vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: VA

Complaint narrative:
I was granted 100 % property tax exemption in XX/XX/XXXX, but CMG mortgage lender repeatedly ignores this fact. An escrow analysis has been performed wrong several times- while monthly payments to escrow for taxes have continued to be collected ; recently an annual escrow analysis showed there to be a surplus amount of {$1300.00} in my account scheduled to be returned to me within 20 days of the analysis performed on XX/XX/XXXX however within that time an additional erroneous escrow analysis was performed with incorrect amounts and using property tax rates prior to the tax exemption, this was done in order to avoid paying out my escrow surplus. I have been trying for many months to get in touch with a supervisor and am unable to, I have brought up the incorrect amounts to customer service and have been given different answers and instructions and subsequently informed that my account would be fixed by a certain date, that gets rescheduled every time the prior date passes. My insurance was also wrong and was not being paid through escrow, but was getting collected as if it were. This problem has been ongoing since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: VA

Complaint narrative:
I believe Equifax is not conducting reasonable investigations. They are reporting unfair and unverifed accounts on my credit report ; they did not provide me documentation how they verified the accuracy of these accounts and I have asked them to reinvestigate and they failed again to remove the accounts. 
These are unduly accounts. 
Account. XXXX XXXX XXXX and XXXX XXXX were not able to verify these accounts and they quickly removed them. I have provided the deletion documentation to equifax and they are still " verifying '' these unfair and unverified accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/2020, I simply asked about a few checks on hold and when they would be released. In return, I was asked why doesnt your relatives have the same last name as you? why do you have so many relatives? Why dont you come into the bank with your so called relatives and show the bank that you really have that many relatives? Indeed, I came from a big family, a loving family that would lend me help whenever I needed it. I am proud of my last name, so does every other XXXX, we do not simply change our last name due to marriage. What did I get in return for pointing out racism to XXXX? XXXX suspended and terminated my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-17 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Chrysler Capital financed my car a XXXX XXXX XXXX it was totaled in an accident by another insured driver in XXXX of XXXX. My insurance Company Paid a settlement of over {$15000.00} and They were ready in 6 days to finalize the settlement from the date of loss. Chrysler Capital kept MY insurance company XXXX XXXX XXXX XXXX waiting til the first offer expired in 45 days. not only that they did not send my XXXX XXXX company XXXX XXXX XXXX XXXX XXXX a copy of the police report and this delayed the process further. I called Chrysler Capital repeatedly on behalf of my insurance company XXXX XXXX XXXX XXXX XXXX they ask me to call XXXX so the check for pay on the settlement would not cancel by issued date.And XXXX wanted to pickup the total loss car that they settled for. Furthermore, it was not Until XXXX, XXXX that I was told to contact my Gap insurance company. XXXX XXXX informed me that Chysler Capital did not send them the police report and this report was in the file from XXXX that had to be sent over with both company communicating specifications of the accident. Why I was appalled and after I gave my copy of the police report XXXX XXXX XXXX issued the balance on the car ( see uploaded documents ) .XXXX  XXXX, XXXX the check was sent for XXXX from XXXX XXXXXXXX XXXX XXXX XXXX settle the account in full.Chrysler Capital wrongfully charged my credit account of as bad debt on my credit report and still arre trying to blame me for there teams errors and i want help. I am still being XXXX by them with a letter to date of XX/XX/XXXX. I've submitted this documentation to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17 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: LA

Complaint narrative:
On XX/XX/21 a fraudulent inquiry by XXXX XXXX was made 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 2021-05-17 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
I am refinancing my loan with Newrez, they said the loan process should take about XXXX  days, but they are almost at the XXXX day mark. I have been conditionally approved for XXXX  months now, I have signed paper work that said the loan would be done on XX/XX/21. I have tried to contact multiple people from the company including their team leader, which I assume is management. No one is calling or emailing me back and on my loan page they keep changing the estimated closing date, without out notifying me for a reason or that they are doing it. They have changed the estimated closing date XXXX times already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Approximately XXXX XXXX, 2021 I applied for auto financing with Dealer : XXXX with my Credit Card pursuant to ( 15 USC 1602 ( I ) )XXXX XXXX sent the request to JPMORGAN CHASE BANK, N.A.XXXX On XXXX, XXXX 2021 JPMORGAN  CHASE BANK sent me an Adverse Action Letter Denying me Credit. To my understanding Credit is a right not a privilege. JPMORGAN CHASE BANK, N.A has violated my right to extend credit under ( 15 USC 1602 ( g ) ) and ( 15 USC 1681 ) TILA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: CA

Complaint narrative:
There are XXXX accounts and XXXX addresses listed on my credit that I don't recognize or it doesn't belong to me. Can you please kindly remove it? 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 2021-05-17 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: CA

Complaint narrative:
There are XXXX accounts and XXXX addresses listed on my credit that I don't recognize or it doesn't belong to me. Can you please kindly remove it? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I made a purchase at XXXX. I returned the item and XXXX XXXX XXXX  received the money on XX/XX/XXXX and they are holding the money. XXXX XXXX is saying XXXX is holding my money but after checking with XXXX they said that wasn't true. They will not release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC
State: AR

Complaint narrative:
creditor agreed to eliminate this debt when paid and is now appearing on my report as a paid collection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I got first notice of debt on credit report. I call GLA collection in XXXX ky and asked about credit report. Was told my old address XXXX  where they were sending statement and statements not forwarded. I gave them my correct address, they offered settlement. I asked verification of debt. Was told not their problem. I sent email requesting verification, giot a print out of amount owed. No who, when XXXX just amount of each account. I started paying known accounts and asked verification on unknown. They refused again. I have paid more accounts and they agreed to withhold reporting until XX/XX/XXXX to give me time to pay. I have been paying XXXX and today XX/XX/XXXX I see 10 of those reported to credit agency. I am XXXX and paying as I can, they know this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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 have no a knowledge of this account according to the FCRA This item must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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 have no a knowledge of this account according to the FCRA This item must be removed

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 2021-05-17 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: MA

Complaint narrative:
XXXX XXXX XXXX reflected on report was deleted due to identity theft. Account was later resubmitted without my knowledge or consent. I then resubmitted identity theft documents and TransUnion is refusing to block the entry from report bearing my Social Security XXXX despite lack of verificationXXXXvalidation by alleged creditor and without complying with 15USC 1681a ( e ) consumer reporting procedures. Also, they are in violation of 1681a ( 2 ) ( i ) for reporting information solely based on transactions between the consumer and person making 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 2021-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Since XX/XX/2021 I have been disputing inaccurate information on my credit report. I have not received a response in writing or by phone regarding inaccurate information that is being reported.

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 2021-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021, Transunion is reporting I had a XXXX XXXX XXXX. I never had a XXXX XXXX. This is still showing on my credit report and it is not accurate information. 
After XX/XX/2021, If Transunion, XXXX and XXXX  continue to report inaccurate information. I am going to request in court a lawsuit against these companies for XXXX and all of the lost opportunities which are afforded with my credit. 

I have given longer than 60 days with disputing information on my credit report. I want the information removed.

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 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
This company continues to report incorrect information on my credit report. They are considered a junk debt service taking advantage of the system. It is against the law to report inaccurate information on credit reports. Junk debt collector and they do not have the right to report inaccurate information. There is no way that they verified this information because it does not exist. They have no record of my information in their system, yet it continues to be reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
I applied for a mortgage refinance on XX/XX/2021. There was a fee of {$500.00} for the application. XXXX XXXX my loan originator said the process usually 30-45 days. My original disclosure was supposed to be a locked rate at 2.5 %, by the time they got all the documents they said the rates went up to 2.625 % and that I would have to pay more, but they offered to pay a concession. 

I finally got all my documents sent in and verified. I got a call from my loan originator XXXX temple on XX/XX/XXXX to say my loan was ready to go and a closing date for XX/XX/XXXX. I had to review my closing disclosure and it didn't have the concession on it they offered to pay. The closing costs on it included home owners insurance which I already sent them a copy I had already paid it full so it shouldn't have been included in the closing costs. The closing costs also included property tax which was also already paid my current mortgage insurance company, so that shouldn't have been part of the closing costs either. I tried calling about these, and also sent an email to both the loan originator and loan processor and got no response. I've tried calling multiple times and each time they've been unavailable. I've tried calling the customer service department to which they've told me that no one in management was available to talk and they would send an escalation email and I would hear back, I haven't heard back, it's been 25 days and I haven't heard anything back about my closing costs disclosure. My lock in rate expiration date is XX/XX/2021. It just seems like I'm being ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Approximately XX/XX/2021 I applied for auto financing with Dealer : XXXX XXXX XXXX 'XXXX XXXX XXXX, XXXX with my Credit Card pursuant to ( 15 USC 1602 ( I ) ). XXXX XXXX XXXX 'S XXXX XXXX, XXXX sent the application to CHRYSLER CAPITALXXXX XXXX XXXX. On XXXX, XXXX 2021 CHRYSLER CAPITALXXXX XXXX XXXX. sent me an Adverse Action Letter Denying me Credit. To my understanding Credit is a " Right '' not a privilege. XXXX XXXX BANK, XXXX has violated my right to extend credit under ( 15 USC 1602 ( g ) ) and ( 15 USC 1681 ) TILA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Square card on XX/XX/21 let someone charge a Total of {$5000.00} as if it were me charging on the app.They then virtually let the person order a Square card and transfer funds to it. They attached it to XXXX XXXX  on their phone and went on a shopping spree. When I saw this I alerted Square and was explained that I would not be responsible for any of the charges. On XX/XX/21 I was helping a friend out with an estate sale and rang in {$1800.00} in sales. When it went to my account for deposit only {$1100.00} went over. I looked at the account and it showed four of the fraudulent transactions were disputed and subtracted from my balance. The amounts in question are {$180.00}, XXXX, XXXX and XXXX totaling {$770.00}. I have spent hours on the phone with dozens of reps and no one seems to be able to resolve the situation. They have told me everything from we owe you nothing, get a lawyer and even told me I credited the accounts back. Please help me resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Today, I explained to the debt collector that this was a fraudulent account setup using stolen personal info. I also explained that at the time this account was opened XXXX XXXX XXXX, I had been working in the XXXX for three years. I did not find out about this account until XX/XX/XXXX, through contact from a debt collector claiming to have bought the account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Happy Money, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, ID XXXX : XXXX. With Due respect I would like inform you that As per my loan application, The Company named Payoff approved my {$25000.00} loan on XX/XX/2021. On XX/XX/2021 I called and requested an pay off associate to schedule for receiving {$20000.00} from my Checking account. He scheduled it for XX/XX/2021, and fund was transferred successfully on time. Then on XX/XX/2021 I called and requested to settle my full loan amount immediately, means taking the balance amount from my checking amount ASAP. I had requested the Manager, If it is not possible for XX/XX/XXXX okay then please schedule/settle it for next day ie XX/XX/XXXX, So that I could save at least 1 day, s interest. But she refused to schedule it for XX/XX/XXXX, She schedule it for XX/XX/XXXX, and Charged XXXX from my checking account, of course with my authorization, I was bound to do so, as she refused to settle upto XX/XX/XXXX, My Question is it really company policy that I cant settle my Loan on same or next day, I have to wait 2 more days! 
I doubt what manager did! I guess there is something wrong! Because there is a option on web to settle or payoff in full on next day! May be Im wrong, But I need to know based on which terms she did it to me, Under the above circumstances I got a reply from them, that is as below I apologize that we were unable to schedule the payment on the same or next business days, it's not something a manager can override as it is a system limitation would you please check is this system Limitation is legal? I just want to know that whatever the did using their system limitation is permitted by law. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation