vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/2021 XXXX took an unauthorized payment from my BMO Harris checking account. Causing my account to appear negative {$360.00} including the {$36.00} over draft fee. Now the defamatory implication to my credit history as am attempt is on line. I only encounter these types of banking issues when there is a third party form of unprofessionalism and technological distorted abuse as practice making or showing an unfair or prejudicial distinction between different categories of people or things. I have been in contact with XXXX since Monday XX/XX/2021 I was told it takes 1-2 days to reverse it is now Wednesday the XXXX day. Today I put a dispute in to BMO Harris professional XXXX and they are now only waving 50 % of the over draft fee. This is not acceptable professionalism. He contacted his manager XXXX and still no resolve. I am disheartened by this attempt to defame my creditability and feel the disparity. Please resolve

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 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
My fianc and I applied for a refinance with NewRez and were conditionally preapproved. Our Mortgage Consultant established communication with us and the Mortgage Loan Processor on XX/XX/2021. The Processor had questions in her XX/XX/2021 email, which were answered the same day. 

After getting no information, I reached out to the Consultant and Processor on XX/XX/2021. The Consultant responded on XX/XX/2021, with a question about student loan consolidation. The Consultant also emailed on XX/XX/2021 with a question. I responded to both the XX/XX/XXXX and XX/XX/XXXX questions in a XX/XX/2021 email. 

We did not receive any other communication from NewRez. I emailed the Processor and Consultant on XX/XX/2021, asking about the status of our refinance. On XX/XX/2021, the Processor emailed us and said the loan was declined, and we should reach out to the Consultant directly.

We did not receive any communication from New Rez for over three weeks, and did not receive an adverse action letter. The lack of communication from NewRez is inexcusable. The actions we've been taking impact our credit and our rate options and refinancing timeline elsewhere, and NewRez hasn't even given us the courtesy of basic communication. I'm disgusted that even after this declined refinance, NewRez is still our loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have been a victim of identity fraud and have filed a police report. I have been trying to get the PayPal inquiry off of my XXXX report for months now. I keep getting the run around from XXXX and was told to report the issue to CFPB. I have attached a print screen shot of the inquiry showing in my credit report. 

Date : XX/XX/21 PayPal Inquiry

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 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelson Cruz & Associates LLC
State: OH

Complaint narrative:
The original debt of {$250.00} was through XXXX XXXX, which sent it to XXXX XXXX XXXX 's collection agency, I then paid it to them XX/XX/XXXX. Therefore the account was paid in full. 

Now, this collection agency : Nelson Cruz,XXXX  XXXX XXXX , XXXX XXXX XXXX , TX XXXX M-F XXXX CST Customer Support ( XXXX ) XXXX Has recently reported this account as delinquent to the credit bureau which causing my credit score to decrease by 32 points. I am in the process of trying to buy my home. 
I have contacted them by phone on XX/XX/XXXX, after noticing the change in my credit report. Also by e-mail on XX/XX/XXXX. XXXX, I sent them a copy of my receipt too. However, on XX/XX/XXXX, the collection agency flagged the account in the credit bureaus. Also, they started the account was open in XX/XX/XXXX. Which is false information being reported too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I am enclosing all documents. 
Case # XXXX Date of Reservation : XX/XX/2021 Merchant XXXX Sales and Capital One. Amount of transaction {$570.00} Refund Booking # XXXX On XXXX XXXX I reserved a car thru XXXX in my sisters name XXXX XXXX, she was traveling with my mother XXXX XXXX a hospice patient. In flight my mother ran out of oxygen in flight and could not fly. I called XXXX to cancel this reservation because my sister said she didn't think my mom could travel. My sister is her caretaker and a LPN. She stated that the her oxygen equipment was faulty. When I called XXXX and explained the situation they sent me a notice of how to get a refund. I followed what they told me. I called my credit card company and started a dispute just in case. Next when I sent XXXX information they asked for they would not accept it. I then sent it to Capital One and they would not accept it and sent me a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX an XXXX XXXX XXXX was started at XXXX XXXX XXXX, XXXX, XXXX. Account was closed on XX/XX/XXXX with an balance of 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 2021-04-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
I pulled a credit report on XXXX and notices a credit card for {$10000.00} was opened in my name under USAA Savings Bank. It was opened under XXXX XXXX XXXX my name is XXXX XXXX. The account was opened XXXX. 

