vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-07 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.

Complaint narrative:
My credit reports shows the information which does not belong to me. 

Earlier, The same issue happened to me in 2019. I created dispute and corrected everything. 

Now same issue happened to me recently. And someone unknown informations, inquiries and collection accounts are observed in my credit report Equifax and XXXX  are saying that information might be mismatched with someone else with similar name.. 

I have suffered a lot. I got denied for the government licence ( XXXX  ). I have been in process for correcting everything for more than a month. I got tired of making calls. This is wasting my time without even my fault. 

If Equifax and XXXX will not record my information correctly, how many times I have to create dispute in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
We filed a complaint with the Consumer Financial Protection Bureau, case # XXXX. Fifth Third Bank ( 5/3 ) has not addressed all of my issues with the case. Fifth Third has completely ignored my request for backing data as to how they have concluded the amount of PMI overpayment. 

While Fifth Third forwarded us a check for fraudulently collecting PMI insurance from us. We have not received the justification for the amount that they have refunded us. 

We believe this is only a partial refund of the amount due to us. Fifth Third stated that they have " provided a refund of all PMI payments made since XX/XX/XXXX ''. We have asked for backing documentation to justify the date which Fifth Third determined our PMI overpayment, and by extension the justification of the refund amount. We have not received this information. 

It is highly irregular that while 5/3 Bank gave us the run around and ignored or outright lied to us about the process to drop PMI on our mortgage for 6 years, when we filed a case with the Consumer Finance Protection Bureau, magically, they concluded that our PMI should have been dropped. 

Our original loan 's PMI insurance was due to be automatically dropped by XX/XX/XXXX with 5/3 bank. 5/3 bank seems to have a scheme to overmarket and push pre-approved refinancing offers as a means to extend their profits, all in the guise of saving their customers money. With this refinancing scheme, and XXXX ignoring our continued requests to drop PMI ( violating HPAs disclosure and notification requirements ), the refinancing of our loan would have had us paying PMI on our loan until XXXX of XXXX on a loan that was originated by the lender on XX/XX/XXXX. That would be 20 years of PMI payments on a 30 years loan. 

Fifth Bank and by extension CFPB has closed our case, as Fifth XXXX determined our case " closed with explanation ''. They never gave us the documentation we requested as to how they arrived at the refund amount or date in which they determined our PMI should have concluded. 

Yet again, when asked for transparency and information, 5/3 is ignoring our request for the data for the amount of our PMI overpayment. We believe Fifth third has only issued us a partial refund for PMI overpayment. Fifth Third stated that " After an additional review of your account, we provided a refund of all PMI payments made since XX/XX/XXXX '' We believe there is a discrepancy of approximately two years of PMI overpayment or about {$3200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: CITIBANK, N.A.
State: SC

Complaint narrative:
In XX/XX/2020, we purchased 2 tickets to see XXXX at the XXXX XXXX in XXXX, SC. The amount was {$330.00}. Due to Covid, XXXX first postponed her show until XX/XX/2020 then again in XX/XX/2020. I then received a notice saying that the show was cancelled. Citi Advantage has not refunded me my money. I also called Vivid Seats where the tickets were purchased and they said the concert still shows postponed on the website although I have something from ticketmaster that says cancelled. I feel my money should be refunded. No, XXXX XXXX authorized Vivid Seats to sell tickets which we charged on the credit card this event did not take place and we should get our money back!!!

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 2021-05-07 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I've had a Target Red Card Credit Card for 12 years. Initially the Credit Limit was somewhere around {$2000.00}. For a long period of time I was continually carrying a balance on this card month after month and at times coming close to maxing out my limit. Even during this time, I never made a late payment. At some point when I was carrying a balance on the card my credit limit was increased to {$6200.00} without my knowledge. Eventually I paid down the credit card and didn't use it as frequently as I previously did. In XXXX of 2020 Target lowered my credit limit from {$6200.00} down to {$2000.00} again without my knowledge. When I found out, due to my credit score being lowered because the ratio of used credit to available credit had changed. I called Target 's credit card services who told me it was lowered due to inactivity and they would look into correcting the limit. Since that first call I've had to call back 2 more times and during the times I was questioned about my income level, which has only gone up over the last 10 years and told that the computers review these cases so they could take months to change and basically told that there was nothing they could do to fix it. If this credit card wasn't the oldest thing being reported on my Credit Report and there wouldn't be a negative impact to my credit report, I would've closed it already. I feel like extending someone's credit when they're carrying a max balance and lowering it when they're not using the card is basically predatory lending. I don't absolutely need the extended balance on this card but the principal of the situation and the lack of response from Target is what really upsets me in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
For my auto loan with capital one my loan was switched to paperless without my consent. This made it so my auto payment was filed late as i had not received the coupon in mail. Then my auto loan was reported as a missed payment to the credit bureaus and dropped my credit score. This ruined my credit, and when attempting to resolve they state they tried to contact me multiple times, of which i only received one call where i paid the payment immediately. They refuse to retract that missed payment and I am suffering for what i consider their fault for switching me to paperless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AE

Complaint narrative:
On XXXX, I logged into my Chase account to wire money to a brokerage. I am active military deployed. After placing two wire requests, I noticed the first was successful while the second triggered a review. 

Wanting to get ahead of the problem, I called into Chase. After a 30 minute hold, I worked with a CSR to verify my identity through confirming my details and providing information from my debit card. After this was complete, I was assured the wire in question would go through within 20 minutes by the end of the business day. I let him know I was deployed and he made note of that in my account. 

A few minutes later, I received notice of a message on my phone that I needed to call into Chase to verify account details. I was placed on another hold but this time, it was 45+ minutes. After picking up, the CSR had me go through another battery of questions, this time from my public records. Upon going through this, the call dropped and the CSR made no attempt to connect with me again. I am now being subjected to another 40+ minute wait. 

I then noticed my Chase account to be locked to 'protect me from suspicious activity. ' I then got an email that my wire was cancelled. This was been an extremely poor experience and it is clear to me that Chase simply does not care. They will waste time and pose extreme inconvenience to deployed Soldiers without any consideration or concern of consequence. 

So as I write this, it is my hope that after 150 minutes, and despite being proactive upon seeing a review triggered, I will have the chance to resolve a simple task of verifying my identity and not to be treated like a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: NJ

Complaint narrative:
On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that an account that is part of Identity theft and that was removed last month came back on my report alleged account XXXX, so I am asking to please remove it from my credit report, they remove it once, so why they brought it back if the account does not belong to me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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.

Complaint narrative:
My credit reports shows the information which does not belong to me. 

Earlier, The same issue happened to me in 2019. I created dispute and corrected everything. 

Now same issue happened to me recently. And someone unknown informations, inquiries and collection accounts are observed in my credit report XXXX  and Transunion are saying that information might be mismatched with someone else with similar name.. 

I have suffered a lot. I got denied for the government licence ( XXXX  ). I have been in process for correcting everything for more than a month. I got tired of making calls. This is wasting my time without even my fault. 

If XXXX and Transunion will not record my information correctly, how many times I have to create dispute in the future.

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 2021-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I reached out to you and my issue with Convergent Outsourcing is still not resolve and they are still reporting an unverified and invalidated account on my credit report in the amount of {$350.00}. Which I beg the differ. Here is the tracking # XXXX to show that they got the letter and just continues to ignore me as well as break the law. And violate my consumer rights.

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 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
This is a new complaint regarding open case XXXX. Wells Fargo continues to lie to CFPB in their response. The complaint was submitted on XX/XX/21 and till this date, they have not resolved the issue. In their response to CFPB XXXX, Wells Fargo indicated that they need more time because they were unable to reach me. This is inaccurate. If CFPB does not regulate banks and start having consequences for Wells Fargo for continuously lying to consumer and CFPB, I will start writing to the Senate and House Financial Committee. 

Till this date, besides receiving a letter from Wells Fargo stating that they are still researching and assign my case to XXXX XXXX, XXXX, I haven't received any phone contact from Wells Fargo. It's inaccurate for them to say that they were unable to make contact with me. I called Ms XXXX on XX/XX/21 and XX/XX/21 and left messages on both occasion and I haven't received any return call. I called XXXX and spoke to XXXX XXXX on XX/XX/21 around XXXX XXXX Pacific Time and spent 23 minutes and she was unable to find someone to assist me. I finally ended the call and told her to get someone to call me back which I haven't.

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 2021-05-07 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: Nelnet, Inc.
State: HI

Complaint narrative:
I had a hard inquiry done on XX/XX/2021 stating that my credit report showed numerous accounts for my student loans. Then on XX/XX/2021 I received a letter from Nelnet stating that my XXXX XXXX Stafford-Unsub students loans had a balance of {$6000.00} and a XXXX XXXX XXXX student loan had a balance of {$3400.00} totaling up to {$9400.00}. However my award history from the University of XXXX XXXX statement shows I was awarded in XXXX Federal Direct Sub Loan for {$1700.00} and XXXX XXXX Unsub loan for {$3000.00} a total of {$4700.00}. However according to my credit report stating that I had a derogatory remarks and past due amounts of {$5400.00}. I am fusion I am losing the opportunity to buy a home and a government down payment assistance grant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: FC HoldCo LLC
State: TX

Complaint narrative:
In response to 1st complaint ID XXXX. In the letter response sent by Flagship Credit they state that my credit is updated/ reported monthly. Which is not true, as stated on my credit report. My account still shows past due as of XX/XX/2021. They have not fixed the issue and its affecting my credit score. They are failing to report the accuracy on my account. None of my 2021 payments are reflected on my account. Again my account is paid ahead and not behind. I have attached my account reports as of XX/XX/2021 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 2021-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Zelle is the Only App that does not have any accountablilty nor does it warn users that sending money to a stand alone zelle app is not protected..Zelle and XXXX  XXXX only notify consumers after the money has been given and it does not matter if the president of the United Stated says it is fraud..the defense is that you should only use zelle for family and trusted friends..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: CA

Complaint narrative:
We started receiving calls from Discover Financial Services, which we did not answer as we were suspicious as to authenticity. We are Discover customers and when they do contact us they leave a message, email, and/or text ( regarding suspicious activity. ) On XX/XX/2021 my wife took a call from them. They are seeking to speak with our adult son who does not live in our home. We took the message that they want him to call. Discover continued calling, usually several times a day. Since speaking with them on XX/XX/XXXX, which was two weeks ago, they have called 49 times, including three today ( XX/XX/XXXX ). I spoke with them, advised them we had spoken to them on XX/XX/XXXX, advised that they should not be calling and not to call again. 

Our telephone service maintains a log of calls, so I have a record of each call received. They never leave a message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a loan with SYNCB/XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX and XXXX, and SYNCB/XXXXE XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX reporting me having late payments. There was an error on their part. I was never late.

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 2021-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
I disputed this inaccurate account a long time ago and Jefferson Capital still has never sent me any information regarding this alleged debt, which I have disputed ( which is a violation of 15 USC 1681 s-2 ) Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( B ) & ( a ) ( 2 ) ( B ) a data furnishers compliance is required. Pursuant to 15 U.S.C. 1681I ( 5 ) ( A ), they have thirty ( 30 ) days from receipt of a letter to respond to a request for verification of the erroneous items. The thirty ( 30 ) days has now expired, and I have not heard from them. Therefore, it must be that the information on my report was either inaccurate, or it could not be verified. In either case, according to the provisions of 15 U.S.C. Section 1681i ( a ), the item must be deleted immediately. Pursuant to 15 U.SC. 1681i ( d ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have an Experian account at www.experian.com that is no longer functioning properly. It allows me to login but then says that an unexpected error has occurred, at which point no other options are available except to call Customer Support I attempted to fix the account by calling Customer Support on XX/XX/2021. After being bounced around to multiple departments, I reached a service representative ( XXXX ) who said that it was impossible to reset the account, despite having a valid username and password, and that nobody at the company would be able to do so. He refused to allow me to speak to a supervisor and eventually hung up.

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 2021-05-07 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: Prosper Marketplace, Inc.
State: PA

Complaint narrative:
Received several emails about loans that were opened in my name along with a credit card that was mailed to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation