vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Nationwide Mortgage Bankers, Inc.
State: IL

Complaint narrative:
During the entire process the person that handled the loan ( XXXX XXXX ) that works for the bank quoted me certain numbers, rate, and downpayment amount. Once the appraisal was done of the property the rate increased and I was told if I increase the amount of the loan to include the {$5000.00} ( the property appraised at {$5000.00} more than what he was asking ) The original amount was {$320000.00} when the appraisal was done it appraised at {$320000.00}. XXXX XXXX ( the person handling the loan and paperwork ) stated that if I increase it to {$320000.00} which would take the equity out that it would be less I would have to bring to closing, she assured me that it would help me, however after I agreed to take the equity out, she increased my rate from 6.75 % to 7.25 % and then added additional fees, so that she ( XXXX XXXX ) can keep the {$5000.00}. She told me of how it was important to make my first XXXX payments and if I didn't the mortgage company would make her pay her commission back to them. She constantly rush me through the deal once she knew that this was my first time buying a home. Throughout the entire process XXXX XXXX told lie after lie regarding this loan. She stated that she increased the rate so that it would save me money in the end. All together my loan was for {$320000.00} XXXX received {$15000.00} from the seller for closing cost and I had {$11000.00} for my downpayment, XXXX never explained that i had to have closing cost and the 3.5 % downpayment I was repeatedly told that all I needed was the 3.5 % for the downpayment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
1ST ISSUE PAYPAL SHOWED ME HOW MUCH THEY CREATE FRAUD ON CUSTOMER ACCOUNTS MY ACCOUNT WAS SUPPOSED TO RECEIVE A REFUND TODAY INSTEAD WHEN I CALLED ONE OF PAYPAL AGENTS FRAUDULENTLY CHANGED THE PAYMENT REASON TO EXTEND THE PAYMENT INSTEAD OF ALLOWING ME TO BE REFUNDED AND I AM 100 % SURE THEY DO THIS TO PEOPLE ALL THE TIME. WHEN I CALLED ABOUT THE REFUND THEY KEPT PROLONGING THIS ISSUE UNTIL THE AGENT CHANGED THE REASON CODE CAUSING THE TIMEFRAME FOR MY REFUND TO EXTEND ANOTHER 20 DAYS FRAUDULENTLY. {$45.00} SHOULD HAVE BEEN REFUNDED BACK TO ME INSTEAD THEY EXTENDED IT GIVING SALER ANOTHER 20 DAYS TO GET HIS MONEY BACK.. 
2ND ISSUE I ALREADY HAVE ANOTHER DISPUTE THEY HAVE REFUSED TO PAY ME FOR A DISPUTE THAT SHOULD HAVE BEEN REFUNDED MONTHS AGO BUT THEY KEPT CLOSING A {$280.00} DISPUTE WHERE XXXX XXXX SENT BACK A REFUND BUT PAYPAL ONLY GAVE ME BACK {$8.00} OF THE REFUND AND THEY KEEP CHANGING THE CASE ID WHICH I WAS NEVER REFUNDED BACK TO ME THE CASE ID IS XXXX FOR THE {$280.00} REFUND PAYPAL KEPT XX/XX/2022 DISPTES WERE XXXX YET THEY KEPT EXTENDING THEM AND CLOSIGN THEM OUT SAME WAY THEY ARE DOING THIS OTHER CAAND THIS SHOWS HOW ALOT OF FRAUD THAT HAPPENS ON PEOPLE ACCOUNT NEVER GET CREDITED I HAVE LOST OVER XXXX TO BANKS THIS YEAR JUST STEALING FROM ME FOR NO REASON...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10 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:
I am in the process of purchasing a home and the VA lender I am working with shared with me all of the information that was reporting on my credit report. Accounts both new and old are appearing on my report. Some accounts are negative, and some appear to be positive, but they do not belong to me. I am a victim of fraud! At the VA 's advisement I reported the crime to the police and filed an FTC report. I am sure the credit bureaus will investigate but I want all of these items removed from my report immediately. I have sent in dispute letters via certified mail, and I have called several times, but they ( XXXX, XXXX, and Equifax ) refuse to remove the accounts and inquiries from my report. According to the Federal Trade Commission, negative items shall be removed in 4 days. Additionally, after sending in the dispute letters with the FTC report attached, the credit bureaus have added on a collection account which is not mine which is severely hurting my chances of closing on this house. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: AZ

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

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 2023-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
hey, I have been exposed to identity theft and have never had a contract or did any business with XXXX XXXX XXXX there is NO WAY THEY SHOULD HAVE MY INFORMATION! Someone gave them my information without my consent and now its on my consumer report and that is illegal.

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 2023-07-10 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: CA

Complaint narrative:
I was the victim of identity theft last year in which someone opened multiple credit cards in my name. They used their address or an address different than my home address. They charged on multiple cards and it is now effecting my credit. I have reported this to the companies and to the credit agencies and has done no good. The credit card company ( XXXX XXXX ) said that the address used shows on my credit report as my previous address. This is incorrect. I have never used, loved, nor know anyone who lives at that address. I have lived in the same location for over 10 year and prior to that lived in the same town for the last 20 years. The reason this address showed on my credit report is due to the multiple fraud accounts opened in my name at this fraudulent address. The person or persons also stole my social and name to open these accounts. I dont feel I should be held responsible for identity theft and fraudulent use of a card that the company was not careful enough when they issued it. The companies negligence is not my fault. 
I have attached my government ID and a police report. My id confirms my current address and by the expiration on the id it shows I have

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 2023-07-10 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX is not complying when it comes to my credit repot there are accounts that do not belong to me that are affecting my credit worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I was contacted by MCM credit Management by phone and I ask them to verify the debt in thirty days.Aldo not to contact me again. MCM has started sending mail threatening me with legal action against me.I want this to stop if not I want legal action against them for continuing to send mail with threats to take legal action.This is a third party debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
This complaint is regarding the Citibank new checking account cash bonus offer. 
On XX/XX/2023, I opened my new Citibank checking account and funded the account on XX/XX/XXXX with the required amount to receive the bonus ( see bonus confirmation email ). Subsequently, I also mailed in my signature card and W-9 form in a prepaid return envelope provided by Citibank ( see return envelope pic ). 
On XX/XX/2023 I was supposed to receive my cash bonus from Citibank. However, the bonus was not posted and I was told it would be posted soon. 
On XX/XX/XXXX, they finally informed me that my W-9 was not in their system even though I already mailed it to them back in XXXX. 
When I spoke to Citibank, they told me to wait for an email from them so I could email them my W-9 again. 
On XX/XX/XXXX, I received an email from Citibank and I replied them with my W-9 and mailed them my W-9 through USPS as well. 
On XX/XX/XXXX, I also faxed them my W-9 and was told that it would be processed in XXXX business days ( see fax confirmation ). 
Today, on XX/XX/XXXX, Citibank still insisted that my W-9 is missing and my cash bonus has not been issued.

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 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/2023 I made a mobile deposit. The check was in the amount of {$1300.00}. The bank made an error and only credited my account {$1300.00}. When my employer brought it to my attention that they shorted me {$40.00} I called the bank the first week in XXXX. I had to wait well over an hour for a customer service rep to get on the phone. She said that the bank would fix the error and we should have the credit by XX/XX/2023. As of today they have not credited us the {$40.00} that they shorted us and I have attempted to call them multiple times and have also utilized the online chat feature but have never been able to speak with a customer service representative. You are just kept on hold indefinitely. Even the Chat feature is unmanned ( transcript attached ). I tried the chat feature and called again today with no live person for over an hour.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
In XX/XX/XXXX I took out a personal loan for {$10000.00} with Discover. I made the final payment for this personal loan on XX/XX/XXXX, in the amount of {$730.00}. This payment settled my account in full, completely paying all interest/principal that was due. Discover has not reported this payoff to the credit bureaus, and this personal loan account still shows as open on my XXXX credit report with a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA

Complaint narrative:
My loan was transferred to First National Bank shortly after closing. This bank very limited options for making payments on a mortgage and their policies seem intentionally designed to incur fees and harm consumers. 

The only options are as follows : To pay by phone, which generally involves absurd hold times, transfers and promised call backs which do not actually happen. There is no option here to set recurring payments, schedule a payment, or save account information. This is intentionally designed to discourage this method To pay via third-party bill pay. which they make as difficult as possible by obscuring the proper address, and procedures and making it impossible to view your account status, balance or payment due online. There is literally no way to view account information online, you must wait for the paper statement each month, assuming they decide to send it. 

To open banking accounts with them. These accounts are fee-based, non-competitive and the only reason one might open them is to be able to pay their mortgages conveniently. This entire setup, with the limited options, seriously antiquated website and insufficient phone staffing, seems designed to force consumers, who did not choose their mortgage servicer, to open these non-competitive accounts and generate unjustified revenue for the bank. This entire process is exploitative and predatory and should be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account ( XXXX ) Name ( XXXX ) and Number ( XXXX ) : Record type : Public Record : XXXX XXXX bankruptcy dismissed ; Reference number : XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-07-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX Account ( XXXX ) Name ( XXXX ) and Number ( XXXX ) : Record type : Public Record : XXXX XXXX bankruptcy dismissed ; Reference number : XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-07-10 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: CA

Complaint narrative:
I am writing to express my strong dissatisfaction with the credit reporting agency. Despite my many attempts to fix the problem, they have consistently ignored my requests and shown a lack of commitment to making sure credit reports are correct. I sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, XXXX, XXXX, and Transunion chose to ignore my previous complaints. It's clear that they didn't have good procedures in place, which led to credit reports that are not as accurate as they should be. According to the rules, XXXX, Transunion, and XXXX are supposed to investigate and respond to my disputes within 30 days. But I haven't heard anything from them, and they haven't made any effort to look into the mistakes in my credit report. This situation has caused me a lot of stress and frustration. I trusted these credit reporting agencies to handle my information responsibly, and their failure to address my concerns has made the problem even worse. I demand that they quickly investigate thoroughly and give me a satisfactory response about the mistakes in 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 non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NY

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this 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 non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
When reviewing my credit card statement, I noticed I had only received 3x rewards on travel when my credit card benefits entitle me to 5x for travel booked through their website. When I spoke to a representative, she said 3x are the base reward points and I'd have to wait 1-2 statement cycles to receive the remaining rewards. This is the first I've heard of this since opening my credit card in XXXX. Additionally, I receive 2x points on all other travel, therefore the explanation of " 3x being the base points '' didn't make sense to me. When I asked the representative if this was explained anywhere on the website, she said yes, but failed to direct me to its location. I reviewed the terms and conditions of my credit card benefits to no avail. If what the representative said is true, then I will wait for the following statement cycle to receive the additional points ; however, this practice of crediting partial points is misleading and is not clearly described on the website. 

I'm waiting for additional credit on the following purchases : XX/XX/XXXX - {$780.00} XX/XX/XXXX - {$230.00} XX/XX/XXXX - {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I didnt buy anything consumable from the store that warranted late fees/ XX/XX/90 days late. I wasnt notified of the charges until it reflected in my credit report. The store charged membership fees of {$29.00} on the store credit card, which has been refunded after I made a complaint to the store and the bank. Please remove the late from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Someone has obtained enough PPI to apply at both Bank of America and XXXX XXXX bank for credit cards that are fraud attempts and the process of issuing does not stop once I report it to the bank. Also the hard inquiries have caused my credit score to fall and today, I received a letter from BoA again asking me to verify my identify to issue a asks XXXX XXXX XXXX card that I did not apply for. 

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 non-monetary relief
Consumer complaint received 2023-07-10 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: VA

Complaint narrative:
I am filing this complaint because I have requested validation and verification of inaccurate items that I have noticed. Letters were mailed on ( ALL DATES ) and as of today I have gotten no response! It is the bureaus practice to investigate and give a resolution within 30-45 days. This has notbeenthecase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: VA

Complaint narrative:
I am filing this complaint because I have requested validation and verification of inaccurate items that I have noticed. Letters were mailed on ( ALL DATES ) and as of today I have gotten no response! It is the bureaus practice to investigate and give a resolution within 30-45 days. This has notbeenthecase.

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 2023-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX denies having any open account with me, yet debt collectors keep calling my spouse during his working hours trying to get hold of me. I tell him to give them my number but they are relentless. I called XXXX and they deny any of this and gaslighted me over the phone as if I am imagining things. They then said call XXXX  at XXXX, whom XXXX referred me to XXXX XXXX XXXX at XXXX. I need this to stop or I am considering harassment small claims options. I was a homeless Veteran when the judge made his/her decision and I had a lawyer, but here we are. I paid the account and it is considered paid in full by 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