vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XX/XX/XXXX, XX/XX/XXXX and Experian CRA. On XX/XX/2020, I mailed XX/XX/XXXX, XX/XX/XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
i had XXXX 2 times taken outta my account not authorized by me. i went to a branch in XXXX XXXX an a lead lady helped me i tried give her police report an she did not take it she did refuse an stated that its my fault that i gave caller my acct. information, shes a lier i never ever gave anyone my acct. information. so i went to celebration branch an XXXX took my police report an submitted report to bank, an they continue to refuse paying me back my XXXX XXXX XXXX was the one at first bank who continues to repeat to me that i gave my information, im sorry but yes she is a lier. she hurt me bad.this is regions bank an yes i left them to go to XXXX XXXX XXXX XXXX a great bank.

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 2020-10-19 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: TX

Complaint narrative:
I have not go a response from them and its been over 7 weeks. It is my understanding that they are to block fraudulent items in 4 days. they now have multiple violations. See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
I do not have this debt. Bogus charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: NJ

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XXXX/XXXX/2020 and the 60 Day demand to comply was sent on XXXX/XXXX/2020.

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 2020-10-19 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: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage continues to FAIL to update their system with my correct contact information. I have received ZERO correspondences that they claim to have sent to me in response to my written requests because these notices are only going to the primary borrower 's physical address that I am not affiliated with. I have begged and pleaded with Freedom Mortgage since XX/XX/XXXXto update my contact information as the secondary account holder to no avail. It has come to my attention from XXXX XXXX that NONE of these mailings are coming to my attention and my request for address updates have repeatedly been ignored, which has consequently damaged my credit report. XXXX XXXX, please update my contact information with your files, and send written responses to my requests to the address that I have provided to your company numerous times. As a consumer I have the right to information on this account and limiting my access to information on the service of this account has cause a great deal of unfair credit reporting. Inaccurate contact information for me does not allow to be aware of or allow me any opportunities to address any discrepancies on the account. The Fair Credit Reporting Act ( FCRA ) is a federal law that protects me as a consumer from unfair practices and credit mishandling.

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 2020-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
Hello, About 1 week ago, I received a letter from Loan Dept. my acct # XXXX, stating that I am {$180.00} short in my escrow account, which is strange, since I have a balance of XXXX they would charge me XXXX dollars more a month for a year to make up the difference, I did the math, that comes out to {$380.00}, which is {$200.00} more than the original {$180.00}. Is this Loan Depot or XXXX XXXX? I am on a limited budget, my main source of income is XXXX, and can not afford any unnecessary increase

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: NJ

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

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 2020-10-19 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: NJ

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not got a response from them and its been over 7 weeks. It is my understanding that they are to block fraudulent items in 4 days. they now have multiple violations. See attachments

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 2020-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
I was 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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OK

Complaint narrative:
I attempted to withdraw XXXX dollars from a gas station ATM on XX/XX/2020 but had forgotten my pin. I never received the cash my transaction was denied due to invalid pin. I have receipts showing no money was dispensed. My bank ( Chime bank ) deducted the XXXX from my account anyway. I have disputed and was denied with no reason except that the ATM company said no error occurred. I have emailed them and they won't answer me. I have attempted to reach out all the way up through the company including the CEO but have been ignored. No one will help me and I can not afford to lose this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Since XXXX of 2020, I have sent in 2 different disputes of BBVA USA reporting delinquency to my XX/XX/XXXX credit report that now is showing a {$15000.00} amount out of nowhere. This is reflected on my credit report after the debt has been canceled as of this Spring. My brother received the 1099-C Cancellation of Debt form from BBVA and I haven't been listed on this account for over 5 years after the account was closed and negotiated. I've called BBVA multiple times and been rerouted through their departments ending multiple times in their collector 's hands asking me to pay the amount owed and not helping me resolve the fact that I don't owe anything. I have been fighting with BBVA since this happened years prior and am not sure why this is now just appearing on my credit as of XX/XX/2020. I have tried every route I could think of and was transferred and hung up on so many times I was at my wits ' end until my sister told me about CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would like to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report and discovered an inquiries that I have no knowledge of. 
Because I did not apply for credits, I have also reached out asking that they remove the inquiry from my credit profile. 

Please start an investigation.

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 2020-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BEACON FINANCIAL CORPORATION
State: MA

Complaint narrative:
Feedback provided CFPB CLOSED THIS AND THE BANK SIMPLY LIED TO US ALL XXXX STATUS Feedback provided on XX/XX/2020 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS com [ pany response clearly states MONETARY RELIEF AMOUNT of {$180.00} Today I received a check marked ESCROW AMOUNT and it was for {$70.00} They charged me for Flood insurance from XXXX to XX/XX/XXXX 6 months and did not even pay me 50 %. They were suppose to pay the full amount {$180.00} as well as the additional amount I paid out of pocket which seems to be {$230.00} as the old premium was {$1700.00} and the new premium is {$1900.00} I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS I do not understand this XXXX XXXX emailed me stating the original coverage i had prior to the forced placed policy was sufficient and the increase was something I did not need to do and I would be receiving {$180.00} as well as the amount I paid out of pocket as well THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS I can send you a copy of the check dated XXXX Number XXXX XXXX and it is for {$70.00}

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 2020-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
My mortgage is serviced by PNC Bank. I first contacted PNC Bank about my loan to value ( XXXX ) percentage in XX/XX/XXXX for removal of private mortgage insurance ( PMI ). At that time, my XXXX was 83.4 %. I contacted PNC Bank in XX/XX/XXXX to inquire about my current XXXX for removal of PMI. I was informed it was 76 % as of XX/XX/XXXX. Therefore, the private mortgage insurance ( pmi ) was not removed when my loan to value amount reached 78 % in XX/XX/XXXX. In XX/XX/XXXX, I requested a review of my case for refund of overpayments, since the PMI should had been removed when my XXXX reach 78 % per the Homeowners Protection Act. I was told that they did not monitor all accounts to determine when they reach 78 %. I was told they follow the amortization schedule and not the actual account. I have been denied a refund of overpayment of PMI. By law, it should have been removed at 78 %. My account has been in great standing. During XXXX and XXXX, I spoke to two individuals in the escalation department and was denied a refund. I am extremely frustrated that I have been paying for PMI that could have removed months ago based on the Homeowners Protection Act. During this time of nationwide crisis, I would think that PNC Bank would understand the importance of individuals being able to maintain their bills. I don't believe in throwing away money. Every dollar counts as we all try to deal with uncertain time. I made my mortgage a priority and I feel I should be treated as a priority.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: DC

Complaint narrative:
I recently sent letter over 60 days ago to these Bureaus and they are disregarding a regular consumer disputes. Im stressed and have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has been charging me late fees and interest fees while also restricting my use for several months. My account was compromised a few months ago, and after I reported it, they did very little to solve/return the amount. For a few months now I had been paying the credit card past due amounts but it was never moving because they were also charging me interests. Every time you attempt to call, they always make it impossible to help and the customer service people are very difficult to understand and never understand you. Plain simple, they are finding all they can to just keep charging interests and fees and not waive any of their mistakes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Reliant Home Funding, Inc
State: NY

Complaint narrative:
Looking in to a refinance. I applied on XX/XX/16. Loan officer will not provide me with a loan estimate until I provide him with full income documentation. I argued with him that he has my credit info and full application but he refuses to send it to me! This is his info : XXXX XXXX | XXXX  : XXXX Licensed Loan Originator Reliant Home Funding, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX | NY | XXXX Direct : XXXX Fax : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
False charges all from XXXX XXXX. Two for {$17.00} and one for  {$12.00}, grand total {$48.00}. On XX/XX/2020 Capital One sent me 3 letters asking for me to call their support center for more information. I  did and was told, " never mind nothing more needs to be done. '' Capital One then rebilled these charges on XX/XX/XXXX. On XX/XX/XXXX I faxed Capital One referencing my case number XXXX XXXX and requested a credit into please stop asking me if I want to have a credit because this is request number 3 and yes I am disputing the claim however they rebilled me a third time! I do not know who targetdealz is. I want a refund of {$48.00} and I do not want Capital One question me if I am sure I want this done. I really do!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: CA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

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 2020-10-19 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: CA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation