vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-14 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: NJ

Complaint narrative:
I contacted Transunion on XX/XX/XXXX disputing inaccuracies on my report. I am a victim of identity theft. 
XXXX XXXX XXXX  {$710.00} *XXXX  XXXX XXXX {$6600.00} To date XX/XX/XXXX, Transunion failed to investigate my dispute further harming my credit accuracy. Failure to report accurate information you are in violation of FCRA 15 USC 1681 ( A ) ( 2 ). I placed a complaint with CFPD on XX/XX/XXXX ( Complaint # XXXX XXXX. Transunion 's response on XX/XX/XXXX was : " Consumer relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps ... Within 30 days, we will close out your dispute and advise you of the results in writing ''. 

It is XX/XX/XXXX and I have not received any investigation results. PLEASE REMOVE THIS INCORRECT INFORMATION FROM MY REPORTS IMMEDIATELY. YOU ARE IN DIRECT VIOLATION OF FCRA 15 USC 1681 ( a ) ( 1-4 ) ( b ).

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. YOU ARE NOT REPORTING ACCURATE INFORMATION, AND YOUR FAILURE TO COMPLY WITH ACCURATE CREDIT REPOTING IS UNFAIR. THIS IS HARMING MY REPUTATION AS THIS INFPRMATION IS INACCURATE AND DOES NOT REPRESENT THE ACCURACY OF MY CREDIT WORTHINESS.

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 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I previously sent three update letters to all three credit bureaus, which are TransUnion XXXX  and XXXX. I've sent them many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.

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 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I previously sent three  update letters to all three credit bureaus, which are XXXX  XXXX  and Equifax. I've sent them many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In 2020, XXXX, I called CHASE to canceled my premiem accout service. This service asked me keep high balance in saving and checking account, if banlance coul n't reach bank 's amount, i will be charge {$25.00} per month from my checking account. I told customer service canceled it, and down grade balance to the minium level. But the crm just CHANGE the service, and charge fee is moved form checking account to saving account. It charge me {$200.00}, until the month i found my saving account was charged. 
I called CHASE CRM, asked refund and let them know they make mistake. But they made their FAULT AS A BUSINESS, they agreed to return my 4 months charge, others I had to wait theri responce. They said {$100.00} will return to my account, but it didn't.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In 2016, I was banking with Bank of America and received a check and attempted to deposit it after doing work for a private business owner. After depositing the check, my account was frozen and I went into the bank the next morning to see what the issue was. As a young college  student that was only trying to deposit a check, I was terrified when the bank told me they would call the police to have me arrested. I was given a bad check and was placed with in the EWS and Bank of America did not lose any money because no money was withdrawn. They kept my savings and would not let me with draw it because they closed my account. They will not answer any of my questions or get into contact with me at this time.

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 2021-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Credit report showed {$180.00} from Synerprise and I didnt receive any notification about this debt or 30 days to report. The debt has been paid as its medical once I saw it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I started a contract with Sears Whole Home Warranty in XXXX. I generally paid my monthly home warranty premium $ XXXXmth prior to due date, but in XX/XX/XXXX the premium was double charged in the amount of {$69.00} [ twice ] paid on XX/XX/XXXX and not reflecting on XXXX XXXX XXXX  and paid again on XXXX reflects on XXXX XXXX XXXX  and indicated as not paid on ShopYourWay MC and my water heater also broke down and I have a XXXX and needed the repair done quickly. The {$100.00} deductible was paid on XXXX and reflected on XXXX XXXX XXXX [ partner to Sears Whole Home Warranty ] but it was not reflecting on Citi-ShopYourWay MC ; I was being charged again double for a service I had already paid for ; I paid the {$100.00} deductible again on XXXX { I called, I emailed, I mailed proof of my bank 's proof of payment along with XXXX XXXX XXXX Account portal of my payment history and crossmatched it with Citi ShopYourWay MC payments, with miscellaneous documentation of the emails and calls } all to no avail. The pattern of several calls and emails and a couple of letters continued through XX/XX/XXXX and on XXXX I spoke with a Rep XXXX XXXX # XXXX and was told not to pay the premium due XXXX for {$69.00} due to a dispute being opened and it takes 45-90 days for a decision. Since that call on XXXX, I started getting PAST DUE CALLS and being penalized with late fees/and mounting charges. As a result on XXXX, spoke with XXXX - ID # XXXX and the account was closed. no conf # given I requested in all of the above correspondence for the duplicate premiums paid out along with the late charges and fees attached and most recently the XX/XX/XXXX premium and the XX/XX/XXXX which seemed to be as a result I most recently paid {$210.00} [ XX/XX/XXXX {$180.00} + {$28.00} XX/XX/XXXX ] The most frustrating thing was the two companies Citi SYW MC and XXXX XXXX XXXX pointing the finger at each other in blame with no one giving a solution. After my own research I resolved, several consumers had similar complaints with Citi-Shop Your Way MC and their payments not being processed properly. In total my resolve should be {$270.00} XXXX {$69.00} XX/XX/XXXX premium + {$100.00} XX/XX/XXXX deductible + {$39.00} late fee in XX/XX/XXXX + {$69.00} XX/XX/XXXX charges received well into XX/XX/XXXX after the account should have been closed ] The representatives there on either side are no help what so ever and this whole thing has been a nightmare!

