vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 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 am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2021-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Synovus Bank
State: AL

Complaint narrative:
Good Afternoon, On XX/XX/XXXX, I closed on my refinance with XXXX. My first payment was not due until XX/XX/2021. I, however, made a principal only payment of {$950.00} on XX/XX/XXXX in the XXXX branch located in XXXX, GA. I also made the regular monthly payment plus additional principal ( {$750.00} plus additional principal of {$190.00} totaling {$950.00} ) on XX/XX/XXXX at the XXXX XXXX, AL location. On XX/XX/XXXX XXXX sold my mortgage to XXXX XXXX, however, as of this time, no payments have been made to my mortgage at all including the payment due for XX/XX/XXXX. When I called XXXX to find out what happened, they told me all funds are being held in an " undispersed '' account until the mortgage transfer is finalized. When I asked why my payments were not processed they told me this is " standard process in this type of loan ''. I am accruing interest on the full value of the loan instead of decreasing my mortgage by what I have paid. When I view the escrow file, XXXX has a balance of {$2600.00} while XXXX has an escrow balance of {$2400.00}. When I have asked for a full accounting I am told none exists and that once the final transfer of the account over to XXXX I " should '' be able to get this accounting I am looking for. I have made all payments in good faith, and to deny me access to a full accounting and to not process my payments in a timely manner I am adding compounded interest to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
Convergent Outsourcing , Inc. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX , WA XXXX has been reporting me owing an outstanding balance of {$340.00} to the credit bureaus. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2021-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
On XX/XX/XXXX, Citibank issued a Citi Secured Mastercard to me secured by a {$1100.00} Collateral Holding Deposit. On XX/XX/XXXX, I sent a letter to Citibank requesting that my secured card be transitioned to an unsecured card and my {$1100.00} deposit be returned to me in full. 

On XX/XX/XXXX, Citibank sent a letter to me within which the company stated " We respectfully decline your request to release the Collateral Holding Security Deposit. '' This constituted an adverse action in response to my request of XX/XX/XXXX to transition my secured card to an unsecured card. In taking this adverse action, it appears that Citibank : 1. Engaged in an adverse action as defined within the FCRA 15 U.S.C. 1681 603 ( k ) and the ECOA 15 U.S.C. 1691 701 ( d ) ( 6 ) as implemented by Regulation B of the Board of Governors of the Federal Reserve System.

2. Violated provisions of ECOA 15 U.S.C. 1691 701 ( d ) as a result of engaging in the adverse action. More specifically : A. If Citibank based its adverse action upon some alleged deficiency lawfully attributable to me, none was cited and lack of disclosure would appear to constitute an unlawful impediment to my exercising of my statutory rights. 
A. If Citibank took actions to seek and obtain information about me from parties external to Citibank, none was disclosed as required by federal statute. The lack of disclosure would appear to constitute an unlawful impediment to my exercising my statutory 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 2021-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK
State: CA

Complaint narrative:
I am currently in the middle of a refinance with another lender and Midland mortgage has made it a pain to try and get documents for me to close on my refinance. Ive requested a document which we are going on a months time and still havent received it. I feel like they are preventing me from refinancing the loan and have been the worst mortgage company Ive dealt with. Every time I call no one is capable of helping me or sending me the right documents. We are in 2021 I shouldnt have to fax things over and hope they receive it since I do not get any confirmation. Im hoping they can get their things together and look to help out their own customers. It makes me very upset since its costing me money every single day that I have to wait for them to send me something that is so simple and could be easily emailed over even if its in a few days NOT MONTHS! Midland mortgage has been a pain!

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 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SinglePoint GI
State: PA

Complaint narrative:
Provided this company with a permissible request and cease & desist.

However this company is still reporting to all consumer agencies which is a medium of indirect communication. This company does not have validation of this allege Debt according to 15 U.S. Code 1692g - Validation of debts all collection activities is to be ceased until validation is proven!

15 U.S. Code 1692g - Validation of debts, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
In XXXX I got into a car accident and the car was a total loss. I no longer have the car! I had owed XXXX something so I had keep paying it. I didnt want my credit to be ruin. To this day XXXX I still owe the same amount. I had called Santander so many time and they said they cant do anything about it that I need to finish paying it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: IL

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry : XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Between XX/XX/XXXX-XX/XX/XXXX I lost my chase credit card and alot of purchases were made with it for around {$3900.00}, the last time I used it was at XXXX XXXX and when I contacted chase Bank they removed all the fraud charges and was told the card would be cancelled and have a new one sent to me. Fast forward few weeks later I checked my account and saw all the charges were put back into my account. I should not have to pay for charges I didn't make and I contacted the bank as soon as I found out I didn't have my card with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I AM XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. I RECENTLY CHECKED MY CONSUMER REPORT AND NOTICED SOME UNAUTHORIZED INQUIRIES.

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 2021-09-13 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: PNC Bank N.A.
State: FL

Complaint narrative:
On XXXX I noticed that my credit card payment was for the full amount of over {$2500.00} when I ment to do {$500.00}. I got a confirmation number XXXX and was told 3 business days. It was not resolved and I was told Thursday at XXXX CST and nothing. Same promise on Friday. I called Friday evening and supervisor XXXX said nothing was done or expedited. I called Saturday and they said Monday. Here we are XX/XX/2021 which is 6 business days later and 10 days incl weekends and they said 4 business days. My account is negative and needs resolved and they refuse to help. They are giving me misleading and false information to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I went to my bank to deposit a check that was given to me through a settlement and was issued in my name the administrator of the estate. When I was given the checks I was told by my attorney they could be put directly in my personal account and the estate was only mentioned because it was part of my title. At the bank the teller and the rest of the employees believed the money should go into my account instead of the estate as well. Upon calling her supervisor in front of me they told her what to do and her response was are you sure it hundreds of thousands of dollars after a side conversation and realizing what amount of money was involved the story changed to force the money into the estate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
XXXX XXXX  now Axos bank has closed my account without my consent they are charging me a fee of {$8.00} that was not originally on the banking aggreement, I have had my sons XXXX  payment sent to this account and they are refusing to release the funds to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX/XXXX XXXX reported my MasterCard as over-the-limit on my last statement. Subsequently, they reported this information to all three credit bureaus. This information is inaccurate. On XX/XX/XXXX, I made a payment of {$180.00} to prevent my account from being sent into over-the-limit status. In fact because I did that, XXXX Mastercard 's computer system rebated me interest charges and fees ( see below ). 

XX/XX/2021 *INTEREST CHARGE* PREV CYCLE PURCHASES $ XXXX XX/XX/2021 PREVIOUS CYCLE DEBT CAN FEE $ XXXX However, they still charged and reported to all three credit bureaus for being over-the-limit. I want to them to correct this mistake and report accurately that I was not over limit and report the correct balance to include the {$180.00} payment which would prevent my account status from being changed on my credit report. I have a screenshot of my account activity for XX/XX/XXXX with this evidence highlighted that supports my position. 

Attempts were made to resolve this issue through the individual credit bureau online dispute process, but their websites keep crashing every time I click the Submit button. Someone might want to reach out and reprimand the web-development team.

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 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I enrolled in a program through my employer XXXX XXXX to get on a plan where my employer would pay $ 100 monthly specifically to my Principal balance on the designated loan XXXX XXXX XXXX monthly as long I am in good standing monthly for this loan. The funds have not been getting applied correctly. So far XXXX XXXX has made two payments for {$100.00} one on XX/XX/2021 and one on XX/XX/2021 for both the months of XXXX and XXXX respectively and XXXX XXXX did not post the funds to the Principal balance of this loan as requested. 

I called on XX/XX/2021 initially since the {$100.00} for the month of XXXX was not applied to principal only for loan XXXX XXXX XXXX. I requested that this be adjusted. The customer service agent stated they submitted a request to have this updated and said it would take a few days. The customer service agent also stated that they would make sure that the loan is notated so that funds are applied to the loan 's Principal each month, this did not occur and I had make a second call on XXXX since the correction was not completed. I was told the it will be corrected as before on XXXX call, but this request was not fulfilled. 

I called again on XX/XX/2021 and customer service acknowledged that the adjustment requests were not completed properly and neither one of the {$100.00} dollar transactions were posted to Principal correctly. She stated that she would do a special request to make sure that both instances of {$100.00} for the months of XXXX and XXXX are adjusted and posted to principal only to this loan. She also suggested I ask to see if my employer can address the payments loan moving forward. I agreed, though I was very annoyed because when I set up the program I was asked which loan to apply the funds to initially, which I provided. 

I am still very frustrated that I had to make 3 calls and this point in time, with my funds still not being applied correctly. Funds were not applied to the Principal balance as agreed and I had to call several times and there still no resolution. Please address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I XXXX XXXX XXXX XXXX d/b/a XXXX XXXX entered into a consumer credit transaction via with Citibank N.A. in XXXX of XXXX. A consumer credit transaction in which the terms of the transaction were deceptive. A written notification dated XX/XX/XXXX was received from XXXX XXXX XXXX, a law firm that Citibank N.A asked to contact me regarding the alleged debt which is a violation of 15 USC 1692b ( 2 ) ,15 USC 1692c ( a ) ( 1 ) and 15 USC 1692e ( 3 ). A validation of debt request was sent to Citbank N.A/ XXXX on XX/XX/XXXX pursuant to 15 USC 1692 ( g ), which was ignored. A notice of dishonor and opportunity to cure the default was sent on XX/XX/XXXX and was ignored as well. Citibank N.A then filed a complaint to sue ( See Exhibit B ), which is a violation of 15 USC 1692i ( b ). Citibank N.A also committed additional violations as evidenced by the attached exhibits.

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 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tate and Kirlin Assoc
State: NY

Complaint narrative:
Received communication by mail XX/XX/2021. Numerous violations. 
15usc1692e ( 3 ) 15usc1962e ( 2 ) ( a ) 15usc1692j ( a ) 15usc1692e ( 10 ) 15usc1692g ( a ) ( 3 ) ( 4 ) ( 5 ) 15usc1692k ( a ) 15usc1692f ( 7 ) 15usc1692e ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I am currently listed as a victim in XXXX County, Virginia Supreme Court case CL-2018-0006258 against NC Financial Solutions of Utah , LLC [ Net Credit ]. I took out a loan with them in 2019 with no clear indication of bi-weekly payments or interest accrued for the loan to find that the interest rate determined to exceed 50 %. Net Credit was aware that they were unlawfully violating the Commonwealth of Virginias Consumer Protection Act when the original loan documentation was sent to me. I was advised to halt payments until the case was settled with the Commonwealth of Virginia and Net Credit is still reporting to the credit agencies after correspondence. Net Credit managed the loan transaction to extract the maximum value for itself without regard for the borrower 's ability to repay the loan which is predatory lending and constitutes a crime against individual consumers and Virginia State Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: Financial Assistance Inc
State: CA

Complaint narrative:
Financial assistance Inc is reporting. debt on my CR after I disputed the validity of the debt as I do not believe it belongs to me. I never received anything in the mail outlining the debt, whom it may belong to or actually anything at all! The debt says I owe {$10000.00} and was opened on XX/XX/XXXX which is impossible as I did not apply for anything in XXXX. I have disputed the debt with 3 CRA and the dispute remark reflects its resolved as reported by grantor. How can this be? 

also, the same company is reporting a second debt dated opened XX/XX/XXXX for {$1300.00}. Same exact scenario. Disputed and same remark as above. I have no idea what this is for and never received validity nor verification of the debt. 

Also, the debts are reported as paid and then put back on as balance increased about 4 days later so it reflects as a new account on my report making my credit score drop. 

Also I am guessing that XXXX XXXX XXXX is whom the debt is from? But they are reporting account closed XX/XX/XXXX from a credit card with balance {$4600.00} and charged off as bad debt the account was opened XX/XX/XXXX but if it were closed XX/XX/XXXX they just updated the account on CR as of XX/XX/XXXX. 

I have also disputed with XXXX XXXX as I have no knowledge of this debt and never had a response in the mail from them. I have disputed and on my CR it stated that its resolved. I still disagree

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation