vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2022, I was declined for a loan due to inaccurate information in my TransUnion credit bureau. In addition to reporting my FICO score as XXXX, the reasons for decline indicate no revolving accounts, not enough balance decreases on non-mortgage accounts, too few payments over 3 months, and no real estate-secured loans. This follows my prior complaint to XXXX where inexplicably my credit bureau information with them was basically erased, and my XXXX score declined from XXXX, in about XX/XX/2022. I have credit card trades spanning 25+ years, mortgages, clean payment history on all, etc., and this compares with XXXX showing my score at XXXX. 

I have complained to XXXX about this inaccurate information before, several times, without ANYTHING approaching an investigation or reasonable explanation. XXXX has apparently refused to investigate the INVALID source of information which caused my bureau to change so dramatically, nor process by which the change occurred, such that I can not dispute that effectively. All I have received from XXXX is a form letter providing me the ability to request bureau information if I provide documentation of identity. This is clearly not the nature of my dispute and evidences XXXX XXXX  complete lack of willingness to read and understand the nature of my dispute. 

XXXX XXXX action has now caused me financial harm and I am considering additional remediative measures.

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 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/13 I received an email that a checking account was opened in my name with capital one banking. I then received emails that my email and phone had been updated. I have restricted the account but need it closed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
The mortgage company delivered false and inaccurate information regarding the status of the mortgage related to foreclosure. Lender denied multiple formal requests to apply for FHA mandated Partial Claim to allow for delinquent amount without any review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I over-paid because of BOA Maintenace on their credit card system. I over- paid {$1100.00} approx. I did speak to their customer service more than once. I spoke with XXXX on XX/XX/2020 and he saw all the trouble I have incurred because of BOA and additional late fee 's from XXXX XXXX who makes my payments to my BOA credit card since I'm on auto pay 100 % each month. XXXX told me everything would be cleared up correctly and the over pay would be refunded to my BOA checking account. To date, BOA has cost me service fee 's, late fee 's and now a lot of my time as a consumer. BOA deceptive tacking on keeping my money is harassing and making me loose interest on the funds and acceptability to access my money. credit card ending in XXXX, last 4 digits of SS is 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 monetary relief
Consumer complaint received 2022-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I called capital one financing to get information I did not provide any information but I do have an account with them with prior cards and then noticed it on my credit report as a subject or a hard check which I did not authorize I did not provide any information nor gave them permission to do so I only called in for information general information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ref This account is under my name XXXX XXXX, address XXXX XXXX XXXX, XXXX FL XXXX Phone XXXX XXXX I'm writing in regards to my credit card. I've been trying to work with the credit card company to get my matter resolved. For the past few months I suffered from XXXX. Been in the XXXX more than once. Have what you call XXXX XXXX However, when you call them there's a long wait, then it's like playing phone tag with them. Then when you finally reach a representative, explain the situation they do not want to help. To be told they do not have any type of programs for anybody who's been affected directly or indirectly by XXXX. I was affected directly. I've been faced with financial hardship. 

With that being said, I lost time from work. Was in the XXXX XXXX XXXX XXXX 


It seems like the credit card company, fail to assist any person who suffered directly from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: CO

Complaint narrative:
In 2019 I open a car loan with flagship. The care was surrendered to them. This company sold the car for $ XXXX. The loan amount was for $ XXXX. They incorrectly report this account on transunion it says I owe $ XXXX and the loan is closed. On the other two it says open and the balance is $ XXXX. They refuse to update anything regarding this account. I then received a letter in the mail from a collection company stating the balance was $ XXXX. This is a clear violation of my 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 2022-04-13 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: CITIBANK, N.A.
State: CT

Complaint narrative:
To be clear I have no issues with my credit card companies services in any way shape or form. Sadly I can not simply go through the major credit bureaus to remove a hard inquiry any more I must come here. I have a Citi XXXX XXXX  XXXX  in which I am quite pleased with. Unfortunately, there is a double entry hard inquiry for my card on my credit reports with the major bureaus. It is for the same exact date and card. I just want one of the inquiries removed as it is a duplicate, and hard inquiries affect my credit score for 2 years. I wish I did not have to come here to do this as I stated I am quite satisfied with the services I receive.

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 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
In the year of 2019. I am unsure of a medical procedure taken place. If it is true. I have been furnished with medical insurance all my life. I have submitted proof of this insurance in a dispute that has been underfor over the past few weeks. Nothing has been done about it in the decision. I am only aware of what they have on my credit report. The amount is XXXX from a medical group. When I called that is when I became aware of it being a medical bill.. They noted the account to settle for XXXX but I informed them I have had insurance all my life.. However, when submitting the proper documentation such as NJ XXXX XXXX XXXX # and the XXXX XXXX NJ XXXX through a dispute with XXXX. My information couldn't have been ran through the system appropriate because the completes investigation says " We confirmed with the creditor that the amount is accurate. That is not the appropriate argument.. The argument is I have had medical insurance ALL my life this shouldn't be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
UNAUTHORIZED / FRAUDULENT XXXX TRANSACTIONS THROUGH MY CAPITAL ONE CHECKING ACCOUNT. CAPITAL ONE BANK DECLINED MY 2 CLAIMS TO REIMBURSE ME SENDING ME TO XXXX TO RESOLVE. WHEN I CALL XXXX, THEY SEND ME TO THE BANK AND TELL ME THEY HAVE NOTHING TO DO WITH THESE UNAUTHORIZED TRANSACTIONS. SAME IN CASE OF XXXX XXXX CLASS ACTION RECENT SETTLEMENT, XXXX ACCOUNTABILITY FROM THE BANKS AND CONSUMERS ARE DEFRAUDED / SCAMMED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account is open fraudulently I dispute in XX/XX/XXXX and I don't get any answer from the bureaus. The account is impacting my credit score badly.

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 2022-04-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2020 at XXXX XXXX I went to a XXXX XXXX ATM in XXXX in XXXX Texas with my US Bank ReliaCard to withdraw {$80.00} The first transaction was timed out so it was declined The second transaction said non sufficient funds. When the ATM timed out the money was released out of my account but it did not come out to ATM machine I never got it It timed out and it declined. I called XXXX XXXX they told me to contact my financial institution I saw I called US Bank ReliaCard I was told that they were doing investigation that could take from 10 to 45 days and after 10 days if they haven't investigated it I will receive my money back neither to place. I was told per their investigation that there was no problems with my transaction and which it was a problem on my behalf because I never received my {$80.00} which ruined me and my son 's vacation because we couldn't buy food.

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 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: DC

Complaint narrative:
There were two separate accounts open under my name. I disputed the accounts with the original company who issued the credit. I was told that the information was going to be investigated. In my report only one account was closed but one still remains. XXXX refused to accept my dispute. I was not given the reason why they believe is mine when I told them I spoke to the company about this issue and they have agree to remove the ousting debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ZWICKER & ASSOCIATES
State: OH

Complaint narrative:
At One Time I had two XXXX XXXX, one for my personal use and one for Business, we had a dispute on the Business Card and XXXX denied a charge from a Vendor that we later had to pay a 30 percent collection fee to Legal Counsel to recover the fund that XXXX Should have reversed, they then shut the card off along with my personal card. I paid the business card off and paid monthly for the past couple of years on the Personal Account, they keep calling me when after 3 written notifications to stop calling they did in clear violation of the law. I also attempted multiple times just to set up ACH with the Company but they keep refusing to do so, I pay off of paper invoices, so when a statement comes in, it is given to my accounting folks to pay online, since again we could not set up ACH, I just got XXXX 's statement in the mail, when I was alerted by XXXX on I logged into XXXX portal and made the XXXX and XXXX payment online which would bring the balance to {$2400.00} which I then was told when I called into XXXX the account had been assigned to Zwicker and Associates, I asked the man at XXXX that they need to remove the late since they failed to give me the ability to ACH payments and I had not gotten a statement he agreed to it on a recorded line as of today it's still showing and has lowered my credit score by XXXX points and two of my credit cards have now reduced my amounts of boring causing even more hardship in the matter. I then called the Zwicker firm, which they told me they could not discuss it, I then got a letter from them stating that they were trying to collect {$2600.00} and again the wrong amount, I will be disputing this with them today and advising them CFPB is involved in the matter and that the matter is in FULL dispute. I also have now been getting calls from other law firms it seems that XXXX and this Zwicker firm has a track record of not being ethical and following the law which is very apparent in this matter. 
Also it was brought to my attention that I have been paying fees for " purchases '' even thought the card was shut down and " no purchases '' could be made, I have learned a lot of the tatic 's from the Lawyers that keep calling, to represent me in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have submitted a dispute letter three times for the past four months and have not received any update or progress on the status of my dispute.

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 2022-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Nationwide Mortgage Bankers, Inc.
State: NY

Complaint narrative:
My monthly mortgage payment is {$1700.00}. XXXX , XXXX, as sub-servicer for Nationwide Mortgage Bankers , Inc., received a partial payment on XX/XX/2022 in the amount of {$820.00} and properly credited this to the Suspense Account, as partial payments are not allowed under the terms of this loan 's servicing. The following day ( XX/XX/2022 ), however, the servicer unilaterally and without notice applied this payment as a principal-only payment instead, without my advice or permission. Upon contacting the servicer, they indicated that partial payment money can not be held in the suspense account and incorrectly claimed that servicers have the right and obligation to apply suspense however they see fit at any time. This interpretation contradicts the express meaning, purpose, and operation of the suspense account as described in Regulation Z at 12 CFR 1026.36 ( c ) ( 1 ). Mortgage servicer has subsequently agreed, at my request, to reverse their " principal curtailment '' action and merge the {$820.00} partial payment instead with the other {$910.00} in partial payments subsequently received on XX/XX/2022 into the suspense account, and then appropriately apply the combined amount of {$1700.00} towards my XX/XX/XXXX payment, albeit posted on XX/XX/XXXX despite the fact that the remainder of the payment was actually received on XX/XX/XXXX. No late fee was charged in this case since I brought the issue to their attention during the 15 day grace period.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The account is open fraudulently I dispute in XX/XX/XXXX and I don't get any answer from the bureaus. The account is impacting my credit score badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account is open fraudulently I dispute in XX/XX/XXXX and I don't get any answer from the bureaus. The account is impacting my credit score badly.

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 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Marvel & Maloney, P.C.
State: NJ

Complaint narrative:
The law office of Marvel and Maloney has repeatedly tried to collect a debt from me that I believe is incorrect. They have refused to give me coherent information regarding the debts and have now refused to communicate with me further

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: DE

Complaint narrative:
Roundpoint Mortgage Servicer refuses to remove PMI from my account. LTV reached 78 % as of XX/XX/2022, no late payments on my side. According to my mortgage contract terms, PMI is due to be automatically removed once LTV reached 78 %. 

I attempted to resolve the situation with Round Point, and they insist that I pay appraisal fee and request removal which violates my contract and contradicts Homeowner Protection Act.

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 2022-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Greetings, My name is XXXX XXXX XXXX I change my name when I become a citizen of the U.S.A I have the same social but It have nothing on me " XXXXXXXX XXXX XXXXXXXX '' Im not sure why, please help thank you. 

My address is XXXX XXXX XXXX XXXX florida 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 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Recovery Solutions Group, LLC
State: UT

Complaint narrative:
Outbound call to XXXX XXXX with XXXX, XXXX on XX/XX/2022 about debt collection for XXXX. Accused us of insurance fraud and threatened to have XXXX 'look into ' us if payment was not made within 24 hours. Never recieved written notice of the debt or information to dispute debt, name of creditor or contact information for the creditor, when we told XXXX XXXX this, he said XXXXCOVID slowed down the mail and some people aren't even getting them '. I also told him I was at work and needed to get off the phone, and he kept insisting payment was needed to keep us from being investigated.

Company response to consumer: Closed with explanation