vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX )/ XXXX / {$6800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX )/ XXXX / {$110.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) / XXXX {$75.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hello I am in the hospital due to my XXXX XXXX on XX/XX/XXXX and the hospital said that I am in a mental state which is a situational XXXX I shut completely down to a XXXX XXXX  we was married for XXXX  years I lost the love of my life. I am going through a lot I'm out of work I'm not being paid I ask my XXXX to handle my account and ask them to work with me and please not take my car they decline me I'm trying to get better but stressing about them taking my car! Please help 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 monetary relief
Consumer complaint received 2022-02-02 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: RI

Complaint narrative:
i was taken advantage of due to malpractice while several were broken by your financial company. i cant even get a sba loan due to this matter.

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 2022-02-02 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: TN

Complaint narrative:
I have written and verbally contacted Equifax many times via certified letters and long phone calls requesting them to delete XXXX addresses that are not mine : XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX,, XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, To the best of my knowledge, these addresses belonged to my father who had the same name and who died in XXXX back in XX/XX/2021. I have been very patient with XXXX expecting them to remove these detrimental mixed addresses but recently it has come to my attention, by the XXXX police, that these addresses were involved with Identity Thief activities in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I pulled my credit only to find that Transunion had XXXX hard inquiries on my report, only to find that on XX/XX/XXXX a fraudster was able to not only apply for a credit card but to open up a bank account. These inquiries were pulled 1. ) To apply for a XXXX Credit Card and 2 ) to open an account with XXXX Bank. Neither of which I requested. Back in XXXX of XXXX, I placed a security alert on all XXXX of the major XXXX 's. Had this been handled properly by Transunion neither the application for credit nor the opening of account by XXXX would have happened as the Bank XXXX Creditor would have been unable to pull this. As a result of their negligence, they played a part in allowing someone to open an account at XXXX. In addition, I spent XXXX hours trying to undo what had happened with XXXX, XXXX Bank, filed a XXXX XXXX, report everything as identity theft and reach back out to Transunion to ensure a Fraud alert was added to my file. Had they done what they were supposed to in XX/XX/XXXX this never would have happened.

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 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I've been trying to get the PMI on my loan removed by XXXX XXXX XXXX to no avail. The company ordered an appraisal for a refinancing but refuses to use that value of the property from that appraisal as a basis for removing the PMI. They are asking me to pay for another appraisal before they can remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX says XXXX XXXX accessed my credit file? It is locked and I never did credit check with 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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX says XXXX XXXX accessed my credit file? It is locked and I never did credit check with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: Green & Sons Agency, Inc.
State: ID

Complaint narrative:
XXXX Bank Corporation deliberately and unfairly charged my personal account overdraft fees in a discriminatory and XXXX biased manner. 

In XX/XX/2021 XXXX bank charged overdraft fees for my account ending in XXXX the amount of USD XXXX and my account ending in XXXX the amount of XXXX. 
I disputed and paid these fees in full. The bank statements are attached. XXXX stole my money. 

In XX/XX/2021, XXXX again charged my account XXXX the amount of XXXX for a single transaction of XXXX dollars. XXXX  then proceeded to harass me with mutliple telephone calls and collection letters and put my name on XXXX XXXX, even though they were informed the charges were false. They also reported me to a collection agency and cost me an XXXX loan of XXXX. The evidence is attached. 

XXXX bank favored XXXX  XXXX  customers over XXXX  XXXX  XXXX workers including XXXX discriminations, including me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. MY COMPLAINT WAS CLOSED AND I DISAGREE WITH THE RESOLUTION. I AM A CONSUMER AND ELAN FINANCIAL HAS VIOLATED MY CONSUMER RIGHTS AND HAVE ADMITTED TO SUCH. 

Recently, I, XXXX XXXX, was denied an extension of credit by Elan Financial. On XX/XX/2021 I submitted credit card application, I applied for a Fidelity XXXX XXXX Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. 

Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Elan Financial has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code 1681M 12 CFR 1002

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 2022-02-02 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: RI

Complaint narrative:
i was taken advantage of due to malpractice while several were broken by your financial company. i cant even get a sba loan due to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Navy Federal reported there was no fraud noted in XXXX of 2021 when a XXXX transfer of {$290.00} was sent from my account to another. 
Within 24 hours of the transaction my XXXX account was restricted due to fraudulent behavior noticed by XXXX, before a report was made on my end. 
Navy Federal stands by its claim that no fraud was committed, refuses to perform a charge back to the original account, refuses all calls from my phone number regarding my issue, and refuses to speak with XXXX in any attempt to unrestrict my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I purchased a kitten on XX/XX/XXXX from an online breeder. Sadly, it turned out to be a scam. The kitten was and transportation totaled {$1900.00}. After months of fighting for any information from my bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has now disclosed that the funds sent via XXXX went to a Wells Fargo account. XXXX XXXX XXXX is stating that Wells Fargo refused to provide the funds back or freeze the funds even after Wells Fargo was informed that they were scam funds. As this is scam and the kitten was not shipped, Wells Fargo should have provided the funds back to XXXX XXXX XXXX or at least frozen them until such time as an investigation could be done. They were notified before I told the breeder I had figured out this was a scam and so the chance of recovery was lost when Wells Fargo declined to freeze or investigate. Due to Wells Fargos lack of action, the funds at this point will not be recoverable.

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 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
PHH Mortgage is our mortgage servicer. They purchased our loan from the original company we initiated the loan from. Our mortgage is escrowed for our taxes and insurance. We pay the payment each month on time and it includes the escrow amount. The property taxes were due on XX/XX/XXXX. PHH had money in the escrow account but did not pay the taxes. 

Both my husband and I have called the company NUMEROUS times as well as sent in letters by email and mail. Once someone from customer service does answer the phone they end up transferring us to an " escalation specialist ''. The escalation specialist tells us they are taking a look into the problem. 

The property taxes are now 62 days delinquent as of XX/XX/XXXX. We have accrued {$160.00} in penalties and fees. The money is sitting in our mortgage escrow account and has been all along. Each time we call we get the runaround but nothing ends up getting resolved at this point.

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 2022-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Convergent Outsourcing Inc is fraudulently and wrongfully attempting to extort money from me for a make believe debt that I do not owe to a company XXXX XXXX XXXX AKA The XXXX XXXX XXXX in XXXX Alabama that I have never done business with ever. I live in XXXX XXXX. I have never been to XXXX Alabama. This is a joke and an illegal attempt to get me to pay something I do not owe or have ever done business with these companies. This collection agency is falsely claiming that I created an account and owe {$1000.00} that is a false obligation. The reason the credit reporting bureaus have placed me in a credit freeze for XXXX years is because of ID Theft. Also, recently my XXXX XXXX XXXX card number was stolen someone attempted to use it but the charges were rejected. This is another case about collection agencies abusing credit systems and collecting to force consumers hands, like me, to pay regardless of whether or not they are truly at fault. I will never in a XXXX years pay this as I am not responsible and disputing this debt.