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 2021-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: VA

Complaint narrative:
I XXXX XXXX am a Consumer of the U.S. and anything Purchased with my credit card remains the obligation of the U.S. Pursuant to 15 USC 1601. I never gave consent to Penn Credit Corporation ( third party debt collector ) to obtain any of my information. This is a violation of my privacy and you are in violation. I never signed a contract with Penn Credit Corporation. Pursuant to 15 usc 1692b, a debt collector can not state that this is an attempt to collect a debt. You have again violated my consumer rights as protected by FDCPA. You have mailed my home at an inconvenient time Pursuant to 15 USC 1692c. You will be held criminally liable Pursuant to 15 usc 1640 and civilly liable for all violations Pursuant to 15 usc 1692k.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: Receivables Management Partners, LLC
State: FL

Complaint narrative:
I disputed a debt reported to XXXX as it is a medical debt reported as collections. It impacted my score by more than 70 points because it is not reported as the correct type of debt. The negative impact of the score has also impacted my ability to obtain a mortgage. I submitted a dispute and it was not removed or updated to the proper collection type. Additionally, I have submitted documentation for financial assistance to the facility this debt applies and I am awaiting approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RANLife, Inc.
State: CA

Complaint narrative:
Ranlife is reporting lates to you on mortgage account XXXX, there are no lates on this account. Ranlife changed the servicer from XXXX XXXX to to ranlife in XX/XX/2020 and closed the XXXX account, See the following documents : Record of my payments to this account vs Ranlifes record.copies of my bank account showing payments in XXXX and XXXX12months, XXXXthrough XX/XX/2020 of my bank account records showing on time payments.A dispute I made with the CFPB about this inaccurate record XXXX ... XXXX Ranlife did not reply. Ranlife actually changed the loan servicing from XXXX XXXX in XXXX XXXXI am disputing Ranlifes record made to XXXX, XXXX  and XXXX as it is inaccurateand damaging. I have contacted Ranlife about this but they have not taken any action.Additionally an additional payments was made in XX/XX/2020 and ranlife collected additional fees that I want restitutionfor. 
Thank You, XXXX ( please reply via email ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
They're saying I owe XXXX when I don't. I fulfilled my contract and never renewed. Called and cancelled three weeks early. No one said a word about me owing anything. Credence started calling and I told them I fulfilled my contract. Also told them they can not produce any contract I have signed digitally or otherwise. He said they would put it's under dispute. Month later calls me back and same thing. Said he'd put under dispute again. Another month they start calling again.Never produced a contract or copy. Stopped answering after looking up credence and seeing their several complaints. Now they put an illegitimate debt on my credit report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
on XX/XX/2021, I attempted to get my free credit report from Equifax using XXXX. As soon as I'm redirected to XXXX, I get a browser error ( ERR_CONNECTION_RESET ). I tried with a different browser and it didn't work there either. ( XXXX and XXXX ) In general, even when the Equifax website does work, I get an error after doing the identity verification, where it says the Online Delivery is unavailable. I then have to request the report via phone, which is an annoying process. 

