vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I have made three requests for Lexington Law to provide copies of the dispute letters sent on my behalf. The first attempt was made on XX/XX/XXXX. I contacted them so I could see proof of work. They provided me a copy of most of the letters they stated they sent except for the one for XXXX XXXX XXXX. I contacted them on XX/XX/XXXX to notify them that the letters they sent on my behalf for XXXX XXXX XXXX were absent along with XXXX others but the one I most wanted XXXX is the one I needed a copy of. The consumer service agent stated she would send it and that I would have it within 48 hours as it must have been an oversight. Well on XX/XX/XXXX I still hadn't gotten the letters so I called them again as they failed to reply to emails that were sent on XX/XX/XXXX and XXXX. The customer service rep promised I would have those letters by XX/XX/XXXX as she saw where my request had been moved to the escalation department. On XX/XX/XXXX I followed up as I still hadn't gotten copies of the letters sent to XXXX. I spoke to numerous call center personnel from XXXX XXXX to XXXX each transferring me to Lexington Law 's escalation department and each time the agent in their escalation department would hang up during mid-conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 90 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2021-09-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE CORRECTED OR UPDATED FROM MY CREDIT REPORT : XXXX  XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Loan was paid off on XX/XX/2021. Overpayment check of {$35.00} was issued XX/XX/2021. I called to advise creditor that check was accidentally destroyed by my toddler. I was advised to call again after XX/XX/2021, which will be when they will be able to re-issue and do that process on their end, which involves checking to make sure check wasn't cleared ( it wasn't ) and etc. I called XX/XX/2021 or XX/XX/2021 and was advised they would start the process to have the overpayment reissued. I called again today, XX/XX/2021, and their staff seem clueless. Each time it takes me being transferred multiple times before someone competent gets on the line who actually understands their job and what to do. On XX/XX/2021 I was advised that it was not reissued, contrary to what I was told over a month ago.

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 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
We are requesting your assistance with PNC Bank located at XXXX XXXX XXXX  XXXX, OH XXXX. PNC Bank has violated the terms of our mortgage agreements, and we believe, are also in violation of the Truth in Lending Act of 1968. 

We are requesting your help in resolving the issue outlined below as soon as possible, and reprimanding PNC Bank for their callous handling of this matter. Our hope is they will not continue to treat other less resilient consumers this way. 

We are a retired couple with excellent credit who decided to refinance our primary resident in XXXX of XXXX to take advantage of the low interest rates available. We did not agree to an escrow account. And, we had not had one for decades because of our excellent credit and prompt payment of all our bills. It was also part of our selection criteria for the mortgage company we chose for this refinance. 

However, our mortgage was sold to PNC Bank, who apparently believe they are excused from following legal documents. And, feel they can use heavy handed methods and discourtesy to consumers to ignore their obligations. 

Here is an outline of events with reference to supporting documents : 1. On XX/XX/XXXX we refinanced our primary residence with XXXX XXXX XXXX, XXXX ( See Attachment 1 : HUD1 Closing Disclosure ). Included in the closing documents is an Escrow Waiver with XXXX XXXX XXXX, XXXX as a condition of our refinanced mortgage with them ( See Attachment 2 : Escrow Waiver ). 
2. PNC Bank purchased the subject mortgage from XXXX XXXX XXXX, XXXX and unilaterally added escrow payments to our mortgage bill in violation of the terms and conditions of our mortgage agreements. Our PNC Bank Account Number is available on request. 
3. My wife XXXX XXXX has made several contacts with PNC Bank to have the monthly escrow charge removed but without any success. She explained the apparent error to PNC Bank, and complied diligently to their requests for supporting documents to resolve the issue. On XX/XX/XXXX she submitted the documents requested by PNC Bank ( See Attachment : 3 Escrow Removal Request and Attachment 4 Escrow Letter ). 
4. We received a letter from PNC Bank Escrow Analysis Department dated XX/XX/XXXX ( See Attachment 5 PNC Bank Letter ) stating they would not : approve your request due to the following reasons. However, the reasons are not stated in the letter. 

We are demanding PNC Bank to stop this fraudulent behavior, stop collecting escrow payments from us immediately, and refund to us any escrow balance. We are further asking PNC Bank to comply with the terms of the mortgage agreements and stop making unilateral decisions to the detriment of the general public. 

We are available to provide any further documentation you may need and to answer any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is my second claim against this company I was lied to after I distinguishly pointed out the errors in the caculations of the square footage of my home along with the incomparable comps submitted I have not recieved any fairness that I deserve as a customer. The facts are proven in the appraisal report it was bias. Along with the rude treatment from wells fargo employee and the desrepectful accusation comments made in the comments in the apprasers report stating that I did not need a loan. There is a loop hole in this system and the money that I gave to Wells Fargo totalling XXXX should be refunded back into my account. Due to fraud lies and misuse of a work trusted into the hands of a representative who does not evidently believe that numbers are the true facts of survival or Wells Fargo representation and reputation has been truly compromissed and they don't care.

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 2021-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX on my life.

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 2021-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I learned that I was a victim of identity fraud after viewing my credit report on XXXX. I noticed I had an account in collections in the total dollar amount {$700.00} from CONVERGENT OUTSOURCING but the original creditor was XXXX XXXX XXXX. However, I have never had an account or contract with XXXX XXXX XXXX. So I went to the XXXX XXXX Police Department and filed a police report informing them that I had been a victim of identity fraud. Therefore, I am asking that this company remove this inaccurate information off of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached a highlighted picture of the account with the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT

Complaint narrative:
We receive foreclosure documents from SPS and their attorney XXXX XXXX XXXX again on XX/XX/2021. This happened 16 months ago. We sent them a letter and documentation stating that they did not have the rights to the property could not to foreclosure on it. We also stated that the loan was satisfied. Now again they have a sell-for date for XX/XX/2021. This came completely out of the blue and with no communication ( other than that letter ) for 16 months. We believe this foreclosure is illegal for two reasons. 
This long loan was satisfied years ago. We continue to pay on the loan even after it was satisfying because we were not informed that it was. Would like to know where those payments went. 
We also believe that they don't have the legal right to foreclose the loan because of improper paperwork. They discount these facts as a red herring or us trying to just cause problems with the loan but we believe rule of law is important and proper documentation is crucial and these matters. We believe that because they are not the proper servicing agent is the reason it has been so hard to get verification and documentation. When we do receive documentation sometimes it's different from what they sent the time before and sometimes it's different from what was recorded with the county. 
We feel that there have been strange things going with This file. Every time we ask for clarification we have been sent to or contacted by departments that the regular departments could not identify. To use an old adage we feel we are being railroaded mainly by XXXX as the server of the loan. 
We are afraid of losing our home and all the equity in it. We believe that the loan was satisfied essentially twice. 
We demand that this foreclosure be stoped and this loan reconveyed now. 

XXXX and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank made some deposits totaling about {$300.00} into my account. These were done by mistake. So they alerted me about 2 weeks later that {$500.00} some odd dollars would be withdrawn from my account, which it was. I understand the {$300.00} going back to them but the {$200.00} that they took is MY money. Ive been fighting this for 3 weeks now. Ive made numerous phone calls, spoken with at least 6 people, have been hung up on 3 times. My car insurance will be cancelled tomorrow because Chase wont send my {$200.00} back. Please help. I dont know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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.
State: TX

Complaint narrative:
FCRA Violation; Not mine; Names, address, and accounts:


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX


Account name
XXXX XXXX XXXX
Account number
XXXX
Account type
Debt Buyer
Responsibility
Individual
Date opened
XXXX

Account name
XXXX XXXX
Account number
XXXX
Account type
Unsecured
Responsibility
Individual
Date opened
XXXX

Account name
XXXX
Account number
XXXX
Account type
Charge Card
Responsibility
Individual
Date opened
XXXX



FCRA Violations; Never late:

Account name
XXXX XXXX
Account number XXXX
Account type
Auto Loan
Responsibility
Individual
Date opened XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: OH

Complaint narrative:
It been over 30 days no response for Experian, XXXX and XXXX on fraud account report.

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 2021-09-07 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: IN

Complaint narrative:
I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 90 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion was sent clear documentation that an alleged creditor is not reporting factual or accurate information. The documentation of such included a letter returned undeliverable by the USPS which was sent to the creditor 's address on the credit report. 

Transunion refuses to and has failed to provide any documentation of the debt. Transunion has failed to validate the debt in any way shape or form. 

Transunion claims that they " electronically '' verified the debt. They claim that they only verified the name address and social security number but NO verification of the debt itself, the nature of the debt, the validity of the debt, etc. They outright refuse to take any further action to actually verify the validity of the debt itself. 

Letters to the creditor are returned to sender, and they are unable to be reached ( Proof attached from USPS ). This is clearly not a valid debt and TransUnion refuses to remove it as required under the FCRA and various other laws. 

XX/XX/XXXX : Spoke to XXXX XXXX from Transunion, who identified herself as a supervisor, and refused to transfer me to her supervisor confirmed that TransUnion will not and would not be complying with Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). 

TransUnion is in clear violation of the FCRA Section, Section 609 ( a ) ( 1 ) ( A ) and various other FCRA, Federal & State Laws. 

Numerous letters were sent to Transunion with no response at all. Most recently the attached letter was re-sent again by certified mail and they closed the dispute after taking none of the required legal actions. 

TransUnion Dispute Dates : XX/XX/XXXX - Ignored XXXX - Ignored XX/XX/XXXX - Dispute Closed with no changes, no validation completed by TransUnion as requested and required by law XXXX XXXX Dispute Dates : XXXX - Ignored XXXX  - Ignored XXXX  - Ignored ( Letter received back " Return to Sender '' Attempted- Not Known - Unable to Forward ) XX/XX/XXXX - Ignored Transunion is the ONLY credit reporting agency that is reporting this false debt.

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 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting unverified inaccurate bankruptcy on my credit report claiming the information was verified by data furnisher XXXX. So I went to XXXX directly to verify and as a result of there investigation, they are not showing any bankruptcy on there files. I sent the results of the investigation to Equifax numerous times to show there is no bankruptcy in my file with the data furnisher XXXX. Equifax responded on XX/XX/21 confirmation XXXX, XXXX confirmation # XXXX, and XX/XX/21 with confirmation # XXXX still referencing the bankruptcy. How can Equifax verify information that does not exist in there files as of XX/XX/21, letters enclosed? Equifax seems to not be verifying the letters sent or totally ignoring my request to delete the unverified bankruptcy from my report by just sending computer generated responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of 2020, JPMCB credit card account was closed, and with 12 month or 24 month time period of payment plan to be automatically withdrawn from my checking account, however this process was not complete due to their mistake and I was reported for no payment/latepayment for 5 month period of time without notification. Notification was sent by JPMCB, but to an old email account and with out an alerting me as an emergency that I needed to take action. 
I have been trying, going back and forth with credit report agency ( XXXX, XXXX, XXXX ) and JPMCB, trying to take the late payments out of the report with unsuccess. I do feel it is not fair in terms of this reporting because of their mistake in their part of not completing their work correctly and not notifying me with an urgency. As of now account is in very good condition but this was after I found out there was issues. Please help me solve this problem in my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have used the American Express XXXX XXXX Back card for about 10 years. Over that time, I built up substantial rewards, about {$1200.00}. 

Over the course of the last 3 months, I have tried mightily to redeem this amount. I have spoken with customer service 8 times over the last 3 months, with each call lasting over half an hour. 

Every time we speak, they say they will issue the credit without any problem. And every time they do not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
i recently sent a letter to the Portfolio Recovery associates llc and in That letter also clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since THEY HAVE continued to call and harras me after receiving that letter that clearly stated for them to provide relationship documents between origional creditor because i did not receive my formal notice of the debt being sold to a third party that fcra clearly states they must do and follow. they are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you

Company response to consumer: Closed with non-monetary relief