vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 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: PA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: MS

Complaint narrative:
I submitted proof of unverified late payments to all three credit bureaus showing how late payments ahd not been verified because they were shwioign differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sen them, however, that is not what i requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. Experian and XXXX are also illegally reporting XXXX XXXX XXXX as " CO '' every month since XX/XX/2019

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 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
A Financial institution ( XXXX  XXXX XXXX ) filed a report with chexsystems reporting my Business account for suspected fraud, XXXX  XXXX XXXX has since closed my account, Including a savings account I held in the bank for over 15years I disputed the information and Chexsystems carried out an investigation and the Financial Institution claimed to verify the information without contacting me or launching any investigations. 

Seeing that i was up against institutional collusion, I realized my only recourse to putting my side of the story out there is ADDING A STATEMENT TO MY FILE on Chexsystems. 

I sent Chexsystems a statement which was added to my file ( SEE attachment 1. ) A few days later i got a letter from Chexsystems stating an error and CHANGING my statement ( SEE attachment 2 ) The statement in ATTACHMENT 2 belongs to Chexsystems NOT me and it represents a BRAZEN denial of my FIRST AMENDMENT RIGHTS!!!

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 2021-09-21 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: EQUIFAX, INC.
State: TN

Complaint narrative:
UNAUTHORIZED CREDIT INQUIRIES ARE LISTED ON MY CONSUMER REPORTS THAT I NEVER AUTHORIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I applied for a Southwest Rapid Rewards Visa through Chase Bank. I applied because, even though there is a {$69.00} annual fee, there was a promotion providing {$200.00} statement credit on the first flight purchased and I was in the middle of booking tickets to see my grandson for his birthday. I applied, got approved, and the pop-up advised that the card was linked to my Southwest account for immediate use. The card information was present, but the purchase was continuously declined because I was missing information. The Southwest account identified that the 3 digit security code from the back of the card was missing. After numerous attempts to contact Southwest and Chase, I was ultimately transferred to Chase from Southwest customer service. Chase advised that my only option is to wait 7-10 business days for the card, to then make the purchase, at which time the fares would change, or use a different card, which would negate the reason for applying and result in a loss of the statement credit. I requested for the card to be expedited. Representative XXXX advised that Chase does not expedite credit card issuance, contrary to what research suggests. XXXX advised that the only assistance that could be provided is to close the account or wait for issuance. I elected to close the account, but as this is a known Chase/Southwest  issue , dating back over 4 years, this should be investigated, as I and others view this as a bait-and-switch tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: GA

Complaint narrative:
Please remove the accounts on my credit report because those are not mine.

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 2021-09-21 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX {$4700.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX  XXXX {$1300.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this tem from my credit report. XXXX XXXX XXXX {$10000.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX {$3100.00}, I have spoke with creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX {$57000.00}, I have spoke with the creditor and filed an identity the report and they refuse to remove this item from my credit report. Indiana XXXX XXXX XXXX XX/XX/XXXX {$790.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XX/XX/XXXX {$310.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX XX/XX/XXXX, I have spoke with creditor and filed an identity theft report and they refuse to remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX {$4700.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX  XXXX {$1300.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this tem from my credit report. XXXX XXXX XXXX {$10000.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX {$3100.00}, I have spoke with creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX {$57000.00}, I have spoke with the creditor and filed an identity the report and they refuse to remove this item from my credit report. Indiana XXXX XXXX XXXX XX/XX/XXXX {$790.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XX/XX/XXXX {$310.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX XX/XX/XXXX, I have spoke with creditor and filed an identity theft report and they refuse to remove this item 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 2021-09-21 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: OK

Complaint narrative:
On XX/XX/XXXX I received a text message. It said " Attention ( My name ) We recently notified you by mail that a lawsuit was to be filed against you regarding your past due account with Check N Go. A case management conference was recently held due to the impact of covid 19. As a result, we are extending you the option to settle your unpaid balance of {$490.00}, out of court for a onetime payment of {$240.00}. This payment will close ( dismiss ) the case against you and your account will be paid in full with a XXXX balance. This payment must be made no later then Monday XX/XX/XXXX. The payment can be made by calling XXXX or online at ( website ) File number # # # # # # #. '' Although there was no company name I did research the number and it came back to the XXXX XXXX XXXX. 

I have disputed this alleged debt in pervious years because it is not mine and other collection agencies have used this same tactic and even broken some of the laws set out by the FTC and the CFPB. This is not my debt yet, when I file a complaint they continue to sell to the next collection agency. I have been told by Check N Go that this debt was from XXXX and the total amount due is {$390.00}. I have never accepted responsibility for this debt. I believe this is past the statue of limitations and they are illegally trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
On XX/XX/2021, I contacted PennyMac ( my mortgage servicer ) to inquire about when my private mortgage insurance ( PMI ) would be AUTOMATICALLY cancelled. I was routed to a Senior Mortgage Specialist who asserted that my PMI would NEVER be automatically cancelled, no matter how long I waited or how many payments I made. If this is true, then PennyMac is in violation of the Homeowners Protection Act. 

During the call, I located my original mortgage paperwork, which specified that the automatic termination date is XX/XX/2021, when my principal balance was originally scheduled to reach 78 % of the property value ( it's actually already reached this threshold, but I understand that doesn't trigger PMI cancellation ). If what the PennyMac representative asserted is true, this also means that they are engaging in unfair and deceptive practices by not honoring the terms of the loan I signed up for. 

The PennyMac representative was extremely rude and condescending. She kept reiterating that I needed to pay for a brokers ' price opinion ( BPO ) to verify the value of my home, which is only true if I want to request cancellation of my PMI BEFORE the scheduled date of automatic cancellation. Despite my attempts to explain to her that I was not asking about cancelling my PMI now or requesting early termination, I only wanted to validate the date of automatic cancellation, she insisted that I was not eligible for automatic cancellation at any point over the life of the loan. She said that " every loan is different, '' and some loans are eligible for automatic termination while others are not. This is generally false, as only a small percentage of loans are not eligible for automatic PMI termination ( FHA loans, those at a high risk of default ) and, when that applies, it is disclosed UP FRONT when the buyer is signing the mortgage. 

The PennyMac representative declined my multiple requests to speak to someone else at the company, because she said they would tell me the same thing as her. Additionally, when I explained that I had spoken with PennyMac representatives several times in the past about automatic termination of PMI, she asserted that this was untrue. I told her that, based on the interaction with her, I plan to refinance and take my business elsewhere. Her response was that PennyMac would probably just " buy your loan back and you'd be back with us anyway. '' These threats and accusations of lying amount to abusive acts on behalf of PennyMac. This representative 's treatment of a customer in good standing is absolutely appalling and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX. I closed on a mortgage with Bank of America. The lender had me prepay 11 months of taxes and 4 months of homeowner 's insurance. I prepaid a year of homeowners insurance as well. This violates RESPA Section 10, stating lenders are allowed 1/6th cushion, 1/12 for monthly escrow, and a year of HOI. My monthly payments follow the 1/12 rule but the prepaid taxes violates this rule. I have not contacted lender. I submitted complaint to 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 monetary relief
Consumer complaint received 2021-09-21 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: GA

Complaint narrative:
Please remove the accounts on my credit report because those are not mine.

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 2021-09-21 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: PNC Bank N.A.
State: TX

Complaint narrative:
I have attempted to correct the reporting history on a closed account I had with BVA compass on two occassions. The company originally agreed to correct it but now has refused to correct it, with the most recent being XX/XX/XXXX. The complaint is on acct # XXXX under XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX TX XXXX. 

At issue : this was a 36 month installment account which was paid in full and on time in XXXX of XXXX. Apparently one of the instalment payments was made 10 days past the due date and a fee was charged to the account. I was never made aware of this fee or knew it needed to be paid. When I got a notification from my monitoring service this account was 60 days past due I went into investigate and found they were showing the account still open and 60 days past due. I immediately paid the fee and contacted the company to explain no one had informed of this fee and I had indeed made every installment on time and certainly prior to being 30 days or more late. If they had notified me in anyway a fee was due, I would have also paid that. They agreed on the phone to remove it. When several weeks went by and it was still showing I called again and they said they would look into it and respond. On XX/XX/XXXX I received a letter in the mail saying they would not remove the 60 day deliquency despite me never actually being late and them agreeing on a phone call with me earlier, to remove it. If any of my installment payments were 30 days or more late, I wouldn't fight this. That was not the case, however, and the delinquency needs to be removed as it was never communicated to me that there was a late fee in the history that also needed to be paid. I can not pay, what I don't know about. I did however pay what I was contractually obligated to pay over the 36 month term. Please help me get BBVA Compass to do the right thing and remove this account from all 3 bureaus showing it was ever delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX, I had filed a complaint with Wells Fargo Bank, due to a slew of charges that were taken out of my account, as my debit card was not in my physical possession. I have spoken to multiple agents and customer care representatives who have been absolutely no help in the process. Due to the nature of the charges that spanned across three weeks, I focused on the larger sums, which are as follows :XX/XX/XXXX : XXXX XXXX - XXXXXX/XX/XXXX : XXXX - XXXX XXXX - XXXX XX/XX/XXXX : XXXX XXXX - XXXX XXXX - XXXX XX/XX/XXXX XXXX  XXXX - XXXXXX/XX/XXXX - XXXX XXXX - XXXX XX/XX/XXXX XXXXXXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX When given a decision, Wells Fargo Bank denied my claim and requested that I go directly to the merchants to issue a refund. Therefore, I went to each merchant through chat and phone, in which none could assist, as the charges were done in-store, with the exception of XXXX XXXX. I called Wells Fargo once more and told them that the merchants authorized a refund and the Wells Fargo agent informed me they can not issue the refund and in addition to this statement, I can not open a new claim disputing these transactions. 
The amount I have disputed is high and it's frustrating beyond all belief for a bank to have protection for its consumer, yet refuses to utilize it to protect someone from these actions. I have contacted each merchant again, and still the same response from both parties involved.

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 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
Debt collection is for a person that has never lived here. Told Trans World Debt Collectors to remove our number from this person. They continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: Paradigm Assets, LLC
State: AL

Complaint narrative:
I AM ATTACHING A COPY OF A XXXX REPORT FILED AS WELL AS MY CREDIT REPORT. I DO NOT RECOGNIZE THE ACCOUNTS LISTED IN THIS REPORT AND FOR THAT REASON THEY SHOULD BE REMOVED DUE TO IDENTITY THEFT. THESE ACCOUNTS ARE PREVENTING ME FROM PURCHASING A HOME AND MY LINE OF WORK REQUIRES A CLEAN CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
In 2016 I settled an outstanding XXXX XXXX bill and negotiated an amount and paid it in full. The debt collection agency ruined my credit with this and my credit report reflects it was paid in full. I added a statement to my credit report explaining what occurred. Now 5 years later they are again trying to extort money from me. This has to cease ; they can't just continuously harass me about a 5 year old debt that was settled. This is fraudulent practices and someone needs to stop this extortion and fraud.

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 2021-09-21 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: TN

Complaint narrative:
UNAUTHORIZED CREDIT INQUIRIES ARE LISTED ON MY CONSUMER REPORTS THAT I NEVER AUTHORIZED.

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 2021-09-21 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 have 5 inquiries on my credit report that I m not familiar with, From 1. XXXX  2. XXXX XXXX 3 XXXX 4. XXXX XXXX XXXX XXXX These credit inquires are on my report and I have no idea where they came from, They are fraudulent and would like to have them removed immediately.

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