by me after all these 12 years with them, however instead they have closed my accounts and are kicking us to the curb.

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 2023-07-06 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: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have been a victim of cybertheft. as the consumer i sent over conditional acceptance i never received written correspondence as i requested, which is violation under the ( FCRA ).

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 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I received a letter from XXXX XXXX informing me that I had a credit card. At the time I did not question the legal ramifications behind it. I later found out that I was not the person who applied for the credit card. After some investigating I discovered it was my niece who applied for the card. I tried to inform the company but they told me I was responsible for these charges. I have applied for credit cards in the past and have always been denied. The only reason that this application was approved is that my niece used her job as proof of income. I have never lived at the address the credit card was originally sent. Nor have I ever worked at Understanding XXXX XXXX or XXXX XXXX. Now Portfolio Recovery is trying to collect on this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-07-07 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: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Kindly remove all late payments on my account. I have paid my balance and current. This is affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Long time ago I would made a lot disputes with my credit card. Chase Bank employee who was female years ago made a verbal threat that my account would be closed because the amount disputes I made. 

Since then I had noticed chase bank has been aggressive with me when filling dispute in which they force you on not disputing by stating you have no " dispute rights. '' I had multiple times called and always obtained the same answer that wouldn't dispute against the merchant. 

Today I reached out chase to dispute about a chain that became discolored and food that wrong given to me. 

The first agent was attempting to proceed it but the system made her reach the dispute department for both. 

Again I knew they were going to say no so I was transferred to disputed department. At first the employee accepted to dispute the first item which was the gold chain which I didn't contact the customer who is in different country. Meanwhile for the food she wouldn't the dispute because " charge was valid. '' In other words I stated you can go to home Depot and buy a washer machine and it's broken and you can't get your money back. She didn't like my response. 

I confronted that the first colleague was going to dispute but your not doing so and she stated well I have training. I asked what training did you receive that she didn't? I asked what department is this and is like a high risk department? She didn't like the fact I was asking questions and made sarcastic remarks. 

I asked for documentation for the banks policy on regulation e for dispute and was told to XXXX it. 

At the end of the conversation she didn't dispute the gold chain while contradicting herself when she said yes at first. She then shuts the phone on my face which was not professional on behalf of chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I received a Checking account statement in the mail from TD Bank. Someone fraudulently opened an account in my name on XX/XX/23. No transactions have been made in the account.

Company response to consumer: Closed with non-monetary relief