vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Ive been trying to correct incorrect reporting on my bureaus showing that I have filed a bankruptcy. TransUnion advised that their verification source is XXXX XXXX  XXXX Michigan and provided address. I then reached out to the courthouse directly asking if they verified as transunion stated in dispute results. They sent a letter back advising that they do not share bankruptcy filing info with with bureaus. This is a clear violation of FCRA and Im requesting that they remove this item from my bureaus 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 non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Our loan was sold to Mr. Cooper with the terms that we would not be paying escrow on our city taxes ; escrow would only be for our flood insurance. When transferred to Mr. Cooper, they added the city and flood insurance escrow cost. They took our escrow funds and paid our quarterly city taxes which reduced our escrow account ; we put a request in right away to fix this issue as we had also paid our city taxes ( and are still waiting to get that check refunded from the city ). They declined the request without contacting us and only found out about the decline after we called back to find out why the escrow wasn't resolved. After a 3 hour hold we were escalated and told that the analysis came back and we were actually able to remove all escrow from our mortgage and that it would be completed within the week. It has now been a week later and the escrow is showing a shortage and we are now being asked to pay {$500.00} more on our mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Chime Financial Inc
State: FL

Complaint narrative:
I called chime on the week of XX/XX/XXXX to let them know that someone was trying to use it and they told me that they will close my card ( which they never did ) they sent me an email stating that my card was disabled and I will get a new one in the mail. Days later I see that 2 transactions were approved and taken out. 
1 ) was on XXXX XXXX for {$310.00} 2 ) was on XXXX XXXX for {$250.00} I have called the bank numerous time and sent them then email whos states that my card was disabled and they say they have not found any fraud done in my account. I have made a complaint with my hometown district attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I paid XXXX XXXX XXXX who was handling the account for them. The company said they updated them but still shows XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
WE ARE IN THE PROCESS OF SELING THE HOUSE. 
WE NEED AT CLOSING THE PAYOFF BALANCE WITH HISTORY AND DISCLOSURES OF ALL DETAILS OF THE FINAL AMOUT DEW. 

SHELLPOINT, THE SERVICER CO., IS REFUSING TO DISCLOSE THE DETAILED INFORMATION ABOUT THE " DFERRED BALLANCE " IN EXCESE OF {$200000.00}.

WE WILL NOT BE ABLE TO CLOSE WITHOUT BEING ABLE TO ACCOUNT FOR THIS " DIFFERED BALLANCE " SHELPOINT CLAIMS IT HAS NO PERMISSION TO DISCLOSE THIS INFORMATION.

OUR ACCOUNTANT WILL NOT BE ABLE TO CLOSE THIS CASE WITHOUT THIS IMPORTANT INFORMATION.

SHELPOINT CLAIMS THIS " DIFFERED BALLANCE " IS THE RESULT OF A LOAN MODIFICATION. 
WE AGREE WITH THIS INFORMATION HOWEVER A DETAILED HISTORY WITH FIGURES AND DATES HAS TO BE DISCLOSED FOR THE PAYOFF TO BE FAIR, ACCURATE AND CORRECT. 

BEST REGARDS, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PNC Bank N.A.
State: MO

Complaint narrative:
My vehicle was repossessed on XX/XX/22. I called them to get the balance I needed to pay in order to get the car back they told me I needed to do a quick collect payment or pay at branch. There are no branches near me and no one does quick collect payments near me. I paid XXXX via check free pay on XX/XX/22. I verified with check free pay that my payment was delivered and now it is XX/XX/22 and they still cant find my payment and are refusing to release the vehicle even after I sent in receipts. This is affecting my life in a negative way and this is fraud as they have almost XXXX dollars and are refusing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Back on XX/XX/19 I made a payment on my CapitalOne QuickSilver card for {$2300.00}. I made the payment via my Debit Card which is what I was instructed to do. In the past I have made payments via my checking account through bill pay and they were put on immediate hold and then have to have the customer service agent conference in my bank to verify and release the hold. I noticed that the {$2300.00} was not applied to my account. I reached out to customer service and was told the payment was put on a 26 day hold. 26 days!!! Was told they have no explanation and there was nothing they could do about it. Asked to speak to a supervisor, was told the same thing. No explanation or reason as to why and their was nothing they could do about it. I asked if we could call my bank and verify funds. Was told no - not with a system generated hold. Asked if they could return my payment, that I would make it in smaller amounts if that would help. Was told no. It is absolutely unfair and possibly illegal to take some ones money, process the payment and then not apply it to the account. 26 days is just ridiculous. I did everything I was told on how to make my payments so there were no issues. I have never had an issue with any of my CapitalOne accounts. No reason why my funds should be held and unavailable to me for 26 days. I did a XXXX search on 26 Day CapitalOne payment holds. Their are thousands of other people out there experiencing this. Some who don't have the means to have their funds being held for no reason do to a system hold. I am contemplating legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was issued a credit card with a {$48000.00} credit limit, and the company closed my card without my acknowledgment or consent. The card had a 0 % interest rate for 12 months which has been closed as well, I believe. I havent received any communication from the company other than when I called to report my credit card not working and the representative stating that my account was under review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Equifax several times to remove the account reported by XXXX XXXX XXXX. This report has been paid in full since XX/XX/XXXX, and XXXX has verified that they reported to each credit bureau to delete the account. All other credit bureaus have removed the account except equifax. I called equifax on XX/XX/XXXX to dispute the account again. The representative stated that she had put in a dispute to have the account removed. I called on Tuesday, XX/XX/XXXX to follow up on the dispute since I have not received any information. When my account was reviewed, it was seen that no dispute was ever made on that account which means that the representative lied about forming a dispute. This has caused me unnecessary time to try and get corrected due to the account should have been deleted in XX/XX/XXXX, when the other credit bureaus accurately removed the account from my credit report. Equifax does not update reports in a timely manner and you have to continuously call and try to get help disputing items, when in fact, they never try and dispute anything. They are not following any of the credit reporting guidelines set forth by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/2022, I initiated a wire transfer with Marcus by Goldman Sachs to close on the purchase of my new home. I was told that since I initiated the transfer before XXXX XXXX ET ( it was scheduled at XXXX XXXX ET ) that it would transact on the same business day. 

I called Marcus at XXXX XXXX ET to see why the wire had not gone through and they told me it was in review and that it would go through before close of business. 

At XXXX XXXX ET I called back to check and they told me that while they do sometimes wire transfer funds to third parties, that exception would not be granted to me. They told me that the best they could do was send the money to my personal external account and since it was after XXXX XXXX  ET, I wouldnt receive the funds until the next day. 

At this point Id already missed closing on my home purchase, so initiated the wire transfer to my personal account and waited until the next business day to check if the funds had transferred. 

They hadnt. 

As of now, the funds are still not in my account and I still have not closed on my home purchase. I deposited a very large sum of money in my Marcus account and it appears that I cant take it out. Im concerned and frustrated by their incompetence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Charges from XXXX and XXXX  And XXXX along with associating cash advance fees were charged to my card without my knowledge totaling around {$9000.00}. Barclays was notified of these charges and started a dispute investigation only to recently reapply {$7000.00} back to my account. No message or letter or any further communication from Barclays.

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 2022-03-24 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
according to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. 

- Date opened has two different dates - date active has two different dates

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 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
They have issued fees to my checking account in regards to atm transactions and debit card transactions which is against the Overdraft Protection Act of XXXX. I have reached out to them to have them reverse the fees and they have denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
according to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. 

- Date opened has two different dates - date active has two different dates

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 2022-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The following accounts are inaccurate and fraudulent. I did not own the following debt. 



XXXX XXXX  XXXX XXXX / XXXX / {$730.00} XXXX  XXXX XXXX XXXX XXXX / {$230.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
I received a bill from Online Information services for a debt that had incurred from XXXX of 2021 from an energy company- XXXX XXXX based in North Carolina XXXX I had never living in North Carolina nor have I ever requested the services of XXXX XXXX. The bill was for {$860.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The following accounts are inaccurate and fraudulent. I did not own the following debt. 



XXXX XXXX  XXXX XXXX / XXXX / {$730.00} XXXX  XXXX XXXX XXXX XXXX / {$230.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had a loan by line of credit loan from 5th third bank on XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MI XXXX against my condominium. I paid loan in XX/XX/2021. But I did not get statement of interest paid from Bank yet ..my address changed and letter if mailed was not forwarded to new address.

I called company the above Bank XXXX XXXX XXXX two times last 15days, Bank promised to send but did not do at my new address ..... 
please help thanks XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On Monday, XX/XX/2022, I was checking my checking account and noticed that the account was much lower than I thought. When I checked the history, I noticed 2 checks were deposited on Friday, XX/XX/2022 for the same amount each, with check numbers I have not reached in my account. When I looked at the checks deposited, it had my business information and my signature, with recipient information to someone I do not know. I addressed it with my bank immediately, as well as, I addressed it on my online banking security portal to " block '' the payments. I blocked both checks and my bank was able to receive the request in time to reverse the withdrawals and return the funds to my account by XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The following accounts are inaccurate and fraudulent. I did not own the following debt. 



XXXX XXXX XXXX / XXXX / {$230.00}

Company response to consumer: Closed with explanation