vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: IA

Complaint narrative:
In XXXX XXXX XXXX I received my first debt collection notice from the company ERC ( original creditor being XXXX ) dated XX/XX/2021 with my UPDATED XXXX, IA address at that address location. I contacted ERC on XX/XX/2021 disputing the collection in question and requesting validation of the debt, at this time the company advised me they had an old XXXX XXXX, IA address on file so I gave them the updated XXXX, IA address that they had mailed the collection notice to. 

On XX/XX/2021 I called ERC again to check on the validation request, I was again advised they only had my old XXXX XXXX, IA address and I again advised of the XXXX, IA address. I was also advised that they had not received anything from XXXX at that time in regards to the validation of the debt. 

I followed up again with ERC on XX/XX/2021 twice due to the first representative disconnecting my call, and both representatives still only had my old XXXX XXXX, IA address. I was advised that they had still not received from XXXX not sent me validation of the debt in question. Since it was now passed 30  days from my initial dispute/request and they failed to provide validation I requested the debt be removed/closed. After escalation I was transferred to speak with the " Office of the President '' of ERC but received their voicemail. I left a message and when I heard nothing back a few days later I called the " Office of the President '' again complained about the call center not being able to update my address and that I wanted this debt closed since they could not provide me proof/validation. I was told I would need to speak with XXXX about having the debt closed and why they were failing to provide validation. 

On XX/XX/2021 after receiving nothing from either company since XXXX 's discussions I contacted XXXX. I explained the situation and was just advised that I would need to contact ERC and work with them only. I called ERC on XX/XX/2021 and was advised they still only had my XXXX XXXX, IA address and that they did try to send me the validation in XXXX, but I never received anything from either company, I am speculating it would have been sent to the bad address they could not seem to change/update. 

I do want to add that this company, ERC kept advising me that they are not a collection agency and therefor couldn't close the debt. I find this hard to believe since their disclosure on the phone and on their Collection notice letter states " This is a debt collector attempting to collect a debt... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Sometime between XX/XX/XXXX and XX/XX/XXXX I redeemed XXXX points for a {$50.00} XXXX XXXX for a XX/XX/XXXX XXXX XXXX cruise. XXXX hit an my cruise was cancelled. 
I was finally able to rebook my cruise for XX/XX/XXXX and as of today the {$50.00} credit hasn't posted to my new booking. I contacted XXXX XXXX and they indicated they can resolve the issue if Bank of America provides me with the transaction id associated with the redemption. Bank of America only retains redemption records for 18 months and is unable to provide me with the necessary information to use my {$50.00} Credit. Additionally their online statements which have an 8 year retention period don't include this required information for me to provide their XXXX. Understanding that XXXX was an unpredictable circumstance and in a normal circumstance an 18 month retention of rewards redemptions may be sufficient ; I have concerns that significantly more customers besides myself have been impacted by this scenario and may not even realize it. And for those that do recognize the error Bank of America isn't equipped to resolve and remediate the issue. I requested a courtesy adjustment of the XXXX points so I could just re-redeem in lieu of the transaction id and I was advised it could take months to research. I've attached my statement as evidence of the redemption and lack of critical information needed to work with their partner on resolution.

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 2021-12-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: NY

Complaint narrative:
My identity was stolen and there are alot of this that are opened under my name which was fraudulent and unauthorized .These items are messing up my life and I need them all removed asap.

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 2021-12-03 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: NY

Complaint narrative:
My identity was stolen and there are alot of this that are opened under my name which was fraudulent and unauthorized .These items are messing up my life and I need them all removed asap.

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 2021-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XXXX, I found out that my Synchrony Home Credit Card credit was being lowered due to outstanding balances/revolving debt. This is due to Covid 19 and the fact that my money seems to come when it feels like it. At minimum, I am making payments on time. On XX/XX/2021 when I went on Synchrony Home Credit Card 's website, it indicated that my account was closed. What is going on? I am being penalized for paying on time or paying the minimum balance? If this company really looked at my credit, they would see that I am paying down my debt and they are next. I really do not think that this is fair considering that I never missed a payment but I am being held accountable due to Covid 19.

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 2021-12-03 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: EQUIFAX, INC.
State: PR

Complaint narrative:
I need that XXXX XXXX make the necessary adjustments. They removed the negative mark that appears in my credits teports in the month of XXXX for the month of XXXX and included it again in the month of XXXX. They even include an false observation in the report that reads : XXXX XXXX. The problem of this delay was fault of the bank and the XXXX application according the bank informed me. This application was programmed to debit {$150.00} fortnightly and due to a problem that the application had, it only debited {$1.00}. The bank informed me not use that application due to problems I had and they recommended that I switch to " XXXX XXXX '' app, which I did immediately. This is not allowed by the fair credit law. I have spoken with more than XXXX representatives and they have agreed to resolve the matter and have not done anything. 
Even, I have never received a card statement, this other issues were left to be resolved and they have not done anything. 
This matter has caused me irreparable damage. They have even disabled my account due to an address problem and I have already sent you the required documents twice. They unlocked my card on XXXX occasion and then re-locked it. 
I send him everything I have done in the past emails and I include again my identifications with the electricity bill and the credit report. I demand that they fulfill their responsibility since the damage caused is irreparable. 


I await the call that XXXX XXXX agreed to give me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
After closing and funding, I had a remainder balance in escrow of {$1400.00}. Loancare told me that would be my refund. After closing and funding dates, Loancare decided to charge me my PMI, AFTER CLOSE, and states that there is nothing I can do about it. GO ahead and sue them is what they said. No money is to be charged after closing, it's the law!

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 2021-12-04 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:
EQUIFAX HAS BEEN NOTIFIED OF AN INACCURATE ACCOUNT THAT THEY ARE REPORTING ON MY CREDIT REPORT AND THEY HAVE YET TO RESPOND OR REMOVE THE ACCOUNT. BOTH XXXX AND XXXX HAVE REMOVED THE ACCOUNT. EQUIFAX WAS NOTIFIED ON XXXX XXXX. IT HAS BEEN LONGER THAN 30 DAYS AND THEY HAVE FAILED TO COMPLY. I HAVE ATTACHED DOCS TO SUPPORT MY CLAIM THAT BOTH XXXX AND XXXX REMOVED THE ACCOUNT. I WILL ALSO INCLUDE THE LETTER THAT WAS MAILED TO EQUIFAX ON XXXXTHE ACCOUNT THAT IS INACCURATE AND SHOULD BE REMOVED IS AD XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: NY

Complaint narrative:
My name is XXXX XXXX, I am of sound mind and age of majority. XXXX, XXXX furnished incorrect private information about me to credit reporting agencies. I am deeply saddened by the effect it has had on me as a consumer protected by federal law. Please see the attached proof of XXXX, XXXX requesting the aforementioned information to be deleted.

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 2021-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A Domestic Wire Transfer was initiated on XX/XX/2021 for {$9200.00} from Chase Bank to a XXXX Bank account. The money was never received by the account recipient. Chase removed the amount from my account and claims it was sent to XXXX Bank. XXXX Bank claims they never received the funds. After numerous phone calls for 2 days straight both banks claim they do not know where the transferred money is. Todays current date is XX/XX/2021 and there is no news on where the wire is. Neither bank is taking accountability for the money. They continually bounce me around to other departments on the phone claiming there is nothing they can do. Each bank says the problem is with the other bank and try to release themselves of responsibility and offer no assistance in communicating with the other bank to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank reference # 's : XXXX and XXXX I am the executor of my Aunt 's Estate. She had various checking and retirement accounts with Citi. I was able to close the checking accounts at a local branch, but they were unable to take any action on the retirement accounts. 

I have sent correspondence to Citi XXXX XXXX XXXX in XXXX XXXX, TX with the required legal documentation demonstrating that I am the executor ( with an original of the death certificate ) requesting that Citi identify to me the number of accounts that remain active and who the beneficiaries are, if any were named. 

My letters are datedXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which also included withdrawal forms Citi asked me to complete. 

On XXXX XX/XX/2021 Citi issued XXXX checks to the estate of my aunt in the amounts of {$5500.00} and {$9700.00}. There was no explanation at all and no reference to the type of account the funds came from, or the account numbers. All I got were checks in an envelope marked " XXXX XXXX ''. No statement was provided to indicate how the amounts were determined. 

XXXX months after asking Citi to provide me account information and balances, I still have no response. I have no idea what accounts were open, what the balances were and whether some or all of the accounts have now been closed. 

I have made it very clear in my correspondence that by not providing me the information to which I am legally entitled, Citi is delaying the closure of the estate. The lack of responsiveness of this group, and the inability/unwillingness to respond to specific questions, has been very very frustrating. 

My specific request remains exactly the same. Tell me what retirement accounts my aunt had active at the time of her death. Tell me the account balances. Tell who the named beneficiaries were, or if there were none. And please close all the accounts.

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 2021-12-03 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: NY

Complaint narrative:
My name is XXXX XXXX, I am of sound mind and age of majority. XXXX, XXXX furnished incorrect private information about me to credit reporting agencies. I am deeply saddened by the effect it has had on me as a consumer protected by federal law. Please see the attached proof of XXXX, XXXX requesting the aforementioned information to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
My mortgage includes an escrow account, and my monthly mortgage bill includes an escrow component so that the lender/servicer will taxes and insurance directly. My lender/servicer has failed to pay property taxes on my home for 2021, starting with first half billing in XXXX, and second half billing in XXXX. The full 2021 tax amount is delinquent, and has accrued {$1000.00} in interest and penalties, growing daily. 

I received a delinquency statement for first half taxes due in XX/XX/2021 in XXXX. I contacted my lender/servicer and asked them to resolve the failure to pay. Their customer service group assured me that the taxes due would be paid in full. I monitored my property tax account for the following months and noted no action by the lender. 

When the 2nd half tax payment was not made timely in XXXX, I again contacted my lender/servicer on XX/XX/XXXX, asking that they investigate and resolve, including payment of all interest and penalties resulting from their failure to pay. I received a response on XX/XX/XXXX, asking me to provide the tax billing statement to them. I responded with the requested information on XX/XX/XXXX. On XX/XX/XXXX they replied and stated they would respond within 5 business days. I have received no further information from them on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

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 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC

Complaint narrative:
Shellpoint took over my mortgage over a year ago. For the last few months, they have been over charging me fees for taxes and insurance that I do not have with them. My XXXX payment had also been moved into an account that I knew nothing about and they kept telling me my mortgage was late. As of today which is XX/XX/21, they are still charging me for taxes and insurance. I have my own insurance and I have called these people numerous times. I am not sure why they keep screwing up my account but Im tired of them. This is the worse company ever and I dont know what the problem is with them and other peoples money.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was purchasing something over XXXX of {$170.00}, turns out it was a scam and the person never returned my money. The money was sent on XXXX XXXX. I sent the case to Wells Fargo but they didnt approve of my claim on XXXX XXXX and my card was charged back of {$170.00}.

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 2021-12-03 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: U.S. BANCORP
State: AK

Complaint narrative:
XXXX XXXX XXXX said too any delqieuncy on credit but I did that credit check and there no delinquency. Not only that they block my card so I be forced to call so people hacked me more losing XXXX dollars. I don't have have any delquencey they made .e go to someone else to ask for a loan which put a hard inquiry on it. I want all the knquirys o have with yall in the last 8 months removed. 
Basically when I walked in another person who hacked my account drove tot he front desk and told them not to let me have anything and they said they applied for .u personally loan at bank but o check it there no inquires so I did it again. The day after they said delinquency I checked my credit report another 3 months after that are no missing payment. Then they lied trying to obtain more information about me so these XXXX XXXX XXXX  get my identity info and pass it to there XXXX  and friends.

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 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One is issuing me a new card. The new card has contactless capability as a new feature. I called and requested a card that does not have contactless. They said they do not have those cards anymore and all new cards are contactless. That means theyare putting my information at risk. 

I work in information security. I have both XXXX and a security clearance with special program access. I know the dangers inherent in a contactless card, and I am horrified that a bank is pushing this on me without any alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have mailed certified letters to Experian about my incorrect name and address and nothing has been done yet. I have send my drivers license etc and still nothing has been change. The unethical behavior is totally unacceptable. I have asked them in a proper manner to correct this since XX/XX/2021 and its XX/XX/2021.

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