vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX, & XXXX I was scammed by a person pretending to be the owner of a property that I saw in XXXX. I was desperate looking for a house for rent and came across that website. I read the add of a house for rent and I asked to look at it and 30 minutes later the supposed owner contacted me via email. I read what I needed in order to rent it. I even looked up the owners name and the scammer made me believe he was that person. I sent {$2500.00} in the matter of those 3 days. I was sent an email that it was a scam. I didn't want to believe at first. But unfortunately it was true. I contacted the supposed owner and he answered I begged him to please send me my money and he assured it wasn't a scam. I never heard from that person again. I called the number and so did a friend of mine and the number was already disconnected. My mistake was sending the money through XXXX. I right away called my bank and made a police report. The bank was very mean to me. They said that I shouldn't of sent the money if I didn't know the person. I tried to explain and they didn't listen until I called the XXXX #. I have the bank the police report number and I told them I had also reported it to the FTC. The bank said they world investigate it which I feel they never did. I called 3 or 4 times because I was denied. A bank manager was supposed to call me and they never did. I had lost a family member during all that chaos and explained that the scammer took advantage of my situation because I told the scammer that I hoped they weren't fraud because I had just lost a family member that was like a father to me and they acted like they cared. I have texts, emails, and the screeshots of what I sent the money for. I know its my fault but I had all the evidence I could possibly share. I felt that the bank was pointing fingers at me that I was part of the scam. I just went back to work after a month of being jobless. I opened another account at a different bank because I am closing the account with PNC Bank. My only hope is that one day those scammers will be caught.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I opened a online account with Ally Bank. My brother in life was helping me get through financial hard times so he set up a XXXX a week direct deposit from his payroll. He also XXXX money into the account. I gave him online access to my account. After 8 weeks of direct deposits Ally froze my account and failed to give me access to my money. Now over XXXX. I've talked with many people at Ally Bank that continues to lie. They told me 8 times they would send me my money. They have not. They know there is no criminal activity yet are holding my money hostage.

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 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I signed up for an Citi Priority account with an account opening bonus. I was promised {$700.00} after depositing {$50000.00} for 60 days. I followed all bonus terms and I have not yet been paid. I have inquired multiple times with no resolution, and been promised the issue would be escalated internally. My most recent contact, on XX/XX/XXXX, ended with a rep informing me that my account was indeed qualified for the bonus and that it had not been paid. This, again, resulted in an internal escalation which I have little hope of being resolved without this requested intervention from the CFPB.

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 2021-12-31 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix an error on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX I received a call from Chase Exe Office XXXX in which she told me : I see that you have previously requested information on a loan.Unfortunately as we have previously advised, we. do not have information on a loan. '' There is a current open complaint CFPB unanswered by Chase for information. 
Chase had previously represented only that they did not have documents not that they did not have information. 
I have requested information. 
Chase is seeking not to answer the CFPB complaint filed several times for information on a hidden loan revealed to me on my home. Chase is refusing to address whether the loan is an assigment or assumption and the name of the second bank. Chase has not given a loan number, not given dates, not given amount. There is an official log at Chase of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting monthly activity on 3 alleged accounts under my ssn. 2 XXXX XXXXXXXX XXXX  credit cards and 1 XXXX  XXXX credit card! 

This account has yet to be verified after multiple requests to have it verified. Experian states that it is a closed account, so there can not be any monthly activity. This further proves that this alleged account is fraudulent and reporting inaccurate information, which is a violation of my consumer rights. It continues to lower my score when they engage in such illegal activity! 

Do not respond that Im an unauthorized individual when I have attached my id and provided ssn, email, date of birth and consent to investigate this matter! 

This issue is causing my mental anguish, affected my employment and my consumer right to apply for additional financial products.

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 2021-12-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services
State: MD

Complaint narrative:
I finished XXXX XXXX in XXXX and had Stafford loans which I consolidated probably at the end of XXXX or beginning of XXXX, so these are older loans, so I'm not sure if they are considered Federal loans anymore because I consolidated them, but they were stafford loans originally. I consolidated to lock in a 2.87 % interest rate. I began making payments, and at some point the loan service was changed to ACS Education Services. My due date was changed to the XXXX of every month. So I made electronic payments that they would get on the XXXX every month, but it took them between 5-10 business days to recognize the payments, so they considered them late. I would get phone calls typically by the XXXX of the next month, saying XXXX payment is late, and that they would contact credit bureaus if I didn't make my payment. This started probably around XXXX. The next day typically I would get an email confirming I had made the payment, but they apparently would consider the day they confirmed my payment as the date of payment. I had contacted the Virginia Attorney General 's office about this, but since I wasn't being charged late payments, and this wasn't going to affect my credit, I didn't pursue the matter, and i just started making the XXXX my payment date. However on XX/XX/XXXX, I found out from my current servicer, XXXX, that I was disqualified from a 1 % loan interest deduction which was a benefit I was elligible for, if i made 48 on time payments ( XXXX shows I was disqualified in XXXX, while ACS or Conduent ( conduent is what ACS changed its name to ) ). So I could have saved hundreds of dollars per year had I gotten that interest rate deduction. I did some research on ACS and there were lots of complaints, so much so that the Department of Education made most of ACS ' loans transferred to other servicers. I lost out on saving a lot of money, would have been thousands, because they were incompetent and didn't process my payments in a timely manner. Is there anything I can do? XXXX only has the information ACS provided, which just shows I made late payments, but it doesn't show my complaints to ACS. I can supply emails showing my complaints to ACS, complaining about how long it took them to process my payments. I've also found my email to the virginia attorney general office. I just didn't pursue this more because I didn't realize I lost out on an interest rate deduction due to ACS ' incompetence. I have also seen ACS was sued by several states over their servicing issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: MD

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix an error 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 non-monetary relief
Consumer complaint received 2021-12-31 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: MD

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix an error 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 non-monetary relief
Consumer complaint received 2021-12-31 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: MI

Complaint narrative:
Equifax is closing out CFPB complaints citing " prior investigations, '' when new information is provided to them. That is, Equifax is now prioritizing ticket closure metrics such as " number oftickets open, '' and " time to closure, '' over review of documentation and reinvestigation. For example, CFPB complaint XXXX was filed on XXXX XX/XX/2021 and involved invalid/unverifiable information supplied to Equifax by XXXX XXXX XXXX The complaint dealt with a billing error. Equifax failed to review the relevant documentation, including a statement on XXXX XXXX letterhead acknowledging the billing error. Equifax further failed to review the disclosure page I provided from my XXXX XXXX bill that specifically states XXXX XXXX can not report accounts a deliquent during a billing error investigation pursuant to 12 CFR 1026.13 Billing error resolution. I provided a statement that XXXX XXXX continued to report deliquency status during the billing error investigation period, acknowledged by XXXX XXXX in their own statement to the CFPB dated XXXX XX/XX/2021 -- this is prohibited. 

Equifax discarded this information claiming that the matter had been investigated previously and results were sent to me. Yet, XXXX XXXX still has the issue open in the correlating CFPB complaint. 

This implies Equifax has taken zero ( 0 ) steps to satisfy their responsibilities as a CRA. If the direct dispute through XXXX XXXX is still under investigation, then the CRA dispute, as filed under CFPB complaint XXXX, should still be pending. In fact the other CRAs still show the same issue open, while Equifax claims an investigation was " previously conducted. '' Therefore, all indictators point to a prioritization of ticket closure over responsibilities of CRAs under the FCRA and automatic updates using eOSCAR for expediency over conducting investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: TX

Complaint narrative:
I recently filed a dispute with TransUnion in regards to a company by the name of XXXX XXXX, In my dispute I stated to TransUnion that I need original documentation that will solidify their reasoning to believe I am liable for this debt. After TransUnion investigation they came back and deemed this account as verified, but did NOT provided me with supporting documents. This leads me the Investigation done by TransUnion was improper and incomplete.

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 2021-12-31 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
RUSHMORE LOAN MANAGEMENT SERVICES HAS BEEN IN VIOLATIONS OF MY CONSUMER RIGHTS SINCE I SENT THEM A LETTER BY CERTIFIED MAIL # XXXX ON XX/XX/2021. AND ALSO INCLUDED WITH THIS LETTER WERE COPYS OF DATA FURNISHERS RESPONSIBILITIES TO CONSUMERS, A JUDGE ORDER, AND A COPY OF MY XXXX REPORT # XXXX WHICH SHOWS RUSHMORE VIOLATION OF SHOWING FRAUD, AND A MIX FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
This is the second complaint I have had to file in regard to the servicing of my mortgage through Loancare on behalf of XXXX bank. This complaint ties into the last one, as they straightened out my account only to throw it into turmoil months later. Loancare took over the servicing of my loan in XXXX ofXX/XX/XXXX when the transfer occurred, I was coming out of forbearance, I had applied for and been approved for deferment. My husband and I accepted and signed the partial claim through HUD in the amount of {$10000.00}, this was sent back to XXXX on XX/XX/2021. For some reason LoancareXXXX never processed my paperwork, after fighting with them for months they finally located my paperwork and filed the claim. They recorded the partial claim in XXXX XXXX on XX/XX/2021. While I was fighting to get them to process my original paperwork, Loancare decided to send me 2 more deferment packages each one with different amounts. I refused to sign these packages as I had already signed, and they had recorded the original in the amount of {$10000.00}. They keep calling and sending emails regarding the second and third packages, they did not seem to understand that a claim had already been processed. In XXXX of 2021 they seemed to finally have everything straightened out and we felt the whole mess was finally behind us, boy where we wrong! On XX/XX/2021, I received a letter stating that I was 8 months behind on my mortage ( this is not correct I pay every month ) so I called to find out what was going on now. I spoke to a supervisor named XXXX id # XXXX, he could see that I was making my payments and was unsure why my account was showing 8 months past due. He escalated my account to his supervisor and told me I could expect a call in a few days after they reviewed my account. On XX/XX/2021, XXXX id # XXXX returned my call she stated my account was past due because I requested to cancel the deferment. ( THIS IS 100 % INACCURATE ) also possibly illegal as I have a claim recorded on my home through HUD, that has not been reversed. The only place they reversed this deferment was in their system. XXXX told me she would look into my account and return my call, this never happened. The mortgage statement I received on XX/XX/2021, shows that my account is current and by XX/XX/2021, I was 8 months behind. I am not sure what is happening at Loancare but at this point I believe they are illegally trying to take my home as they have started sending me foreclosure notices again. Loancare needs to be investigated their practices are beyond incompetence 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 2021-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Block, Inc.
State: NV

Complaint narrative:
I hope I choose the right category for this matter but I posted something on XXXX XXXX and this guy said he wanted to buy it but he would pay me on cash app. I gave him my cash app and he never sent me a penny but he said that he had to pay a extra XXXX $ on top of the XXXX $ He was paying for the product. So he made a fake cashapp email telling me that I needed to buy 2 gift cards from me 1 steam and the other one could be anything both with XXXX $ on them. At this point I knew the scam I have his email and number is XXXX if anyone has this told to them DO NOT TRUST IT make sure your getting texted by a a company email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
Account # XXXX shows a past due amount of {$330.00} however, I have never had an account or relationship with this company that is being reported. I am unaware of this company and past due balance. And as a result I need for this account to be removed immediately or I plan to take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I lost my debit card at my job in the mall and someone must have picked it up and then I noticed that there was sever thousand worth of purchases over the course of XXXX XXXX that were unauthorized and I was not in the state at the time I was visiting my cousins wedding in XXXX, ( fraud happened in XXXX  ) the bank had refused to accept my dispute over 4 times now. Each time with a XXXX reason like, seller contact when I reached out to see if they could help and they used that as one way to deny it. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX and XXXX of 2021 a car dealership ran my credit multiple times and in some instances to the same creditor. I was very detailed in my request to only have my credit run only once and for a specific bank only as i already had the approval number from that bank that i had gotten prior to going to the dealership. I reached out to the credit companies and they advised me to contact the FTC. 

Capital one finance- XX/XX/2021 ( twice ) XXXX XXXX XXXX XXXX XXXX ) XX/XX/2021 XXXX XXXX XXXX ( XXXX XXXX XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I had tried to recover funds sent to a merchant who has failed to provide me with items/ products... I filled 2 disputes and submitted evidence of 22 pages, containing murderous statements from the merchant and threats to my life if I tried to get my money back... He sent me tattoo photos of his body of XXXX like XXXX or XXXX and others .... all of which td bank knows.. So their reply after closing it twice is I should deal with the merchant HERE IS WHERE THE BANK MADE ERRORS they are suppose to send me a letter but instead took XXXX ut on the XXXX of dec.. a day after my bday... they took my bday money my father just sent me They never alerted me that they would remove the funds and they closed the case. They never sent a letter stating their choice or the outcome of a dispute ON MY ACCOUNT... They called the cops on my after I said they must be okay with XXXX since they want me to visit a XXXX to get my money back and that the bank is being negligence by not keeping me into the mix with a dispute If they closed it in XXXX and XXXX due to not enough information then why didnt they reach out to ask They said they would call Hey never do I have to call to request a call back Horrible service and the government should get the recording You'd hear how much suffering this bank has caused me I had felt like a fugitive for having been a victim of a scam and my bank is turning their back and not taking responsibility to help me fight this other TD customer for my money back It is federally illegal to charge consumers for products/ services NOT provided I wrote this 2 times by hand to them. The individual also told me on the phone from td that the federal laws do not apply to me... she is willing to deny me my civil rights

Company response to consumer: Closed with explanation