vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX is fraudulently reporting over ten 120 day late payments on my credit ( years after account closure and FULL PAYMENT MADE ). I have called XXXX over 20 times, sent them letters and they always ignore my requests and damage my credit and financial life. Please see my attached screenshots of credit reports. XXXX has caused irreparable harm to my well being, state of mind and life in general. 

Im seeking help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase is reporting an erroneous debt on my credit file that I do not owe. I recently checked my credit and noticed this debt reporting on there, I immediately called and settled this account. I never received any calls, notices or correspondance about this debt and only recently found out. This is affecting me negatively and I ask that Chase Bank please remove this account from my credit file completely. The debt has been settled, and I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I have the Apple Card by Goldman Sachs ; they appear to have double billed me for a recent payment but can not explain to me why : 1. The double payment happened in the first place ( I did not schedule it, nor does the bank account against which it was made show it ) 2. Why my account now shows in arrears if the first payment was successfully processed when that payment reflected a " paid in full '' amount of the previous statement balance. 

3. Whether or not my account is considered " in good standing '' after these errors on their system. 

4. What steps they will be taking to prevent similar errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: TN

Complaint narrative:
I paid XXXX {$60.00} on XX/XX/21, because of a bill they said I owed. When I pulled my credit report, the bill had been reported the the credit bureaus and they did not afford me the opportunity to dispute this amount, because I never used their service and the equipment was returned. The debt is still on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02 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: IN

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX ( Orig Cred : XXXX XXXX ) - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: Ocwen Financial Corporation
State: VA

Complaint narrative:
I already reached out to the credit bureaus and to OCWEN for the account number XXXX and notify them of their error posting for this account on my credit report. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

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 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This bank sent me a mailer trying to get me to open a checking and savings accounts with them and in return I am to receive a total {$500.00} bonus. I read the terms and conditions carefully to confirm that I qualify and emailed them at the beginning to confirm that I qualify. The reason I did this is the promotion required I leave a large amount of money in the account for many months earning no interest. 

The bank wasted my time for 5 months telling me I need to wait for the bonus then finally told me I don't qualify because I had accounts with them in the past. 

When I explained to them that I was a customer greater than 12 months earlier and the terms and conditions clearly state that I qualify as long as it's been greater than two months, the service agents refused to review my documentation or fix their error or credit the missing bonus. 

attached is a copy of the mailer they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KY

Complaint narrative:
My husband and I opened a online bank checking account in my name only ( his wife ) in midXX/XX/2021. We had the funds to be transferred from a savings account in my husbands name only. We provided the funding bank name, account number and routing number with the amount to be withdrawn. Several days later,XX/XX/21, I received an email from the receiving bank that my opening account deposit had been processed. The email gave an initial deposit item #, amount funded, FROM acc. bank name, FROM acc. bank #, TO acc. bank name and TO bank #. All account numbers were x out. 
To this dateXX/XX/21, I have not received the funding for that account. I have contacted both the funding bank and the receiving bank by many phone call and one email complaint to no avail. I have documents from the funding bank but nothing from the receiving bank. They ( the receiving bank ) basically said they have researched but cant find where the funds were deposited and left it with no resolution.This was a very large amount ( {$75000.00} ) that was withdrawn from the funding bank. 
If you can please help me with this issue, it will be greatly appreciated. 
Thank you. 
Do you want me to send copies of documents now or later when I hear back from you?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I bought a home to be built. The builder built it wrong making it unlivable. XXXX XXXX XXXX. I didnt live there. Homeless did. Finally, I lawsuit the builder and won last month. 
So the builder put the house together. I decided after the bad experience I would sale the house. So I sale it and get into escrow and find out that XXXX and XXXX put a lien on my house without notifying mail. I couldnt even receive US mail at that address for years. They fraudulently didnt contact me. I sent them a copy of everything Im telling you. The XXXX XXXX report and the XXXX report. Deadly mold.

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 2021-04-02 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Orig Creditor : XXXX XXXX  ) XXXX XXXX XXXX -XXXXXXXXXXXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: IL

Complaint narrative:
I have reached out to 4 creditors and all have stated that the information and account numbers do not belong to me. I have fraudulent reports on my credit report from companies in Virginia and Arizona when I reside in Illinois. When I spoke with the companies directly they stated that the credit bureau Equifax have placed the accounts on my report in error because the date of birth, name, social security number and address does not match their records. 

So if non of this information matches their records HOW did they verify it? I want answers!!! This information is supposed to be verified before you place it on someones credit. Equivalent should be held accountable for their actions. When I called Equifax they told me that it is impossible for something like this to happen. Well if that was the case how do I have 4 accounts that belong to different people on my report? 

These erroneous reports have dropped my credit score by XXXX or more points. How can we trust that they will report accurately when they do things like this. 

I want these removed from my report Immediately. 

Collection Accounts XXXX XXXX acct # XXXX XXXX Account - XXXX Closed accounts XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX These accounts were added between XX/XX/21 and XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Social Finance, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I closed on my refinance. The funding arrived later and in different amounts than outlined in our closing documents. I contacted the lender every business day for 5 days requesting documentation that outlined the corrections. My requests have been received by multiple recipients XXXX loan officer, member specialist, operations XXXX, and another employee ) and the documentation has not yet been provided to me. This documentation reflects the final settlement. In addition to tax purposes, I should have received this documentation in timely manner during the period between closing on XX/XX/XXXX, and funding, contractually XX/XX/XXXX, but did not actually occur until XX/XX/XXXX. 

While getting the settlement documentation is my complaint, it is worth mentioning that this is not the first issue I have had with the lender. The loan was delayed numerous times due to mistakes, omissions, and poor communication since we began the process in XXXX of XXXX. This includes not ordering payoffs in time, overlooking uploaded documents, repeatedly using the wrong numbers on disclosures even after I had pointed out the issues, and making that same mistake during our first closing that required a 're-do '. 

We originally closed on XX/XX/XXXX. We noted errors in the closing documents - changes had been made since we signed the final disclosures the previous week. After spending an over an hour trying to contact someone at the lender by phone, we finally reached someone who acknowledged the mistake, advised us to sign but not fund, and we'd receive a correction on XX/XX/XXXX. We did not receive a correction and when I contacted the lender to request it, we were told there were additional mistakes in the closing documents ( dates were wrong ) and we'd need to close again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX - XXXX WFDS XXXX XXXX XXXX - XXXX ( Orig Cred : XXXX XXXX ) - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
XXXX Ally Financial XXXX XXXX under Account Number XXXX I leased a vehicle from Ally Financial on XX/XX/XXXX. The lease term was 36 months and all payments were made according to terms. Prior to the expiration of the lease, I requested a payoff quote and submitted full payment on XX/XX/XXXX to purchase the vehicle. Ally Financial received this payoff and deposited the funds. My account at Ally financial shows this payment and the balance is {$0.00}. 

Despite full payment, Ally Financial has failed to release the title to the vehicle. I have repeatedly called Ally Financial to ask about the status of the title release without success. A review of my file will reflect over 6 calls made to date. Each of these calls take a minimum of 30 minutes hold time before speaking to a customer service representative. I been told several times by Ally Financial customer service that the issue is the requirement for an odometer disclosure. Ally Financial customer service has repeatedly committed to sending the disclosure, but no disclosure has been sent to me by Ally Financial, nor have I received any communication from Ally Financial relating to the payoff which was received and deposited by Ally Financial 2 months ago. 

I am very frustrated that Ally has deposited the payoff and has failed to process the release of my title. Ally Financial customer service people point to a backlog of work as an excuse. Any backlog at Ally is not a valid reason to hold title for a vehicle the customer has paid off in full. I have been unsuccessful working directly with Ally Financial and am reporting this matter in the hope that the CFPB will pressure Ally Financial to honor the agreement and release title to the vehicle.

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 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: OK

Complaint narrative:
On XX/XX/XXXX my husband and I went into a mobile home park to apply for a mobile home that we viewed and liked. We put in an application. We were told it would take 24 to 48 hours before we either got approved or denied. Triad Financial pulled our credit on XX/XX/XXXX1. I called Triad on XX/XX/XXXX to find out the status since we had not heard anything. The rude lady who answered the phone said that nothing had been worked. There were not any notes on the account and that it could be up to 92 hours from the time they started working on it. I advised her that our credit was pulled a few days before. She said there was nothing she could do. As of the date of this complaint, we have not heard a word. We have not gotten anything in writing by mail or by email. Nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I already reached out to the credit bureaus and to XXXX for the account number XXXX and notify them of their error posting for this account on my credit report. It does not compliment what the Credit bureaus XXXX claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. 
I had also requested the method of verification, actual proof, physical first-hand documentation of the payment history, and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to 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 explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I made a purchase for a toilet from home depot for a toilet totaling {$370.00} including installation and shipping fee. However, the toilet was never delivered. I made XXXX XXXX aware of this and they had started a refund for me. They initiated the refund in XXXX payments, the first for {$130.00} and I received this on XX/XX/XXXX, the second payment was {$170.00} on XXXX XXXX that I never received, and the third was for {$59.00} and I received this on XXXX XXXX. All three receipts are attached. The purchase was made online through my paypal account that is connected to my credit card with XXXX. Since then, I've tried contacting both XXXX and XXXX of which both deny knowing where the money is. They refuse to help me any further and made me liable for a toilet that I've never seen. I'm a struggling student trying to make ends meet and I saved for along time to have enough for this purchase. I now have {$170.00} disappear into thin air because they somehow lost my money through their online process. I wish there was something we as consumers could do to protect ourselves from companies that use these receipts to basically deny us of any claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
I got a couple of payments taken out of my checking account and then they stopped. I had called me bank and told them to stop and now they are starting up again and my bank is not putting them through but they won't stop and I have no idea what this is for.

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 2021-04-02 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX. XXXX ( Orig Cred : XXXX XXXX XXXX. CENTER ) XXXX

Company response to consumer: Closed with explanation