vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-24 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: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  pulled a HARD inquiry without my consent, XXXX of XXXX they had my consent bur in their harassment of me they keep pulling hard inquiries damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: ID

Complaint narrative:
I disputed a " 60-day late payment '' Nissan reported to XXXX and XXXX. I leased my XXXX XXXX in XXXX. When my lease was up in XX/XX/XXXX, I got a loan through XXXX XXXX XXXX to buy out my lease. The loan officer, XXXX XXXX called Nissan XXXX on XX/XX/XXXX, and the agent gave her the payoff. A full amount payoff check was mailed from XXXX XXXX XXXX before my lease ended on XX/XX/XXXX. Now, approx 15 months later, Nissan is has reported a 60-day late payment on my credit reports. I first called Nissan and they said to simply file a dispute with XXXX and XXXX. I filed a dispute with both companies by giving my account of the lease. XXXX and XXXX sent the information to Nissan and Nissan denied the dispute. Next, I contacted XXXX XXXX at XXXX XXXX XXXX and she wrote a statement verifying the details of the payoff. I disputed the inaccurate, 60-day late payment reporting from Nissan and attached the letter from my loan officer, who is now the branch manager, XXXX XXXX XXXX She clearly remembers the situation. She sent the tax and title fees directly to the State of Idaho. Nissan was claiming the tax and title fees were supposed to be sent to them. XXXX from XXXX XXXX XXXX called Nissan multiple times and informed them that in the state of Idaho ( a non-title holding state, ) the financial institution sends the money for the tax and title fee directly to the state and the State of Idaho mails the title to the lienholder. They finally sent the title to XXXX XXXX XXXX several months later. I have the supporting document from XXXX XXXX XXXX or you may reach XXXX XXXX at XXXX. I have worked very hard to have an excellent credit score and Nissan 's 60-day late reporting dropped my credit score by XXXX points on XXXX XXXX, XXXX. This is the only negative item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
In XXXX of 2021, I fell victim to a telephone scam masquerading as the XXXX XXXXXXXX XXXX using the Zelle money transfer service, for the amount of {$3500.00}. I filed a fraud complaint with XXXX  XXXX XXXX, and 60 days later, without explanation, the money was refunded to my account. 

I have since left XXXX and moved my finances to the XXXX XXXX XXXX XXXX, where I tried to reestablish Zelle as a service. I was very surprised to find out that my mobile number and e-mail have been put on a block list by the Zelle corporate entity, Early Warning Systems or https : //www.earlywarning.com. 

My bank, XXXX, tells me that they ( XXXX ) can open access to Zelle to my account, but if there is any future fraud loss, XXXX will be open to severe fines and penalties from XXXX. Furthermore, I am told that consumers using Zelle have no fraud protection whatsoever, and advised that I use XXXX or XXXX. 

XXXX tells me that can not comment and I have to go back to my bank, which tells me the decision was made by XXXX, not them. I am stuck in a loop. 

How are payment transfer companies like XXXX regulated? Or is it a freewheeling company that exists outside of government banking regulations? 

I am pursuing this on social media but wanted to let the CFPB know how consumers are defrauded by this faceless corporate entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: PA

Complaint narrative:
this is the second time iam filing a complain on midland mortage about my mortgage documents.i went back to viginia on XXXXmet up with my wife at XXXX  and we both sing the papper in front of a notary and sing the papper the send me in the mail.theme to california.XXXX XXXX XXXX XXXX XXXX XXXX XXXXand XXXX informend me they delivy theme.on XX/XX/XXXX XXXX am.i also have a tracking # .so i dont know what they are talking about.i was put in to a forbearance be fore they took over my mortgage.they suspose to get me in to a morforcation at the end not trying to take my house that i live in for the last 13 years.they dont care a bout home owener they just want to take my house.like i said.every papper i gave to them some thing is worng with them.my next step is contact. ATTORNEY GENERAL OF PENNSYLVANIA.

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 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This is my second complaint regarding Equifax. Back on XX/XX/2021, I filed a complaint that the company did not respond to my certified letters nor phone calls to correct my credit report per my letters, but also they did not send me a credit report as per my multiple requests. It has been approximately 30 days and I have still not heard anything from Equifax, neither any corrections, nor a letter nor a hard copy of my report. They have ignored me and your agency! This is outrageous behavior, no wonder they are screwing up my credit! Attached I have included the earlier three rounds of certified letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all in 2021 ) for the correction of my Equifax credit report for inaccuracies and for Equifax to send me an updated credit report as I did in my earlier complaint. Please do something to make these people correct/ send me my credit report!!!.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My concern is terminating XXXX  from my mortgage. I am over two years into my mortgage with 13 % off original price of the home paid. I paid 10 % down. Can I have my home reappraised and use it's current value as a way of having the 22 % required to terminate 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 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Please note that my late mother 's mortgage was sold from XXXX to Selene Finance. I contacted Selene Finance on XX/XX/XXXX via phone @ XXXX, and the company did not have my records. I was told to call bank after the XXXX of XXXX, and I did so, and the company could not find my late mother 's will, death certificate, and POA. I was told to fax this information, and I did so the same day. I received paperwork from Selene Finance on XX/XX/XXXX, and I have tried for over 8hrs to get through to them w/o any success. The former company XXXX was supposed to transfer the mortgage from my late mother 's estate to my name. I have been working on this for over 1yr. The prior bank told me not to make payments while this process was going on, and they kept losing my paperwork. I was getting ready to resend this paperwork to XXXX  on XX/XX/XXXX, and I was informed that Selene Finance would be taking over, and XXXX told me to wait to hear from Selene. I can not get through to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I opened an account XX/XX/2021 at PNC Bank with a {$400.00} bonus if I met direct deposit total for Virtual Wallet with XXXX XXXX  I used the link to " Apply Now '' at their website. 
I met the {$5000.00} total deposit, but received only {$100.00}. When I called customer service to help, they said something went wrong with the account creation and would get it resolved within 24 hours. 
That was 2 months ago and now PNC claims the account was opened as a Virtual Wallet which only gives a {$100.00} bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-24 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I contact the bureau about an open investigation about some inaccuracies on my credit report, they still not giving an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS AND ACCOUNTS THAT DONT THAT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: OH

Complaint narrative:
I have sent certified dispute letters & validation letters multiple times to both the company & credit bureaus to delete the inaccurate collections off of my credit report. I have inaccurate addresses, names, phones, & social security numbers. I was not properly verified, there was no proper validation, there is no contract with my name on it, I don't know where this collector has came from & I don't know what they are doing. They need to show me, they need to prove beyond shadow of doubt, that they have proof. Document, signature, digital signature, a voice recording. 
What do they have? Do they any have any of these things? I want this collection to be removed with prejudice immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute with XXXX and XXXX beginning XX/XX/XXXX. I mailed out dispute letters XX/XX/XXXX concerning a XXXX card debt, XXXX card debt and XXXX bank debt. I mailed out letters via certified mail but never received a response back from either XXXX or Experian. I called both companies earlier this month to ask about these accounts that are not mine and they told me over the phone that the accounts had been verified by the creditors. So I asked Experian why didn't receive a returned signature receipt from my certified letter or even a response letter about the dispute? They told me that they sent the update to my email on my Experian account. I told them I don't have a Experian account and I specifically requested that my response be sent via mail to my home address anyways. They still refused to send it out. I also spoke with XXXX and they said that it was verified and they don't know why the dispute response letter hadn't been sent out yet and that they would send it out in 3-5 days. So on XX/XX/XXXX I sent out another certified mail dispute to both XXXX and Experian and stiill have not gotten a return receipt signature from either company. After 10 days of return receipt signature this should be deemed a no response from both of these bureaus. I didn't have these issues with XXXX as they complied and removed all fraudulent accounts off their report. XXXX and Experian are not in compliance with XXXX as I also stated in my dispute letters. Their failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with these bureaus for the purpose of filing a complaint with the FTC should they continue in non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), they may be liable for their willful non-compliance. I have phone recordings and receipts of each certified letter sent out and I am hoping to solve this issue before I have to take further legal action.

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 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: WA

Complaint narrative:
Ever since SN Servicing took over my mortgage XXXX, I have received multiple letters asking for proof of homeowner 's insurance. As soon as I received the first letter, I reached out to my insurance agent to make the necessary change to the lien holder and send the updated documentation. Multiple times it was emailed, faxed and mailed by both myself and my insurance agent. This month ( XX/XX/XXXX ) there was an additional $ XXXX required on my XXXX escrow payment, which, according to my phone call with XXXX XXXXr on XXXX was for force placed insurance. This was a mistake. They are allegedly correcting this, so that my normal mortgage payment I already made can be applied. It is currently sitting in unapplied funds. I have dealt with this insurance issue for months now. I have email chains from XXXX XXXX ( SN Servicing account representative ) with all of this documented. The first emails start on XXXX. Per my insurance agent, " XXXX '' had already received the policy and resolved it. On XXXX, I received yet another letter threatening force place insurance if I did not send proof. I once again emailed and attached the insurance binder showing I had insurance. On XXXX I followed up asking if it had been resolved. Finally, he replied on XXXX. He stated that " XXXXN Servicing has receive your HOI policy. '' On XXXX I emailed again stating " When will the force placed insurance amount be refunded to my escrow account? I see my latest statement something like {$800.00} was deducted. Please advise ASAP. '' The same day, he replied with " The force place insurance charge was refunded to your escrow account on XX/XX/XXXX. '' I replied back with " Ok, so that will reflect on the XX/XX/XXXX statement? ". He then replied with " Yes ''. If possible, I can attach all the email chains, and I ask that SN Servicing review the recorded phone calls with XXXX. XXXX is one of the most argumentative, and rude people in customer service I have ever dealt with. He seriously lacks professionalism. Each time I have spoken to him, he argues, interrupts and offers unsolicited insights and analogies that I have no interest in hearing. He interrupts me multiple times while I am trying to speak. This is especially frustrating since I am only calling to try to resolve yet administrative mistake. I also think it is misleading to send mortgage statements that do not detail what the increase in escrow cost. In this case, it is force placed insurance. The statement does not state that at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XXXX or XXXX of 2021 I tried to close all of my accounts ( checking, saving, line of credit ) with US Bank. I called and spoke to a representative who closed the saving and checking accounts and then told me I had {$50.00} I needed to pay off on the reserve line ( it had just been transferred that morning to cover an " overdraft '' charge in my checking account to cover another service charge of theirs- so I had no idea this had happened ), but since my accounts were closed now she could not take money from them to pay it off. She also told me that she could not take money from an outside account to pay it off but that I could do it through the outside accounts I had already linked to their website, online. I tried to do it while I was still on the phone with her to be sure and it wasn't working so she told me just to " try to reconnect them and try again, but that it would take a few days ''.

I kept trying to pay via my external bank accounts for weeks, to no avail. So I called and got passed around to 4 different people in 4 different departments who all assured me the next person would be able to help me. None of them could. This happened several more times during that first month and every month since, everyone gave me different information, no one could help me, and there was always a different department I needed to speak to, so US Bank continued adding interest to this account that was still open and no one could help me pay it. 
Once it passed 30 days since my trying to close it, I kept getting interest piled on to the account. I finally tried to go into a bank in person because I got tired of being passed around to different departments on the phone and via the chat, and ended up having to go to two different branches, neither of which could help me. The second one finally told me she could take my payment but at this point I would have to pay all of the interest to be able to close the account finally OR I could go to my third branch of the day and speak with them to see if they would wave the fee, but they probably wouldn't. She also told me this was my fault because I should have been paying attention. 
This bank is trying to squeeze everything they can out of me in fees when all I want to do is close my account, which they have made impossible. I have no problem paying the original amount of {$50.00} they transferred over without my knowledge, however, I am not paying the excessive interest they keep piling on me because no one knew how to help me close the line of credit account after the others had been closed.

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 2022-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME.

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 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted 5 payments that are reported as late. I have disputed the late payments already two times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/XXXXand XX/XX/2020 ). I was affected by COVID and tried to get a deferment and couldn't get through and therefore accounts ended up being late.

I am hoping you can make the necessary adjustment under the CARES Act. 

I no longer have possession of the card and can not provide the full account number. I am happy to verify another way if necessary. 

Last 4 of account number - XXXX Last 4 of SSN - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: TX

Complaint narrative:
I opened a XXXX XXXX Account to qualify for a {$500.00} bonus before XX/XX/XXXX, I have maintained the balance of {$50000.00} for over 120 days yet have not seen this bonus reflected. Please credit the bonus to this account. I have reached to online support of Comerica without the desired response. 

Thanks, XXXX XXXX Welcome! Your last Log In was Friday, XX/XX/XXXX XXXXXXXX XXXX ET XXXX ServiceLog Out OVERVIEW ACCOUNTS E STATEMENTS TRANSFERS BILL PAY MOBILE BANKING / ALERTS Message Center Send a Message Message Return to Messages Date : XX/XX/XXXX XXXX XXXX  Subject : RE : Account Inquiry My name is XXXX and i am pleased to assist. XXXX, The {$500.00} XXXX XXXX XXXX offer will be advertised in the Southeast Michigan, XXXX, and XXXX regions starting the week of XXXX XXXX and running until XXXX XXXX, XXXX. For new-to-bank prospects or existing customers to qualify for these offers, they must first successfully open a Comerica XXXX XXXX XXXX account through OAO then meet the following criteria XXXX XXXX XXXX Deposit {$50000.00} within 30 days of account opening ( across a few acct types ) and maintain a minimum balance of {$50000.00} for an additional 60 days ( 90 total days ) after account opening. After meeting the requirements, you will receive their offer within 30 days. If I can help you in the future, please send me a message or you may reach our Customer Contact Center by calling XXXX. I am glad that you bank with us. Thank you for choosing Comerica Bank! XXXX Comerica Bank Member FDIC Equal Opportunity Lender Not all products and services are offered in all states -- - Original Message -- - Sent : XX/XX/XXXX XXXXXXXX XXXX To : XXXX Subject : Account Inquiry Segment : Individual Inquiry : I can not find my question. Message : Could you please let me know when the {$500.00} bonus for opening this accounting and maintaining 50K average balance will post? Per the terms it should have posted in XXXX, 90 days after XX/XX/XXXX. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation