vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reached out to Trans Union about being a victim inquiry issue. I explained to them the inquiries on my account. They refused to move them and told me to wait two years like everyone else! I also reached out to every company that gave me the fraudulent inaccurate inquiry and they told me there was nothing they could do well! 

The inaccurate Trans Union inquires are as followed -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: FL

Complaint narrative:
Hello, I am very stressed out because Transunion reports wrong information in my credit profile. How that possible? This account is not mine and why I should have it? It ruins my life completely, so could you please investigate why Transunion reports wrong information and also I file Identity theft as I assume I am a victim of identity theft. 
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 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
As of today, Monday XX/XX/XXXX, I have a double charge of {$75.00} against my Regions Bank debit card from XXXX. I called XXXX about the transactions and they informed that there was only one charge of {$75.00}, not two. They told me to contact Regions about the double charge. I went to Regions Bank, XXXX XXXX XXXX XXXX XXXX, TX XXXX. The lobby was closed and this was during normal business hours. I went to the drive in window and asked to speak to the manager. She came and informed me that the charge was pending and that there was nothing she could do until the charge cleared. In other words {$150.00} is tied up for a {$75.00} sale, until the bank clears the charge. I find this totally unfair, that Regions is tying up {$75.00} of my money. Also, I find the manager very unhelpful, because all she kept saying was that as long as the charge is pending there was nothing she could do. She acted like a robot in her answers. She was pretty cold to the fact that there was a double charge. I find her behavior and the bank 's policies to be not very customer friendly. Can something be done about this policy? Thank you in advance for your help.

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 2021-04-05 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I contacted a moving company about performing a move to Texas. I gave them permission to charge my card for {$75.00}. I noticed later in the day the charge was for {$1200.00}. I spoke to a XXXX who said they were sorry and that the funds would be returned. Several events happened and the movers did not show up to do the move. The movers did not perform a service did not obtain authorization to charge my card for {$1200.00} and I did NOT sign any documents with the moving company. It is clearly a case of fraud yet Chase has charged the funds back to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05 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: FL

Complaint narrative:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment. You are reported totally different or missing information on my XXXX XXXX XXXX account. I attached copies of my annual credit reports of all major bureaus so you can find wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On XXXX / XXXX 2021 I had challenged AWA Collections to provide validation proof of a debt that was shown on my credit report. As to repose of the company # XXXX. They closed the claim on the CFPB with agreement of closing the account and removing it from my credit report.. As XX/XX/XXXX XXXX my credit report reported to me that AWA Collections did not honored the decision that they stated on CFPB portal. And continue to damage my credit score in the 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have applied for a checking account and was denied two times I havent had a checking account in about 7 years I need all my negative items removed I cant even start a business

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 2021-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Over the past week, I have been contacted by two different companies claiming that I owe Check-n-Go money for a past due loan. I was first contacted by XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX, XXXX, and she said that she was offering me a deal to pay back a loan with Check n go for {$500.00} back in XXXX. She said the debt has accrued to {$2100.00}, willing to settle for {$810.00}, then she went down to {$610.00}, then she said if we settle today, then the number is {$500.00}. I did not do anything. Then this morning, I get a call from XXXX XXXX, XXXX, same story about Check-n-go, this time much more threatening and demanding, and the lady was rude, and hung up on me. So, I call Check-n-go corporate office, 3 different times, to ask if they show any records for me taking out a loan and not paying it back? Everytime I had someone check, they don't even have me in their system, so there's no way to see if these callers are accurate with their information. If Check-n-go doesn't even have me in their system, then how could any of this lawsuit be true? It can't be. I asked Check-n-go if I settled a debt would I be in the system, and they said yes absolutley ... they checked my last four numbers of my social security along with my name, and nothing came up for them. Why is this happening to me? If these collection agencies can't deliver me any documentation for this debt, isn't that a red flag? I asked them, and they gave me every excuse in the book as to why they couldn't discuss the " details of this case '' ... I don't want this to effect my credit or have a judgment placed on me, what can I do to stop this and check on them?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
A few times i tried to go to my bank and start a credit card but they told me no on Several occasions because there were too many attempts on my Social Security card so they said I couldnt make an account because someone is attempting to use my Social Security number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: VA

Complaint narrative:
I like to file a dispute for unidentified fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage was assigned, sold, or transferred to XXXX XXXX, serviced by Shellpoint Mortgage Servicing, effective XX/XX/2021. As of XX/XX/2021, Shellpoint Mortgage Servicing has still not provided me with notice of the transfer. I've repeatedly contacted Shellpoint in order to make payment on my mortgage and Shellpoint has no record of my loan. Shellpoint is unable to provide me with my loan number in order for me to make timely payment of my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: MS

Complaint narrative:
I have sent several letters to the credit bureaus that there was a discrepancy on my account but I am not getting any response after 30-45 days filling the dispute. 

below are the information that i wanted to be removed : 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 2021-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
This company under the name of AARGON Agency is reporting a medical account for the amount of {$3300.00} to my credit report. On XX/XX/2021 I sent a letter to the credit bureau to investigate the account. On XX/XX/2021 the credit bureau replied that AARGON agency verified the account. As the affected consumer I sent a written request to AARGON agency on XX/XX/2021. I asked them to send me the signed medical documents for this debt. I advised I had reached out to my health insurance company to find out if they ever received a claim for this account and they confirmed they did not get a claim. 

AARGON agency has not sent me a response to my written request and it's been a month since I wrote to them.

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 2021-04-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Home American Mortgage Corp
State: AZ

Complaint narrative:
We had applied for a XXXX  loan everything was going great came to the final week where they got a presentation for a house and ready to set the closing date. Then the mortgage company had the XXXX  assessor come by in the assessor did not include the pool on the work order that was going in. So the assessment came in at XXXX and the loan amount was for XXXX. Now the mortgage company is saying the XXXX  is not responding to the request for an addendum and it is now XXXX weeks past the date were supposed to close and we are still in limbo. We dont know where else to turn to get the answers on why its taking so long for either the XXXX  to respond or for the mortgage company to set a close date. 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 2021-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
They call stating they are trying to collect a debt. Then when you say they have the wrong number they state i Know I talked to you last month and start using very abusive language.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Freedom Mortgage Corporation is trying to collect payments from an alledge debt. 
We sent a Debt Validation letter with exhibits back in XX/XX/2021 via USPS Certified mail, but the Debt Validation letter was never answered. i have the tracking confirmation that confirms that Freedom Mortgage Corporation received the mail on XX/XX/2021 at 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 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime online banking closed my account on XX/XX/2021 the amount in my account was XXXX, and I never received the funds back. 
My name is XXXX XXXX XXXX Mailing address XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi Bank ( credit card ) charged me a fee for a returned check and disabled my credit card from use, without any notification to me the card holder ( no email, call, text, etc. ). However, the payment which they claim was returned shows as posted. My account balance shows as paid and within my credit limit. 

I called Citi bank to ask why my account had been disabled. They informed me that I needed to make a payment, so I made another payment but still my card was disabled and not working. Then when speaking with a supervisor in the call center they informed me that my payment had been returned, despite showing as posted. They shared that Citibank provides consumers no notification when this occurs and does not make the returned payment visible to the card holder. The only way for me to know it was returned would be to see the returned check charge posted to my account. They also informed me that I now had a " double payment '' situation. Since they will still attempt to draft my original payment and now they will attempt to draft the new payment which I was told to submit. They have no way to stop these payments and if I don't have the money in my checking account for both payments, I will be charged another over draft fee ( and potentially a second overdraft fee from my other bank ).

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 2021-04-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
LAST YEAR MY CREDIT CARD WAS STOLEN/ LOST WHEN I WAS VERY SICK WITH THE XXXX AND IT WAS CHARGED WITH ONLINE TRANSACTIONS. I DID NOT RECOGNIZE THEM AND I SAW THOSE TRANSACTIONS IN MY CREDIT CARD ACCOUNT OF BANK OF AMERICA, I CONTACTED THEM AND AFTER I RECEIVED A LETTER OF THEM AND I RECEIVED A CREDIT FOR THOSE FRAUDULENT CHARGES. ON XXXX I SENT TO THEM A POLICE REPORT BUT THE BALANCE OF {$2.00} PLUS FEES NOW IS {$2.00} STILL THERE, SO, I CAN NOT PAY FOR FRAUDULENT CHARGES

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 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I had four ( 4 ) mortgages that originated with XXXX  XXXX XXXX in XX/XX/XXXX. I never had any problems with XXXX until three ( 3 ) were sold to XXXX  a/k/a " XXXX XXXX '' in XX/XX/XXXX. All four loans have been paid off except for one with XXXX XXXX, in which there is a minor dispute of {$350.00}, which they refuse to accept even though it was the agreed-upon pay-off amount. XXXX XXXX has now sent the collection to ShellPoint Mortgage as a debt collector, and the amount in dispute is now over {$1000.00} in less than a year. In fact, XXXX XXXX owes me many thousands of dollars. XXXX XXXX has been a HORRIBLE business to deal with. I have attached numerous documents which demonstrate what I conclude has been fraud against me in at least two of the three mortgages. They also lied to the XXXX  of XXXX and XXXX Texas. They reneged on another settlement regarding insurance policies that they had agreed on and only after the XXXX  case had been closed in favor of me as the consumer. XXXX XXXX 's and ShellPoint 's actions are nothing short of extortion. An attorney representing me and I have requested from XXXX XXXX several times for complete copies of the account history such as payments, debits, insurance, etc. These statements show excessive charges, servicing errors, fee errors, payment errors, escrow errors, and pay-off errors. ShellPoint Mortgage has informed me of the problems that XXXX XXXX caused by breaching our agreement for the pay-off of the last loan with them. Instead, ShellPoint ignored my advice. As I previously mentioned, XXXX XXXX owes me tens of thousands of dollars, which is now escalating due to my inability to obtain a mortgage loan due to their errors and misconduct. XXXX XXXX then denied my loan because I was a victim of XXXX XXXX, with which XXXX XXXX is affiliated, and because I was traveling nearly constantly while employed as a Foreign Service Officer with the U.S. Department of State and all of my accounts were on automatic Billpay. I find these acts to be abhorrent against someone who put over 20 years in service to our country, including nine years in the active U.S. Army.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: GA

Complaint narrative:
I have disputed the address below but it is still showing on my account.I am not associated with them anymore XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I do not know who these companies are and have never had an account with them. They continuously call and send documents however, these are not companies I have had any agreements with. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX IDEALCOLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I am working to Refinance my existing loan with PHH and they do not refinance in the state of Massachusetts so I am working through another company. I have never been late on my mortgage and my mortgage states I am PAST due. I have called PHH to get a clean or updated mortgage statement 6 times and they will not provide me one, they keep stating it should be online. I have also emailed them twice. I am at the point that my refinance is not going to happen because of the horrible customer service of this company. I was under the impression that they had to provide a clean statement or any mortgage statement when asked for. 

PHH Mortgage is the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/XXXX I purchased 2 concert tickets from my XXXX XXXX using paypal. I then went on XXXX when i became suspicious of the tickets and found the same seats I purchased still for sale on XXXX. I filed a dispute with paypal and my bank and even though I provided proof that the tickets are fake i was declined both times.

Company response to consumer: Closed with monetary relief