vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 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: Porsche Financial Services, Inc.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

2. Identity Theft PORSCHE XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

9. XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
M & T Bank is servicing my mortgage loan. I entered into a COVID-19 Forb program and I am due to start resuming my mortgage payment as of XX/XX/2021. I made a partial payment in XX/XX/2021 in the amt of {$1000.00} that M & T bank put in my suspense bucket. For my forbearance payments I wanted a Loan mod but they claim my payments would increase so I did the partial claim to have the pmts put to the end of the loan. They also told me my {$1000.00} in suspense could not be used towards my forb payments ( partial claim ) so I said okay apply the funds to my mortgage pmt which is {$1500.00}. I will pay the {$590.00}. Now they are telling me I can not use my suspense funds. I need answers on why I can not use my money towards my XXXX pmt. I have been waiting for a week for management to contact me this company is the worst mortgage company ... please help or let me know if I need legal assistance to file legal action against M & T

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 2021-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation
State: VA

Complaint narrative:
I have two mortgages with SWBC, both adjoining properties. In XX/XX/2021 I noticed that my escrow payment per month has doubled. My property taxes did not double. Indeed, working with SWBC I was told in XXXX that both my property tax bills were assigned to both properties, thus each property is receiving two tax bills when they should only be receiving 1. Thus I am overpaying escrow by double each month, since XXXX. I have been in contact with SWBC in trying to resolve the matter, but each month they say they have fixed it and each month it is not fixed. I recently received a sizeable escrow overpayment for my first half property tax bill from my city.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
Was checking my credit report on today XX/XX/2021 and noticed an item on my report that was not that before.

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 2021-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I am the listing agent on a property that was to be conventionally financed by Citizens bank. This loan has gone over the 45 day closing period and at 60 days Citizens was still not ready to close and were completely avoiding contact with all parties ( including the borrower ). The loan office would NOT communicate with anyone ( including the borrower ) about the status of the loan. We went weeks without any communication and now they won't release the appraisal to the buyer/new lender. We have had to ask my seller for 3 extensions - he is still continuing to pay his mortgage through all of this. I should add, this is a $ XXXX plus contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I filed a dispute with equifax stating that creditor XXXX XXXX was reporting inaccurate balances and data to my credit report. Its been over a year and this dispute has not been resolved, I spoke with a representative from equifax regarding this matter by the name of XXXX, she confirmed that the matter was still under investigation and I made her aware of my FCRA rights and she told me that since I made another dispute on XX/XX/XXXX the dispute from last year cant be resolved because I made a new dispute regarding this creditor almost a year later

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: SC

Complaint narrative:
I am a victim of identity theft. My credit report has been shared and pulled without my authorization and I have not benefited from such inquiries. Wrong addresses, employment and information retaining loans are incorrect and false representation of me. I have reached out to XXXX  on several occasions, stated my laws and rights according to FCRA and my requests have yet to be fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft AMEX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

9. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

9. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 10. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

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 2021-08-03 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: NY

Complaint narrative:
I HAVE AN ACCOUNT XXXX XXXX REPORTING ON MY CREDIT REPORT INCORRECTLY. THIS ACCOUNT HAS BEEN OPENED SINCE XX/XX/2004 PLEASE HAVE CREDIT REPORTING AGENCIES FIX ACCORDINGLY

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 2021-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: DE

Complaint narrative:
One day in XX/XX/2021, I found that my Coinbase account had been disabled. I have contacted Coinbase several times since and have not gotten a reply from Coinbase. Early on, I did receive email correspondence but no follow up since. I have contacted Coinbase through their customer support page on their website and still havent gotten a response. My money is tied up in my disabled account and I have no access.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was on deferment for XXXX as indicated by the letter sent from the company. However, they will not remove a late payment on 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 2021-08-03 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: FL

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, d

eposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regions bank is not following applicable bankruptcy laws. I filed Chapter XXXX bankruptcy on XX/XX/2021. This included the two lines of credit, credit card and checking account from Regions bank with the negative balance. These debts were discharged XX/XX/2021. Regions did not attend the meeting of creditors. Yet regions continues to report these accounts as charge offs. These debts are no longer collectible as the debt has been discharged should be reflecting as such to each credit bureau with a {$0.00} balance. Including in void and early warning services. Lastly regions is what caused the bankruptcy to begin with. They allowed an identity thieve to open two lines of credits and a credit card in my name. I previously reported that to regions which they did nothing about. After I filed bankruptcy since the theft caused damage to my health as well as credit and life. I have a fresh start.

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 2021-08-03 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I disputed a 30 day late reported to my credit report during the stay at home orders, my business was shut down a good portion of 2020. I have sent 2 letters explaining to Amex that per Public Law No : 116-136 ( XX/XX/2020 ) Coronavirus Aid, Relief, and Economic Security Act or the CARESAct - SECTION 4021, my account was in good standing and still is, I called Amex in XX/XX/XXXX and also in XX/XX/XXXX to discuss my business shutdown from the pandemic and my payment would be a little over 30 days late and they explained they wouldn't report it late due to the pandemic shutdown. Ive sent two letters ( attached ) asking them to remove these late payments and they have yet to reply. Which they are clearly violating the Cares Act and lied to me when I called and arranged the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: OR

Complaint narrative:
In XXXX of XXXX, COVID closed everything and so I called to cancel my XXXX XXXX membership. The gym was not open, so I called to cancel. I have not received any charges on my account, indicating it was closed, however now I have a collection agency XXXX XXXXXXXX XXXX XXXXXXXX trying to collect {$230.00} for a debt to XXXX XXXX. I contacted XXXX XXXX and visited their location on Thursday XX/XX/XXXX and tried to resolve this with XXXX XXXX, but they did not care and redirected me to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I woke up on XX/XX/21 to an email of insufficient funds in our main checking account. In looking through the charges, I saw a check being processed for {$2500.00} that I did not write. It was written out to a person we don't know for {$2500.00} for " work payment '' in the memo line. That very check number was actually written by me for an amount of {$30.00} for yearly pet licenses and was placed in my mailbox to go out in the mail. The person must have stolen the check from our mailbox, washed the check, and rewrote it. The morning of discovery XXXX XX/XX/21 XXXX, I called our bank and submitted a fraud claim. I closed that checking account and opened a new one. I also filed a police report, as well as submitted a claim to the USPS for mail crime. Our banking institution is holding {$2500.00} total XXXX ( taken from my checking account and savings account ). I want my {$2500.00} back. I have college tuition due in 7 days and was planning on using most of that money towards our daughter 's tuition payment. 

I called our banking fraud claim department several times over the last 10 days to get an update and each time they had no information. This morning ( XX/XX/21 ) I called again and was told that the claim was closed and the representative said she did not know why this happened. My {$2500.00} has not been returned. The representative filed a new fraud claim and said we had to start all over again and that it could take 60 days. She said there was nothing I could do to expedite this. I even physically went to our local banking branch this morning. The branch manager said he was sorry but there was nothing he could do to expedite this. We have been customers of this bank for 27 years and also have our mortgage with them. This is unacceptable. No reason was given why the first fraud claim was closed and who knows what will happen with this one. I want resolution and my {$2500.00} rightfully returned to me in a timely manner.

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 2021-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received a statement from TD Bank about a checking account that was opened online with my information. I spoke to the fraud department and stated that I never opened up this account # XXXX and I needed this to be closed ASAP. As of XX/XX/2021 I still continue to receive bank statements and they are being sent to my address. I am extremely frustrated that my name was stolen and the bank has not helped me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Cashiers check stolen. Felon altered check and cashed it. Wells Fargo noted check was a fraud and denied deposit. They notified me that my missing check was found and that my money was safe. They said after fraud investigation paperwork was filled out my money will be refunded. XXXX. They have not refunded the money and are not calling me back.

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 2021-08-03 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: IL

Complaint narrative:
Chase bank accidentally hid a new account on their side, I would go to pay the bill and the account they were referencing didn't exist on my Chase. I thought it was a mistake. I called when my credit showed a late payment and took hours to get to a technical expert to go in and physically UNHIDE my account on the Chase side. They removed the late payment and late fee in XXXX, then the late payment showed up in XXXX again. Their " Credit Specialist '' is unwilling to help, which is unacceptable. I have never made a late payment, and expect their TEAM to fix the misreported item. I am currently removing all my funds from CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I faxed Equifax on XX/XX/XXXX and on XX/XX/XXXX, requesting the four ( 4 ) accounts to be re-inserted to my credit report. In a dispute with the Consumer Financial Protection Board ( CFPB ) filed ( # XXXX ) on XX/XX/XXXX, I identified the four ( 4 ) accounts in the attachment that Equifax mistakenly removed from my credit report, and I provided justification requesting to have them re-inserted. In a response from Equifax on XX/XX/XXXX, they stated to hope to resolve my concerns. As of XX/XX/XXXX, Equifax have not resolved this matter to the fullest by re-inserting all of the requested accounts in the attachment. Equifax only re-inserted XXXX XXXX  with three ( 3 ) other accounts in the attachment being ignored. I am demanding that Equifax re-insert XXXX XXXX XXXX  XXXX, XXXX/XXXX, and XXXX XXXX XXXX  Financial. By not re-inserting the accounts in question is a total violation of the FCRA, 611 ( a ) ( 5 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Reference : Removal of late payment ... over 7 years I called the XXXX- No Answer or response I called and email a letter to Chase Bank Mortgage- the updated the report- but did not remove the Negative status and its been over 7 years. 

I called and emailed XXXX XXXX XXXX- they acknowledge the length of time and stated I should expect a letter removing the negative report from my credit report. As of today, I still haven't seen a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
On XX/XX/2019 this account was deleted from my credit file. The collection agency was XXXX XXXX. The original creditor was XXXX for the of amount {$270.00}. Now it has returned under waypoint collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation