vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reached out to XXXX/Experian/XXXX  to remove the texas attorney general 's account from my credit report and they failed to do so. I have tried on multiple occasions to upload files relevant to this removal but the system has been not allowing me to upload documents. I have attached my files to this complaint.

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 2022-03-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
When I tried to access my online account there was a message that I had to call the credit union for assistance. When I called I was told that there was a permanent block on my account because of returned ACH transactions. I told them that there should have been only 2 ACH transactions that I authorized or imitated. One with XXXX XXXX which was returned due to account frozen and a transfer from my XXXXXXXX XXXX account to bring the account back into a positive. All other ACH transactions were done by the credit union without my authorization probably again to XXXXXXXX XXXX after they already knew that the account was frozen. Now I'm being penalized for repeated returned ACH that I XXXX not authorize nor was informed about. My funds in the account have been brought to a negative because of repeated attempts to perform an ACH with XXXX XXXX that was once returned for account freeze that has been on the account since XX/XX/2022.

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 2022-03-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This investigation process has gone longer than 30days and is causing a great deal of financial distress for my family and I.

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 2022-03-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Worst mortgage company I have ever dealt with in my life if I could give them a negative score they would have it! The mortgage company constantly adds insurance to my account despite me already having insurance from the closing date. They also like to add escrow to your account despite me being exempt due to me being XXXX percent XXXX Veteran. Since they are a debt collector they will make your personal credit account 60 plus days delinquent for taxes that will show you aren't paying your mortgage even though you are posting payments that were never due and ruin your credit. They also take months 4+ months to fix the problem while you are stuck dealing with rude employees and managers that like to frequently hang up in your face. They never fix a problem in a timely manner they lose paperwork or don't document it properly which always effects your credit negatively. Worst of all I didn't even choose them as a mortgage company they brought my mortgage they will not contact you at all you if they have an issue with your account.They will illegally add incorrect payment status balances to your credit without even trying to speak to you. These practices are very predatory and prey upon individuals who would just pay for it without thinking be wary of a lot of late fee charges. No matter how many times you call or who you speak to nobody can speed up the process.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: Advanced Resolution Services Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I sent Advanced Resolution Services ( XXXXRS ), INC. an email requesting that they provide documents of information they used to verify an alleged bankruptcy. 

On XX/XX/XXXX, ARS responded stating that the information was verified by XXXX on XX/XX/XXXX and provided a voluntary petition from the United States Bankruptcy Court obtained from PACER. 

On XX/XX/XXXX, I replied to ARS noting that Public Access to Court Electronic Records ( PACER ) is an electronic public access service of the United States Federal Courts and is not considered a verification tool/resource as verification/validation must come from the original. 

On XX/XX/XXXX, ARS replied with the same response from XX/XX/XXXX and included the voluntary petition form obtained from PACER. 

I've requested that ARS remove the bankruptcy from my file if they are unable to verify the alleged bankruptcy noting that PACER is a for profit agency and can not be used to verify bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: Home Loan Center, Inc.
State: TX

Complaint narrative:
A mortgage company called Lending Tree is claiming that they assumed I authorized them to run a credit check /pull credit score by hard checking. I am absolutely sure that I did not do any such thing because the company didnt seem credible enough anyway. They have no proof of my authorization in any way. I am requesting that you take action against this fraudulent practice who are abusing their actions. This could impact my credit history in the future and it has in the present. Please please do something, I do not want any identity theft or other such criminal offenses happening with me. I will in no way pay for any misuse of my information that this fraudulent company has. I am sure this is an illegal offence. I want them to take responsibility for this action and make sure my social security is removed from their files/systems etc. how can they claim I gave then my SSN when i did not! I want proof, I am a 1000 % sure I did not. They are scamming people. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I was severely financially impacted by the Covid pandemic and used the forbearance option to give me a payment " holiday. '' In XX/XX/2021 I contacted PHH for a mortgage modification to extend the term of my loan to include the missed payments. 

A modification was agreed. 

But since then, PHH has given poor advice, sent out documents late and given me no option to meet their deadlines. 

Now, they say the modification has been denied. I have asked for a review and have been told this has been denied too and I now owe them more than {$35000.00}. 

I have tried again to speak with someone who has the power to reassess my claim but no one has been made available.

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 2022-03-21 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
mt credit card has billed me for several purchases i did not make as soon as i recieved my bill i saw the purchases i called and reported the charges. The company said no problem took off the charges told me to destroy the old card and sent a new one. I figured this was done but then over a month later i get another bill with those same charges back on it. I call them they said it was found the charges were legit because the card was present. But i didnt make them and i had the card in my possession at all times so had to be a cloned card .The company claims that they cant make fake cards witch i know is completely wrong.so the dates were in XXXX the XXXX XXXX XXXX XXXX, XXXX and XXXX. all of the charges were at marathon gas stations all in XXXX XXXX XXXX or XXXX fl. witch are all over an hour away from were i live some are hour and a half.the charges were almost all within a dollar of each other most were XXXX and change one was only XXXX and another was XXXX the company reviewed the case and still says charge valid because card was present but like i said i have the card so not possible. the credit card company is chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery is a SCAM! I submitted a complaint outlining false reporting around the date a XXXX XXXX credit card account was opened. They responded admitting the account was opened in XXXX and went delinquent in XXXX but because they purchased the debt in XXXX that is why they listed the account being opened. THIS IS FRAUD. When they bought the debt has nothing to do with how old the debt is. They are doing this so they can restart the clock on my credit report and have longer to collect. It is predatory! The age of the debt being accurate on a credit report is important! Newer debts have more impact on overall credit score. It needs to be reported accurately. This is so criminal. They are also claiming they cant control what the credit report agency shows which is also untrue hence it being illegal to report false information. Are they accusing XXXX XXXX of lying? Well if so THEY should file a suit against the credit reporting services for misrepresenting their data but that is not what is happening. Please this is predatory and I expect the government to do the right thing and hold Portfolio recovery responsible. Claiming the debt was opened in XXXX because they sent a letter to me informing me of the debt that had already existed for years is insane. Im not going to let this go!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Someone tried to open a Citibank credit card in my name around XX/XX/2022. Received a letter from Citibank in the mail alerting me to the fact that someone was trying to open a credit card using some of my identification information. I figured this out given that some of the information in the credit card letter that Citibank sent in the mail was not familiar to me. I alerted Citibank and they initiated an investigation and closed out the credit card account. No money was lost and all three credit reporting agencies were alerted to this fraud.

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 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX XXXX someone open a PayPal account In my name which doesnt belong to me Ive called and explained to this come over the last 3years this is not my account and it was never opened by my they stated that because it has my address its my account when I spoke with a representative they stated that the email were not the same but the house address matches so they trying make me responsable for paying the account of {$670.00} in which I have no problem paying if this were my account so Im reach out to have someone help me clear my name of the identity theft that has been created by someone else thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We need legislation that makes it much easier for consumers to close their credit card accounts. For my Citi Credit Card, closing my account required waiting on hold for 45 minutes, being passed from representative to representative, and aggressive upsell/change your mind tactics. The line " disconnected '' twice. Require these companies to allow users to close their accounts online with a click.

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 2022-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
A credit collection agency NCA in the amount of {XXXX} added a collection to my credit report that isnt mine. I called the credit collection agency to take care of it they said to file a police report which I have today XX/XX/22. I also called the credit card XXXX XXXX company with the information given by the agency and the credit card company has no record of the collection. I do have a current credit card with XXXX XXXX which is in good standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a bank america customer with close to XXXX on deposit in checking and saving accounts, they refuse to cash my bank of america checks. Reason is I don ; t have a debit card or a cell phone.

I offer 2 goverment photo ID 's I am XXXX yrs old a XXXX  vet, Why do I need a debit card or cell phone to access my money? 
Thank You XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: PA

Complaint narrative:
New Information Intent to Sue : Please be advised that as of XX/XX/2022 TransUnion has failed to respond to my complaint sent via the CFPB on XX/XX/2022. It is now 7 days past the generously allotted threshold of 30 days allowed by Federal Law and TransUnion has failed to provide any supporting documents and/or PROBABLE evidence that I have any obligation to the mentioned account below. TransUnion has failed to properly reinvestigate and delete the disputed item from my credit file resulting in injury not limited to being declined for new credit, mental anguish and XXXX. I demand that the account be deleted from my credit file. I am requesting an accurate copy of my credit report once the items have been removed. Should TransUnion choose to continue to be willfully neglectful as it pertains to my credit file, I will file a dispute against TransUnion in small claims court seeking remedy for said violation. 
Please see UNVERIFIED account listed below : ACCOUNT : XXXX ACCOUNT XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 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: GA

Complaint narrative:
XXXX XXXX XXXX inquiry that was not authorized

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 2022-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: DISCOVER BANK
State: OR

Complaint narrative:
Hello. I recently wrote out a check to my landlord to pay my rent on XX/XX/XXXX. When the check was cashed on XX/XX/XXXX I received a notification that it processed. The next day I was checking my account and asked why I had insufficient funds. My bank initially told me that the check was processed twice and that I would be refunded for the second transaction. 

My landlord reached out to me on XX/XX/XXXX saying that he did not receive any funds. I showed him a picture of my bank account showing that I had available funds to cover the check. He continued to ask me daily to check with my bank and I continued to reach out to them on several times between XX/XX/XXXX and XX/XX/XXXX. 

My landlord provided me a copy of his bank statement on XX/XX/XXXX showing that the check was deposited and then returned the next day for insufficient funds. I provided that information to my bank and they are continuing to say that I need to follow up with my landlord. Originally when I told the dispute team at Discover bank that I had a copy of his statement they started investigating the check. They told me that it would take 3 to 5 five business days from XX/XX/XXXX. When I called today on XX/XX/XXXX they were short with me and told me that the money was deposited into my landlord 's bank and that he has the money. They advised me to reach out to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a letter from On Line Information Services asking me for {$250.00} from supposed creditor : XXXX XXXX XXXXXXXX. XXXX. of TX. I contacted XXXX XXXX @ XXXX and provided them with my account number and was informed that I had zero outstanding balance with them and that Online info. services was fraudulent. Please investigate the matter.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: FL

Complaint narrative:
The company requires Borrower to use their specified closing agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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