vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 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: IL

Complaint narrative:
I written a letter to XXXX and Equifax disputing a bankruptcy on my credit report. They replied to be that they contacted the bankruptcy court and the court verify that they reported it. which is false. XXXX and Equifax violated the FCRA. I contacted the United States Bankruptcy Court of Northern District of Illinois. They told me that the court do not report any bankruptcies to credit bureaus, That a third party reports to credit bureaus. And a third party can not report. They also sent me a letter stating they don't report to any credit bureaus. This is what XXXX wrote to me : The dispute for the bankruptcy named US BKPT CT IL XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. 
Source : XXXX  Date Submitted : XX/XX/2021 Report Number : XXXX Court Name : US BKPT CT IL XXXX Address : Northern Dist - Eastern Div XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX , IL XXXX Type of Record : Bankruptcy Reference Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Debtor alleging that i owe a debt and not receiving any benefits

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/2021, I opened a One Deposit Checking account with Citizens Bank, through XXXX XXXX ( Branch Manager of Retail Banking ) in anticipation of using Citizens Bank for our home mortgage. We ended up using a different lender and contacted XXXX XXXX, in writing, to close our checking account and to have the funds mailed to our home address. He confirmed, in writing, that he would take care of that day. To our surprise, the account has never been closed. I reached out to XXXX XXXX, again, on XX/XX/XXXX, requesting, in writing, that the account be closed and the funds be mailed to our home address. Again, this request went unfulfilled. On XX/XX/XXXX I attempted to close the account through Citizens Bank Customer Service, who then informed me that they can't close an account over the phone when it has more than {$50.00} in it. The only way to close the account is for me to transfer the money out, wait one business day, and then call them back to close it. These types of delay tactics, where banks push the onus back onto the consumer, are precisely designed to have consumers forget and/or give up. I requested, twice, in writing for the account to be closed and provided the address to mail the funds. It is illegal to ignore these requests. I now have to go through a more onerous process to close the account. I suspect I am not the only consumer facing this type of issue with Citizens Bank, which is why I am reporting it. Thank you so much for your help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Name and address is not correct if sent in a dispute letters XX/XX/2021 and haven't received a response. This is causing great 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 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
i signed up for the paypal mastercard back in XXXX XXXX the new card member offer was to receive 4 % cashback up to {$200.00} for all purchases made. then the card earns 2 % cashback on all other purchases. I never received 4 % cashback ever. I only received 2 % cashback the entire time. 
i have attached the confirmation of the offer. i reached out to paypal multiple times and nothing has been resolved. they give me the run around.

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 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Some time around XX/XX/XXXX. I purchased internet service from XXXX XXXX XXXX. They did not send all the pieces required for my modem to work. So I wasnt able to use my internet for the first week of purchase. I called and complaind about not receiving all the pieces for my modem. The XXXX XXXX XXXX agent told me clearly, since Im a first time customer and I didnt not receive everything in my box for my modem to work, its on them to send out a technician with that missing piece and to make sure my service start working. Its a self install kit so I didnt require a technician. The XXXX XXXX XXXX agent told me in this case I wouldnt have to pay for the technician. I ask her a couple times because I know the call is being recorded. But when I get my bill they trying to charge {$100.00} for technician. I thought I was deceived so I decided not to pay. I keep calling for weeks to get a manager to review my call because I was misinformed. So far to no avail. The next thing I know 2 weeks ago XX/XX/XXXX XXXX XXXX XXXX  hit my credit report for {$330.00}, for what, I dont know because I returned their modem. I was misinformed by the XXXX XXXX XXXX agent and I think its very unfair to pay for their incompetence. I did not ask for a technician, they decided to send me one. Please help me get this situation resolved ASAP. Its on 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 2021-09-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I never got my government money all the way backfill XXXX still never got my end card or check.

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 2021-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I started a loan with the company. I am never late with payments however I am overpaying in interest. The interest is taking the majority of my Money. I just paid on my loan and the whole amount went into interest. I feel this is fraudulent and taking advantage of the consumers. I will never be able to pay this loan off at this rate.

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 2021-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I have been working with loan care for over 10 months now. I did a refi in XXXX, and have been making payments regularly since, each time involves calling and a bunch of XXXX.I reached out to you XXXX a couple months back and for a small moment things were oknow here I am again going through you XXXX for help! 

Here I am not able to make a payment on my account via the APP, online or via telephone. So upon calling and going through 20 plus minutes of prompts to talk with a person, I come to find out their is a freeze on my account stopping me from being able to make MY MONTHLY PAYMENT. No call/letter or email stating why, then after being on hold and speaking to 6 different departments my calls are dropped. Whats going on with this place, what a JOKE.

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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On Date I 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 like im being take advantage of and being ignored of my disputes. Section 611 ( a ). Its plainly stated that a failure to investigate these items within 30 days 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 t will file a litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the SECURITYCRED ( Original Creditor : XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2021 <<<ADDRESS>>> Dear Sir or Madam : I am writing this email to kindly request your help regarding an identity theft incident I have been a victim of. My phone number has been transferred to another SIM card and then used by another person to withdraw money from my bank account. I could not file a police report because Chase is unable to provide an affidavit of fraud which is required by the police department. Neither Chase or XXXX is willing to take any actions on this matter and thus I have arrived at an impasse that has so far proven impossible to overcome. 

First, let me briefly explain what happened. On XX/XX/2021, my phone suddenly lost service. Once I contacted XXXX customer service, I was informed that my number had been transferred to a different SIM card. According to the XXXX representative XXXX spoke with, this transfer occurred at XXXX XXXX  EST. Subsequently, it was disabled at XXXX XXXX   EST. Thus, between XXXX XXXX  and XXXX XXXX  EST, my number was being used by another individual. That same day, at XXXX XXXX  EST, the same phone number was used to make an unauthorized money transfer through my bank ( Chase ). The wire transfer was made for an amount of {$4900.00} to a XXXX XXXX XXXX XXXX Bank account under the name of XXXX XXXX. 

After contacting XXXX, I attempted to file a police report. However, I was informed that in order to do so, I would need a written statement from Chase. Chase in turn requested a letter from XXXX detailing the number transfer that occurred ( which has been confirmed for me by phone already ). However, XXXX informed me that I would need to file the police report first. When I went back to the police, they still insisted on a Affidavit of Fraud from the bank. 

As I have run out of avenues to pursue in this matter, I am turning to you for help in resolving this situation. I would sincerely appreciate any guidance that might lead to moving the matter forward. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Name and address is not correct if sent in a dispute letters XX/XX/2021 and haven't received a response. This is causing great 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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Name and address is not correct if sent in a dispute letters XX/XX/2021 and haven't received a response. This is causing great stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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:
FCRA Violations ; not mine ; Numbers, addresses, and accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily Account name XXXX XXXX, XXXX. 
Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Account name XXXX  XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: PA

Complaint narrative:
On XX/XX/2021 I sent a debt validation letter to IC systems and got no response from them they had 30 days to respond by law they failed to provide me with documentation to prove that the alleged debt belongs to me. They received the certified letter on XX/XX/XXXX its been over 30 days and no response. This is affecting my credit worthiness I want this removed of all the CRA 's immedietely or I will be pursuing legal matters on this matter as a federally protected consumer. 


you will find the proof of the certified letter, proof of the company received the letter and never responded within the 30 days.

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 2021-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NV

Complaint narrative:
I received a PPP loan from the SBA in early XX/XX/. I had it deposited in the BBVA account ( which was originally an account I had with an online bank called Simple which was acquired by BBVA- which is now acquired by PNC or something ). The original amount was {$12000.00}. I started to make withdrawals according to the forgiveness rules of the PPP loan of $ XXXX as my " paychecks ''. After going through an arduous process of verifying myself each time I decided after the 3rd time to just get my money out of BBVA and move it to my credit union account. BBVA then claimed I had a $ XXXX  monthly withdrawal limit ( keep in mind, I didn't open this account with them, they acquired my account and applied their rules to it ). They originally told me my Simple ATM card would work but it never did and they wouldn't send me a BBVA ATM card. 

At some point in late XXXX they claimed there was suspicious activity and shut my account access down completely. After several calls to the " Fraud '' dept. I was told they had up to 45 days to " investigate '' and they couldn't give me any details. 

I waited until mid XXXX to follow up again and was told ( after sitting on hold for at least an hour 3 separate times ) that they decided to close my account and would be sending me a check for the remaining balance of $ XXXX. It's been almost a month and I still haven't seen any check and still can't get any answers from them. In the end they've held my remaining balance for 2.5 months and counting without ever telling me why. 

This was money given to me by the SBA as a loan but forgivable if I withdrew it in the proper manner which BBVA has completely interfered with and which may cost me the ability to get the loan forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I entered a forbearance plan with my mortgage company, XXXX XXXX. Shortly after, XXXX XXXX  hit my credit with a 60 days late during the forbearance period of XX/XX/2021 to XX/XX/2021. I contacted them about the issue and they sent me a credit correction letter and assured me the information would be updated and it was temporarily. My credit was restored and the late reports were removed. I continued making payments as instructed by XXXX XXXX  for the months XXXX, XXXX, and XX/XX/2021 and was officially removed from the forbearance plan. I then paid the remaining balance for the months missed in XXXX, XXXX, and XX/XX/2021 during the forbearance when I made the XX/XX/2021 payment. This particular payment in XXXX was for over {$12000.00}. Therefore, I was caught up completely and never paid anything late. Sometime after making the large payment in XXXX, XXXX XXXX  reported another 60 day late to the credit bureaus, despite all my payments being made according to their direction. I have contacted the company ( XXXX XXXX  ) for more than 30 days and have received no cooperation in fixing the matter. XXXX XXXX  denies reporting late payments to the credit bureaus entirely. I have filed disputes with the credit bureaus and I am still waiting on the results from XXXX and XXXX. Equifax however, sustained the late notices on my account which has continued to negatively affect my credit and has prevented my wife and I from purchasing and financing a much needed vehicle. Furthermore, the documents submitted to Equifax by XXXX XXXX  are inaccurate and do not show valid payment history as it was paid and received. Based on the above, the months for which I am being reported late should have been covered under the forbearance plan by law. I have copies of all of the documents required to prove this case with a doubt. It is my request to file a complaint with both XXXX XXXX  and the Equifax reporting agency. I would also like these documents supporting my case to be afforded to XXXX and XXXX so that I may clear my name in this matter. Attached you will find redacted documents showing the payments being made from my bank account. You will also find a copies of the credit correction letter and forbearance letter sent to me from XXXX XXXX. I have included the delinquency pages from all three credit bureaus as well as the sustained results from Equifax. Thank you for time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
Loan Depot XXXX LLC. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX We tried to make a substantial loan payment. We were sent wire instructions, went to our XXXXXXXX XXXX, wired funds per Loan Depot wire instructions to their XXXXXXXX XXXX XXXX Account. Funds were received on XX/XX/2021. Loan Depot , LLC refusing to accept funds, tasking us with undue hardship and further financial burdens. We have refused multiple ways to send a substantial payment on our recently acquired mortgage. This is a criminal act and against any and all documentation received during loan process. There is no early pre-payment penalties. We have no way to make a substantial payment against our mortgage. Loan Depot is unjustly charging interest on a payment we have made, that they refuse to accept, per their own process and instruction. 
We seek damages for any and all interest, serious undue hardship and our funds have been in limbo for now 5 days. Loan Depot , LLC loan practices are now illegal, and we seek any and all remedies from this Bureau and the multiple Attorney General Offices of the United States of America, Florida and Texas.

Company response to consumer: Closed with explanation