vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-22 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:
In XX/XX/XXXX I applied for a XXXX XXXX credit card and was denied. In the denial letter, XXXX stated that the denial was based on negative information reported by TransUnion. After contacting TransUnion and receiving a copy of my credit report, I was informed by TransUnion that I had no negative information that could have been used in XXXX XXXX  decision. After days and hours on the phone, I was finally able to contact a representative from XXXX who informed me that their internal records system showed I still had a negative account from XXXX ending in # XXXX. This is an error on XXXX XXXX  end, as this account was included in a Chapter XXXX Bankruptcy in XXXX. XXXX declined my application for a credit card 12 years after the fact using internal records and data information that was not provided to any of the 3 credit bureaus, yet it was the main piece of information used against me when judging my creditworthiness. This behavior is unacceptable to me, to use outdated internal information ( that is actually incorrect and should have been properly been listed as " included in BK in XXXX '' ) for a credit decision that the consumer doesn't even have access to and can't properly dispute through the credit bureaus. I was able to obtain the address for XXXX XXXX  internal dispute department and wrote them on two separate occasions, yet have not received any type of communication from them. Please assist me in this matter, as XXXX is completely ignoring me. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: TX

Complaint narrative:
On XX/XX/XXXX complaint XXXX was submitted through CFPB for 3 inquiries from XXXX  XXXX from dates : XX/XX/XXXX, XX/XX/XXXX with Transunion and XXXX, and XX/XX/XXXX with Transunion, XXXX  and XXXX. XXXX XXXX kindly answered that was going to take them off, on the answer to CFPB. 

The Credit Agencies neglect to take the inquiries off, even showing the answer from the Bank, and answer me that the Bank needs to take them off. 

Please act according to the answer submited to CFPB, on your previous answer.

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 2020-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
Debt has been paid in full plus overpayment. I reached out to them about the balance before it was paid in full because I knew it was incorrect but the did not respond. They also did not correct the issue. 
After I paid the debt in full onths later, they sent me a repayment check for the overpayment amount. However, the check was not able to be deposited bc their account numbers on the check are incorrect. After calling numerous times trying to get information, the account team found sent me a form to sign sayimg they would cut me a new check as long as I signed the form saying I would not try cashing the other check ( mind you it is fraudulent and not able to be cashed or deposited ). I signed and returned the form. 
SINCE I had been dealing with the issue for over 3 weeks I personally went to the office to pick up a new check. The new check they gave me IS ALSO A BAD CHECK!!!! The bank and the agemcy say it is a direct issue with theor account. 
I have since reached out via emails and phone calls. They will not return my calls. I am at a loss of what to do to get funds.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
TransUnion will not send a copy of the current information that they have in my regard to the address that they have on file. The same address to which they have sent 3 requests to " provide them with an address ''. See complaint # XXXX-XXXX. Their response to this complaint did not apply to the situation. It was a general response to someone questioning items on a Credit Report. No attempt was made on your behalf to require them to send me a report. The only thing that they did was send another request for " an address '' to the same address that they already have. Please investigate - not just send this complaint to them. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery is re-aging debt on my credit reports. After a filing disputes with several credit bureaus the company continues to report several account open dates as the dates they acquired the debts from the original creditors, therefore extending the purge from date on a derogatory account changing it to be more current than the date of the original default, resulting in the account hanging on my credit reports longer than allowed under the law. Per FCRA, any changing of the date of first delinquency, the date of default, or the purge from date on an account is illegal. I have attached all the documents they have sent further proving that the action they keep performing is illegally re-aging a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I call and call and call asking about my payoff quote and they refuse to give me the payoff amount. I've provided all the documentation they've requested. They keep saying their " sorry '' but they refuse to let me payoff the loan.

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 2020-06-22 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: MO

Complaint narrative:
There are 3 fraudulent accounts that continue to report on my Equifax credit report. On XX/XX/20, I notified Equifax of the fraud by submitting an official FTC Identity Report. Equifax has not blocked or removed the listed fraud : XXXX XXXX XXXX  XXXX {$3400.00} XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX  {$0.00} Hard Inquiry : XXXX/XXXX  XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX IL {$100.00} I have been trying to work with Macys for months they took it off closed my card and gave me a new card. Can you please help me as they are charging me late charges and intrest and they are reporting me to the credit bureau

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 2020-06-22 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: LA

Complaint narrative:
I reached out to the bureaus explained to them by law the had to ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. 
I was a victim of identity theft since XXXX I tried to get them to do their job .I sent in ftcs, asked them to investigate the accounts and blocked them the refused too, they have addresses that don't belong to me on my report, jobs, names and etc .I sent the companies letters too over the course of 2-4 months with no reply. ive called spoke to reps asked them to please fix this, I got sick with virus so I stopped for a lil while than my grandmother died due to the virus and I couldn't even get a loan to help cover the funeral expenses because the bureaus refuse to do their job.I explained to them how things happened In my life that could've lead to this, I put it in ftc report like I was told to do by someone when I called, I was robbed walking home from work some time ago, I had all my personal items in there I didn't know I was supposed to check my credit I pulled my credit to get a loan to bury my dad that's when I learned of a these fraud accounts on my credit report .I didn't open these accounts or give anyone permission too .i explained that one of my first cousins and I have the same name I haven't seen her in years and we both stayed at the family house we grew up together in .they had a person name XXXX XXXX and all type of bad information on my credit profile .I asked for them to send me what they have from companies saying these accounts are mine because theyre not. please help me /.I am in a crisis lost my job, lost my grandmother and these people have me on the edge I will be looking into getting an attorney to sue I am emotionally distressed this is wrong .XXXX  is the worst they don't even budge to try to follow the law.can u please have them send me what they used to determine these accounts was mine because their lying their fraudulent this has cost me so much stress

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 2020-06-22 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: LA

Complaint narrative:
I reached out to the bureaus explained to them by law the had to ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. 
I was a victim of identity theft since XXXX I tried to get them to do their job .I sent in ftcs, asked them to investigate the accounts and blocked them the refused too, they have addresses that don't belong to me on my report, jobs, names and etc .I sent the companies letters too over the course of 2-4 months with no reply. ive called spoke to reps asked them to please fix this, I got sick with virus so I stopped for a lil while than my grandmother died due to the virus and I couldn't even get a loan to help cover the funeral expenses because the bureaus refuse to do their job.I explained to them how things happened In my life that could've lead to this, I put it in ftc report like I was told to do by someone when I called, I was robbed walking home from work some time ago, I had all my personal items in there I didn't know I was supposed to check my credit I pulled my credit to get a loan to bury my dad that's when I learned of a these fraud accounts on my credit report .I didn't open these accounts or give anyone permission too .i explained that one of my first cousins and I have the same name I haven't seen her in years and we both stayed at the family house we grew up together in .they had a person name XXXX XXXX and all type of bad information on my credit profile .I asked for them to send me what they have from companies saying these accounts are mine because theyre not. please help me /.I am in a crisis lost my job, lost my grandmother and these people have me on the edge I will be looking into getting an attorney to sue I am emotionally distressed this is wrong .XXXX  is the worst they don't even budge to try to follow the law.can u please have them send me what they used to determine these accounts was mine because their lying their fraudulent this has cost me so much stress

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 2020-06-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/2020 I received a letter from Shellpoint Mortgage informing me I could be eligible for up to {$10000.00} in HAMP incentives towards my principal balance. In the following paragraph it describes a opportunity to recast my mortgage. The amount with the recast was {$10000.00} higher ( total interest paid over remaining Life of Loan ) than without the recast. Everywhere I looked, it read this should not be the case. When I called Shellpoint they said it was part of the HAMP Program. I still thought it was odd that re-casting cost more in the long run. Then Covid hit and I thought that I had better opt for the recast and hope for the {$10000.00} incentive from HAMP. I still don't know if I am eligible for the other {$5000.00} at a later date. I still don't understand why my long term interest payment would be higher. And I got another letter saying that XXXX is due for XX/XX/XXXX and I have no idea what that is. I called early this morning and XXXX XXXX couldn't find out where that number was from. XXXX XXXX has limited info about HAMP loans and referred me to the Escalation dept and they send letters with information without explaining why. This is the way it has been. No one really seems to know what why the numbers are the way they are They are trying hard and seem to be guessing but that is not fair to us when we pay our mortgages. We need correct answers and help. I don't think it is fair for people to be told to call when they do that over and over and no one can help. It is a waste of time and not good business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I, XXXX XXXX, and my friend, XXXX XXXX, went on XX/XX/2020 to bank to create a checking account. I had decided to create the checking account for my self, due to a referral coupon that my friend XXXX had sent me. The coupon is attached to this message. Upon arrival at the bank I went through the process of creating the account and showed the banker the email for the coupon off of my phone so that my friend could receive his {$50.00} referral bonus and I could eventually receive {$200.00} after completing the terms of the offer. 

After creating the account, applying the coupon, and leaving my friend noticed that he has not yet received the account credit. He waited a few days and then contacted chase through the online banking chat portal. The chat representatives informed him that they are unable to help him and that he would need to go into the bank. However, the banks around his house were all closed/on limited hours due to the corona virus pandemic. 

As a result I created an appointment with the original bank I created the account with in order to resolve the issue, as I had not received the {$200.00} coupon bonus for completing the terms of the agreement. The original banker was that there, another employee informed us that she was unable to find any records and that she could not help me. 

After leaving the original banked called me to inform, he told me that if I had showed him the coupon he would've put it in and that he would be unable to help me. I can guarantee you I showed him the coupon, directly from my email on my phone, and since I opened the account with my friend he is willing to serve as a witness that I had done so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
close my account with no explanation Frozen one of my accounts with no explanation I've had checks bounced I've had my car almost repoed my kids have set and with no electricity for hours in a hot house cuz I can't pay my bills they have told me story after story my account was closed because of this then my account was closed because of that and that my account was never closed for any reason at all.now the baby should be a check a month later after he crying and screaming and begging the ticket stolen now they won't pay me my money they're saying it was cashed when it wasn't or if it was it won't tell me who did it it's craziness

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 2020-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I applied for a refinance back in XX/XX/2020 and I was approved and all set with the mortgage. 

However, I come to find out New Rez, XXXX XXXX, had cancelled the mortgage without notifying me. 

I paid for the appraisal XXXX. And my credit score dropped because of this process. 

I then spoke XXXX XXXX XXXX XXXX who told me I had to apply again XXXX I did but he has been unresponsive for over 3 weeks. 

I have tried to speak with managers, and others with no luck. 

Vincents information XXXX XXXX Mortgage Consultant NMLS # XXXX P XXXX F XXXX M XXXX XXXX XXXX XXXX information XXXX XXXX Processor P XXXX F XXXX XXXX XXXX NewRez LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22 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: TX

Complaint narrative:
On XX/XX/XXXX complaint XXXX-XXXX  was submitted through CFPB for 2 unauthorized inquiries from XXXX XXXX from dates : XX/XX/XXXX, and XX/XX/XXXX with Experian. XXXX answered that was going to them off, on the answer to CFPB. The Credit Agency neglect to take the inquiries off, even showing the answer from the Bank, and answer me that the Bank needs to take them off. Please act according to the answer submitted to CFPB, on your previous answer

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 2020-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Hello, I am trying to access my XXXX app and it keeps on saying that the bank is having connectivity issues

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
XX/XX/2020, XX/XX/2020, XX/XX/XXXX, XX/XX/2020, XX/XX/2020 Lakeview Loan Servicing llc Contacted me By Leaving XXXX XXXX At My Front Door, After My Repeated Request to Stop Sending  Packages to me. I am unsure if it is a Marketing Strategy or an  attempt to colllect a debt that I do Not owe. I want the XXXX Packages to STOP!!!

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