vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  and equifax have held incorrect information on my credit report due to identity theft and I am unable to contact anyone or login to their website it has been stuck for almost a year with either them hanging up on me on the phone and no response from email by anyone. I have letters to serve them with and no body seems willing to help and it has put me in severe financial distress due to having these incorrect things on my credit I've been denied bank accounts home loans and being able to even get a car. Basically almost crippled my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
SunTrust bank failed to prove their account belongs to me. While in the process of validation the account was sold to XXXX XXXX XXXX. 

XXXX XXXX XXXX has also fail proving their account belong to me. Neither SunTrust nor XXXX XXXX  XXXX are Holders in Due Course.

SunTrust reported a balance of {$100000.00} and XXXX XXXX XXXX reported a balance of {$97000.00} each reporting the same account numbers.

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 2020-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
I called us bank in regards to direct deposits coming into my old closed account and needing a form to transfer such said funds into my new account. I was directed on 3 occasions even prior to coming to the bank that I could come into the bank and have them process the form the same day rather than do it through customer service which could take up to 3 business days. When I arrived at the XXXX branch on XXXX in XXXX illinois, the representative was very rude and nasty and showed obvious discontent by rolling her eyes at me when I asked for help. When I asked to speak to her supervisor she refused to let me speak to the supervisor then the branch manager called security on my who made threats to me and cursed at me in front of my children and family. They refused to respond to the customer service matter or have a manager contact me. When I called customer service to verify the information I was told by a supervisor that I was indeed informed  correctly that the bank should have been able to process the form directly. 

Later that day I actually had someone call me from a branch and process the form over the phone. I would also mention I waited over two hours in the drive they line to receive such vulgar and incompetent service.

I also filed an internal complaint with their customer service which has been ignored and not responded to. I called the regional director of the bank branch she also has not returned my phone call.

This is unacceptable for this refusal of service and hold of access to my account. I would request the video be pulled from both sides of the drive thru window to show that even as I was being polite initially to the  representative she was rude argumentative and rolling her eyes was beyond disrespectful.

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 2020-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CORELOGIC INC
State: MD

Complaint narrative:
I have been denied by several apartment rental companies due to old/ inaccurate reporting from previous property rental company XXXX 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 2020-09-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020, I attempted to make a {$3800.00} cash deposit into my savings account, without realizing until after I got home that my transaction receipt reflected {$1800.00}. I immediately called the bank but they were already closed for the day. So I reported the error to Wells Fargo online banking where I was assured the mistake would be found by the teller at the close of the day. The first thing the following morning I called the Wells Fargo XXXX CA branch and spoke with the manager who explained that an error of {$2000.00} had not been reported. Over the past 7 weeks, I've filed a report with the XXXX Police Department, reported the theft to Wells Fargo 's Fraud Department, requested they view the video of my transaction and perform a lie detector test. It's now XX/XX/XXXX and I've received nothing but the run around from Wells Fargo 's managers. They will not tell me what they found on their video or if they ever watched it, nor will they follow up with a lie detector test ( as I've suggested ) for both the teller, XXXX XXXX, and myself. The manager at Wells Fargo, XXXX XXXX, will no longer call me back as promised nor will he return my emails. Guess they think I should just forget about the {$2000.00} their teller, XXXX XXXX, put in her pocket!

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 2020-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CORELOGIC INC
State: MD

Complaint narrative:
Old and inaccurate information remains on my resident screening report which is not allowing me to be approved for new rental housing.

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 2020-09-12 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: GA

Complaint narrative:
I am not sure that I selected the correct items for this complaint. I paid off my car loan with XXXX XXXX XXXX XXXX ( which was more that {$3000.00} ). Yet, my credit score was decreased 13 points and it was given that closing that account was the reason! Why would closing an auto loan account penalize and decrease my credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I opened a new checking account with Chase online. The account set up process was seamless and included an identity verification check as well as a XXXX XXXX report. Upon opening the account, I immediately funded it with a XXXX transfer from my account at XXXX XXXX XXXX. I assumed the entire process was fine and I would have no issues as I've been an existing Chase customer and had a relationship through my Chase Sapphire Preferred card. 

On XX/XX/XXXX, I received an email from Chase informing me that my account was restricted and that I had a new letter on my online portal. The letter informed me that my account was being closed but that I had the opportunity to prevent the closure if I called XXXX. Later that evening, I called the XXXX number and spoke to a representative that informed me that I needed to verify my address using 2 forms of ID at a local chase branch. 

On XX/XX/XXXX, I went to my local Chase branch ( XXXX XXXX, FL XXXX ) where I was informed that there was nothing they could do to prevent the closure as the account had already been closed and could not be reversed from their side. I tried to explain that I had called only yesterday and spoken to a representative who said the only thing I needed to do was verify my address. They said that there was nothing that they could do to reverse the closure at the branch except schedule another appointment next week to open a new checking account. I was told I would be mailed a check with the money I used to fund the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: DE

Complaint narrative:
My name is XXXX XXXX and I am writing about an entry listed on my credit report which does not belong to me and should not be listed. Apparently someone with a similar name to mine filed bankruptcy in the US Bankruptcy Court of XXXX, and it appeared on my credit report. Frustrated I decided to contact the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau, any information relating to any bankruptcy cases. They said it may have come from a 3rd party furnisher called XXXX XXXX. I contacted XXXX XXXX with my address, full name and full social security and they do not have any record. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: DE

Complaint narrative:
My name is XXXX XXXX and I am writing about an entry listed on my credit report which does not belong to me and should not be listed. Apparently someone with a similar name to mine filed bankruptcy in the US Bankruptcy Court of XXXX, and it appeared on my credit report. Frustrated I decided to contact the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau, any information relating to any bankruptcy cases. They said it may have come from a 3rd party furnisher called XXXX XXXX. I contacted XXXX XXXX with my address, full name and full social security and they do not have any record. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it 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
Consumer complaint received 2020-09-12 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: DE

Complaint narrative:
My name is XXXX XXXX and I am writing about an entry listed on my credit report which does not belong to me and should not be listed. Apparently someone with a similar name to mine filed bankruptcy in the US Bankruptcy Court of XXXX, and it appeared on my credit report. Frustrated I decided to contact the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau, any information relating to any bankruptcy cases. They said it may have come from a 3rd party furnisher called XXXX XXXX. I contacted XXXX XXXX with my address, full name and full social security and they do not have any record. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it 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
Consumer complaint received 2020-09-12 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: FL

Complaint narrative:
Per my certified mail receipt the investigation took more than 30 days, it did not resolve the issue and as a penalty for my complaints the credit bureau lowered my credit score by 18 Points despite my paying off 2 loans. My student loans were lowered by XXXX due to forgiveness. The remaining loans were consolidated and interest lowered. 3 negative accounts were removed off my credit and the credit bureaus lowered my Fico score instead of raising it. Today Experian raised the score to what it was prior to the debts being paid off and the student loan reductions.

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 2020-09-12 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/20 I did a balance transfer of {$9800.00} with Citi Diamond Preferred Card for 18 months 0 apr with a balance fee of {$290.00} I got a bill in the mail. There is a minimum payment due for $ XXXX/month. If minimum payment is not paid, a late fee of {$40.00} is charges. Multiple late payments may cause my 0 apr to increase to 29.99 % In the past balance transfers, I dont remember if there was a minimum payment at all.

I think Citibank is taking advantange of the current situation of people having financial difficulties due to pandemic. I think this minimum payment is way too high and the penalties are even worse. I dont believe this practice is fair.

Had I known this minimum payment was going to be implemented at this level, I would not have done a balance transfer. I feel I may be worst off for this balance transfer than if I didnt do it in the first place.

Thanks

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 2020-09-12 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: MS

Complaint narrative:
Im suffering from identity theft and have been trying to correct it for a while. I sent over all required documents to Equifax about 30 days ago. They removed most of my of the items I requested but a account from XXXX XXXX   Account # XXXX they did not remove which was fraudulent and they said it was verified that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: FL

Complaint narrative:
Per my certified mail receipt the investigation took more than 30 days, it did not resolve the issue and as a penalty for my complaints the credit bureau lowered my credit score by 18 Points despite my paying off 2 loans. My student loans were lowered by XXXX due to forgiveness. The remaining loans were consolidated and interest lowered. 3 negative accounts were removed off my credit and the credit bureaus lowered my Fico score instead of raising it. Today XXXX  raised the score to what it was prior to the debts being paid off and the student loan reductions.

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 2020-09-12 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:
Per my certified mail receipt the investigation took more than 30 days, it did not resolve the issue and as a penalty for my complaints the credit bureau lowered my credit score by 18 Points despite my paying off 2 loans. My student loans were lowered by XXXX due to forgiveness. The remaining loans were consolidated and interest lowered. 3 negative accounts were removed off my credit and the credit bureaus lowered my Fico score instead of raising it. Today XXXX  raised the score to what it was prior to the debts being paid off and the student loan reductions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC System is reporting a debt of {$520.00} owed for a XXXX Account that is not mine. Not only is this debt not mine any accounts opened prior to XX/XX/XXXX should have been addressed in my federal Bankruptcy filing on XX/XX/XXXX. Neither XXXX nor IC System at the time contacted myself, my attorney nor the The Federal court. By law if IC System purchased this debt from XXXX they had a legal obligation to mail documentation notifying me of any debt owed, IC system did not do this. Nor have they provided me with any proof that a debt is owed to them. IC System has violated numerous section of the FCRA. I worked really hard to deal with any issues with my creditors during bankruptcy. XXXX had a obligation to show up and collect any debts they feel were owed. They did not. Also I have a current account with XXXX and if a debt was owed to XXXX it would have been due prior to activating services. IC system is attempting to fraudulently collect money they are not owed. I C system has until XX/XX/XXXX to remove this debt from all reporting or my attorney XXXX XXXX will be filing charges against IC system and XXXX on XX/XX/XXXX. This is my final warning to IC System, XXXX and all Credit Agencies you have 30 days to remove this or we will go to court.

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 2020-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: NJ

Complaint narrative:
On XX/XX/2020, I, received a collection letter from Synergetic Communication , Inc, trying to collect on an alleged debt with current creditor : XXXX XXXX XXXX, XXXX, from an alleged original creditor : XXXX XXXX XXXX XXXX I never had anything to do with XXXX, neither XXXX XXXX XXXX XXXX current collection company. I do not recognize this debt, I have no other reason but to believe that I am a victim of Identity theft, the debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion credit agency continues to report XXXX being owed to XXXX XXXX XXXX which was purchased from original creditor XXXX XXXX. This has been removed from the other two credit bureaus.

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 2020-09-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Due to financial difficulties and health problems, I was not able to make payment since XX/XX/XXXX. 
The monthly payment was XXXX XXXX XXXX principal and XXXX interest ) No escrow. 

My balance was XXXX on XX/XX/XXXX. 
I sold the house XX/XX/XXXX. ( 16 months later ) and it took them one week to come up with pay off amount. Finally the said it is XXXX That was XXXX interest, penalties and fees over 16 months. 
In other words, they charged me XXXX MONTH and I find this amount outrageous. 

Looking at the pay off letter, I notice they charged XXXX ESCROW. 

I have been calling them and they do not talk to me because I have a lawyer. 
When my lawyer called, they needed a letter from me authorizing my lawyer to talk to them. 
In the meantime, no money exchange is happening. I do not think the employees understand what they are doing because this can go on for years with their bureaucracy. 

I think this amount for escrow was plugged in by mistake and if we take that amount ( XXXX ) the pay off will make sense.. 

The escrow for XXXX was already accounted for in the closing paper.

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 2020-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Prior to XX/XX/2016 I applied for a credit card and was approved. After losing my job I was unable to pay for the credit card. Being XXXX, with no job and unaware of how credit worked, the credit card was put into collections for {$600.00} on the date stated above. After learning more about credit I am now in the process of fixing my credit score. 

The reason I am reaching out to CFPD is because I have attempted to reach out to Midland Credit Management multiple times to settle the debt but have not been successful due to what that are saying is migration issues on their end.

Company response to consumer: Closed with explanation