Also, oftentimes, when I select multiple agencies on XXXX, the session times out before I can get all my reports. This requires starting over and filling out the form again, which is very annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: STERLING JEWELERS, INC.
State: WI

Complaint narrative:
- XX/XX/2019 - inquiry - an inquiry was made on my credit report, i have no knowledge of this inquiry, please delete it off my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
COMPLAINT ID XXXX-XXXX  SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Trouble during payment process My issue ( s ) continue : The mortgage company PHH is not currently working to resolve my previously reported issue ; nothing is currently being done to correct the now issue, as they incorrectly resolved the previous one.

I followed-up with PHH 's Escalations Department ( on XX/XX/XXXX ) and was told that my account had been brought to current, and all I now had to do was pay my mortgage amount for the month of XX/XX/2021 ( PROBLEM is, that I've already paid the mortgage for the month of XXXX ( in- full ) on XX/XX/XXXX - which should make my next payment due in XX/XX/2021. 

Now, rather than being behind the one payment they misapplied and was supposedly working to correct - they've now indicated to me that I owe for the entire month of XXXX ( indicating that I'm now a full payment behind ). It's obvious that PHH is not structured correctly to handle Flex payments - even though the offer it. I reached out to them, and they've now cancelled Flex-payment, the last being XX/XX/XXXX ). ON XX/XX/XXXX, I paid my full mortgage amount for XXXX - the next should be due in XXXX. 

I have paid all mortgage payments obligated, and my PHH Dashboard Payment history reflects this fact - but, PHH 's " Payment due '' is always incorrect. It now stated that I am 14 days past due.

While this issue drags out ( now over 2 months ) it has and continues to negatively effect my credit history and is causing considerable stress to myself and family, during these trying world times. The company is negligent ; is seems if anyone form PHH was actively concerned with resolving this issue, it would not take so long to resolve such an obvious issue. The Payment history which is available on their PHH sites holds the obvious answer to a simple resolution - apply the payments correctly. 
I subscribe to a credit reporting and monitoring service. I received notice this month that my credit score had dropped 43 point. I inquired and was told that it was due to " late payments '' reported by my mortgage company. I went from the 800s to 700s. Is their a plan for them to resolve this developing issue? - they don't seem very concerned as I've still received calls from PHH 's Collect Department, and it obvious they've falsely reported to
the Credit Bureaus ( while they're supposedly working to resolve the issue ). It's so blatant that is seems deliberate.

PHH now reflects I'm 14 days late for XX/XX/XXXX ( which I paid in-full on XX/XX/XXXX ). While they supposedly work and continue to draw-out the resolution of an issue of they're own doing - I continue to be affected by the incompetence and negligence in resolving this issue. 

Note : Although, I wrote to CFPB on XX/XX/XXXX, the issue with PHH was reported and supposedly being worked well over 60+ days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I sent 2 letters requesting to Santander USA to send requet letters to XXXX the credit Bureau and Santander never respond to me then I sent a Dispute letrer direct to XXXX and they did respond with a non compliant answer and XXXX did not remove that alleged inaccurate misleading unverifiable account because is a Santader usa Multi State sub Prime auto Lending and as your office Know Class Action law Suit was perform by 33 attonerys States and. I am been affecting because only XXXX still reporting such Alleged it Account in my credit Reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was sent a Arizona PUA Bank of America Card in the middle of XX/XX/XXXX, the card was never received. I called inquiring why I havent received my card in the beginning of XX/XX/XXXX and found out the card sent was stolen and the funds have been fraudulently used. Upon calling Bank Of America they said the card was just left on my porch when delivered through XXXX. I had a new card sent after filing a claim with the fraud department and upon receiving it I went to go activate it and was told my account has been frozen. This is ridiculous that funds can be fraudulently taken out of my account and when I try to get it resolved they freeze my account.

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 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I previously sent four update letters to all three credit bureaus, which are TransUnion XXXX  and XXXX. I've sent them many many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.

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