vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that [ Company Name ] absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Account Name XXXX XXXX XXXXXXXX Account Number XXXX Account Type Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely,

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 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Re : Loan ID XXXX On XX/XX/XXXX I checked the XXXX online portal and it shows that there is currently a balance of {$1000.00} in the escrow account. 
I am not understanding this figure because on XX/XX/XXXX, NewRez disbursed {$6600.00} for Insurance Premium from the escrow account. My current insurance company refunded {$3600.00} to NewRez on XX/XX/XXXX. 
I made mortgage payments ( {$2000.00} ) for XXXX and XX/XX/XXXX, respectively. 
{$940.00} from each payment in XXXX was allotted to " escrow ''. 
How is it possible that only {$1000.00} remains in escrow? 
NewRez also indicates that I owe {$130.00} towards Mortgage Insurance. I disagree. 

It has always been very difficult trying to get to or communicate with NewRez. My calls are usually transferred between different departments. 

I am currently trying to separate myself from NewRez but there are unexplained delays. They have been tardy in sending a payoff request to my proposed refinance lender. During which time they sent me a counter offer. That looks suspicious to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
With final notice dated XX/XX/XXXX Bank of America informed me that a check issued in my favor by the bank on XX/XX/XXXX (!! ) in the amount of {$460.00} has not been presented for payment. 
This letter was sent to my old adress in XXXX and had to be forwarded to XXXX, where it arrived on XXXX XXXX. I have immediately returned it with my request to issue a new check or make a bank transfer to my account. 
During a phone call at the indicated number I was told that the check is no longer available and will be handed to the State of Florida as lost property. 
This is not acceptable as it has taken the bank more than 5 years to inform me of this check which never arrived at destination.

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 2021-02-18 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: GA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2020 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 61 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2021-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: PR

Complaint narrative:
I have tried to apply to different credit cards but they just get declined right away. But the problem it's not that they are declined, it's that they don't even verify if qualify or not. I don't even see on my credit report that I ever applied for a card. 

I already contacted XXXX XXXX and XXXX but they were unable to help. I don't even know what the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NC

Complaint narrative:
We have disputed 3 transactions with Pnc Bank for services that were not rendered on our wedding day. They continue to state the services were valid after providing documentation from us and the vendor that they did not show up to the wedding. 
Services were not rendered. Vendor did not show up to perform services on our wedding day. 
It's been over 100 days since XXXX XXXX did not uphold his end of our contract. It's been over 100 days since he emailed us claiming that he would " refund the total to resolve this issue. '' Wedding day was XX/XX/2020. XXXX XXXX was to arrive at the venue at noon. The bride contacted XXXX XXXX at XXXX requesting a refund for his services since he had not arrives at the designated time. XXXX XXXX arrive a the venue at XXXX and confirmed that the Bride would receive an refund. On XX/XX/XXXX XXXX XXXX sent an email apologizing a requesting information about processing the refund ( XXXX or disputing charges ). the Bride responded with her XXXX name and began awaiting the refund. After 2 weeks, the bride decided to dispute charges with PNC since payment had not be received. 
The details of why you weren't where you committed to being are not my concern. My wedding date was NEVER moved to XX/XX/XXXX. Ever. I saw you TEN days before my wedding on Thursday, XX/XX/2020, for my trial because it's when it worked best around your birthday. At the end of my makeup trial, you told me that you would arrive at XXXXXXXX XXXX at my wedding venue and that you had all of the information you needed. 

We disputed the charges after he did not respond to my email requesting the refund via XXXX. The bank can not refund the {$910.00} as the payments were processed using XXXX. That is considered a person-to-person transaction. 

We are ready to move past this issue. XXXX XXXX XXXX carelessness in this matter has already taken more than enough of my precious energy. My wife and I would prefer not to have to take this matter any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I'm actually having problems with two bill collectors-Regions Bank and XXXX ( located in XXXX, AZ ). Since the new XXXX XXXX XXXX was appointed there has been an approximate 2 week delay in mail delivery. These 2 institutions are claiming they did not get the payments for the past 2 months, despite my bank saying they received the payments. I've tried to get both of these institutions to provide me bank with the ACH routing numbers and they refuse to, but insist on charging late fees, which I have told them I will not pay. I know, of course, they will likely report it to the credit bureaus, causing my credit score to go down, resulting in higher interest rates. Please help the consumers by requiring all financial institutions to use the postmark date as the payment date to stop the unfair practice of claiming they did not receive the payments and charging late fees. We should not have to pay for the post offices ' failure to deliver mail in a reasonable time. Two weeks is entirely tool long for a letter to be delivered when the payment can be driven to the payment certer within 2-3 days if they delivered it themselves. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: Premium Credit Bureau
State: NY

Complaint narrative:
PREMIUM CREDIT BUREAU XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX I have not applied for any loans from your company on XXXX XXXX please provide proof on how this was done over phone in person? Please provide address and all additional information as possible someone is using my information for a loan or a line of credit and its on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a Home Depot credit card to take advantage of the 0 % interest rate promotion on balances for 6 months. I received an interest charge in my first bill and was told that anything under {$300.00} is not part of the promotional rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
I am in the process of refinancing my home mortgage. Currently, my mortgage is with XX/XX/XXXX Loancare and I am refinancing with XXXXXX/XX/XXXX XXXX XXXX, CT XXXX. XXXX and I have been requesting my payoff statement since XX/XX/2021, but any phone calls made to customer service would be dropped upon making the request and the dozen electronic requests have been ignored as well. Currently, this is the last step in the closing process of refinancing and I am afraid I will lose my opportunity to close at the interest rates that I locked in as a result of XX/XX/XXXX ignoring my request for the payoff statement. Thank you for your help.

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 2021-02-18 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: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I wrote a letter to Santander disputing my DOFD. I have been disputing inaccurate information such as DOFD, Balance, amount due, and the age of this tradeline being over 7 years old from DOFD, as well as no investigation or attempt to correct data it is STILL reporting to the CRA 's. I received a letter from Santander on the XXXX of XX/XX/XXXX, stating the information was accurate and verified. I have also disuputed the information with the CRA 's directly, neither XXXX XXXX or XXXX have removed the inaccurate information and are STILL currently reporting inaccurate data which is blatant and inconsistent. I have filed a complaint with MA AGO on XX/XX/XXXX. 

My letter to Santander stated : Dear Santander Consumer USA, I am writing to dispute the following information that appears on my XXXX consumer report : Date of First Delinquency : XX/XX/XXXX. The XXXX credit report dated XX/XX/XXXX, and the Credit file dated XX/XX/XXXX are both reporting Date of First Delinquency as XX/XX/XXXX, this is inaccurate information. The Correct Date of XXXX XXXX is XX/XX/XXXX. On XX/XX/XXXX I became 31 days past due on my Retail Installment Sale Contract, this marks my Date of First Delinquency. My retail installment Sale Contract signed XX/XX/XXXX notes my first payment due of {$410.00} beginning XX/XX/XXXX and recurring monthly. I was delinquent on my first payment, not issuing payment on the agreed upon XX/XX/XXXX date, first payment was made XX/XX/XXXX. On XX/XX/XXXX I was issued a late payment fee of {$5.00}. I have enclosed my Transaction history, retail contract, and bank statement to verify that my Date of First Delinquency is XX/XX/XXXX. 
Also, I have confirmed my date of First Delinquency with XXXX, Employee ID XXXX in Loss & Recovery via a phone conversation on XX/XX/XXXX at XXXX ( duration of phone call 27 minutes ). XXXX Confirmed that on XX/XX/XXXX, my account was 31 days past due. 
I have attached a copy of my XXXX Credit file and credit summary, that contain the inaccurate information. 
I am requesting Santander Consumer USA report the true and accurate Date of First Delinquency of XX/XX/XXXX to XXXX XXXX, and XXXX 

... .. '' I was advised by a counselor at XXXX XXXX XXXX to choose one specific violation i.e. DOFD that was easily proven incorrect. 

I have tried to dispute this at the community level, and state level to no avail and I am hoping the CFPB will aide me in amy efforts to be free of this actively on-going harm I am caused by Santander Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: Premium Credit Bureau
State: NY

Complaint narrative:
PREMIUM CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I have not applied for any loans from your company on XXXX XXXX please provide proof on how this was done over phone in person? Please provide address and all additional information as possible someone is using my information for a loan or a line of credit and its on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC
State: MS

Complaint narrative:
I was a victim of identity theft while living in XXXX, Virginia. On or around this time, an account was opened in my name with a company called DUVERA. This original loan amount was {$2400.00}, and has now climbed up to {$7600.00}. I didn't notice this account until it came up on my credit report. After I was aware of this fraudulent account, I called the credit reporting agency and was told to contact the company at the number listed in the credit report, which I did. This was after I disputed the account with XXXX. They argued with me that the account was in fact mine and there was nothing I could do but pay for this account that I have no knowledge of. At this point, I have done everything that I know to do and i still have this on my credit report. Any assistance that you could give would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: AL

Complaint narrative:
Direct Express has closed my on line account and they still have my {$220.00}. I have been dealing with them for over 2 years trying to get my money sent to me.This is XXXX pour how a company takes care of a US veteran. I've been on hold for over 2 hours many times and just gave up. If they had an office I would come down and kick someones " XXXX ''. There putting me in a position to get myself in trouble and that should be a crime.This is a XXXX poor government agency linked to the IRS, but everyone just says call there number and deal with them. That would be great if you could get a hold of someone. Spending 2 plus hours on the phone and never getting someone is XXXX. I have complained to the XXXX, the veterans department, FTC and the IRS with no luck. Everyone gives you there number, I got there number. This is my advice to anyone using Direct Express, get a regular bank account so you can be able to contact a person when there is a problem cause Direct express will have you on hold and you will just never get your money.Direct Express has many similar complaints, I want to see this company go out of business, so the sorry workers will be out of work and see how they like not getting money. This is another government agency that is totally flawed. There is some " XXXX XXXX '' donuts eating XXXX waiting to collect a pension not serving people because they are lazy and think they have power. {$220.00} isn't anything, but its mine. I plan to claim a loss on my taxes for {$220.00} as a way to get my money back, that's how I deal with the government. I am a business man and I would be out of business if I ran it like the government runs there programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This account was opened with out my knowledge. I have been receiving bills that I am not responsible for and I would like to have it removed from my credit report. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/21 I went to Wells Fargo to post collateral into my checking account with a legal line of credit/security agreement from a private lender and spoke with Bank manager XXXX XXXX and upon reviewing the collateral he stated that Wells Fargo does not except the security although it's a legal document because they have no legal representation in their bank. Per Ucc Article V as long as the line of credit meet the requirements of law and facially does not go against the standard usage of such collateral used by institutions it is acceptable. I'm filing this complaint because it's racially motivated and such action should not be tolerated.

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 2021-02-18 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Hello, I have had an auto loan with Citizens Bank ( it is now paid off ). In XX/XX/XXXX I submitted a payment for the XXXX & XXXX loan amounts that were due, however, due to COVID and the XXXX holidays, I did not see the check being delivered or cashed by the Bank. When I called to check on status of the check being received on XX/XX/XXXX, I was informed that the payment was not yet received and it was reported as 30-days delinquent to XXXX. Immediately on the phone I processed a payment to bring the balance up to date, and two-days later the check was received and cashed by the Bank. 
Citizens Bank informed me that they were experiencing mail delivery delays due to the Holiday season and the effects of COVID 19. I asked the bank to remove the delinquent reporting since it negatively affected my credit score, and a dispute was initiate ( dispute # XXXX XXXX. In XX/XX/XXXX, I received an alert from XXXX  that the negative mark on my credit report was removed, only to find out few days later that it was re-instated and again resulted in a negative impact to my credit. 

One  would think that, especially during the COVID crisis, this Bank would work with its customer favorably, especially when no loan defaults occured and the Bank was 100 % made whole in a timely manner. 

Regards, XXXX XXXX https : //www.citizensbank.com/auto-loans/auto-finance.aspx

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC
State: IL

Complaint narrative:
The company ATG Credit, located at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX, on behalf of original creditor XXXX XXXX XXXX XXXX claims that I owe a past due balance of {$110.00} to the original creditor of XXXX XXXX XXXX XXXX The collection was opened on XX/XX/XXXX of 2020. I have no knowledge of the debt whatsoever besides the simple information that my credit monitoring service provided me. Furthermore, I am not familiar with XXXX XXXX XXXX XXXX  or ATG credit. I have not received any notification by phone or mail of the debt in question and these companies do not have a contact with my signature.

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