I spoke to USAA ( XXXX ) and they reported the account as fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14 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: PA

Complaint narrative:
There are a few accounts on my credit report showing late payments that I don't believe I was ever truly late on! I disputed this with the bureaus on XX/XX/XXXX to try to remove these or even get clarification from the bureaus/creditors why they were reporting me late. I never received any communication from anyone so I attempted again on XX/XX/XXXX. Once again, still no responses or communications from anyone. So now I am filing this complaint because I do find it hard to believe that the bureaus wouldn't communicate with me in 4 months. This is hindering my future immensely!

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 2021-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
Regions Bank Teller withdrew {$2000.00} dollars from my saving Account At the XXXX Branch XX/XX/2020 without my knowledge. And the bank claim to have a video of tranaction of me doing so, the bank want produce the video. so I filed a fraud complain with the banks fraud department. also filed a police report with the XXXX police department.

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 2021-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Someone applied for a loan through XXXX XXXX XXXX on XX/XX/2021 which affected my credit score. The company called to question this and declined the loan but it still dropped my credit score. I want it removed 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 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a mortgage with Guaranteed Rate who I paid off on XX/XX/2021. Guaranteed Rate sold my mortgage to JP Morgan Chase and sent them the payoff on XX/XX/2021. Chase is asking me why I am not paying my Mortgage I have explained and sent them the transfer paperwork from Guaranteed but they keep telling me to wait and call back. Chase calls me about 3 times a week about payment even though I have proven the payoff. It has come to a point that my credit is being threatened. I don't know what else to do. Guaranteed Rate will do nothing even though I told them that they were the company i was dealing with. They tell me that it is not their problem

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There are a few accounts on my credit report showing late payments that I don't believe I was ever truly late on! I disputed this with the bureaus on XX/XX/XXXX to try to remove these or even get clarification from the bureaus/creditors why they were reporting me late. I never received any communication from anyone so I attempted again on XX/XX/XXXX. Once again, still no responses or communications from anyone. So now I am filing this complaint because I do find it hard to believe that the bureaus wouldn't communicate with me in 4 months. This is hindering my future immensely!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are a few accounts on my credit report showing late payments that I don't believe I was ever truly late on! I disputed this with the bureaus on XX/XX/XXXX to try to remove these or even get clarification from the bureaus/creditors why they were reporting me late. I never received any communication from anyone so I attempted again on XX/XX/XXXX. Once again, still no responses or communications from anyone. So now I am filing this complaint because I do find it hard to believe that the bureaus wouldn't communicate with me in 4 months. This is hindering my future immensely!

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 2021-04-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My father passed away in XX/XX/XXXX. He had 3 CD 's with Capitol One. I do not have the amounts as the accounts are to be split 4 ways. I emailed the requested Letter of Instruction along with a copy of my driver 's license on XX/XX/XXXX. As I had not received any funds as of XX/XX/XXXX and my siblings had, I attempted to call them to obtain a status and was told the Bank Estate Operations department did not have phones. I was instructed to email them which I did on XX/XX/XXXX. I emailed them again on XX/XX/XXXX and resent the requested documentation in the event they had not received it the first time. The only response I have received is an automated email stating they received the email. I have not received any other communication nor have I received any of the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
As of XX/XX/2020, I have sent monthly letters to XXXX XXXX XXXX  asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that XXXX XXXX XXXX to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: TX

Complaint narrative:
I believe company Chime Financial XXXX XXXX XXXX XXXX XXXX is sending out unsolicited debit cards. 

Received a card on Monday XX/XX/XXXX. I immediately thought I had my identity stolen. After some online investigation it appears that this is really common for Chime. 

I should also point out that all of my credit reporting services have been locked. So if this was a valid request a credit pull would have failed and the account denied. 

It appears the only way to close this random account is to go through an email only process. This furthers my suspicion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I followed links from CFPB to Transunion to get a free copy of my credit report, which I now have. Somewhere in the process they signed me up for some sort of ongoing service and charged my credit card {$26.00}. I cancelled the resulting subscription as soon as I became aware that they took my money. 

I was not shown a price, they asked for the credit card info which I furnished, but was never told I was buying anything.

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 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: SD

Complaint narrative:
My lender keeps on closing my application without reviewing it. I submitted the application and next thing I know it was already closed. I submitted another one and closed the application again. I have been trying to work with my lender but they are refusing to help me by reviewing my application for loss mitigation/ loan modification. please help me save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: NY

Complaint narrative:
Attention to the consumer reporting agencies. XXXX, XXXX  and Equifax. I am a victim of the Equifax data breach and my information has been compromised. I am a victim of Identity theft. I submitted a complaint before to you guys but didn't get any response. I have provided proof of my Identity which is a photo of my passport. I have provided the Identity theft report with the Federal Trade commission. I also have a notarized letter as well that I will upload. I have not received any benefit from these fraudulent accounts or money. All I have is a ruined credit score. I beg you to help me out. I am trying to move on with my house and live the american dream. I submitted the documents below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC
State: MO

Complaint narrative:
On or about XX/XX/XXXX I contacted Law Firm XXXX XXXX XXXX  as I owed a debt from a judgment in my county court in an attempt to settle said debt as I was selling my house keeping in mind I had already settled other debts with other law firms for lesser amounts however this firm contacted thier client Personal Finance now Mariner Finance with the offer I gave they wanted all my personal info date of sale, where I work, how much I'm getting out of sale, who the buyers were, etc kinda hippa violations really, then Personal Finance now Mariner Finance since they knew my house was being sold came back and said no they want all that's owed and did so during a nation pandemic COVID-19 when my family is hurting and I'm on unemployment such a shame how Personal Finance now Mariner Finance treats people do not use them!!! Go to better loan companies!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Happy Money, Inc.
State: WI

Complaint narrative:
I opened a loan with Payoff loans. I paid the loan bi-monthly. Payoff misapplied loans and caused the account to look as if payment was 30-59 days late. This caused my credit score to drop 89 points. I contacted XXXX and they corrected the problem. I paid the balance in full in XXXX 2021.The account is closed.

The problem is Payoff is reporting incorrectly AFTER this was reported incorrectly in XXXX and corrected by XXXX Last week, Payoff reported this account that has been closed since XXXX past due AGAIN with XXXX I had to file another dispute with XXXX  for the same issue. This is impacting my credit score and preventing me from securing credit elsewhere. How many times do I have to watch my score boomerang

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: TRUIST FINANCIAL CORPORATION
State: OK

Complaint narrative:
SunTrust violated the CARES Act modifications to the FCRA by reporting the loan 180+ days delinquent after granting an accommodation. The CARES Act accommodation was granted for the XX/XX/XXXX payment and scheduled for six months. Repayments started in XX/XX/XXXX. Beginning in XX/XX/XXXX-XX/XX/XXXX, SunTrust reported the loan " delinquent. '' At first, the report stated a history of 120-149 days past due. Then the report was 180+ days past due. Beginning on XX/XX/XXXX, we brought this to the attention of SunTrust. We had a number of phone calls with its Home Preservation and Credit Dispute Departments. We further filed credit disputes with each of the Credit Bureaus. Those are pending. Several SunTrust employees admitted the FCRA violations, sometimes in writing and all on " recorded lines. '' On or about XX/XX/XXXX, SunTrust removed some of the negative information. However, there remains some negative entries including that the loan was " Affected by natural disaster, '' that it has a history of " 180 days or more past due, '' and that the loan is in " deferred '' status. When this was brought again to SunTrust 's attention, it responded that the loan is being reported correctly and " at this time no updates are needed on the account. ''

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