vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 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: Lending Club Corp
State: PA

Complaint narrative:
I paid off the balance of the following accounts, disputed the balances via XXXX  and XXXX, and the companies refuse to report a XXXX  balance : 1. Lending Club : Paid of entire balance of the loan in the amount of the loan and still report/verify to credit bureaus a balance due ; 2. XXXX XXXX  : Paid of entire balance of the loan in the amount of the loan and still report/verify to credit bureaus a balance due ; 3. XXXX/XXXX  : Reporting/verifying incorrect balance to credit bureaus ; 4. XXXX XXXX : XXXX XXXX XXXX to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I had initially attempted to correct an incorrect status with all credit reporting bureaus regarding a XXXX XXXX account incorrectly showing as a charge off. When I did not receive any relief, I came to the Consumer Financial Protection Bureau website in order to try to have the problem resolved. Since doing that, the original XXXX XXXX problem remains, but now XXXX  and Equifax have altered my credit report and it now contains several errors. I filed bankruptcy in XXXX and it was discharged in XXXX of XXXX. My credit reports on across all reporting agencies has always correctly shown a bankruptcy discharged in XXXX and all of the accounts included in the bankruptcy have reflected that. There were never any errors or problems with the bankruptcy. Now, the bankruptcy is no longer showing on XXXX  or Equifax and the account included in the bankruptcy are showing as late payments, with no mention of the Bankruptcy. This is from XXXX, and it has been changed, without cause. I never disputed the bankruptcy or the contents therein. XXXX, an old XXXX XXXX, an old XXXX account, XXXX/XXXX  are all showing as late payments. Everything this happens, my score goes down. Every time I try to correct one problem - with the XXXX XXXX account, a new problem arises. I am afraid this is going to effect my current accounts, that are in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I signed up for a savings account with Ally Bank and at the time they were offering a cash bonus if you put enough money in the account. I did that and over a month after the bonus was supposed to come still nothing. I didnt take out more than I invested initially and I followed the rules right on their website and even their FAQ. If there was any rules I didnt follow they were hidden and not even their customer support could find them to give me documentation of what I did wrong. They were just searching for a reason to justify themselves for not giving it to me even after I directed them to their own website showing that I did everything right.

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 2020-09-16 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I paid off the balance of the following accounts, disputed the balances via XXXX   and XXXX, and the companies refuse to report a XXXX  balance : 1. XXXX XXXX : Paid of entire balance of the loan in the amount of the loan and still report/verify to credit bureaus a balance due ; 2. CitiBank/CBNA/XXXX XXXX : Paid of entire balance of the loan in the amount of the loan and still report/verify to credit bureaus a balance due ; 3. CitiCards/XXXX  : Reporting/verifying incorrect balance to credit bureaus ; 4. XXXX XXXX : Reporting Incorrect Balance to credit bureaus.

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 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: WI

Complaint narrative:
XX/XX/XXXX Good morning, Were reaching out to you - once again - to bring to your attention, the manner in which Selene Finance has handled our loan modification. While were grateful that an offer was extended, the terms of this modification are absolutely unacceptable. The most obvious issue here is that there are two separate balloon payments which represent arrearages that have not been itemized {$71000.00} and {$34000.00} There is no breakdown, whatsoever, as to what constitutes either of these amounts There is also no mention, whatsoever, of the application of the SEVEN TRIAL PAYMENT PLAN PAYMENTS that we made, totaling {$7900.00} There is also an issue regarding Corporate Advances that Selene claims to have incurred from the transfer of our loan on XX/XX/XXXX, from XXXX XXXX. The amount claimed by Selene is {$7200.00} and after going through the charges, it appears as the actual number is only {$5300.00} These issues alone are troubling enough, but if we bring into question whether or not Selene Finance actually used the FHA Waterfall Guideline when modifying our loan. It's clear that we now have a loan with a full payoff amount that is nearly 225 % loan to original pre modification principle balance. There is absolutely no way that Underwriting could have signed off on this modification Of even greater importance, we've submitted TWO qualified written request letters, requesting an explanation of these issues and  the 30 day review period has passed- with no response. We spoke with them on XX/XX/XXXX, we were told that the itemization of these fees would be included in the FINAL Loan Modification documents - after we accepted and signed it Again, this is yet another violation of Federal Compliance Guidelines, as well as RESPA laws Were asking that you step in immediately and demand  that Selene explain themselves and take immediate corrective action. 

Pictures of all documents sent and received are included in this complaint. Thank you for your assistance with this and I'm available anytime to discuss this matter in detail XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TRANSUNION IS NOT UPDATING MY CREDIT CARD BALANCE AND HAS REPORTED THAT I HAVE A BALANCE OF {$350.00} AND THAT MY CURRENTLY USE OF 71 % THIS IS INCORRECT MY BALANCE OF THIS CREDIT CARD IS {$18.00} AND MY USE IS UNDER 10 % I HAVE ENCLOSED A SCREENSHOT OF MY ACCOUNT ANDA SCREENSHOT OF WHAT IS REPORTED Fair Credit Reporting Act Violations There are several common violations of the Fair Credit Reporting Act, involving both the thousands of companies reporting information and the three major bureaus taking the information and assigning it to your credit report. 
Some of the common violations include : When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur? 
* Inaccurate statement of balance due. 
TRANSUNION IS IN VIOLATION OF FCRA 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 2020-09-16 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: MD

Complaint narrative:
on XXXXwas on the phone with the XXXX XXXX XXXX XXXX  trying to get my computer fixed. The rep. I was talking to was XXXX XXXX, who transfer me to a XXXX named XXXX XXXX. His Id # was XXXX XXXX  SUPPORT. He worked on my computer remotely. After hour of working on my computer he told me that he I needed a part that cost XXXX in order to fix my computer. So I gave him my credit card number to buy the part and he said it would take a little more time to fix the problem. He then told me he was working on two account at the same time and charged a lap top to my account for the other person in the amount of XXXX dollars. I told him to rein burst me the money. He told he had send the money to my checking account. Than he said he made another mistake and sent me XXXX to my account. He told me that I needed to sent him back XXXX dollars through a International wire transfer to a XXXX XXXX XXXX. I went to my bank to have this checked out and found out that he was into my saving and checking accounts. The bank shut down my accounts right away to stop him from getting my money. I went back home and called the credit card company to report a Fraudulent charge. Now the Chase Slate credit card company is denning my claim. They said the charge was to XXXX XXXX and I benefited from the charge. I did not receive anything from this charge and I called them with in 24 hours of the charge to let them know I did not make that charge so I don't feel I should have to pay that money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, XXXX  XXXX XX/XX/2020 RE : Complaint To Whom It May Concern, Not too long after having enacted a complaint against a credit bureau on XX/XX/2020 with your organization due to inaccurate reporting, now all three credit bureaus : XXXX, Trans Union, and XXXX  have since in retaliation alleviated all payment history entirely from all of my 13 accounts. All three credit bureaus are now purposely reporting inaccurate payments, as well as, all three bureaus are consistently, falsely purporting that my all of my accounts have incurred high balances on a monthly basis or were otherwise overdrawn. 

The above actions have detrimentally negatively impacted my credit score,  inhibited my ability to obtain credit, due to the fact that while all three credit bureaus state that I have exceptional payment history, no actual payments are being displayed by any of them, or if in fact a payment is being reflected, it is that of a payment amount being displayed as that of {$0.00} ( View enclosed ). 

In closing, I have tirelessly and arduously filed numerous disputes with supporting documents indicating that each credit bureaus reporting is inaccurate to no avail ; thereby, I again seek your assistance in aiding me to resolve expeditiously under the guidance of the FCRA ( Fair Credit Reporting Act ). 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  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 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 RE : Complaint To Whom It May Concern, Not too long after having enacted a complaint against a credit bureau on XX/XX/2020 with your organization due to inaccurate reporting, now all three credit bureaus : XXXX, XXXX XXXX, and Equifax have since in retaliation alleviated all payment history entirely from all of my 13 accounts. All three credit bureaus are now purposely reporting inaccurate payments, as well as, all three bureaus are consistently, falsely purporting that my all of my accounts have incurred high balances on a monthly basis or were otherwise overdrawn. 

The above actions have detrimentally negatively impacted my credit score, inhibited my ability to obtain credit, due to the fact that while all three credit bureaus state that I have exceptional payment history, no actual payments are being displayed by any of them, or if in fact a payment is being reflected, it is that of a payment amount being displayed as that of {$0.00} ( View enclosed ). 

In closing, I have tirelessly and arduously filed numerous disputes with supporting documents indicating that each credit bureaus reporting is inaccurate to no avail ; thereby, I again seek your assistance in aiding me to resolve expeditiously under the guidance of the FCRA ( Fair Credit Reporting Act ). 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: GA

Complaint narrative:
AFNI, INC. did not provide the proper documentation as requested and continued to leave their collection activity on my credit report.

During this validation period, Afni, Inc., actions was and still is detrimental to my credit reports. The information own my credit report was never validated or verified as being my account there is no provided proof that it is.

Afni, Inc., never validated my request within 30 days from the date they received my letter, all references to this account was never deleted and completely removed from my credit file and a copy of such deletion request was never sent to me. 

I am attaching the signed return card from the post office showing they received my request and had their full 30 days to validate this debt and they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: DC

Complaint narrative:
I received an escrow cancellation letter on XX/XX/XXXX, advising I have until XX/XX/XXXX to keep the escrow account open. A complaint with CFPB was filed in XXXX ( XXXX ). In the initial complaint, an escrow waiver was requested out of frustration. The escrow account was finally set-up. I spoke with a representative in XXXX regarding the escrow account and advised I would like to keep the escrow account open. My first escrow payment was due and sent for XXXX. Only to receive a letter on XX/XX/XXXX, notifying the escrow account is waived. And I had until the XXXX to keep the account open. It is difficult to get information conveyed by phone to the right department. The letter also mentions the penalty amount of {$130.00} for taxes was disbursed. However, I was told only XXXX was paid and the XXXX was not added to my escrow account. As I advised in my initial complaint, the tax penalty was paid by me and I would like the penalty funds added to my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I can not get Bank of America to reimburse my final payoff overpayment for my mortgage. On XX/XX/2020 I sent a personal check to their payoff department in XXXX Tx. in the amount of {$1400.00}. This was the payoff good until XX/XX/XXXX. On XX/XX/XXXX I waited over 2 hours to speak to a rep to ask why my check had not been cashed. He could not find any information on the check and suggested that I wire transfer the money to BOA. Subsequently I was informed when I called back that my mortgage was satisfied on XX/XX/XXXX. Not knowing this, on XX/XX/XXXX, I spent {$30.00} sending the new payoff amount of {$1400.00} to their wire transfer department from a different bank. I have the Transaction Reference Number and the MRC account number into which the funds were received. However, on XX/XX/XXXX, my bank registered that the original check had been cashed closing my mortgage account, but my wire transfer money was not returned. On XX/XX/XXXX I spoke with XXXX after waiting on hold for 90 minutes, who promised me that within 24 to 48 hours this wire transfer money would be sent to my checking account ( gave him my routing number. ) Nothing happened. On XX/XX/XXXX I spoke with XXXX after waiting on hold for over 90 minutes, who transferred me to manager XXXX after another 30 minutes. She promised that within 24 to 48 hours she will make sure this is resolved. Once again it did not happen, and never a return follow-up call to me at any time on this issue. It was necessary for me to take out a loan to cover this second payment. Is this bank XXXX? Is this wire XXXX? Is this total incompetence on the part of Bank of America?

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 2020-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Good morning I have a checking and savings account with suntrust bank. I am in XXXX, Georgia. I opened these accounts in XX/XX/2020. From day 1 I have had problems. First my name was spelled wrong, next, my address was wrong. like a fool I still allowed the bank to handle my direct deposit. I am now being continuously penalized and I feel that the bank is not showing the small account holder any benefit or customer service. as of today I have a checking account with a balance of - {$10.00} and a savings account with a balance of - {$240.00}. On XXXX, I transferred {$250.00} from my checking to my savings account tot purchase a laptop from XXXX for {$260.00}. On XX/XX/XXXX, I was informed I had an overdraft in my checking and savings account of over {$400.00}. this was due to the fact that the {$260.00} I paid for the laptop on XX/XX/XXXX was returned to my account without my authorization because overstock ad not collected the money yet. I found out that this was suntrust policy. My role in this was that I trusted suntrust and did not watch my account as closely as I should have. this gave me a false number o n my account giving the illusion that I had more money in my account than I did. as a result I withdrew more money than I actually had. on XX/XX/XXXX the money was withdrawn by XXXX and suntrust then charged every transaction between XXXX XXXX as an overdraft and fees were attached to my account. when I contacted suntrust customer service they explained their policy of returning money to your account after a certain period. I was not told this when I opened the account. After speaking with numerous agents over the phone and no one attempting to find out what had happened and being on hold for hours over qa period of 3 days a XXXX did the work and after seeing what had happened she took the overdrafts off leaving a negative balance of {$200.00} in both accounts even though my checking account was never overdrawn. I was told that when I make a deposit to either account both accounts would return to normal. This was done to my savings on XX/XX/XXXX due to direct deposit. However, the savings account, the account the was originally overdrawn did not reflect the payment and suntrust refuses to correct the situation. I am requesting that any monies be returned to me and my accounts corrected.

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 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I don't know what's going with Equifax but the more I pay off my debts the more my credit score drops. I have tried to contact Equifax but they just put you on hold or the person has no idea what's going on. My XXXX and XXXX credit score is just about the same but Equifax is way off the chart my score has not move in months how is that so. Equifax if you have an issue let the public know because it is preventing me from purchasing my first time home.

Company response to consumer: Closed with explanation