vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 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: TX

Complaint narrative:
I have been working on my credit since XX/XX/2021. I have not received not one update from either one of the credit bureau. My information is not reporting correctly and needs to be updated or I will have to file for litigation. I sent in letters that need to be updated or removed. Please update ASAP

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 2021-05-26 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: DE

Complaint narrative:
Account involved in Identity thief. Account isn't mines

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 2021-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
Westlake Financial repeatedly call me for a debt thats not mine. Its not even my name they keep asking for. Ive told them repeatedly the person their looking for isnt at this number. They keep calling and its getting late. They keep calling from 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 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase promises on-time closing or {$2500.00} back if they close late. https : //www.chase.com/personal/mortgage/closing-guarantee. We qualify for this refund because we are Chase customers and we closed late. Our closing date was XX/XX/XXXX and we didn't close until XX/XX/XXXX. Chase received our purchase contract on XX/XX/XXXX, which gave Chase 29 days to close. Chase did not reach out to us for documents until XX/XX/XXXX, and didn't even ask for all the documents on that day. Chase reached out to us again on XX/XX/XXXX to ask for the rest of the documents and then " started the clock '' on XX/XX/XXXX. We are not at fault here because we followed the closing timeline and submitted everything to Chase within 24 hours. Chase ignored our file for a week, and started the underwriting process late instead of starting it on XX/XX/XXXX when they should have. How is the Chase Closing Guarantee an " on-time guarantee '' if Chase can start the process at any time they choose? Does this mean Chase can start asking for documents 2 days before the closing date, close 5 days later, and then say it's not their fault because they closed in just 7 days? A late closing is a late closing. We closed late because Chase reached out to us late and did not get the ball rolling until a week after the purchase contract was submitted. If Chase can start the clock at any arbitrary time, then the Chase Closing Guarantee is a complete sham.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: UT

Complaint narrative:
I am in the process of purchasing a home, which required my credit to be pulled. This complaint is due to a collection from XXXX XXXX XXXX who has a collection filed against me with XXXX, TransUnion and XXXX, which dropped my score significantly. I received no phone calls or contact via US Mail to confirm this collection is mine or valid. Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notification regarding the debt. Had I been reached out to, it would have been advised this collection is a result of Identity Theft which a formal complaint has been filed with the FTC, acknowledged by authorities and submitted to the credit bureaus. 

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 2021-05-26 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: UT

Complaint narrative:
I am in the process of purchasing a home, which required my credit to be pulled. This complaint is due to a collection from XXXX XXXX XXXX who has a collection filed against me with Equifax, XXXX  and XXXX, which dropped my score significantly. I received no phone calls or contact via US Mail to confirm this collection is mine or valid. Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notification regarding the debt. Had I been reached out to, it would have been advised this collection is a result of Identity Theft which a formal complaint has been filed with the FTC, acknowledged by authorities and submitted to the credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT

Complaint narrative:
On XX/XX/XXXX, I applied for an HSBC Advance Checking account. 

The account was advertised on the HSBC website with a {$200.00} welcome offer after qualifying activities. I applied for the account by clicking the advertised link on the HSBC website. On XX/XX/XXXX I completed the qualifying activities, which consisted of a series of direct deposit/payroll transactions. 

The welcome offer contract ( attached below ) specifies that I would receive the bonus " approximately eight weeks after completing all qualifying activities. '' When the welcome offer was not received as expected, I contacted HSBC via BankMail, their direct messaging service. I contacted them on XX/XX/XXXX and received a reply 16 days later informing me that " we regret to informed you that as per the investigation Team confirmation, your account application doesn't link any cash offer. 
However, if you have any screenshot for proof of your application ID and supporting evidence, you may provide to us, so that we may forward to the campaign and Promotional Team further assistance. '' There is no means provided of sending screenshots or supporting evidence to HSBC.

Several follow up messages -- providing HSBC the requested application ID and requesting instructions on how to provide them with the requested supporting evidence -- went unresponded to. 

On XX/XX/XXXX I was finally told " We have received your BankMail inquiry with regards to the bonus offer not credited to the account. Upon review the investigation raised is rejected as there is no offer linked to this account, as per the terms for advance checking bonus offer {$200.00} mentioned below ... '' The bonus is now two months overdue. HSBC has failed to honor its obligation and also will not communicate with me in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
To : Chase Ultimate Rewards Phone # : XXXX Date : XX/XX/2021 Call start time : XXXX Call end time : XXXX Reason for call : Redeem XXXX XXXX credit issued from flight cancellation due to COVID with a balance of {$58.00} Representative Name : XXXX from XXXX Call Center Description : I was trying to book a last-minute flight using credits from a previously canceled flight due to COVID. At the beginning of the call, XXXX warned me that the process would take about an hour and I agreed. I was then placed on hold for the remainder of the call, where XXXX would jump back on the call every 2-3 minutes to check that I was still there. At the hour mark, there was little to no progress of booking the flight. 3 weeks prior, I booked an Alaska flight using credits also issued by Chase Ultimate Rewards, the entire phone call took around 45 minutes. 

Frustrated, I asked what was taking so long and felt as if I was being pulled around and abused. I first kindly asked for XXXX 's agent #, which he refused to give. 

On the official XXXX website, I found a flight that I wanted to purchase for a price of {$360.00}. Before going further with XXXX, I asked him if I could get the price of that same flight if I were to book it through Chase. He gave me an inappropriate total of {$1500.00}. 

Then, I requested to speak to the manager and explain my frustrations with XXXX and the company 's tactics, as if they are trying to prevent consumers from utilizing credit that was awarded by the airline company. 

I was then put on hold once again to be transferred to the manager. After 1 minute, the phone call was disconnected on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
TRANSFINANCIAL COMPANI ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) is claiming that I owe them {$400.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp.
State: CA

Complaint narrative:
On XX/XX/2021 at XXXX XXXX XXXX XXXX XXXX True Accord emailed from XXXX to my relative in attempts to collect a debt from over 10 years ago and disclosed my personal financial information. I sent them a cease and desist letter on XX/XX/2021 after my relative forwarded me the email which caused distress within my family. They sent another email on XX/XX/2021 at XXXX XXXX, again releasing personal financial information to my relative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
XXXX XXXX loan # XXXX with AmeriHome Mortgage my payment is due on the XXXX of XXXX, like every other month ive payed my payment by phone, this last month I was admitted into a detox and recovery facility out of XXXX Ca for a stay of 30-45 days. 
during this time I have made several attempts to make my payment through my Bof A edd account and for some reason or another even though the money is in my account once the payment leaves the bank with XXXX  XXXX XXXX which it shows my mortgage company amerihome returns my payment for one reason or another and at this current time has started to send my late noticed with a late fee added to my account as delinquent. as in good faith I've notified the mortgage company by letter head asking them and notifying them of my current situation if there is anything possible that can be done to reassure me of my hardship. 
i have every intention of paying my payment and carrying on my responsibility as a borrower and have every intention and well to do whatever it takes to get this right before it affects my credit as a borrower. 

thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have made two wire transfer on XX/XX/XXXX in the amount of {$25000.00} on XX/XX/XXXX in the amount of {$20000.00} Both from Chase bank XXXX XXXX XXXX ) to my Broker XXXX ( XXXX XXXX XXXX XXXX I got the first wire of {$25000.00} in my broker account on XX/XX/XXXX, only after that I made the 2nd wire of {$20000.00}. But that money never arrive in my broker account on XX/XX/XXXX or after even chase showed it as complete. 

I have called the chase on XX/XX/XXXX to recall the wire, the chase representative over the phone said she has helped me to recall the wire and the {$20000.00} should be in my account the same day. But it never came, and I have since call chase 3 times on XX/XX/XXXX, each time they claimed to help me, but every time the call ends up been disconnected after transfering. 

I have attached the photo of my wire records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America bounced and returned an attempted outbound domestic wire transfer from my personal account ( with another bank, XXXX XXXX XXXX XXXX XXXX -- and, incredibly, charged me a {$45.00} fee. Regardless the specific facts here ( that the information included with the transfer was more than sufficient for BoA to identify the intended account and successfully complete the transaction ) -- this fee was excessive, unfair ( the bank did not complete the attempted distraction ), was not disclosed, and was not pursuant to any agreement or contractual arrangement I had with the bank. Therefore, I request that it be credited back to me. Thank you!

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 2021-05-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have two credit card accounts that are wrongfully being reported as closed instead of open on my credit report. I have contacted the credit card company on three separate occasions where they explained the account was open and in good standings and they have correctly reported the items. I have submitted at least four disputes with Experian, the last XXXX XXXX, which all came back incorrect, credit card account still in closed status. During my last contact with the credit card company on XXXX XXXX, they explained they sent another update to the credit bureaus on XXXX XXXX. After my dispute on XXXX XXXX the results still came back incorrect, account still closed. I need this account corrected and to appear as open on my credit report. I need the comments that indicate the account as closed and with a credit counseling program remove because thats not the case.

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 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: Better Mortgage, Inc.
State: LA

Complaint narrative:
Better Mortgage completed my refinance on my home in XX/XX/XXXX. I received a phone call a month after closing from my loan expert XXXX XXXX XX/XX/XXXX on a recorded line asking if he could have permission to pull my credit report again. They pulled my report back in XXXX, XXXX when I applied. The voice recording will show that I didnt give him authorization to pull my credit report and on XX/XX/XXXX I was notified that my credit file was pulled by Better Mortgage. This was a violation of the fair credit reporting act. I notified the company and spoke with several people that said they were going to get the hard credit pull removed. This hasnt happened and XXXX  and XXXX  are still showing the hard pull on my credit files. I think that Better Mortgage is a very under handed company that pulls some shady deals and should be looked into for violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I sent Santander consumer USA a right to rescind affidavit pursuant to 15 USC 1635 on XXXX rescinding the consumer credit transaction between the legal fiction and their company. The rescind was within the proper timeframe that federal law provides, which explains I can rescind any transaction before the third business day at midnight as long as I had intentions to do so. My intent to rescind before the third business day of the transaction was certified on the XXXX of XXXX which was the third business day of the transaction, see Cfpb receipts # XXXX. The company did respond to my affidavit but never rebutted the affidavit point for point under the penalty of perjury pursuant to 12 CFR 1102.33 ... according to 15 USC 1635 ( b ) ... 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. 

Next Santander sends me a bill with many fdcpa violations. First the contract was rescinded within the proper time. So any bills are fictitious instruments to collect on a rescinded transaction. Again a affidavit was sent addressing the fdcpa violations which under federal law a affidavit has to be rebutted point by point pursuant to. Again Santander failed to rebutt my affidavit point by point within the allotted 30 days. Notice of defaults with opportunity to cure were sent for both affidavits that they never rebutted. 
Santander has completely ignored both my affidavits, and proceeded to send me a notice threatening me with repossession and further damaging my consumer credit report. I sent Santander an estoppel by acquiescence regarding the account # XXXX For failure to properly respond/ failure to rebut either of the affidavits Point for point within 30 days. 
Ive seeked a declaratory judgement through notary public. If this account isnt handled properly I will take the matter to federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
7 minutes agoNEW I had went and took a loan out with this branch for how ever much they were able to give me they did good of giving me the amount I needed without a doubt but subsequently they charged me a interest rate of like 13 or 14 which a honorable percentage rate is like 8. Do after that fact of going though this process I had put my car up for collateral, they took it upon themselves to take half of the loan an pay the car off when they could have just given me the money to pay the car off myself cause I was trying to get something else financed at the time. After the fact they kept claiming to send my bank a payoff check for the car I was already financing an kept claiming they sent it which they never did. I kept persisting and kept in contact with my bank personally to see when an if they'd received it and they never did. I waited for at least a few weeks thinking and giving ONE MAIN a chance Issue another check they claimed maybe had gotten lost in the mail or to do the right thing and they just keep telling me XXXX over the phone. I literally had to process a XXXX  charge on my checking account to finalize the whole loan payment before they even sent a actual check out which was like a Couple of days later or I was gon na be two months behind on my car payment which in turn would get my car taken away from me so that ONE MAIN could turn around and have the car for themselves

Company response to consumer: Closed with explanation