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 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX I pulled my XXXX and found that an account was opened at PNC Bank with my SSN on XX/XX/XXXX. I immediately reached out to PNC and advised as to what had occurred and they completed a XXXX XXXX report and would have the report sent to the fraud team to have the account immediately shut down. When I called back to obtain status I was told it was all set. I proceeded to ask questions to determine how this could happen and to find out additional information for the police report i.e where was the account opened, was it done online, at a branch what type of information was used to open the account they immediately advised I was not allowed to receive this information. HELLO, it's my SSN and YOU opened the account with fraudulent documentation. I immediately reached out to XXXX to determine if an inquiry was made and nothing. I also asked if i would get anything from them advising that the account had been closed and a full fraud investigation was conducted and i was met with an immediate no. The only thing that was done was a XXXX inquiry with XXXX. Which also played a part in allowing this to happen as they should have had a security alert on file since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2022 I received an email from TD Bank congratulating me on opening 3 accounts with them ( 2 checking and 1 savings ). 
I thought the email was Spam so I disregarded. 
On XX/XX/2022 I received a packet from TD bank by mail which contained checks and deposit slips. These checks and deposit slips had my name, XXXX XXXX, and address. They also had a phone number which does not belong to me ( tried calling and its dosconnected ). I contacted TD Bank regarding these 3 fraudulently opened accounts and they did in fact close them and are researching the matter. I am contacting your company to make sure that this gets reported to all 3 creditors and doesn't affect me in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2021, I applied online and was approved for Barclays ' XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX I applied for the card because I found their sign-on advertisement attractive, I would get 50,000 Miles & More miles after spending $ 3k the first 90 days and paying the annual fee. Although I fulfilled both these requirements, I did not get the bonus miles. I contacted Barclays ' customer support on XX/XX/XXXX to inquire about the status of the reward. The customer support team was able to confirm I completed all the requirements and it should take a couple of days to see the miles. I wrote to their support on XX/XX/XXXX as well and received an answer they will investigate. I received a reference ID : XXXX. I wrote to them again on XX/XX/XXXX since nothing was changed. I heard back the same answer again, that it will be investigated. I had already wanted to use the miles at this point. I reached out another time on XX/XX/XXXX and heard back the same, automated answer. Today on XX/XX/XXXX, I called again and was told by customer service representative XXXX, again, that I completed my requirements and I should get the miles. She asked me to wait another 7 to 10 days. 

Their terms of service state : " Please allow 4-6 weeks for bonus award miles to be deposited into your Miles & More account after the qualifying purchase ( s ) have posted to your Account and your annual fee has been paid in full. '' I've been waiting since fulfilling my commitments in XXXX. How long must I wait for Barclays to fulfill their promise? I've already wanted to use the miles, which I could not do, not because of any fault from my end. At this point, I feel defrauded. This was a false advertisement. I made sure to spend $ 3k in the time so I can earn the miles and benefit from them. I would have made purchases with my other cards otherwise and enjoy their benefits. 

Violating their own terms of service should be illegal. I hope you may be able to assist.

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 2022-02-02 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: RI

Complaint narrative:
i believe the accounts listed are results of wrong doing of your company 's job which caused me Defamation, Negligent Enablement of Identity Fraud, Violations of the Fair Credit Act, Financial Injury.

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 2022-02-02 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: RI

Complaint narrative:
i believe the accounts listed are results of wrong doing of your company 's job which caused me Defamation, Negligent Enablement of Identity Fraud, Violations of the Fair Credit Act, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
I have been making payments on the mortgage for a few years. No problems. Now I am locked out of my account. This has been going on for XXXX months. I get no response by phone. I sent a regular mail letter to the company and got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: NC

Complaint narrative:
I just needed 1 credit report from 1 of the companies. 
XX/XX/2022 I tried 6 times getting my free credit report via XXXX as listed on XXXX  : XXXX 

The first 4 times I tried doing it online. 
I tried XXXX 2x. It put my incorrect current address, though I filled out the form correctly. 
And then : " Page not found The page you requested does not exist or can not be found. 
Please return to XXXX and follow the steps on that site to request your free annual credit report. '' I tried XXXX twice via webpage too. 
Each time they gave non-relevant security questions where I checked : none of the above. 
The page said ( and there are no typos I'm writing ; the webpage had the typose ) " we have experienced an issue processing your request. We-re sorry, we are unable to process your request at this time. Please contact our XXXX XXXX XXXX at XXXX for additional help completing you request. The XXXX XXXX XXXX is available between XXXX. '' The second 2 times i tried doing it on the phone XXXX 1st time ( Equifax ), the automated system kept getting my name wrong, and there was no confirmation the computer got it correct, since the software didn't repeat the spelling of my name back to me. 

The 2nd time, a similar thing happened with XXXX. 

I hope i get the reports mailed to my address, but there's no confirmation that the info was inputted correctly by the software.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: GA

Complaint narrative:
Im disputing that Equifax hasnt responded back within their 30 day window. I mailed my certified letter off on XX/XX/XXXX. By law their obligated to respond within 30 days.

Company response to consumer: Closed with explanation